An open market enables enterprises to compete and cooperate with each other on a larger scale and at a higher level to promote economic development. When the economy overheats and inflation rises, interest rates are raised and credit tightened. When the overheated economy and inflation are under control, the interest rate is duly lowered. Interest rates are therefore one of the fundamental economic factors. Interest rates are an important financial variable in economics, and almost all financial phenomena and financial assets have more or less connection with interest rates. According to the adb's report, the global trade finance gap was as high as $1.5 trillion in 2016, while Asia accounted for 40 per cent of the gap. What the company wants to do is make up for the gap in trade finance by means of financial technology. Xpoint fills the cost and cost gap between high speed and high cost DRAM and low cost NAND. Does this technology engulf DRAM and NAND markets? Customers who purchase a large number of Xpoint chip/drives may purchase fewer DRAM chips and NAND chips/drives.