According to the Beijing Business Daily, Chen Wenjun, a professor at the Yangtze River Research Institute of Fudan University and executive director of the Digital Economy Research Center, pointed out that the difficulty of "blockchain + finance" lies in the commercial case. Consider market acceptance, customer experience, community development, and many other factors. When it comes to the biggest challenge of the current "blockchain + finance", Chen Wenjun believes that legislation is lagging. She bluntly stated: "In fact, it is difficult to accurately assess the conflict of rights and obligations before there is a landing project. Operating under the premise of professional legal gaps will bring trouble to the industry. Large-scale, production-grade, and public are the 2020 blockchain Three keywords applied. "