Based on evolutionary game theory,this paper establishes the decisionmaking game model of the agriculture managers and financial institutions,explores the dynamic evolutionary process of the behavioral strategies on both sides,and analyzes the influence of the loan cost and loan rate on loan decision.Furthermore,it analyzes the numerical examples and simulation using MATLAB.The results show that the loan cost is the critical factor influencing the loan decision of both debtors and creditors,and the impact of loan rate on debtors’ loan decisions is obviously different from that of loan rate on creditors’.The supply of financial public products by government can effectively increase the loan willingness of the debtors and creditors.Therefore,it is suggested that the government promote the loan application online,increase the policy support for financial institutions and provide moderate public products to the agricultural land mortgage market.