针对商业银行信贷中的道德风险,运用博弈理论,在系统分析了商业银行与贷款企业之间为使自己利润最大化的博弈特点的基础上,分别构建了贷款实施过程和还款阶段的博弈模型,并求解了该模型,通过对求解结果的进一步分析,得到了有价值的结论,从而有针对性地提出了防范商业银行信贷中的道德风险的政策措施和建议。 In view of the moral hazard in commercial bank credit, this paper constructs the game model of loan implementation process and repayment stage on the basis of analyzing the game characteristics between commercial bank and loan enterprise to maximize their own profit, using game theory. , And solved the model. Through the further analysis of the solution, we got valuable conclusions, and put forward some policy measures and suggestions to prevent the moral hazard in commercial bank credit.