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But, there are also bright spots in the industry, such as the launch of pilot tax-deferred commercial pension insurance products, which could help boost insurers' premium income, Pan said in a research note.

By accelerating the overall development of the Greater Bay Area, Hong Kong enterprises can gain access to the huge domestic market, said Cheung's blog article.

But visitors have complained about the lack of toilets in the area. In May, the area was criticized by the government for the problem.

By 2020, banking and insurance services will be set up in rural areas, with 95 percent of farming households taking part in agricultural insurance, according to a five-year plan on inclusive finance released by the State Council in May last year.

But the real reason behind the scenes is youngsters' lack of "national identity", Ho said.