银行作为金融中介机构源于金融市场的信息不对称，是为了消除信息不对称和道德风险而产生的。银行的竞争力本质上来自对市场（客户）信息的把握，并通过信用和资金的互动加速信息资本的运营，从而实现价值最大化。如果说当前国内银行业竞争的焦点还集中在资金实力、服务手段和 The asymmetric information that banks originate from financial markets as financial intermediaries is created to eliminate information asymmetry and moral hazard. The competitiveness of a bank essentially comes from grasping the information of the market (customer) and maximizing the value of information capital through accelerating the operation of information capital through the interaction of credit and capital. If the current focus of the domestic banking industry is also focused on financial strength, means of service and