With the rising of internet finance, internet banks have also drawn a lot of attention. ANBOUND think tank scholars believe that although internet bank haven't been approved by the regulators yet and can’t be realized in short term, it still has a promising prospect. It is worth attention that in the future physical branches of banks will be significantly impacted by internet. The tide of internet banks will surely come. Alibaba has already started off towards internet banks. When cooperation mode is mature, the establishment of internet banks won’t be far away.