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Another reader, Qi Guoping, the head of the China Industry News' bureau in Ningxia back then, helped Ma to start contributing her writing to magazines.

Apart from the supply side, demand side sectors including car sales, rent and after-sale services also face downturn pressure.

Any presidency is always in a struggle to retain influence and credibility. Why would you inflict that on yourself? When you can’t answer something, or you don’t have a good answer to give, you say, “I [won’t] take that question,” or, “I don’t have an answer for you.” You don’t lie. There doesn’t seem to be that standard today.

Another Chinese customer Qu Lijun, a student in Germany, recalled her embarrassed moment when she went shopping in a supermarket but forgot to carry her wallet.

Apart from strengthening an industry-wide credit information sharing, regulators should also guide consumer finance institutions to tighten credit risk management and expand their business based on real consumption scenarios, the NIFD report said.