The last century 70 years to 90 years, many of the world's growth Chinese of state-owned banks, commercial banks rely on its branches to supply all kinds of financial services. But along with the economic society develops ceaselessly and the molten metal level of the gradual progress, growing financial services needs of large amplitude, through the process of bank and its branches grew more cannot satisfy the people demand for financial services, especially in remote mountainous areas and rural economy is relatively backward in the poor area, there are a large number of financial services blank township. In order to satisfy people's needs and to fill these regional long-standing financial gap, the authorities began issued relevant policy support for banks and other financial institutions to differences in traditional financial service method to the local people to provide basic financial work, branchless banking is precisely in such as Xu's entourage was born. The first chapter of this paper first explains the research theoretical and practical significance and important research on international banking outlets outside the stop briefly. In the second chapter, first of all the bank branches of the basic concepts, characteristics, composition, operation mechanism, business efficiency and work stopped relatively detailed introduction, and its connotation meaning stop extending: one is for the poor supply of financial services, improved the career of social promise; the second is financial commitment itself can develop continuously. No bank branches are seeking is visiting the balance between the two -- not only may let the customer benefits, but also gets a certain market returns, namely the benefits of the benefits to the customers and financial service provider through the careful design and obtaining the balanced, which is to seek after all wish scene. Secondly, from the customer needs, collecting agent, work form and risk management four comments debate the international experience of the theory of bank outlets. Customer demand: "each product of branchless banking design, each service supply, according to customer needs, targeted; Acting collection: the process of constructing the acting collection, provided with low cost to a large number of poor people do things the supply of financial opportunities; work: because with the reality of each country is not the same, so the choice of branchless banking should work start from its own economic and social background of the actual situation; risk management: as a kind of financial service innovation, no network bank in the poor population display financial services availability and coverage of great potential financial progress at the same time, also with a lot of new risks, if there is no way to risk management supervision and supporting, can damage the benefits of the customer, and the impact of the overall financial system safety. Brazil, India, Philippines and Kenya's victory form the third chapter branchless banking theory to start earlier were introduced, focusing on the similarities and differences between the various partial form between the analysis. Four business form with the local chapeau is dependent on information and communication skills, whether business solution, still business information disposal, are inseparable from the support of information and communication skills; secondly, whether it is Brazil, Kenya, still India, the Philippines, theory of bank outlets can be one of the crux of the victory is international spread general agent. These agent basically on the vast size of the eve of the sector shrouded, let people especially in remote areas of the underprivileged can enjoy the basic financial services. Four business form difference chapeau is Brazil's rail system in the acting bank and India's Eko less attachment to mobile telephone skills, the business to begin by pay card and card reading skills such as, business customers solve, business information reaction more attachment to bank focal point information system. In addition, Brazil and India branchless banking customers can enjoy the financial services in the Acting Department to solve important. The acting is a financial service provider and customer communication intermediary only. Herewith analogy, the Philippines G-Cash and Kenya M-PESA important attached to mobile telephone skills, touch the cash business is important in acting to solve; secondly, Brazil and India customers receive significant funding to send existing bank accounts of customer supply. Under the supervision of the banking system, and customer funds received G-Cash M-PESA is an important deposit in mobile vendors provide the customer's account, in fact, is not subject to the supervision of the banking system; again, although agent can acting fundamental financial services, but every country admission scale acting in fact is not the same. Differences in Kenya and the Philippines only acting ordinary account business, business sales and cash deposit, remittance transfers to pay, Brazil and India's universal acting can offer a variety of services; finally, it analyzes the nations in building a collection of acting and stop the difference of governance. The fourth chapter analyzes the basic principles of fostering our branchless banking system from the following aspects. First, let qionghan can enjoy to the basic financial services, extended financial enveloped surface has been no theory of bank outlets. So our branchless banking theory should be to deal with the poor population the availability of financial services, financial progress coverage as its main theme; second, one of the main characteristics of branchless banking is different from traditional banking services is from the space and time to complete the work to expand the scale and extension, making banks and other institutions through the process of acting in rural remote areas the supply of financial service to become a reality, but it cannot do without the support of the ancient information and communication skills, with no support of China's banking system outlets to ancient information and communication skills as the basic business expansion; third, in addition to technical support, branchless banking to be carried out due to the conditions that the existence of the authorities policy support which is the expansion of the operating conditions; fourth, as a kind of financial service innovation, is to design the acting system of branchless banking department focus. Dealers, as the link bridge of financial service provider and customer, on behalf of the supplier to provide financial service, in the branchless banking business to begin plays the role of "man in the middle". In one of the network bank system to foster criterion is agent services in the supply of financial intermediary; fifth, profit is branchless banking to the continuous growth of the fundamental source. Rural and remote areas of the long-term existence financial services blank or lack of, the important reason is that banks and other institutions to set up branches or outlets of high input, low income, can not complete financial continuous. No network bank on the regional financial services, the lack of these fill rate has great progress over the financial potential, but the connotation of its growth also cannot do without the support of profit. Is whether banks, mobile operators or other networks without bank intervention, will seek to profit as its important objective. Chapter five is acting, acting collection management (anm) and financial service suppliers, no bank branches important intervention, review the debate its role each plays in the branchless banking system, and involves the rights, responsibilities and interests. About acting, important from the basic qualifications, power and responsibility, investigation and landing gear and its benefits, such as stop the comment debate; a anm, review focuses on the debate the which plays its role, challenges and should enjoy the benefits; as a non bank outlets business leader, the financial service supplier review debate important touch the supply of product and service design, agent scale formulation, acting to collect and build, choose the collection in the form of acting, no outlets for the pricing of bank business, supply chain income distribution and customer cover etc.. The sixth chapter focuses on the choice of bank outlets comment on our non business form. Include the following five aspects: first, from the policy system, skills, teaching and other participants, facing China's development strategy of branchless banking theory is analyzed; second, Brazil, India, Philippines and Kenya and other countries in the form of the above introduction, combined with the reality of our country. Analysis and comparison of the different forms of service quality, initially proposed to mobile operators as the leading service form, and may have problems were analyzed and suggestions are given to the third response; based on the geographical position, financial strength, honor and receive new things to scale, put forward to the rural areas generally there are daily necessities small stores and mobile network operators such as trading entity agent; fourth, according to the basic skills, basic human, financial strength, management agent usually Operation, especially the activities of experience scale proposed to mobile operators acting collection management advice, and according to the acting business activity management, put forward the suggestions for mobile operators and rural credit cooperatives, rural banks and other rural areas of financial institutions, professional collaboration. Chapter seven from three aspects of client, agent and financial service provider, isolation and analysis of the their respective risk and response risk management advice. From the risk of the customer is important clients are facing is blackmail, choose not to be the product of and means less than useful in adults and encounter the risk of loss; from the agent risk important have cash risk, financial risk, operation style insurance, operational risk, fraud risk and money laundering risks; from the risk of financial service provider include the branchless banking business means too late to stop the useful governance and mastery of risk and brought by mobile operators publish virtual currency risk. In view of these risks, the separation of financial services customers, suppliers, regulators are three aspects of their respective risk management thoughts. A customer, authorities and suppliers should be helping customers in root position, financial knowledge and financial skills aspect is improved ceaselessly and progress; and the supplier should be in acting policy and French, of acting collected regular audit, risk in charge and punishment mechanism, the external master and audit and regulatory reporting, emergency planning, insurance and other self regulatory and risk management thoughts of authorities. Important contains prior permission and after watching two aspects. Prior permission, as the only may formulate the scales of justice agencies and authorities to also have an obligation prior to some of the fundamental principles of make a provision, such as market access, agent qualifications, acting business scale and the supplier can be can be business outsourcing, customers cover and the AML / CFT and. After the regulatory authorities can also: wrist and object after the application of regulatory reporting, review and on-site monitoring database to deal with the risk of branchless banking can. The innovation point of this article is not only from theory to practice to introduce and analyze the specific bank outlets to stop, and put forward the construction of China's banking networks without the basic principles of subject, strategy, and combined with the reality of our country from the skill level, system environment, financial and other aspects such as teaching intervention strategy on China to stop analysis of differences and work are analyzed and compared, and combined with the latest international theory, put forward different from the previous research work in the form of plan choice - mobile operators led, and detailed implementation can have problems were analyzed and corresponding comment on the proposal, and generally consistent premise the rural region selection of daily necessities small stores and mobile business outlets as the agent, a reference from the hierarchical form of governance in Kenya and according to our country's actual situation to stop ringing Should be amended. The first special of branchless banking risk, our branchless banking risk management more comprehensive thoughts from three aspects of customer, financial service providers to improve self regulatory and regulatory authorities.