Pick to: the new economic era of information technology and financial services of mutual infiltration and changed financial service mode and the connotation of information technology A mobile phone bank, as a representative of the new type of comprehensive banking services, with its strong vitality began to change people's Mobile phone bank online banking extensions, with the arrival of the era of 3G mobile phone bank, as a kind of new business ushered in the development of the golden age, new functional mobile banking services therefore also became the focus of competing in the banking This article from the present situation of the development of the 3G mobile banking and facing the main problems and puts forward the future 3G mobile phone bank development