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。

一个国家制度的强度不仅在于其正式规则，还在于管理行为的非正式规范以及这些规范被人口内化的程度。

The world is so unpredictable. Things happen suddenly, unexpectedly. We want to feel we are in control of our own existence. In some ways we are, in some ways we're not. We are ruled by the forces of chance and coincidence.

The test of a first-rate intelligence is the ability to hold two opposed ideas in mind at the same time and still retain the ability to function.

我们行业面临的最大风险不是能源转型本身，而是对其毫无准备。