潘辛平:非常高兴由我来主持这一节的关于《电子支付行业应用前景探析》的对话。首先我们有请今天上午的演讲嘉宾高佳卿高博士、文哲先生和雷扬先生。三位嘉宾今天的报告大家都听了,安排这样一节对话节目,是想进一步发掘他们最精彩的地方。三位嘉宾是我最近刚刚访问过的,我也在做电子支付的研究,我做这个主持人,还是有一点条件。第一个问题,想问一下高博士。最近的一年多,大家看到首信有非常多的创新出来,而 Phan Xinping: It is my pleasure to host this section of my dialogue on “An Analysis of the Future of Electronic Payment Industry Applications.” First of all, we have invited Dr. Gao Jiaqing, Dr. Wen Jiazhe and Mr. Lei Yang to this morning’s speeches. All three guests listened to today’s report and arranged for such a dialogue program to further explore their most exciting places. Three guests I recently visited, I am also doing electronic payment research, I do this host, or a little condition. The first question, would like to ask Dr. Gao. In the recent year or so, we have seen a great deal of innovation in Capitel