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Since the 1990s, in the modern network computer technology under banking industry's application and the promoted tide, has added fuel to the flames specially take on-line bank's starting as banking industry's competition. For makes a living in the competition saves strives for the development, carried out the new banking industry Wucheng various bank competition using the Internet the new domain, further strengthened along with the financial globalization's trend of development, on-line bank take the high efficiency, high grade, high-quality service's way has unfolded the future bank development model as the people, became the financial development the direction. This article carries on the omni-directional outline first to on-line bank, as well as carries on the analysis to the Chinese On-line Bank present situation, and aims at restricts our country On-line Bank the development factor to propose that several ponder countermeasures, hoped our country Banking ind