Abstract: An effect produced by foreign banks on the credit availability of enterprise especially small firms when they entered credit markets of developing countries, is the debating point in theory circle and practice. A large number of empirical studies provided a lot of empirical research findings but without explanations. The reasons through the analyses of evolutionary games theory was found that in credit markets of small businesses, and the rational choice of foreign banks was entry while tacit permission was the rational choice of domesticsfunded banks. For the purpose of increasing credit availability of small firms, it had an important practical significance to encourage domesticsfunded banks to change location and actively participate in competition in market so as to ease financing difficulties of small business.

Key words: Foreign banks, Small firms, Credit supply, The credit availability, Evolutionary games

摘要： 外资银行进入发展中国家信贷市场, 对该国企业尤其是小企业信贷可获性的影响, 是理论界和实务
界争论的焦点。大量的实证研究对此提供了研究结果, 却没有解释其原因。通过演化博弈分析发现, 在小企业信贷
市场, 无论博弈双方的实力对比如何, 进入和默许分别是外资银行和内资银行的理性选择。从增加小企业信贷可获
性的角度来看, 鼓励内资银行转变市场定位, 积极参与小企业市场竞争, 对缓解小企业信贷融资难的问题具有重要
的现实意义。

关键词: 外资银行, 小企业, 信贷供给, 信贷可获性, 演化博弈