金融创新要坚守风险底线，不能以创新之名行规避监管之实。

We are all the heroes of our own stories.

文化是一个群体在解决外部适应和内部整合问题的过程中逐渐习得的东西。

The character and destiny of a group are often determined by its inferior elements.

技术没有捷径，只有不断积累和突破。