In order to guard against borrower’s indirectly manipulating assessment report, a dynamic game model with incomplete information was established to analyze the influential factors of game behavior and the existence conditions of game equilibrium in the case of two stakeholders influencing each other. The results show that there are four influential factors on the bank’s optimal decision and four influential factors on the high risk borrower’s optimal decision. Finally,the reexamination mechanism should be adopted in assessment,at the same time,the borrower’s delegation model should be translated into the bank’s delegation model. Through these measures the healthy and sustainable development for credit market can be promoted.