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"Cooperation takes time. A good ground for cooperation is a level of transparency with the other companies and businesses," Honighaus said.

"China's rate of account ownership - a basic metric of financial inclusion - is on par with that of other G20 countries," it said.

"Continued investment in user engagement, especially through social commerce content, contributed to our strong gains in annual active consumers," said CEO Daniel Zhang in a statement.

"Credit and TSF growth were moderate," the official said, adding that off-balance sheet financing has been falling due to strengthened regulation and de-leveraging policies.

"Chinese consumers have awareness that milk is good for their health, but the public doesn't know how to correctly eat dairy products, and more importantly, they haven't formed the habit. The task of improving national health literacy is still arduous," said Wu Qiulin, director-general of the CDIA.