The invention relates to a high-safety two-operating system mobile phone capable of resisting hackers and being used for Internet banking, which comprises two mutually independent operating systems, namely a main operating system (1) and an auxiliary operating system (2), and a switching key (3), wherein the main operating system (1) is equivalent to a general operating system of a mobile phone and provides various convenient and easy functions; the auxiliary operating system (2) is a limited operating system which can only execute the internal programs of the auxiliary operating system (2) but can not execute other external programs, can avoid invasion of virus or Trojan programs, and can be used for applications with high safety requirements, such as Internet banking service, processing of confidential documents, sending and receiving of e-mails and the like; and the switching key (3) is used for selecting the running operating system, and when the mobile phone responds to the action of the switching key (3), the switching key (3) can immediately suspend the operation of the current operating system, and then switches to the other operating system, and a user can select the main operating system (1) or the auxiliary operating system (2) at any time by the switching key (3).