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"First, I had to obtain a tax certificate from the tax department and submit it and other financial statements to the bank for approval. The process took more than one month, but now I can borrow money in minutes by phone after registration," Cheng said.

"Having a passion for the environment and still not seeing the necessary changes that need to be made," he said, "I am doing my best to utilize apps/tech to promote a necessary change and lay the foundation for my future business."

"For small and micro businesses, banks should enhance their guidance on giving loans, in order to solve the problem of information asymmetry," said Ye, who is also a member of the National Committee of the Chinese People's Political Consultative Conference.

"Government departments, including the National Development and Reform Commission and the Ministry of Finance, will issue more supportive policies for PPP financing, to promote the asset trading platform of PPP projects and launch a securitization pilot program," the Ministry of Justice replied on its website.

"Greater tolerance is needed for trial and error in the development and reforms of state-owned enterprises as long as no violation of law or regulation and no unjust enrichment or dereliction of duty is involved," the statement said.