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"For smaller loan applicants, the major difficulty is the information asymmetry," he said. "How to reduce default risks of unsecured loans by monitoring the cash flows of companies is also a challenge, because small and micro enterprises are asset-light and short of pledges."

"For one thing, the diversified demands of consumers in different regions of China are not sufficiently satisfied. For the other, many consumer markets are decentralized and lacking top products or better services, which suggests more space for companies to explore," Xie said.

"Gold consumption is expected to continue its uptrend on the back of strong demand and growth in high-end sectors like jewelry, and the industry is moving to produce more retail products to meet customer needs."

"Good performance in outsourced services will also help build our domestic brands," Li said.

"For the NPC Standing Committee to look at it is in the best interests of Hong Kong, to tell us the best way forward," Tang said. "This is a legal, rational and logical way to address the legislative vacuum."