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Apart from small and micro-businesses, agriculture and rural residents are also key targets for inclusive finance, said Wang Shuguang, a professor at the School of Economics at Peking University. Many counties don't have a structured financial system and innovation should be encouraged to coordinate all financial resources to lead more private capital to rural areas as a way to promote inclusive finance, he said.

Another one said: "I think visiting the parlor alone at night would help you experience death better."

Apart from Red, US-based tech behemoth Amazon is luring an increasing number of Chinese buyers to buy foreign products. Its Amazon Global Store covers top destinations of outbound Chinese consumers, including the United States, the United Kingdom, Japan and Germany.

Ant Financial, Alibaba's financial arm, has even brought its technological prowess and business model to India, helping to incubate the indigenous digital wallet Paytm, which draws experience from Alipay, its Chinese equivalent.

Ant Financial Services Group has invited some younger residents to address their pension options through its wealth management service, just one week after the country's target-date retirement funds received the green light from securities regulators.