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"Good road conditions benefit several generations," Niu said.

"For example, more than 600 engineering technical experts were assembled in Shanghai as the first national team of aircraft manufacturers for the development of the Y-10, a four-engine narrow-body jetliner developed from the early 1970s to the mid-1980s," he said.

"Financial institutions should have a countercyclical mindset. When times get tough, they should not simply reduce lending, collect debt in advance or stop lending, for their asset quality will worsen if their clients' risks increase rapidly," he added.

"Having a child has put a lot of strain on the family budget," said Ma Xin, who has a 4-year-old daughter and lives in Dongcheng district of Beijing. Expenditures on the daughter account for nearly half of the couple's monthly salary.

"For that purpose, the bank will concentrate its efforts in sectors such as renewable energy－for example, solar, wind and small hydro electrical plants－energy efficiency, clean transportation, urban mobility, sanitation, and water and waste management," he said.