The Analysis of Credit Moral Hazard in Commercial Banks Based on Game Theory

With fleetly developing of finance market in 21st century, the scale of the credit business in commercial banks gradually extends. At the same time, the risk of commercial bank becomes both complicate and diversiform in the credit market. Compared with other hazards, moral hazard is the most difficult to control. Applying the Game theory, the article constructs the game models of implementation process of loans and repayment phase between enterprises and commercial banks respectively. According to the analysis of the above-mentioned models, the article obtains the major factors which lead to moral hazard formed by enterprise loan from commercial banks, and provides some pertinence precaution measures, such as supervising and guarding vocational work, perfecting laws and making sure the validity of guaranty.