According to the news of Zhongxin Jingwei, Liao Haircut, the deputy dean of the Wudaokou Finance College of Tsinghua University and the dean of the Institute of Financial Science and Technology of Tsinghua University, said, "What changes should the Chinese personal credit industry make? 》 article. The article pointed out that the development of financial technology has brought new opportunities for the development of the credit industry. Artificial intelligence, blockchain, cloud computing, big data, etc. can all contribute to the development of the credit industry.