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GDP代表性地衡量一个地区的经济实力和发展水平,直接影响区域金融资产的数量和质量。城乡居民存款余额指标直接体现居民生活水平的高低,由于金融机构存款余额包含了城乡居民存款余额,因此该指标也反映区域金融资产数量。本文以南宁市为例,通过对1985～2009年的GDP与城乡居民储蓄余额关联度进行实证研究,得出两者存在长期协整关系和单向因果关系的结论,并在分析的基础上给出相关建议。
GDP, a measure of a region’s economic strength and level of development, directly affects the quantity and quality of regional financial assets. The indicator for deposit balance of urban and rural residents directly reflects the living standards of residents. Since the deposit balance of financial institutions includes the balance of deposits with urban and rural residents, the index also reflects the number of regional financial assets. This paper, taking Nanning as an example, makes an empirical study on the correlation between GDP and urban and rural residents’ savings balance from 1985 to 2009, concludes that there exists long-term co-integration and one-way causality between the two, and on the basis of the analysis, Relevant suggestions.