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"Customers care more about the dynamic performance, appearance and cost performance of cars," Wang said.

"Chinese customers who buy used cars are mainly short of cash, so plentiful financial products will help their purchases," he said.

"Chinese shipbuilders have some advantages over the traditional shipbuilding powers including South Korea and Europe. For instance, the country's shipbuilders are good at making 'tailor-made' ships," Hu noted.

"Customers in Hong Kong did not like cucumbers with thorns, and those in Russia thought our tomatoes were too juicy," he said, adding he then realized that people from different places had different eating habits for vegetables, so their demands varied.

"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.