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Another key factor is the central government's approach to use consumption to wean the economy away from a heavy reliance on investments and exports.

Apart from the efforts made by banks and financial regulators, central and local governments should also launch policies to further cut company taxes and fees and reduce rental costs. These tax and fiscal policy measures may be more effective in alleviating the difficulties faced by small businesses, said Lian.

Another key part of the positive psychology literature is called "grit", which means the ability to do the work needed to reach a goal, to stick with it, to not give up. Angela Lee Duckworth, a Chinese-American psychology professor, also at the University of Pennsylvania, developed a test for grit. She found a technique called "growth mindset", which shows struggling students that they can build their mental capacities by focusing on special areas where they are having difficulties. Just letting students know that they can improve makes a big difference in their attitudes, Duckworth says.

Anwar Abu Sbaitan, senior executive officer of Kuwait-based asset management firm Kamco, said that the UAE and Saudi Arabia represent 75 percent of the GDP in the GCC countries, hence foreign banks have to run a presence here to bank on the region's prospects.

Apart from learning the Chinese language at the Confucius Institute, Matto said he also learns the language by listening to audios that he downloads from the internet.