1. Service a relatively small species, the lack of innovation. Most of the networks of China's banking homogeneous, mainly related to deposits, remittance, exchange and other services. Because of lack of wide coverage, and some traditional banking or even a simple web-based applications, and can fully engage in online transactions is not more than the project, a large part of the business or traditional business-oriented, network operations supplemented by the phenomenon, so it is not the true meaning of Internet banking.
2. Network security has become a major obstacle to development. Network security is related to the survival of the banking network, the network is the core issue of development. Security issues is not only a technical issue, but also management issues. On the technology, most computer hardware mainly rely on imports from abroad, many of the safety of Chinese-made products, its core technology is also abroad, due to technical reasons of poor information security has become the constraints of our Internet banking development. Coupled with lax security measures of network security, network intrusion cases in the financial system have occurred, not in a hurry to make some users access to modern financial services network, which greatly restricted the development of China's network of banks.
3. Cyberbanking poor connectivity of the exchange. At present, China's network of banks are commercial banks building their own systems, online financial services are generally limited to a banking network system, and can not be extended to other commercial banks in the banking network. This means that the user if a bank transfers funds to another bank or the bank tellers, to be carried out, or have to experience the pain of queuing. This is obviously not conducive to the overall Internet banking advantages. In recent years, the cross between the online electronic payment has emerged, but the system stability and convenience far from being able to meet the needs of users.
4. Is not perfect laws and regulations. China's financial legislation is lagging behind, the main problems: First Internet Bank of electronic payment rules are adopted the agreement, with clear rights and obligations of customers based on signed contracts, the problems can be settled by arbitration, but because of the lack of relevant laws and regulations , resulting in problems involving the responsibility of following the established commitment to the implementation of the outcome of the arbitration, such as complex legal relations are difficult to resolve; Second, the banking network to blur the boundaries between the natural, its business and customers as an extension of the Internet up to the world anywhere. Online financial services such as cross-border transactions in the jurisdiction, the applicability of the law, service contracts and the legality of transactions, brand and intellectual property issues, outside the validity of information found and the law, Internet banking customers are non-residents by the the existence of the legitimacy of the language of choice and so on, rather ambiguous. Increase the bank and customer in the online e-payment risk. Third, the fact that the network of criminals that crime, and the subsequent loss of how to determine the extent of the legal issues have not yet been defined, but also an increase of banks and their customers to conduct financial transactions online risks. 5. The market is not yet adapted to culture, the concept of online transactions and there is still a considerable gap between the habit. First of all, the currency, trading places, trading tools, as well as virtual trading network of its economic merits, but also weaknesses. Online trading customers have doubts about whether or not genuine, digital, virtual transactions from the heart to make people accept the need for a process also. Secondly, the quality of people's values and also the development of network technology can not keep up. Internet transactions need not only the popularity of network terminal equipment, but also the needs of the participants of e-commerce and network technology and application of master.