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Internet banking as a new 21st century financial industry, low costs and broad and prospects people have been more seriously. Foreign banks mainly through the network advantages of no limits, bring about long-distance service to compensate for its smaller networks, small-scale inadequate. In a considerably long period of time, financial competition in the final analysis will focus on three fronts : domestic and foreign (Chinese and foreign), the trade and industry (mixed with industry and industry), online and offline (network banks and traditional banks). Based on the IT (computer communications technology) above the online financial, is a high-tech intelligent support of the AAA-banks, that is, at any time (Anytime). anywhere (Anywhere), and in any way (Anyhow) to provide services to customers of the bank. It is the area of a financial revolution, which will lead to financial business management mode, operation mode, risk management concepts in a series of major regulatory changes