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Ant Financial is among a handful of companies that carry out social credit rating in the private sector. Higher credit ratings usually confer privileges such as more convenient borrowing at local libraries, waived deposits at some hotels and expedited airport security checks.

Anyone flying drones illegally will be punished in accordance with public security regulations, the authorities have said.

Another area of great interest to Mackerras has been China's ethnic groups, which he has written about extensively. In particular, he has taken a great interest in the Uygurs in Northwest China.

Another Chinese customer Qu Lijun, a student in Germany, recalled her embarrassed moment when she went shopping in a supermarket but forgot to carry her wallet.

Apart from bad loans, 52 percent of bankers surveyed said they will pay close attention to risks associated with local government debt.