According to China Net Finance News, on October 18, the Commercial Bank Digital Transformation and Development Seminar and the "China Commercial Bank Digital Transformation Research Report" conference was held in Beijing. Luo Yongzhong, deputy director of the Science and Technology Department of the central bank, pointed out that the digital transformation of China's financial industry is driven by four aspects: First, the leadership of the "Digital China" strategy, the establishment of a basic environment and support for technology and facilities; second, the new technology for traditional finance. The business model has an impact, which has forced the financial industry to change. Third, the global financial supervision has been continuously strengthened. All parties are increasingly demanding the efficiency and security of financial services, driving the transformation and upgrading of the industry, and “productive” productivity to technological progress. Fourth, big data. New technologies such as blockchains and artificial intelligence are emerging one after another, and drive technology is upgraded.