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"China's overall financial conditions have remained broadly stable," said the IMF October 2018 Global Financial Stability Report, although deleveraging has also led to tighter financial regulation and less favorable credit conditions for weaker borrowers.

"Chinese consumers are becoming increasingly sophisticated. It is an opportunity that we can not afford to miss out on," she said.

"Chinese people have benefited a lot from the reform and opening-up, but they should not rest on the laurels of 40 years ago. Rather, they should work even harder to face new challenges," said Jin.

"Countries and regions need to strengthen cooperation to together plug the funding gap by leveraging additional funding from various sources, from both government-led and private sources," according to Zhou.

"China's fast growing 5G technology infrastructure, artificial intelligence, machine learning and digital-related business environment, as well as people's willingness to connect with various products via digital applications, are creating many opportunities," said Sun Fuquan, a researcher at the Beijing-based Chinese Academy of Science and Technology for Development.