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"For digital lenders, such advances open up a blue ocean with a long tail of around 600 million Chinese borrowers who were traditionally considered below-prime and too risky to lend to," said Cliff Sheng, Oliver Wyman partner and author of the report.

"For B&B operators, the key to success amid fierce competition is to make the property a livable and attractive place," said Dai Bin of the China Tourism Academy in a forum.

"For example, our senior middle school Chinese teaching team has selected 22 teachers this semester to be involved in the recording. A group of teaching researchers from the city and district levels are also involved in helping prepare, record, and check the lessons."

"For us, we must emphasize both retail shops and online sales. Our efficiency is greatly improved and costs greatly reduced by taking advantage of online livestreaming tools," he said.

"Financial opening-up should never stop," he said.