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"Companies like Ant Financial and Ziroom are introducing personal credit scores in the house-leasing business. This will create a new mechanism and a regulation system in the market," Yan said.

"Compared with the United States, auto financing in China is still relatively underdeveloped," said Winston Xue, general manager of financial services at J.D. Power China.

"China's adaptations to its welfare system have been researched across the world for over 40 years, its plans have been tested and developed and now its implementation is constantly assessed and alterations are made," Perry said. "China will have the best systems of development and government because its testing is constant and open-minded."

"China's car sector is yet to reach its peak, so it is normal to see some fluctuations as it evolves," said Ye.

"China urges the US to respect the authority of the multilateral trading system and revoke the decision as soon as possible,"