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中文摘要：
中小企业在为国民经济做出越来越大贡献的过程中，却一直面临着信贷难问题．从政府角度出发，采用基于计算实验金融的多Agent仿真技术构建了违约成本——社会信用环境模型和选择策略概率模型，分析了联合担保中的企业数量规模以及信用环境对银行一中小企业信贷行为的影响．发现数量规模和信用环境对于信贷行为的影响机制，进而提出了相应的政策建议，以期能为政府解决中小企业融资难问题提供决策参考．
英文摘要：
Though more and more contributions the SMEs have made for our national economy, they are always confronting credit difficulties. From the perspective of the government, using the multiple-agent simulation technology based on computational experimental finance, the paper builds a default cost-social credit environment model and a probability model of the selection strategy, and analyzes the scale in SME joint guarantee loans and the influences of the credit conditions for the credit conduct of the bank-SMEs. We found the mech- anism for effects of the scale and the credit conditions on the credit conduct, and made further policy sugges- tions, hoping to provide some decision references for the government to solve the difficulties of the SMEs credit problems.
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