I imagine if they ever actually do the communism thing they keep promising, you'll be on the chopping block since you'd be a capitalist by definition, and not even the useful kind (that starts a company that rakes in money from abroad).

1% monthly is also a craaaazy high rate. Guaranteed not to last for the rest of time. A tenth of that is manageable and should carry your immediate family in a low cost of living part of China no problem, allowing you to keep withdrawing when times are tough.