Income, consumption, saving and wealth by category of households in 2003Annual national accounts - base 2005
Warning: the results of the survey below refer to the base 2005 of the national accounts. They are meant to be compared with the results of the 2012 provisional account - 2010 finalized account campaign available in the archives of the "National accounts - Public finances" topic.
Income, consumption and saving by category of households in 2003Annual national accounts - base 2005
Gross disposable income, final consumption expenditure and saving of "ordinary" households for the year 2003 are broken down according to four criteria : standard of living quintile, household composition, age of the head of the household and professional category of the head of the household.
The participation of Insee to an international expert group led by OECD and Eurostat to measure disparities between households in a national account framework, has led to the introduction of new criteria : the main source of income and household type classification. In addition, the criteria "Size of the urban unit of residence of the household" is introduced to have a geographic dimension.
The gross disposable income includes income from economic activity (compensation of employees; profits of self-employed business owners), property income excluding unrealized and realized capital gains (dividends, interests, and rents), transfers (notably insurance benefits net of premiums paid) and social benefits (retirement pensions, unemployment benefits, family allowances, basic income support, etc.). From those incomes, are substracted taxes (mainly income tax, occupancy tax and two levies on taxable income earmarked for social-insurance funds : the Contribution Sociale Généralisée [CSG] and the Contribution au Remboursement de la Dette Sociale [CRDS]) and social contributions.
Income flows designated as "private transfers", have been taken into account for they are not uniformly distributed among households. They consist solely of transfers in cash. Transfers in kind have been excluded of these "private transfers", as well as inheritances and gifts.
Households consumption expenditure comprises expenditures funded directly by households. It does not include the share of health, education, and housing expenditures financed by the general government (analysed in the item "Social transfers in kind, adjusted disposable income and actual final consumption of households in 2003"). On the other hand, it includes imputed rents, that is to say the housing service provided to themselves by the owner-occupier households. Their income and consumption are accordingly increased by imputed rents, which are defined as the rents that would be charged in the private rental sector for dwellings with similar characteristics.
The share of disposable income not used for consumption expenditure constitutes the saving. The saving ratio is households saving divided by gross disposable income.
The breakdown of the income, consumption and saving by category of households was carried out using several INSEE surveys relating to the households. These surveys refer only to the ordinary households resident in the french mainland. The resulting tables by category of households thus correspond to this scope. An additional table offers supplementary references on the field of the national accounts which includes the persons living in the overseas departments and the persons living in collective households.
Income, consumption and saving by category of "ordinary" households in 2003
References on the whole of the field of the national accounting for 2003
The average income, consumption, saving and wealth of the households are essential statistical data, in order to analyse the standards of living of the inhabitants of a country and in order to draw comparisons between various countries. However, these data must be enriched by information on their distribution, in order to apprehend the disparities between households and to bring closer macroeconomic and microeconomic measures of the same aggregates.
In the survey concerning the "Income, consumption, saving and wealth by category of households in 2003", four criteria of distinction between the households were at first selected to study these disparities : the standard of living (measured by the quintiles of gross disposable income per consumption unit), the household composition, the age of the head of the household and the socio-professional category of the head of the household. The disposable income, the consumption expenditure and the saving ratio of the year 2003 can thus be compared for the different categories of households.
The current release takes into account new criteria : the main source of income, the household type classification and the size of the urban unit of residence of the household. These results have been established within the framework of the OECD-Eurostat expert group to measure disparities between households in a national account framework.
These results follow the recommendations of the Stiglitz Commission on "The Measurement of Economic Performance and Social Progress". The Stiglitz Commission suggested to give more prominence to the distribution of income, consumption and wealth in the analysis of the material well-being of the households. It also recommended that households income and consumption measure should include goods and services in kind provided by general government units and NPISH.