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"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."

"Financial conditions, welfare, social life and employment can all affect the desire to have children," said Dong Yuzheng, head of the Guangdong Academy of Population Development.

"From our observations and communication with would-be parents, we found that males, who are often reluctant to quit smoking, express stronger desire to cut down on tobacco use for the sake of their children," said Yang Ying, who was involved in the study as an associate research fellow at the institute.

"Fraudsters seize every opportunity to con their victims, and people should improve their awareness to guard against being taken in by scams," he said.

"Government departments must be open-minded. Approval procedures are necessary, but they are not a panacea, especially in terms of compliance oversight. We should keep working on the application of the principle, which is that the responsibility for oversight rests with those who issue the approval and those who are in charge," Li said.