Retail investors lose life savings as record defaults hit China’s $1 trillion local debt market

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Retail investors struggle to get repaid despite state support.

BEIJING - Ms Lulu Fang, the owner of a small trading company, said she lost her life savings of 15 million yuan when she bought so-called trust products tied to Guizhou province in the south-west of China.

Defaults in an opaque corner of China’s local debt market have surged to a record high, ensnaring investors who had assumed the securities had an implicit guarantee from the state. In the first nine months of 2024, 60 non-standard products tied to LGFVs defaulted or warned of repayment risks, up 20 per cent from the same period in 2023, according to data compiled by Financial China Information and Technology. The figure was the highest since at least 2019, the data showed.

“Although China has introduced a series of policies to address LGFV debts, the policies need to ensure the repayment of LGFVs’ public bonds as they are part of the capital market,” said Ms Laura Li, a managing director at S&P Global Ratings. “Should they default, it will endanger financial stability and social stability.”

“The new plan’s impact on the non-standard market will depend on the actual scale of policy support and how such resources can be allocated among different regions and entities.”

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