通过对产权制度、组织结构和经营管理体制的分析，发现我国商业银行经营管理中存在着严重的信息不对称。

By analyzing property rights, organizational structure and management system, it is found that information asymmetry is serious in the operating management of commercial Banks in China.

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但是，担保制度又导致了银行经营者的道德风险和逆向选择，因此需要资本充足率监管制度。

But the assure system also leads to such questions as moral hazard and adverse selection. So we need the regulation system of capital adequacy ratio.

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但是，担保制度又导致了银行经营者的道德风险和逆向选择，因此需要资本充足率监管制度。

The defect produces the assure system. But the assure system also leads to such questions as moral hazard and adverse selection.

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