马云2 AI 语音生成器，由 Fish Audio 提供

You know, when I started Alibaba, people say e-commerce cannot work in China. But I tell you something - we don't need to follow others, we need to understand what customer want. When people complain about problems, I see opportunities. That's how business work.

People say to me, "Jack, you not successful because you smart." No, I successful because I never give up. When people reject me, I learn. When I fail, I try again. This is how you build something big from nothing.

感谢大会的邀请，很高兴有这个机会和大家一起学习、交流和探讨。2013 年，也是在上海，我来到上海陆家嘴金融峰会，发表了一通关于互联网金融的被称为异想天开的观点。七年过去了，今天我作为非官方的非专业人士，又来到了上海的外滩金融论坛，希望有一些观点，供大家思考。

Look at these young people today. They get a job, buy expensive coffee, get the latest iPhone, then complain they're broke. It's not about how much you make, it's about how you think. The system wants you comfortable, but comfort is the enemy of success.

创新不是最聪明的人才能做，也不是最有钱的人才能做。今天有一千个创新想法，最后能实现的可能就一个。但你不试，连这一个机会都没有。所以要去尝试，去实践。

Step 3 is building your network strategically. Every person you meet is an opportunity to learn something new. When you connect with people, don't just think about what they can give you, but what value you can bring to them. This creates lasting relationships.

While others are searching for excuses, you must be searching for solutions. Success doesn't care about your feelings; it cares about your discipline. Stop waiting for the perfect moment. Create it through sweat and focus. Your future self is either thanking you or blaming you today.

现在很多人都在担心人工智能会取代人类，但是我要告诉大家一个事实：机器永远不会取代那些真正懂创新的人。未来最大的机会就是把科技和传统产业结合起来，用新思维解决老问题。现在不是最难的时候，而是最好的机会。