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"Commercial banks, whether big or small, are not familiar with customer acquisition on the internet or using alternative data provided by third-party service providers to conduct credit investigations. Under the circumstances, fintech companies will serve as necessary enablers for banks," said Victor Li, executive vice-president of Pintec, a Beijing-based fintech total solutions provider.

"Commercial banks have a major responsibility to develop green finance to support the transformation and upgrading of China's economic structure," said Zeng Gang, director of banking research at the Chinese Academy of Social Sciences' Institute of Finance and Banking.

"Compared to pure IT players, we find our competitiveness in our profound understanding and rich experience in clinical medicine," Ho said, adding the company's solid financial backing is another benefit.

"China's urban rail transit has seen good growth momentum for three consecutive years," said Xie Zhengguang, president of the association.

"China saw a dip in car sales last year, but we think of it as a marker of China's transition into a developed market," said Enno Tang, president and CEO of Continental China.