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depository institutions 的中文意思是：

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maturity intermediation 的中文意思是：

adverse selection 的中文意思是：

pension fund 的中文意思是：

_____________________ is the problem created by asymmetric information before the transaction occurs. Adverse selection in financial market occurs when the potential borrowers who are the most likely to produce an undesirable(adverse) outcome—the bad credit risks—are the ones who most actively seek out a loan and are thus most likely to be selected.

A. Transaction cost
B. Risk sharing
C. Adverse selection
D. None of them