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"China's regulation on the administration of savings has stipulated only banks and credit cooperatives can handle savings-related business. Internet platforms, which largely market these products through massive online traffic, are not technically eligible for such services," said Dong Ximiao, chief researcher at Merchants Union Consumer Finance Co Ltd.

"Cooking is my way to deal with loneliness," he says. Since March, he only has a dog for company.

"Chinese courts have taken steps against defaulters in recent years, including imposing restrictions in their daily lives to push verdict implementation. Among the measures, punishment has never been absent," Meng Xiang, head of the Supreme People's Court's enforcement bureau, told a news conference in Beijing.

"Clearly the first swap is a small amount, compared with the potential issuance of perpetual bonds that could be more than 1.08 trillion yuan as we estimated," said Jiang Chao, an economist with Haitong Securities, an A-share listed brokerage. "That could support credit growth of 6.82 trillion yuan."

"Chinese consumer tastes are fundamentally different from (those of) other audiences. What sells well in China, usually only works there," Hou pointed out.