Ma Yun's speech has always been provocative, and this speech at the Bund Financial Summit is no exception. At first glance, I feel that Ma Yun's speech is full of dry goods, which is very reasonable. It is also a well-known truth for women and children, and there is nothing new. However, one thing is worthy of "affirmation". Ma Yun really dares to say that he has said something that many people have been holding in their stomachs for a long time.

There is never a shortage of people in this society, and Ma Yun's "pointing fingers" on the Bund will also not cause much goodwill.

Ma Yun attacked the bank's pawnshop thinking, saying that it should not mortgage, lend money to good enterprises, and leverage enterprises that are not short of money to the death. Obviously, it is using exaggerated language to gain attention. Banks are credit enterprises. Under the current social credit system and scientific and technological means, it is an inevitable choice of social reality and a helpless choice for banks to lend with collateral.

It is a speaker's logic to put aside reality and stir up everyone's emotions with inflammatory words, but obviously it can't solve practical problems. Capital is profit-seeking, which is the essence of capital. Ma Yun is obviously confusing logic and grandstanding. Putting aside the essence and going to extremes is also the usual trick of a senior speaker.

Regarding innovation and risk, Ma Yun expressed many views in his speech. Obviously, it is some rhetoric and empty talk, and the pattern and perspective are obviously not high enough. Everyone knows that innovation has risks, and everyone knows that only by allowing risks can innovation be achieved.

China, a big country, is not an ant's gold suit. Risk and innovation must be weighed, and innovation must be persisted on a sound basis. If there is a systemic risk in China's finance, the consequences are immeasurable, and it is not possible to solve the problem simply by a few words. As a businessman, Ma Yun obviously cannot know the political factors behind it.

Many people read Ma Yun's speech, and feel that they have spoken their minds and "get it off your chest" for everyone. Obviously, businessman Ma Yun doesn't have the leisure time. Businessmen do everything with a purpose. Ma Yun's high opinion clearly has a position and is full of businessmen's thinking. Obviously, he wants the country to open more policies and make his business easier. As for whether it will have other negative effects, he is too lazy to care.