Based on theory of the evolutionary game theory, the paper analyzes thoroughly individual credit venture that commercial banks are confronted with by using the replicated dynamic equation. And the results of the analysis show that: the final result of the evolutionary game is disappointing that the market present weak state under the assumption of limited sense, because the evolutionary stable strategy of the individual is nonpayment. But banks may avoid and guard against venture，realize the double win of banks and individual and get the optimal allocation of the social resources by establishing the longterm steady operation relationship of trust between banks and individual and by promoting the traditional virtues of honesty. 