Zhao Yundong, deputy general manager of the Agricultural Bank of China R&D Center, said in an interview that banks are very active in applying new technologies and are willing to try. But large-scale use and promotion is relatively cautious. The development of blockchain technology is still in the climbing stage, not yet fully mature, and many applications are also in continuous exploration. Banks should apply new technologies in three aspects. The first is the value of technology, whether it can reduce costs and increase efficiency, expand customer base and improve service capabilities, the second is the degree of matching between technical and financial scenarios, and the third is technology itself. Maturity. Despite the initial consensus on the application of blockchain technology in the banking industry, the two issues of cross-chain information silos and privacy protection remain to be resolved.