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"Companies in China are in a phase of transition from a more mature product business to an increasingly innovative one," he said.

"China will keep improving the market-oriented foreign exchange regime and maintain flexibility of the yuan exchange rate, generally at a reasonable and stable equilibrium this year," said Wang Chunying, spokeswoman of the State Administration of Foreign Exchange, the country's foreign exchange regulator.

"China's opening-up has entered a new stage, for which the Yangtze River Delta region should play a key role," he said.

"Competitive design and technologies are just the beginning," Dubroeucq said. "The major challenge stays to win market trust from their safe, reliable and efficient operation."

"Compared with large State-owned commercial banks and national joint-stock commercial lenders, city and rural commercial banks, also known as small and medium-sized banks, are weaker in terms of the capital adequacy ratio. They also demonstrated significant regional differences in their interim results. Some of them are financially stable, whereas some are facing major risk exposures," said Michael Hu, PwC China financial services partner.