On the morning of November 23, the opening ceremony of the 16th Annual Global Conference of the International Finance Forum (IFF) was held in Guangzhou. Liang Tao, vice chairman of the China Banking Regulatory Commission, attended the annual meeting and delivered a speech. He said that he should vigorously optimize the financing structure and financial institution system, market system and product system, and provide customers with high quality and difference based on market demand. Financial services. Small and medium-sized banks should improve their business models and identify the positioning of development. They should not seek “big and complete” and focus on “small and beautiful”. To effectively play the positive role of taking root in local services, the financial industry should make good use of emerging technologies and give full play to information technology such as blockchain, big data, artificial intelligence, and cloud computing to solve the problem of small business loans and expensive loans.