The management of commercial banks is guided by "steady" culture. Financial technology is a new thing. Due to the stability seeking system of commercial banks, there are complex considerations in the acceptance of new things, which cannot be dealt with quickly, and it is easy to miss the opportunity of innovation and transformation in the era of financial technology. In addition, under the "steady" cultural system, all businesses are standardized and complicated. Under this management system, the long process of financial business approval and the long cycle of R & D and design lead to the slow response of commercial banks to the market financial demand, and they are unable to apply the relevant information technology to the actual process of identifying, acquiring and maintaining customer relationship in time to find market opportunities.