Fund supervision means that the trading market is supervised by banks, and funds are earmarked for special purposes. Once the buyer and seller reach the transaction intention and complete the transaction, the market bank receives the transaction instructions from both parties and lends money to the seller, which effectively avoids some transactions. The credit risk of the merchant truly solves the problem of buyers and sellers worrying about each other and not daring to pay first or not delivering the goods first during the transaction process.