The paper focuses on the old bank system using multiplexer to link terminals into network that can not meet the need of the banks and advances a new terminal accessing method which is called router ' s dumb terminal accessing technology 本文针对银行原来的多路复用器终端接入方式不能满足银行业务发展的需要而提出了一种新的终端接入方式即路由器哑终端接入方式。