Jason Bedford is a veteran analyst of China’s financial system with over two decades of experience. He spent ten years in Beijing in auditing and financial analysis roles at KPMG before joining UBS in Hong Kong, where he led research into China’s shadow banking and banking sector. During that time he correctly anticipated the wave of bank failures that began in 2019. In this lightly edited Q&A, we discuss the role of the state in China’s banking system, its strengths, and its key vulne
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