我国网上银行使用从最简单的查账工具发展到支付工具再到现在的网上理财,但安全问题让消费者时“网银”又爱又恨。为此,消费者在使用网上银行时,应从以下七个方面去防范风险:核对网址。消费者在登录网上银行时,要核对自己所登录的网址与自己和银行签订的协议书中的法定网址是否一致。妥善保管好自己的密码。消费者不要把自己的出生日期、家庭电话号码 China’s online banking use from the simplest checking tools to the development of payment tools to the current online banking, but security issues for consumers “online banking ” love and hate. To this end, consumers in the use of online banking, the following seven areas should be to guard against the risk: check the URL. Consumers log in to online banking, to check their login URL and their own agreement signed with the bank legal address is the same. Keep your password. Consumers do not put their own date of birth, home phone number