摘要：The effective use of social funds is an important guarantee for the benign development of the economy. The shortage of funds faced by the development of small and medium-sized enterprises (SMEs) and a lot of social capital sits idle are still one of the major contradictions that need to be resolved urgently. And the main source of funds for China’s real economy is still loans from commercial Banks. Through the analysis of the loan game between Banks and enterprises in the target economic environment we can find the crux of the problem. Which mainly lies in the market for enterprise information management demand and Market-based interest rate management to reduce market transaction costs and other regulatory construction issues. Therefore, in order to improve market transparency and reduce bank and corporate loan risks, the government and banks should make corresponding system management reforms in credit evaluation and classification and block management.
