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"Consistency is likely to be another issue," Hua said. "UnionPay would need to be as readily accepted as Mastercard and Visa. It may take a long time to achieve this, particularly among small businesses."

"China's automobile service sector is at an important turning point, and new consumer market opportunities and new consumer powers are taking shape. In the past three years, we have been striving to build the infrastructure to suit the new market, formulate new product and service standards, and realize industrial restructuring and upgrades in the form of New Retail."

"China's financial sector de-risking accelerated with a wide range of decisive measures adopted; credit growth slowed; overcapacity reduction progressed; anti-pollution efforts intensified; and opening up continued," according to a statement issued by James Daniel, assistant director of the Asia and Pacific Department of the International Monetary Fund (IMF), after the IMF annual Article IV review of the Chinese economy.

"China should stick to its established goal of further opening-up in a timely manner," he said, adding that a higher level of opening-up will effectively promote trade and investment and facilitate further economic integration between the world's two largest economies.

"Chinese customers have embraced buying big-ticket items online because it circumvents hours spent at a physical dealership negotiating with sales staff," said Qi Xiaozhai, a senior business consultant for the Shanghai Municipal Commission of Commerce. "It has made prices transparent and traceable."