求翻译：（1）道德风险与信息不对称是形成信用风险的重要因素。（2）非系统性与系统性。（3）风险和收益的非对称性。信用风险的收益分布具有典型的非对称性。（4）信用风险的历史交易数据难以获取。是什么意思？

(1) moral hazard and asymmetric information is an important factor in the formation of credit risk. (2) non-systematic and systematic. (3) the asymmetry of the risks and benefits. The credit risk of the return distribution has a typical asymmetric. (4) historical transaction data for credit risk are

(1) risk of moral hazard and the Information asymmetry is a credit risk. (2) non-systemic and systemic. (3) risks and benefits of non-symmetry. Credit risk of the income distribution is typical of non-symmetry. (4) credit risk is difficult to obtain historical transaction data.

(1) moral risk and the information not assymetrical are form the credit risk the important attribute.(2) non-systematic characteristic and systematic characteristic.(3) risk and income asymmetry.The credit risk income distribution has the model asymmetry.(4) credit risk historical transaction data g

(1) moral hazard and credit risks and important factors of information asymmetry is formed. (2) non-systematic and systemic. (3) asymmetry of risk and return. Credit risk of the return distribution with a typical non-symmetry. (4) credit risk of historical transaction data is difficult to obtain.

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