Network bank possesses the risks of traditional banks as well as new ones including system risk, operation risk and cross border risk. Chinese government should lay down its protection regulations ASAP.

• 网络银行业务不仅具有传统银行业务的风险 ,而且赋予了传统银行业务风险新的内容、增加了新的风险品种 ,包括系统风险、业务风险和跨国界风险。