文章针对目前信贷市场所存在的问题 ,利用经济博弈理论中的信息非对称原理 ,通过建立经济学模型对信息非对称条件导致的信贷市场中的逆向选择和道德风险进行了理论分析 ,在此基础上提出了银行如何防范信息非对称条件下信贷市场的逆向选择和道德风险思路 ,并对信息非对称条件下信货市场中不同市场参与者之间存在的信息差异提出建议 In the light of the problems existing in the credit market, this paper uses the asymmetric information theory in economic game theory to analyze the adverse selection and moral hazard in the credit market caused by asymmetric information through the establishment of an economic model. Based on this, Put forward some suggestions on how to prevent the bank from adverse selection and moral risk in the credit market under the condition of asymmetric information and give some suggestions on the information differences among the different market participants in the credit market under the condition of asymmetric information