Causation

Household Self-Insurance and Suppressed Consumption in Post-Lockdown China

In contrast to high-income nations with robust co-insurance schemes, China lacks widespread unemployment benefits or furlough payments. Consequently, during the country's zero-COVID lockdowns, households were forced to rely on self-insurance by drawing down their personal savings. This depletion of savings, coupled with job insecurity, led to cautious consumer behavior once restrictions were lifted. Instead of spending, households prioritized rebuilding their savings, which suppressed consumption and dampened the expected economic rebound.

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Updated 2026-05-02

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