In this paper, a large number of literature review, found that the current literature for the Internet payment of specific indicators less, based on research topics and data availability considerations, the final reference (Shchepin, Zou Chuanwei, Liu Haier, 2014) for the Internet finance in the Internet payment to online banking and mobile banking as a form of performance, select two core explanatory variables to measure the internet payment services, respectively, is whether households open online banking (x 1) and whether households open mobile banking (x 2)