Nowadays, we have seen a resurgence of investment frauds that promise high returns and could be disguised as financial technology or Internet finance, but they are illegal fund-raising in essence. All individuals should bear in mind that there is no such thing as a free lunch and that principal-guaranteed investments 3/4  BIS central bankers' speeches  offering high returns are financial fraud.
They need to be more alert, beware of risks and improve capability to identify risks, and stay away from illegal financial activities. We hope that the participants here at this Forum, while offering insightful views, can patiently help promote such basic financial literacy. Many thanks to the moderator for his kind introduction and support. I wish this forum a complete success!