But I think the main problems come from the policy and the finance. But I think the main problems come from policy and finance.

You don't need an article when you're speaking broadly (in this context).

InConcerning policy, we have a one-child policy and a divorce cooling-off period policy. Concerning policy, we have a one-child policy and a divorce cooling-off period policy.

'Concerning' isn't the only word you could put here. You could also say "in regards to," "regarding," etc.

A cooling-off period before divorce, unveiled in a newly released law, means that peothe couple needs to make an appointment at the relevant department before divorce firstlythey can get divorced (because there is a limit on the number of pairs per region) and then have a 30-day cooling-off period before they can actually get divorced. A cooling-off period before divorce, unveiled in a newly released law, means that the couple needs to make an appointment at the relevant department before they can get divorced (because there is a limit on the number of pairs per region) and then have a 30-day cooling-off period before they can actually get divorced.

ItThis increases divorce costs. This increases divorce costs.

And tThe one-child policy, has changed into a two-child policy., The one-child policy has changed into a two-child policy,

Bbut thise policy still affects people's minds. but the policy still affects people's minds.

Better to link it to the previous sentence.

Because of this policy and the Chinese culture of filial piety, it results in young couples needing to support their parents (4 people), as well as their grandparents (8 people), both materially and spiritually. Because of this policy and the Chinese culture of filial piety, young couples need to support their parents (4 people), as well as their grandparents (8 people), both materially and spiritually.