Online bank is a new industry in the 21st century,its low cost and broad prospects,has got more and more attention of people. Compared with the traditional "counter type",online bank give users a great convenience,the appearance of it not only enrich the bank's service mode,but get more and more welcome by people,due to its " convenient|、quick" characteristics,and launch challenge to traditional bank,becoming the most convenient service means in bank. This article analyze the present situation of the development of online bank in China on the basis of the basic features in online bank,and in view of the existing problems in the development of it,absorbing the experience of foreign banks in the development of online banking,suggest the solutions that should be adopted in the development of Chinese Internet banking development,and to create a good environment.