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"For their judicial protection, we should focus on educating them first with punishment as a supporting approach," he said, adding that they should be tolerated but not spoilt, strictly disciplined but treated with deep love.

"For professional agencies dealing with non-performing assets, the market access could be lower. And we suggested to open the market to foreign institutions to join the trading in bonds in default."

"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.

"Fresh food is the most demanding category in e-commerce, and covers a range of fields including logistics, finance and users operation. But at the same time, it has huge market potential," said Lyu Haoze, an analyst of China E-Commerce Research Center.

"Given the Chinese economy's weight in global growth, if it stabilizes, it will play a very positive role in boosting global trade and growth," said Liang, who is also chairman of the China Silk Road iValley Research Institute.