Bayes´ Rule and Bank Credit Game Risk Analysis

The relationship between the small and medium-sized enterprise and bank in China, is different from that of complete market economy. Banks often cannot determine enterprise´s real situation and make the right decision because of serious information asymmetry phenomenon in financing process. In the process of using the related theory of game theory to research credit financing problems between bank and enterprise, this paper tries to use Bayes´ rule to help bank correctly judges the type of enterprise to avoid making mistakes loan determine.