This paper first reviews the development history of game theory, and find out the difference of evolutionary game theory and classical game theory, and the reason of evolution game theory. Through the static analysis to find a can make the group behavior restrictions issued to a consistent ESS in a strategy, and extended to the dynamic analysis method, to solve more practical problems. And this paper uses the evolution game theory to analyze the problem of lending banks and enterprises, and to find a stable point, that is to choose the best strategy, is also the bank to loan, enterprise can not insist on credit. And for this kind of social disadvantage which the enterprises to credit loans, banks do not adhere to the loan guarantee find the right solutions. It is through government regulation of bank loans to enterprises; let the lending bank and enterprise development to the positive direction.