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"Globally, the incidence of sleep disorders is rising," he said. "In China, about 30 percent of the population has sleep disorders, while around 10 percent frequently experience insomnia."

"For those already in the fintech industry, China offers great potential. And for those in banking and financial services - or with relevant technology skills - now is a good time to consider what your career could be in the fintech industry," Lance said.

"From what I know, there is a huge demand among the Chinese and also Indians to get the H-1B visas. But it looks likely that the changes will cut out temp agencies and favor larger companies like Microsoft. Smaller businesses may be shut out because they may want to hire someone who does not have an advanced degree.

"For thousands of years, China's rural communities were built on the special connections between acquaintances. For many rural residents, the opinions of a neighbor, a senior villager, or a generally acknowledged gentleman matter as much as the law or the orders from the government. Therefore, financial credit in rural regions could be re-evaluated through the system," said Pang.

"For example, we need to consider how best to gain the trust of the international community and make litigants willing to file their disputes with Chinese courts," he said.