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"Generally speaking, technologies such as big data will help to promote the development of microfinancing. By definition, they will be excluded from many financial products and services due to a lack of (credit) information about them, so bringing different kinds of information about them is very helpful," Morduch said.

"Good credit helps me make a good fortune," said Fang Hengtian, another villager in the county, who earned 70,000 yuan in 2019 by planting traditional Chinese medicinal herbs such as gastrodia elata thanks to the loans granted through the credit rating system.

"For sellers, the average price is not rising as fast as it used to. Sellers would think they might yield higher returns when the price grows further," said Yang.

"Given the sheer size of China's economy, a dip in growth rate is no cause for heightened worries over the stable economic trajectory," Zhang said, adding that doomsayers targeting China's economy should pay more attention to the quality of growth and how the nation stands at the forefront of the new round of technological revolution.

"Fujian's pilot FTZ covers areas in capital city Fuzhou and economic hub Xiamen city. That helps create a synergistic effect for both cities' development. The tie-up will also help the FTZ become a coastal base of China's opening up."