Women in China aren't having kids. We asked 3 of them to tell us why.

• China wants its women to have more babies to stave off a demographic crisis.
• But ditching its controversial one-child policy hasn't resulted in a baby boom.
• Business Insider spoke to three Chinese women about kids — and why they don't want them.

When it comes to settling down and having children, 26-year-old Bihan Chen views the choice in simple terms: It's a bad investment.

"Let's face it, having a child is like owning an investment with no guaranteed return for at least 18 years," Chen, a Chinese venture capital analyst, told Business Insider.