Block　chaining　technology　has　rapidly　become　a　new　global　hotspot　after　the　Internet　in　the　field　of　financial　technology　(Fintech),　attracting　close　attention　from　governments,　experts　and　scholars.　In　practice,　the　specific　meaning　of　＂financial　science　and　technology＂is　different　under　different　backgrounds,　and　there　are　differences　and　connections　with　the　concept　of　＂Internet　finance＂in　China.　Fintech　(Financial　Technology)　is　a　financial　innovation　based　on　artificial　intelligence,　big　data,　cloud　computing,　block　chain　technology　and　mobile　Internet　technology.　Financial　technology　(Fintech)　has　been　developing　rapidly　because　of　its　obvious　advantages　in　boosting　the　development　of　Inclusive　Finance.　The　development　of　Fintech　has　played　a　certain　role　in　the　transformation　of　traditional　financial　institutions　and　the　innovation　of　business　models.　Fintech　has　promoted　the　innovation　of　regulatory　mechanism　and　the　innovation　of　regulatory　framework.　Financial　technology　is　an　innovative　activity　to　transform　the　mode　of　production　in　financial　industry　by　means　of　science　and　technology,　and　thus　to　improve　financial　productivity.　The　development　of　information　technology　provides　a　necessary　prerequisite　for　financial　and　technological　progress.　Based　on　its　characteristics　of　centralization,　privacy　and　programmability,　block　chain　technology　has　the　possibility　of　innovating　the　traditional　financial　payment　system　theoretically.