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近两年来，银企关系恶化、进而信贷紧缩成了一种相当普遍的金融现象。在当前通货紧缩的背景之下，持续的银企信用危机、信贷紧缩对国民经济的持续、快速、健康发展极为不利，必须高度重视、予以化解。本文应用博弈论的一个分析模型──旧车市场来探讨银企关系恶化、信贷紧缩的成因和特点，并进而提出了改善当前银企关系、减缓信贷紧缩的可行措施建议。
In the past two years, the relationship between banks and enterprises has deteriorated, and the credit crunch has become a fairly common financial phenomenon. Under the current background of deflation, the continuous credit crisis of banks and enterprises and the credit crunch are extremely unfavorable to the sustained, rapid and healthy development of the national economy. We must attach great importance to resolving this issue. In this paper, an analytical model of game theory - the old car market is used to explore the causes and characteristics of deteriorating relationship between banks and enterprises and the credit crunch. And then some feasible measures to improve the current relationship between banks and enterprises are proposed to ease the credit crunch.