Zhu Yisheng, R & D Director of Lufax Technology Center, said that the main pain points of blockchain applications in the financial field are: First, the problem of blockchain visualization in technology. Visualization is a big problem. Second, there are more technical discussions now, but more effort needs to be spent on application innovation. Third, blockchain requires cooperation from multiple parties, and it is important to find a reasonable and efficient incentive mechanism. Fourth, legal issues require compliance management. For example, contract deposit certificates are very mature, but they have no legal effect.