中文摘要：

利用在社会经济中得到广泛应用的Multi—Agent仿真方法对银企贷款的博弈过程进行模拟，井利用从银企贷款中抽象出的模型，动态地仿真这一经济过程，对于分析银企贷款行为和解决小企业融资问题有直接意义。本文通过建立有限次重复博弈模型，采用仿真的方法对银行和企业在效益最大化目标下的策略选择进行研究。通过研究表明，不论贷款抵押比率和抵押品变现率如何变动，银行的最大化收益出现在银行和企业的互信行为同时出现的时候，同时整个社会的福利也达到最大化。因此不论对银行还是对整个社会来说，银企合作才是解决企业贷款难问题的最好措施。

英文摘要：

Based on finite repeated game model under complete information, we do some research into strategy choice of commercial banks and SMES＇ maximum benefit using simulation method. Through the research, we know that no matter what changes happen to loan mortgage rate and collateral realization rate, the banks~ maximum benefit will appear when banks and SMES both take cooperation strategy, the welfare of the whole society reaches its maximum at the same time. Therefore, the cooperation between banks and SMES is the best measure to resolve the loan＇s difficulty in SMES on both sides of banks or the whole society.