Household deposits refer to household savings deposits absorbed by banking financial institutions through credit and deposits dominated by the household sector absorbed by other means. What are the characteristics of the regional distribution of household deposits? Recently, local statistical departments successively announced the household deposit balance at the end of 2021 in each city. According to the data, the balance of household deposits in 14 cities in China has exceeded 1 trillion yuan. According to the statistics of Beijing and Shanghai, the balance of household deposits exceeded 4 trillion yuan. The 14 cities with household deposits exceeding 1 trillion yuan were Beijing, Shanghai, Guangzhou, Chongqing, Shenzhen, Chengdu, Tianjin, Hangzhou, Suzhou, Xi'an, Wuhan, Shenyang, Nanjing and Foshan. Among them, the balance of household deposits in Beijing and Shanghai both exceeded 4 trillion yuan, ranking far ahead of the rest of the country. The second place in Shanghai was 1.8 trillion yuan more than the third place in Guangzhou. Niu Fengrui, a researcher at the Urban Development and Environment Research Center of the Chinese Academy of Social Sciences, told our reporter: "The main reason why the balance of deposits of Beijing and Shanghai residents is higher than that of other cities is that the scale of Beijing and Shanghai residents is large, and the scale of high-income groups is large." Beijing and Shanghai are two mega cities in China, each with a population of more than 20 million. According to the data of the National Bureau of Statistics, the three industries with the highest average annual wages among urban non private employers are information transmission, software and information technology services, scientific research and technology services, and finance. Beijing and Shanghai are the most concentrated areas in these high-income industries, with many high paid jobs. After Beijing and Shanghai, there is little difference between cities in other provinces. Guangzhou, Chongqing and Shenzhen all exceeded 2 trillion yuan, and Chengdu ranked sixth with 1.9 trillion yuan. Guangzhou, the third place, was 911 billion yuan more than Chongqing, the fourth place, and Shenzhen, the fifth place, was 140.6 billion yuan less than Chongqing. It is worth noting that this "trillion" list includes many northern cities. At the same time, the balance of household deposits in Shijiazhuang and Zhengzhou exceeded 980 billion yuan, close to the trillion yuan barrier. In terms of per capita deposits, Beijing, Taiyuan, Shenyang, Tianjin, Dalian and other northern cities also rank first. A high per capita deposit does not mean a high per capita wealth. Niu Fengrui said that the residents' wealth in the developed southeast coastal areas is reflected in many aspects. For example, due to the strong investment atmosphere in the developed southeast coastal areas, there are generally more financial assets. The house price in the southeast coast is high, and the capital consumed is also large. In addition, per capita deposits are related to the investment preference of residents. For example, the proportion of people who prefer deposits is relatively large, and per capita deposits are relatively high. What factors do urban GDP and urbanization speed affect household deposits? It is reported that the balance of household deposits is one of the manifestations of the difference between income and expenditure, and residents' investment preferences affect the balance of household deposits. In addition, indicators such as urban economic aggregate and urbanization rate also affect the household deposit balance of a city. It is closely related to the total economic output of cities - in the "trillion" list, the total economic output of cities on the list is also among the top in the country. Shanghai, Beijing, Shenzhen, Guangzhou, Chongqing, Suzhou, Chengdu, Hangzhou, Wuhan and Nanjing rank among the top ten cities in China's GDP by 2021, and the household deposit balance of 8 cities by the end of 2021 also ranks among the top ten in China. It can be seen that