Recently, Bitcoins in Chinese and Japanese markets rise sharply, and has attracted the market's huge concern. Anbound’s chief researcher Chan Kung pointed out that with the development of internet technology and the popularity of mobile Internet, a wide range of financial innovations has increased significantly and more conveniences are created. In the context of capital surplus, financial innovation has become a kind of self-demand and self-realization of excess capital to some extent. Traditional finance in the face of financial innovation does appear to be some "out-dated", but with the breaking of the closure of the financial operation, financial innovation may become the main source of future financial risks.