According to the "Banker Magazine" report, Xia Ping, secretary of the Party Committee and Chairman of Jiangsu Bank, said that financial technology has become a new dimension of commercial banks' competitive development and is the key to the survival of the fittest in the future. In the future, good banks must implement "genetic reengineering" with financial technology. ". The impact of the outbreak of financial technology on future banks is huge and far-reaching. In recent years, with the emergence of emerging technologies such as big data, cloud computing, and blockchain, financial technology has experienced explosive development, and it is likely to break the inherent mode of banking information intermediation, credit intermediation, and capital intermediation for hundreds of years.