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"But public housing is not the best answer to deal with housing problems after construction," Yan said. "The government may introduce programs allowing tenants to first rent and then purchase, but at low prices."

"But since I took it up as a profession, I began to feel more pressure that also made me come up with more ideas."

"But taking the long view, fintech companies in general have great potential for development, as they represent new technologies and new business models," he added.

"By the end of last year, total assets of central SOEs amounted to 54.5 trillion yuan (.23 trillion), and their average debt ratio was 66.3 percent, down 0.4 percent on a yearly basis," he said.

"China for us is a relatively small part of our business so it really represents a significant opportunity. What we're working on is how to unlock that opportunity for us. So we saw a drop in the Chinese market for the first time in 30 years, something like that, last year. This year, I think they're going to be flat and they'll still be number one in the world," he said.