Along with the development of Internet and e-commerce in the global context of the rapid development of the network bank,emerge as the times require changed people's inherent traditional idea of banking.Network bank originated in the United States,in recent years,the network bank is also the rapid development in our country,but the network banking as a new thing in the development of the early problems inevitably exist.This article through to the network bank of our country present situation and characteristics of the analysis,pointed out the problem of existence,draw lessons from foreign experience and put forward the existing problems of network bank,promote its health to develop measure.