ZhongAn Online Property and Casualty Insurance Co Ltd Chairman Ou Yaping (left) and Chief Executive Officer Chen Jin attend the debut of the company at the Hong Kong Exchanges on Sept 27, 2017. [Photo/Agencies]

A: One of the uniqueness of China's internet finance is that it originated from serving a large number of population who were under-served by traditional finance. This population was so big that Fintech companies crossed their break-even point quickly. I call this the second demographic dividend of China.

Second, China's mobile payment, which is developed, has made and will make lots of Fintech company's business models possible.