← Back to Intelligence Dashboard
China
23
Low
Risk
Risk
#153
of 171
Safer
than 11% of currencies
36
global avg score
$997
$1,000 in 5 years
Impact on Citizens
Citizens need modest returns of 1.6% per year to keep up. Inflation is low — a basic savings account or index fund is enough to stay ahead.See savings calculator ↓
Economic Indicators
Inflation Rate
0.1%
Debt to GDP
Not available
GDP Growth
5.0%
Broad Money / GDP
227.7%
Banking & Stability
NPL Ratio
1.5%
Reserve Months
11.9
Current Account
3.8%
FX Volatility
14.6
Governance & Markets
Rule of Law
-0.2
Black Market Premium
3.0%
Capital Controls
40.3
Peg Fragility
Not available
Currency Structure
Global Currency Role
49.0
Reserve Status
3%
FX Regime
managed float
Data Coverage
83.0%
Savings Impact Calculator
¥
Holding cash in CNY0.1% inflation
¥997−¥3 (0% purchasing power lost)
Your ¥1,000 buys 0% less in 5 years
What if you invested ¥1,000 instead? (5yr, in CNY terms)
Hold USD Cash
¥859
−¥141
-3.0%/yr net in CNY
S&P 500
¥1611
+¥611
range: ¥734–¥3176
10% USD return + 0.0% FX · ±16% vol
Gold
¥1469
+¥469
range: ¥418–¥4007
8% USD return + 0.0% FX · ±24% vol
Bitcoin
¥3052
+¥2052
range: ¥180–¥18.4k
25% USD return + 0.0% FX · ±54% vol
All values in CNY. USD-denominated assets (S&P 500, Gold, Bitcoin) include an estimated FX gain of ~0.0%/yr based on the inflation differential between China (0.1%) and the US (~3%). This uses purchasing power parity as a long-run approximation — actual FX movements can differ significantly in the short term. S&P 500 based on 1957-2024, Gold on 2000-2024, Bitcoin on 2015-2024. Past performance does not guarantee future results. Not financial advice.
Data last updated: 2026-10-02