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La evolución de la propensión marginal a consumir de los hogares españoles entre 2017 y 2022

Author

Listed:
  • Henrique S. Basso

    (Banco de España)

  • Marina Gómez

    (Banco de España)

Abstract

Motivación Desde 2019, el consumo en España ha aumentado menos que la renta y la tasa de ahorro se ha incrementado. Este artículo analiza la evolución de la propensión marginal a consumir de los hogares y su potencial contribución al cambio en la tasa de ahorro. Ideas principales •La propensión marginal al consumo (MPC) se estima en la Encuesta de Competencias Financieras (ECF) y la Encuesta Financiera de las Familias (EFF) mediante la pregunta: «¿Qué proporción de un premio de lotería equivalente a un mes de ingresos gastaría en los siguientes 12 meses?». •En España, la MPC ha caído en los últimos años respecto a los valores previos a la pandemia. Según la EFF, esta caída es notable entre los hogares de mayor renta, quienes alquilan su vivienda y aquellos cuyos activos líquidos han aumentado más. •La tasa de ahorro agregada habría aumentado en cerca de 2 puntos porcentuales entre 2017 y 2022 (equivalente al 50 % del incremento observado durante este período) debido a los cambios estimados en la MPC.

Suggested Citation

  • Henrique S. Basso & Marina Gómez, 2025. "La evolución de la propensión marginal a consumir de los hogares españoles entre 2017 y 2022," Boletín Económico, Banco de España, issue 2025/T2.
    • Handle: RePEc:bde:joures:y:2025:i:02:n:09
    DOI: https://doi.org/10.53479/40005
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    More about this item

    Keywords

    Tasa de ahorro; propensión marginal a consumir; Encuesta Financiera de las Familias; Encuesta de Competencias Financieras;
    All these keywords.

    JEL classification:

    • D11 - Microeconomics - - Household Behavior - - - Consumer Economics: Theory
    • E01 - Macroeconomics and Monetary Economics - - General - - - Measurement and Data on National Income and Product Accounts and Wealth; Environmental Accounts
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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