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"For example, a luxury-brand handbag will be costly, but a lipstick from the same brand would be much more affordable to consumers," Zhen said.

"Generally, there are still some hard nuts to crack for us," he said.

"For small and micro businesses, banks should enhance their guidance on giving loans, in order to solve the problem of information asymmetry," said Ye, who is also a member of the National Committee of the Chinese People's Political Consultative Conference.

"Given that capital demand rises every Spring Festival and tax payments will follow, interest rate will go up accordingly," said Ming Ming, chief analyst for fixed income at Citic Securities.

"Globally, as well as in China, a key bellwether, smartphone consumers are trading up to more premium devices, but there are no longer as many new smartphone converts, resulting in shipments dropping," said Melissa Chau, associate research director with IDC's Worldwide Mobile Device Trackers.