According to Sina Finance News, on December 20th, the "2019 Digital Finance Annual Summit" was held at the School of Economics and Management of Tsinghua University. Speech. Lu Yifan said that the essential reason for the difficulty of financing for SMEs is that banks do not trust the data provided by SMEs at all and cannot fully understand the financing situation of enterprises. Maybe this company has raised funds from multiple financial institutions at the same time, but multi-party data cannot or is unwilling to share. What Ping An One Account needs to do is to verify the authenticity of the data under the premise of cross-validation, so that banks can be more confident in financing SMEs and achieve the sharing effect when the data is not completely shared.