Jack Ma马云 AI 语音生成器，由 Fish Audio 提供

You know, success is not about being smart or lucky. I failed three times in primary school, but each failure taught me something. Start small, maybe just reading one book each month. Small steps, consistent actions, that's how you build something amazing.

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。

年轻人总问我创业的秘诀是什么。其实没有秘诀，就是不断地学习，不断地总结，不断地反省。你今天觉得自己很了不起，明天就会发现自己还差得远。所以要保持谦虚，永远做个学生。

Remember, the greatest opportunities often emerge from the deepest challenges. Young people today have unprecedented potential to create, to innovate, to transform their dreams into reality. The digital age has opened doors that my generation never imagined possible.

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.

When you face challenges in business, remember that success isn't about being perfect, it's about being persistent. Every failure teaches you something valuable, and when you learn to embrace these lessons, you start seeing opportunities where others see problems. That's how real growth happens.

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.

People always ask me about technology, about artificial intelligence, about the future of business. But let me tell you something: the most powerful technology is not in computers. It's in your heart, in your determination, in your ability to learn from failure every single day.