In recent years, the development of financial technology is surging, and frontier technologies such as blockchain, artificial intelligence, big data and cloud computing are more and more widely used in the financial field, and the integration of technology and finance is getting closer and closer. Financial technology is changing the world, reshaping enterprises and profoundly affecting everyone's life. On the one hand, it has brought great convenience to the world, improved the operational efficiency of enterprises and improved people's quality of life; On the other hand, while playing a positive role, financial technology also shows some negative factors. A large number of electronic money represented by Bitcoin has been used as a speculative tool, which has intensified financial speculation. Therefore, it is necessary to fully understand the development and trend of financial technology. I recommend Mungos China Financial Technology Survey Report.