China - payment problems

What could be the probable way of seeing problems in financial system in China?

People are using more and more 3rd party, out of bank, payment systems. Banks are running out of liquidity and therefore increase the pressure on the government to stop 3rd party payment systems. As the only real number on the banks balance sheet is the amount of the cash any bank in any given time has on its accounts.

System would prepare for financial meltdown from inside.