Since the 1990s, with the developing of computer network technique, Credit Card, ATM, and POS machines have been used widely. Especially, in the 21st century, the electronic banks such as network banks and telephone banks and so on break the restriction of space and time through net- work and spread into all over the world and not only become the method of banks to make financial in- novation and obtain competitive advantage but also change operation mode and behavioral standard of traditional banks. With the enlargement of network bank business and types and with the increase of exchange quantity, the crime behaviors by using hi—tech method through network banks become more and more popular, criminal methods are sophisticated, the criminal process is rapid and hidden and highly—intelligent. The problems such as insufficient monitoring ability of banks and short of self—preventive ability of the bank users exist, thus, it is urgent for China to effectively prevent network bank crimes a...