Under the conditions of information asymmetry, according to revealed theory under principal agent frame, bank as client can find a kind of suitable way, using maximal principle, and converse credit contract into the problem of optimization control.

• 在信息不对称条件下 ,根据委托代理框架下的揭示原理 ,作为委托人的银行可以找到一种合适的途径 ,利用极大值原理 ,将信贷合同转化为最优控制问题。