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"First of all, I haven't met my Mr. Right. Also, I'm responsible for my own finances - I have to pay my rent and my student loans every month," said Michelle Yu, a recent graduate from the University of Southern California, who just started her first job in a publishing company in Los Angeles. Yu has been single for more than four years.

"For instance, they only post the photo of the illicit wildlife products in the advertisement. We have to stay innovative in order to tackle evolving challenges posed by traders.

"Fintech companies are also tapping into gold-backed products that reach young investors, which effectively popularizes gold－an investment conventionally believed to be a favored investment tool for senior-age investors," said a research note from Sinolink Securities Co.

"For JD to jump into Europe, they will have to capture European consumers and it's not obvious how they can do that," Towson said.

"Foreign firms tend to have extensive international experience and they are strong in business areas such as principal securities trading (where the securities firms use their own capital for capital market investments to realize higher profits), capital and fixed-income, foreign exchange and commodities markets. Their presence will bring more competition and force local securities firms to accelerate development, which will help energize the Chinese market, and boost the regulator's goal to further open the financial industry," Zhang said.