A good idea, but I really doubt how long do I need to wait. Some of my friends chose to pursue PHD. However, I am really not that cup of tea. Compared to wait here, I want to be aggressive. Once economics become better, I could be back.
UPDATE:
I got the message from the Chinese bank, they can only provide me 3,000RMB for the first six month as trial period. Then, 5,000RMB.