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"Financial institutions, especially some commercial banks, became hesitant or overreacted to the tightened regulations, thus they suspended part of their financing activities and stopped large-scale investment in nonstandard credit assets already－one of the reasons that led to the current liquidity pressure," said Wei Xing, an expert in asset management products with a domestic securities company.

"Having a child has put a lot of strain on the family budget," said Ma Xin, who has a 4-year-old daughter and lives in Dongcheng district of Beijing. Expenditures on the daughter account for nearly half of the couple's monthly salary.

"For me, the most important thing is that all BMW organizations in China play a more crucial role in the global network," she said.

"Following the recent addition to The Queen's Beasts collection (10 coins inspired by ancestral beasts of heraldry, myth, and legend said to watch over the queen), we are pleased to present investors with the opportunity to further develop their portfolio with the latest lunar coin," said Nicola Howell, consumer director at Royal Mint. "Precious metals are known for their ability to safeguard investments against market volatility and it is reassuring for investors to know that they have a range of options available to them."

"For the Chinese people, it's a tradition to buy and wear some new clothes for the new year. Local specialities and common purchases for the Spring Festival such as rice cakes and preserved meat are also very popular," said Ma, who has been in the e-commerce trade for 12 years.