求翻译：银行对客户信息收集、信息筛选中都面临不对称信息问题.由于客户收入变化，或是恶意拖欠,这都会造成较大的信用风险。即使存在有效的风险监控机制和事后逾期催收手段，但同样面临较高的交易成本。是什么意思？

Bank customer information collection , information filtering are faced with the problem of asymmetric information . Due to changes in customer revenue , or malicious default , this will result in a greater credit risk.

The Bank customer information-gathering, information filtering, are faced with asymmetric information issues. Due to the customer's income changes, or a malicious arrears, this will cause a large credit risk. Even if there is a valid risk monitoring and control mechanisms and subsequent overdue coll

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