银行家算法是从当前状态出发，逐个按安全序列检查各客户中谁能完成其工作，然后假定其完成工作且归还全部贷款，再进而检查下一个能完成工作的客户。如果所有客户都能完成工作，则找到一个安全序列，银行家才是安全的。(The banker's algorithm is based on the current state, checking who can do the work one by one according to the security sequence, and then assume that they do the work and return all the loans, and then check the next customer who can do the job.)