我能体会到我和很多年轻朋友的代际差异。我那时正是经济大发展时代，一个小小的行政村就有数百个出口企业，每个企业都小小规模，但年销售额都过亿。

我对银行金融贸易的认知就是以此为基础的，提及商业都是讲一个月几十还是几百个四十尺货柜。而这些都是依靠现在我们所看到的银行系统才可能实现的。所以，我可能站在非常不一样的视角看问题。

如果有冒犯任何人，这不是我的本意，请谅解。

I can really feel the generation gap between me and younger people (Gen Z). When I was younger, it was a time when scores of exporters crammed into a small village town, each was small but with annual turnovers at levels of hundreds of million Yuan.

My knowledge about banking, finance and trading is based on that scenario. When speaking about business, I had in my mind tens or hundreds of 40ft containers per month for exportation, which was simply impossible without banking system. So now I realize my perspective is quite different.

If anyone feels offensive, it’s not my intention. I apologize.