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"Finally, I don't have to use the tire chains any more," He said.

"From the perspective of direct banks themselves, meanwhile, they don't have a clear strategic positioning, which results in overlapping of business with traditional banks."

"Foreign investors are also gradually quitting labor-intensive industries and shifting to services and technology-intensive industries in China," he said.

"For all foreign financial institutions in China, the world's second-largest credit market is definitely appealing and will inspire a wider array of cooperative models and tailored products among domestic and local players," Lai said.

"Frankly, I would rather have fewer models but higher volumes per model, than having a lot of models but not enough volume to support the scale."