Cash-trapped (part 2): drowning in debt

债务深渊

Drum Tower

2025-08-12

36 分钟
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单集简介 ...

China may be a nation of savers, but it is becoming a nation of spenders, too. In the past decade many middle-class Chinese have grown accustomed to borrowing money for everything from property to basic expenses. As a result, household debt is soaring and millions of people are defaulting on their loans.  In the second episode of a two-part series, we're asking Chinese families, young professionals and business owners about their money troubles. This week, Jiehao Chen, The Economist's China researcher, and James Miles, our China writer-at-large, explore why so many Chinese people are struggling with their repayments. Transcripts of our podcasts are available via economist.com/podcasts. Listen to what matters most, from global politics and business to science and technology—subscribe to Economist Podcasts+. 
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单集文稿 ...

  • The Economists.

  • While China remains a nation of big savers, a growing number of people are cash-trapped,

  • and the government's policy to boost consumption has been met with little enthusiasm.

  • Last week on Drum Tower, we looked at how the savings of many middle-class Chinese

  • are now trapped in China's moribund housing market.

  • Today, we turn to the other side of the ledger, debt.

  • We'll meet people, many of whom seem successful,

  • who are nonetheless struggling to keep up with repayments.

  • I'm Jiehao Chen, The Economist China researcher and Drum Tower producer.

  • This week, I'm joined by James Miles, our China writer-at-large,

  • and we're asking, why are so many Chinese people drowning in debt?

  • This is Drum Tower from The Economists.

  • Hey James, welcome back to Drum Tower!

  • Hi Jiehao, I'm joining you from my home studio today,

  • James, I know you were first posted to China in the 80s.

  • How would you describe the attitude towards money back then?

  • Well, basically, there really wasn't much of it back then.

  • The economy from top to bottom, basically was run by the government.

  • There were hardly any private enterprises in the cities.

  • Most people worked for the state, whether in state-owned factories, the civil service, other public sector jobs.