For now, does each into a business record into the block chain system, cannot be tampered with, just block chain makes little sense for financial institutions, block chain + years of big data, (including various repayment default data, a credit event and various other borrowers behavior data) but if you are to make block chain service even if you have these financial institutions, or just do a service platform are futile, because such involvement in the financial sector within the volume level you know how deep understanding of that moment, data link, the means of big data liquidation according to the American finance, 1. 2. Lending take your judgment put mesa bet size (the United States so many various derivatives index, that is not created by stitching, it is the time by tax authorities, bank transfer record, gas consumption records and numerous methods such as manpower, capital input to get the data, and on this basis, creating), the former has done a lot in China but also father level of the big MAC, which are basic didn't how to do, after all, credit insurance, credit derivatives index derivatives are not common in China, of course, China might have to create the other means of cash, such as can often discuss the various reports, but I personally think that not real because it for consumption data, block for side chain on the basis of the report is completely black box, perhaps even out the report didn't believe, so I use real money to throw or use the money to bet to prove his analysis judgment makes easy to accept, after all, the logic of the business world is so real,