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"Guangdong police fought 274 drug cases involving in foreigners and residents from Taiwan, Hong Kong and Macao between January and October," he said.

"For example, Nyemo county in the Tibet autonomous region now has 10 workshops producing goods based on intangible cultural heritage, offering jobs to 152 households there," he said. "Around 560 residents have benefited from these workshops and workers there have salaries of around 3,000 yuan a month."

"Given recurring financial fraud, it is vital for the public to learn financial knowledge and enhance risk awareness," said Liu Jianjun, vice-president of the bank. "Within the program, we plan to spread financial knowledge through a number of channels, ranging from online short video and offline micro courses to printed finance books."

"Haven't been using English much since I left college," said Chen, who graduated from China's prestigious Tongji University in Shanghai. "I now feel the pressure to pick it up using spare time."

"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."