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"China's banking industry is still undergoing critical transformation, where both opportunities and challenges coexist," said Choi, assurance leader of EY financial services in Asia-Pacific.

"China's moves to tighten its credit system are admirably in tune with its efforts to advance reform and opening-up and develop the Belt and Road Initiative with other international partners," said Wang Jun, a researcher at the China Center for International Economic Exchanges.

"Chinese consumers and especially millennials are looking for more than just buying an item off the shelf," ThreeSixty Chief Operating Officer Jan-Eric Kloth said in a statement. "They want to be engaged and entertained."

"Culture-oriented travels are expected to become a new growth point in the next decade. We would like to revitalize the rich and longstanding historical and cultural heritage in China through niche travel products. China has top tourism resources, and we will keep developing and exploring more routes in western China, and attract more foreign travelers to visit those scenic spots."

"Cross-border online shopping will be easier and faster. People will have access to cheaper foreign products after the establishment of the zone. And it is foreseeable that more foreign banks will establish themselves in the FTZ, enabling people to manage their money in diversified ways," he said.