Internet banking is the latest in the field of e-commerce service mode , with the rapid development of information technology , the traditional sense of the banking sector will be lopsided , a new Internet banking use Internet technology to provide customers with convenient and efficient service . Making it a world trend , but also the traditional legal system had a huge impact and the network itself, resulting in the virtual network and quickness Bank in its operation process will encounter traditional banks do not have the special risks , and these risks exist for the online banking market development, the development of China's financial industry has an adverse effect , essentially restricting banks' long-term development of the network , therefore, how to prevent risks and regulatory network of domestic and foreign banks have become an important research topic . Given China's economic development status and relevant foreign experience, the appropriate legal online banking supervision is conducive to the formation of a relatively fair competition environment conducive to better meet international challenges. This paper attempts to respect online banking regulatory model , model legislation on issues such as imputation principle be explored and make some humble opinion . Keywords: attribution discipline and self- regulatory model