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"Financial regulators' tolerance of higher NPL ratios for SME loans will also motivate commercial banks' lending," he added. "The challenge is how to precisely assess SMEs' financial risks and to prevent fraud based on limited information. Utilization of big data and advanced technology such as AI may be the key."

"For instance, we urgently need a rule to regulate the protection of cross-border data," he added.

"Greenhouse gas concentrations－which are already at their highest levels in three million years－have continued to rise," said Petteri Taalas, the WMO's secretary-general. "This report shows that while many aspects of our lives have been disrupted in 2020, climate change has continued unabated."

"From implementing the new environmental protection law to dispatching central inspectors to check pollution, and now collecting the tax, China has quickened its steps in environmental protection," said Zhang Zitai, a law professor in Fudan University.

"From recent seizures of assault rifles, handguns and ammunition, and materials for bomb-making, it seems that our community is being dragged into an era of terrorism," it said.