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"For the large number of elderly people who are not familiar with them, mobile payments mean great inconvenience," Zhen said, adding that for those living in remote villages or who are less well-off, and where internet coverage is still low, cash remains king.

"Five years ago, I wanted only to make short video clips on cooking for people to watch on their way back home," Tse says. "I didn't expect it to go so far.

"Firefighters will be forbidden to take posts in firefighting industry associations and agencies. Retired firefighters who take such posts should abide by relevant government regulations and accept no wages from these posts," he said.

"From my knowledge with my Chinese colleagues, the investment in the Chinese banking industry is rising on the security topic because of the risk consciousness and the hackers … Today, the question is no longer 'if you will be attacked' but 'when you will be attacked'. Any banker is a responsible manager and is happy to end the risk," he said.

"For the next phase, it is critically important to keep the overall capacity from growing, while at the same time to optimize the capacity layout in the industry and increase product quality to achieve high-quality development in the sector," he said.