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"Financial regulators' tolerance of higher NPL ratios for SME loans will also motivate commercial banks' lending," he added. "The challenge is how to precisely assess SMEs' financial risks and to prevent fraud based on limited information. Utilization of big data and advanced technology such as AI may be the key."

"Flexibility in this year's specific timing and pace of rolling out the reform can be expected, given the lingering uncertainty of the virus," said Liu Wenqiang, a researcher with Shenzhen-based Great Wall Securities.

"For each mu (0.06 hectares) of earthworms, we can get a production value of about 30,000 yuan (,320), which is even more profitable than growing vegetables," Wang said.

"Going forward, China will continue to deepen the opening-up in services trade by accelerating the setup of platforms for incubating (startups) and innovative development trial centers, the construction of comprehensive demonstration zones for the opening up of the services sector, the expansion of services export bases, and the development of emerging trade in services like digital trade," Xian said.

"Hailed as Asia's premier international financial hub, Hong Kong is strategically positioned as the natural gateway linking our mainland to the world. The program is another major move that uses the Hong Kong platform to strengthen the connectivity between mainland and global capital markets."