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"Given that capital demand rises every Spring Festival and tax payments will follow, interest rate will go up accordingly," said Ming Ming, chief analyst for fixed income at Citic Securities.

"Grandma Pan is very strict with our homework and we are all a bit scared of her," Munisar said. "But I know she wants the best for us. I gave my cherries to her just to let her know that I am grateful."

"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."

"For the China-US market, we have not seen any significant changes in the booking patterns, but we are always observing the situation. China continues to be an important market for Delta's long-term growth," Wong said.

"For instance, we have specialized funds for the lithiumion fueled energy industry, which has achieved an average annual growth rate of 144 percent since 2008," Zhang said.