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"Different from traditional financial services institutions, customers can apply for loans just through the internet, which has greatly improved efficiency and convenience for them," Zhang said.

"Despite more serious measures taken to get defaulters to comply with verdicts, there were still 19 people who defaulted and were thus sentenced under the Criminal Law," he said, adding that some other defaulters were given detention and fines last year.

"Educating tomorrow's entrepreneurs is vital for the nation's future as China is striving to maintain high levels of economic growth," said Xu.

"During the first quarter, the current account is likely to remain stable within a reasonable range, although it may show a deficit. The COVID-19 pandemic will not alter the basic trend in the medium to long term," said Wang.

"During the second quarter, the onshore spot rate of the renminbi against the greenback is expected to hover around the current 6.7 without any big fluctuations," said Mei Dongzhou, an associate professor from the Beijing-based Central University of Finance and Economics. "It may even head for 6.6, as previous appreciation themes should continue."