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"Consumers buy things at lower prices, but they may not use them," said Zhang Lu, an intern of Xiamen Construction and Development Corporation. "It's hard to say whether they save money or not."

"China's overall financial conditions have remained broadly stable," said the IMF October 2018 Global Financial Stability Report, although deleveraging has also led to tighter financial regulation and less favorable credit conditions for weaker borrowers.

"Cultural courses can support my study in religion. Specifically, math can help me cultivate better logical thinking, which is very helpful for my dharma debating course," he said.

"Companies in China have stepped up CSR efforts in recent years, but there also is room for further improvement," Zhong said.

"Compared with the traditional financial sector, fintech talents should have not only solid financial professional background, but also flexible and innovative thinking," said Zheng Xia, assistant general manager of Ping An Securities.