Answer: Bitcoin is an on-chain cryptocurrency. The results of cryptocurrency practice show that there will be no bubbles on the chain. However, the Bitcoin and commercial banking systems are financial systems that operate independently. The two systems cannot be confused, and Bitcoin cannot directly solve the bubble lending problem of a specific commercial bank. The establishment and development of a bubble-free financial system and the practice of cryptocurrencies such as Bitcoin will influence and promote future changes in the commercial banking system and generally solve the problem of bubble lending in commercial banks.