银行要处理好发展与风险的关系，既不能因循守旧，也不能盲目冒进。
Banks must properly handle the relationship between development and risk, neither sticking to old ways nor advancing recklessly.
创新不是颠覆传统，而是在传承中突破，在稳健中前行。
Innovation is not about subverting tradition but making breakthroughs while inheriting and moving forward steadily.
人才是银行最宝贵的资产，要建立市场化、专业化的用人机制。
Talents are the most valuable assets of banks, and we must establish market-oriented and professional employment mechanisms.
绿色金融不仅是社会责任，更是银行业未来发展的战略方向。
Green finance is not only a social responsibility but also a strategic direction for the future development of banking.
客户的需求在不断变化，银行的服务模式也必须与时俱进。
Customer needs are constantly changing, and banks' service models must keep pace with the times.
数字化转型不是选择题，而是必答题，银行必须全面拥抱数字化。
Digital transformation is not an optional question but a required one; banks must fully embrace digitization.
国际化不是简单的走出去，而是要实现本土化经营和全球化视野的有机结合。
Internationalization is not simply going global, but achieving an organic combination of localized operations and a global perspective.
银行的核心竞争力在于服务实体经济的能力，而不是简单的规模扩张。
The core competitiveness of banks lies in their ability to serve the real economy, not simply in scale expansion.
金融科技正在重塑银行业态，我们必须主动拥抱变革，而不是被动等待被改变。
Financial technology is reshaping the banking industry, and we must actively embrace change rather than passively wait to be changed.