Fin -Tech is driven by a variety of emerging frontier technologies and is a series of new business models, new technology applications, and new products and services that have a significant impact on the financial market and supply of financial services. It has attracted wide attention because of improving the efficiency of operations, reducing operating costs effectively, disrupting the existing industry structures, blurring industry boundaries, facilitating strategic disintermediation, providing new gateways for entrepreneurship, and democratizing access to financial services.