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"Future guidelines, with details of debt approval procedures and penalties for market participants violating rules, are expected to plug financing loopholes and ward off potential risks," said an official with the National Development and Reform Commission. He said that the current rules seek to just warn violators, rather than taking any action like blacklisting.

"For micro-startups like us, we lack everything in hardware and software facilities when operating a business, such as working space, employees and human resources support," Shen said. "The incubation park offers us a variety of services to nurture the company's growth." About two years ago, he rented one room as an office for three employees.

"For a multinational, it is of great importance to learn the latest changes in local markets and the demands from local consumers, and then send the information to headquarters and mobilize resources, in order to support the needs of local markets," Fu said.

"For the first month, I was getting up at like 5 am every single day to prepare my lessons," he says.

"For COVID-19, this is especially pertinent," Ho said, noting that in addition to many uncertainties about the virus, the impact goes beyond the disruption to normal life, both financially and socially. As a sudden and stressful event, more acute reactions are associated with the pandemic than with general mental health issues, Ho said.