The convergence of information technology and the financial industry has led to the rapid development of financial technology. The main content of this paper is to introduce the importance of the background of financial technology to the economy, and to elaborate the significance of this research. Therefore, we put forward two main problems. The first problem is the problems faced by financial technology in the current development, among which there are three results. The results of our research are the imperfect application of science and technology in financial institutions, the homogenization of financial service functions, and the lack of application-oriented professionals, which are mainly problems faced in the current development. We first discussed what is financial economy, and then discussed the main issues. Around this issue, we gave three conclusions: 1) Promote the deep integration of finance and technology; 2) improve and build the regulatory system of financial technology; 3) deeply integrate the development of financial technology and give play to differentiated competitive advantages.