in 2001,online banking in china was born,experienced as a new things,which all phases,such as banks"standard"service channel.online access to a bank in cash,almost all the personal banking services,a showcase for a bank to personal financial service level.spdb launched in 2003,six individual net ** developing rapidly. based on the analys** of individual net based on market environment,th** ** d**cusses the advantages of pudong development bank individual net,and also analyzed its development prospect and the ex**ting problems and opportunities,proposes the effective enlarge market share strategies.