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"Direct banks are currently facing challenges in further development," said Fei Yiming, an official with the association.

"Even though I didn't get a chance to work on the high-speed trains, I've found that the crowd on ordinary trains during chunyun has declined greatly," he said. "More passengers prefer the faster way. The time between Jilin city and Dalian in Liaoning province - the route that I worked on - has been cut from 12 to four hours."

"Deglobalization sounds good until you need to design a product in a competitive marketplace," the report said, adding that globalization happens because it creates value and broadens a corporation's capabilities.

"Establishing an asset management subsidiary will prevent risks arising from the asset management business from spreading to the parent bank," said Zeng Gang, director of banking research at the Chinese Academy of Social Sciences' Institute of Finance and Banking. He said investors will now only be able to hold the parent bank financially responsible for losses equal to the extent of its investment in the subsidiary, rather than the full extent of any losses, as had been expected previously.

"During the past week, warm air was very active, which caused a continuous temperature rise in central and eastern parts of China. However, as warm air moved northward, it met with the cold air in the central Siberian region on Thursday night, causing heavy rain and snow to occur," he said.