According to Jin Shi news, the former Chairman of the China Banking Regulatory Commission, Shang Fulin, recently attended the event, saying that with the rapid development of financial technology, some new financial formats, such as online lending, virtual currency trading, campus lending, etc., and some “shadow banking” businesses have emerged. Part of the so-called new financial format, the essence is to "fudge everyone, fool the public." The result of the flicker is that the last thing is to explode, and something is going to happen. Many of the so-called "innovation" activities created by financial innovation and technological innovation are actually variants of financial chaos in the past, but the structure is more complicated and more relevant than before. More harmful.