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"For deposits, Yu'ebao has appeared; for loans, there are numerous companies such as Ant Financial Service Group and JD.com; for payment, there are Alipay and WeChat Pay; for financing, crowd-funding has already drawn lots of attention; and furthermore, Fintech will overturn the insurance sector in a more 'ferocious' way," Zhu, also chair of the National Institute of Financial Research, Tsinghua University, told participants.

"Graduation is a rite of passage between one stage of life and the next. The support of family and friends is crucial for our graduates. We are glad to see not just parents, but also grandparents present here. That inspires us to continue to bring the event to Beijing," says Hugh Brady, the president of the University of Bristol.

"Going hard and early to stamp out the virus, backed by an effort of 5 million New Zealanders to break the chain of transmission, means together we have helped stop the uncontrolled explosion of COVID-19 in New Zealand," Ardern said.

"For instance, we've witnessed lots of new internet products and applications born in our area," he added.

"Group-buying" offers a product at a considerably reduced price on the condition that a minimum number of customers buy the product.