“短信银行”是指银行借助移动通讯服务商的短信服务平台,为客户办理各种银行业务的一种新型服务方式,对于银行和客户而言均具有重要意义。本文简要介绍了“短信银行”业务的内涵与优势特点,还根据发起主体不同、是否需要支付费用以及发送短信目的对该业务进行了分类,并在此基础上提出了银行提供“短信银行”服务时应当注意的法律风险及相应风险防控措施。 “SMS Bank ” refers to the bank using mobile messaging service providers SMS service platform for clients for a variety of banking services, a new type of service, both for banks and customers are of great significance. This article briefly introduces the connotation and advantages of the “SMS Bank ” business. It also classifies the business according to the different subjects, whether it needs to pay fees and the purpose of sending short messages. Based on this, Bank "service should pay attention to the legal risks and the corresponding risk prevention and control measures.