求翻译：银行面临不对称信息问题在对客户信息收集、信息筛选中，由于客户收入变化，或是恶意拖欠会造成较大的信用风险，即使存在有效的风险监控机制，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？

Banks face the problem of asymmetric information in the customer information collection, information filtering , due to changes in income customers or malicious default would cause greater credit risk , even if there is an effective risk control mechanism , and afterwards overdue collection methods,

Banks Face asymmetric information in the customer information-gathering, information filtering, because the customer income changes, or a malicious arrears will result in slightly higher credit risk, even in the presence of effective risk monitoring and control mechanisms, and the subsequent overdue

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