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"For the large number of elderly people who are not familiar with them, mobile payments mean great inconvenience," Zhen said, adding that for those living in remote villages or who are less well-off, and where internet coverage is still low, cash remains king.

"Founders of some Japanese companies want to sell their business to Chinese investors as their offspring are not willing to manage and they want us to help them," Ren added, sharing an example.

"For instance, a five-star nursing home should offer adequate medical services and frequently hold recreational activities," he said.

"Four" here means the "Four Comprehensives", or Four-pronged Comprehensive Strategy, namely comprehensively build a moderately society, comprehensively deepen reform, comprehensively promote the nation's governance in accordance with laws, and comprehensively promote stricter governance of the Party.

"HSBC welcomes the changes announced regarding foreign ownership in the financial services sector," said Peter Wong, deputy chairman and CEO at HSBC Holdings Plc.