With the intelligence economic developing, FinTech has greatly promoted financial model innovation. Cloud Computing technology, Big Data technology, Artificial Intelligence technology and Blockchain technology are applied to financial industry, these advanced technologies continue to innovate in many fields of the financial industry, forming a diversified industrial chain that focus on financial business processes, greatly increasing financial services automation level, improving efficiency and bringing the solution to solve the trust problem. FinTech has gained rapid development and greatly promoted financial services, however, there also exist several challenges, for example, financial regulatory policy lags behind, FinTech has limited development level, personal information security encounters increasing risks, the financial technology industry sustains lack of talent and so on. Based on above issue, we propose some corresponding policy suggestions: improving regulatory policy to adapt to FinTech innovation, utilizing RegTech to promote financial regulatory efficiency, accelerating improvement of relevant laws and regulations, improving the talent training system, coordinating multiple parties to optimizing the environment of FinTech industry and so on. We hope that these policy suggestions can help to solve the problems, and contribute to FinTech exerting positive effect, promoting sustainable and healthy development.
