Gap number two is what I call the regulatory gap.

第二个差距我想称之为" 监管差距" 。

Yet those fintechs are disclosing regulatory gaps which, if not closed both domestically and on a cross-border basis, can actually lead to systemic risks. And you want to guard against that. Transform safely, and be more inclusive!

然而，金融科技的崛起也暴露了国内和跨境监管中的漏洞，如果不能弥合，可能会导致系统性风险。不要去冒这个险，安全地实现转型，提高包容程度。