Middle-and small-enterprises have been playing an important role in Chinese national economy.However, the development of these enterprises is constrained by their difficulty of applying for loans,as is due to the information a- symmetry between middle-and small-enterprises and the financial institutes.This paper focuses on the influences of hanks' verification after the banks granted loans to the enterprises and the enterprises' obtaining loans by fraud on above -mentioned difficulty.First and foremost,this paper introduces a dynamic game theoretical model of bank-and-en- terprise.Then it makes a duplicated analysis on the game theoretical model utilizing the evolutional game theory.Finally this paper discusses the reasons for the enterprises' difficulty in applying for loans and proposes some pieces of policy suggestion.