中文摘要：

通过研究在信息非对称条件下企业和银行的信贷问题，建立风险率、资产负债率的双信号传递博弈模型，可以得出企业风险率、资产负债率的临界值。银行可通过对企业发出的风险率以及资产负债率与其临界值的比较进行推测，从而判断是否对企业进行贷款。

英文摘要：

The credit problem in enterprise and bank were studied under asymmetric Information. The double signal transfer game model of risk rate arts asset - liability ratio was established. The critical value of risk rate and asset - liability ratio in enterprises was got. The comparison of the real value nd the critical value of risk rate and asset - liability ratio in enterprises was made and the loan was determined.