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"Chinese companies have become very active investors in US startups in recent years," Xiang said. "Meanwhile, China's tech products and services, such as Huawei's smartphones, are of good quality. It is different from trade behavior such as dumping uncompetitive products. Such restrictions lessen consumers' choices when purchasing goods."

"Compared with banks, small nonbank financial service providers usually have better understanding of the risks associated with micro and small market entities and are more aware of their real needs," said Bei Duoguang, president of the Chinese Academy of Financial Inclusion at Renmin University of China.

"China's demographic dividend is disappearing," Wang Bin, co-founder and president of the venture and technology-focused media platform iyiou, said during a recent annual innovation conference in Beijing, adding that seniors can be relied upon as a reliable market.

"Chinese mothers who were born after 1990 have become the main consumers of maternal and baby products, and they are more willing to pay for professional and quality-guaranteed products and services. The traditional product-to-store model cannot adapt to the new development trend," said Zhang Yuan, brand representative of D-Cal.

"China's reforms will never stop, and its doors will only open ever wider."