On October 20th, at the 6th World Internet Conference, Chinese Academy of Engineering academician He Hezhen said that traditional technology can not solve the problem of trust in financial transactions. Therefore, many transactions need to be carried out in an organized market, using blockchains, etc. The technology makes electronic data no longer easy to delete, easy to change, easy to copy, and ensures the trustworthiness of the original data. The value exchange on the Internet no longer needs to rely on the financial private network. In the past, China's financial supervision was mostly license management. In the era of digital assets, financial diversity and openness pose new challenges to regulation, such as intelligent contracts in blockchain. The small and medium-sized micro-enterprise loan process is regulated by blockchain, which can reduce the loan interest rate and provide short-term loans and small loans.