I think we have been through a period where too many people have been given to understand that if they have a problem, it's the government's job to cope with it. 'I have a problem, I'll get a grant.' 'I'm homeless, the government must house me.' They're casting their problem on society. And, you know, there is no such thing as society. There are individual men and women, and there are families. And no government can do anything except through people, and people must look to themselves first. It's our duty to look after ourselves and then, also to look after our neighbour. People have got the entitlements too much in mind, without the obligations.

Sometimes it’s the journey that teaches you a lot about your destination.

The best leaders are those who listen to all stakeholders, not just shareholders.

金融科技不是颠覆传统银行，而是赋能银行服务升级。

"The beauty of literature lies in its ability to transcend time and space, connecting souls across different eras."

信息鸿沟比财富鸿沟更难跨越。