The academic community has focused on the corporate profitability and ethical destructiveness of unethical pro-organizational behavior (UPB), yet it has overlooked that consumers are the source of profits derived from UPB, the government serves as the guardian of ethics, and salesperson—the actors of such behavior—also face risks of self-interest. This paper integrated the cost-benefit demands of the four parties: salesperson, enterprises, consumers and government, and explored the formation mechanism of UPB. By using game theory, this study deduced the stable strategies of the subjects and the position of the equilibrium point, and conducted a system dynamics simulation analysis within the equilibrium range. The results show that salesperson UPB is restricted by the decisions of enterprises, governments and consumers respectively, especially when there is no motivation for UPB, only enterprise control can completely prevent the occurrence of UPB. Among them, whether consumers report or not has the greatest impact on the formation of salesperson UPB, and the negative supervision of the government has the longest impact duration. Strengthening the punishment of salesperson UPB by enterprises or having the government impose penalties when enterprises do not act can achieve the desired effect. This conclusion clarifies the cost-benefit formation framework of UPB from the perspectives of stakeholders and provides a reference for its systematic joint regulation schemes.