With the large data, cloud computing, block chain, artificial intelligence, mobile Internet and other information technology in the financial industry in-depth application, financial and technological depth of integration and traditional gold and Internet financial depth of cooperation Fintec3.0 era has arrived. FinTech is driving the transformation and upgrading of the traditional gold industry, but also gave birth to a number of new financial industry to flourish. Financial innovation, such as mobile payment, digital currency, P2P network loan, equity information, large data credit, intelligent investment, wisdom contract, scene finance and so on, are improving the efficiency of financial services and reducing the overall cost. Financial ecology. In particular, with the rapid development of block chain technology research and development and application of the chain has become Fintech3.0 era of technology engine, IBM released research report shows that by the end of 2017, 15% of banks will be involved in the block chain Technology, and in the next three years, nearly two-thirds of banks will be able to provide formal block-chain services. In addition, with the opening of the block chain 3.0, the application of the block chain is more extensive, gradually from the financial sector to the supply chain, energy, medical, government governance and other aspects, even in the future and artificial intelligence, Cross docking. This round of new wave of innovation, how to preempt the layout and application of block-chain technology to achieve the technical landing to obtain strategic advantages, which is not only the financial industry, but also a lot of chain chain + industry's top priority.