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我国企业普遍存在拖欠、逃废银行债务的现象,而银行随着商业化进程的加深,对资质不良的企业难免会“惜贷”。本文通过建立银企融资动态博弈模型,探讨企业贷款难的深层原因,并提出相应的解决方法。一、银企一次借贷的博弈分析“现代企业的价值在于创造现金流量的能力”。企业需要用现金来偿还负债本息,而会计上确认的“利润”不具有偿还债务的能力,盈利企业被迫破产,就是现金流量不足引起的；银行经营
In our country, there are ubiquitous arrears and evasion of bank debts. With the deepening of the commercialization of banks, ineffective enterprises will inevitably “cherish loans.” This paper establishes a dynamic game model of bank-enterprise financing to discuss the underlying causes of the difficulty of corporate loans and put forward corresponding solutions. First, a game of bank lending game analysis “The value of modern enterprises lies in the ability to create cash flow.” Enterprises need to use cash to repay the principal and interest of the debt, while the accounting confirmed that the “profit” does not have the ability to repay the debt, profit-making companies forced to bankruptcy is the lack of cash flow; bank operations