The financing table indicates the balance between households’ “resources”and the use of these resources for a particular year and country. These financing table are a summary “households and non-profit organizations” accounts in all the national accounting system. The “resources” (savings and liability variation) as well as the” uses” variables (housing and financial investments) are divided by households’ disposable income to obtain «ratio”: savings ratio (gross or net), loan to income ratio, housing investment ratio (gross or net)  and financial investment ratio. The sum of the housing investment ratio and the financial investment ratio equals the accrual rate (gross or net, depending on the investment). Finally, concerning “resources”, it usually indicates a clearing variable (“transfers and adjustments”) equivalent to non-recurring items.

European household’s financing table

(6 countries: Germany, Spain, France, Italy, Netherlands and United Kingdom) from 2000 to 2010

Cliquer pour agrandir