Une nouvelle vision des comportements des ménages

André Babeau and Françoise Charpin

Revue d'économie financière, 2013, vol. N° 110, issue 2, 245-260

Abstract: Despite the broad range of motivations of household saving which were alternately mentioned during a period of more than two centuries, one was constantly ignored: the loan repayment. The explanation for such an omission is simple: the lack of information on the amount of these repayments. A particularly serious gap in our knowledge at a time where household liability has become so large in many developed countries. The available financial statistics allow nevertheless estimations of these repayments over the period 2004-2011 for five euro area countries and the euro area itself. In France, these repayments could amount to nearly two-fifths of the current household saving of national accounts. This proportion probably varies strongly from one country to another and could have a significant influence on the level of saving rates, a factor never taken into account in international comparisons. Classification JEL: C80, D10, R20.

JEL-codes: C80 D10 R20 (search for similar items in EconPapers)
Date: 2013
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