At present, the moral hazard problem deriving from asymmetric information and costly verification is serious in Chinese bank industry. The paper constructs an asymmetric information-based game analysis framework applied in banks and enterprises, through measuring enterprises' ex-ante moral hazards by disguising probability (DP), and measuring banks' verification extent by verification probability (VP). Based on the framework, we investigated the determinant factors in moral hazards and verification extent, and analyzed monitoring strategies of bank as well.