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"Communication is better than confrontation," she said.

"China will enter a new developmental phase and will use new ideas to create new opportunities that can further facilitate a more open dual circulation," he said.

"Chinese banks should ensure that foreign investors can freely remit yuan-denominated returns from profits and stock dividends," it said. The move will encourage foreigners to use the Chinese currency for direct investments into the country, it said.

"Commercial banks, whether big or small, are not familiar with customer acquisition on the internet or using alternative data provided by third-party service providers to conduct credit investigations. Under the circumstances, fintech companies will serve as necessary enablers for banks," said Victor Li, executive vice-president of Pintec, a Beijing-based fintech total solutions provider.

"Congenital heart disease remains a common birth defect in China," said Zhao. "But its timely detection has been difficult for many county-level doctors, who lack proficient training in this area."