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"For digital lenders, such advances open up a blue ocean with a long tail of around 600 million Chinese borrowers who were traditionally considered below-prime and too risky to lend to," said Cliff Sheng, Oliver Wyman partner and author of the report.

"Have awe and respect in your heart, and do not cross the line before building a sustainable company," Liu said.

"Hainan is making full preparation for the establishment of a fairness review and anti-monopoly commission and a special advisory group to investigate and evaluate the overall market competition situation, issue assessment reports and coordinate important issues of anti-monopoly law enforcement and the implementation of competition policy in Hainan FTZ," said Yan Li, head of the antitrust bureau under the Hainan provincial administration for market regulation.

"For some banks, toughening regulation is good news. It will restrict disorderly competition among banks in many business areas," said Zeng Gang, director of banking research at the Chinese Academy of Social Sciences' Institute of Finance and Banking.

"Given some divorced parents have not visited their children for a long time, we improved coordination with those granted child custody and finally achieved several successes in online visitation," he said.