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1、Insights on Household Savings ofChinese Car Buyers(2025)TengYi Research Institute“Big 3 Burdens”Exacerbate Chinese Car Market InvolutionAuthorsDirector/Chief ALijun ZhouIndustry AYing GaoIndustry ABenya ShiThe current level of intense competition(often termed as“involution”or“juan”in Chinese)in Chin

2、as car market is widely recognized.Aside from calling on relevant authorities to regulate and curb this phenomenon,there is considerable concern about whether it will continue to intensify.Given that household expenditure is a key indicator of current consumer spending capacity in the car market,and

3、 household savings serve as a crucial measure of future consumption potential,this report focuses on household savings as a primary variable.It aims to explore the future consumption prospects of Chinas car market and the evolution of industry“involution;”In the first two decades of this century,Chi

4、nese car buying households had modest savings.This is primarily because the main consumer base in the car market consisted of young buyers,who largely relied on parental support,especially for marriage-related vehicle purchases.In recent years,Chinese car buying household savings steadily increased.

5、In 2024,these households added on average RMB64,000 in savings,an amount sufficient to directly purchase entry-level electric vehicles like the Xing Yuan,Seagull or Bingo.Notably,only 9.19%of households reported no additional savings,while the largest proportion over 25%added savings between RMB50,0

6、00 and RMB100,000,enabling them to afford compact models such as the Qin PLUS,Starship 7 or Lavida.The proportion of households adding more than RMB100,000 in savings experi-enced a significant decline;the share of those that added between RMB100,000 and RMB200,000 dropped to 10.64%,while that of th