The World Bank (World Bank) stated that “smart contracts can promote financial inclusion”, that smart contracts can promote the inclusiveness of consumers and small and medium-sized enterprises in certain financial services (such as insurance and supply chain finance). In short-term unsecured credit, the impact is even more limited. Specifically, in the insurance field, smart contracts help to increase transparency, and some control over the claims process can be handed over to consumers, and to a certain extent, fully automatic claims can be realized. In addition, in terms of short-term unsecured loans, although smart contracts can improve efficiency in various stages, there are many forms of unsecured loans (such as credit cards and mobile payment-based loans) application and approval process has been very highly automated. In addition, an important driver of the cost of consumer credit is credit risk, and smart contracts have little effect on improving the creditworthiness of borrowers. Therefore, in this case, the impact of smart contracts may be limited. Lianwen note that the World Bank is a United Nations system international financial institution that provides loans for capital projects in developing countries and is also one of the constituent bodies of the World Bank Group.