金融科技的发展必须与风险防控并重，不能盲目追求创新。

If you want to make a human being into a monster, deny them, at the cultural level, any reflection of themselves.

创新不是目的，而是手段，最终要为客户创造价值。

"The only way to get rid of a temptation is to yield to it."

谁笑到最后，谁笑得最好。