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Patrimoine des ménages : permanences et transformations

Listed author(s):
  • Philippe l'Hardy
  • Alain Turc
Registered author(s):

    [fre] Au début de l'année 1973, l'INSEE a réalisé la troisième enquête auprès des ménages sur leur situation patrimoniale et leur comportement d'épargne. Contrairement aux enquêtes précédentes (effectuées en 1967 et 1969) qui concernaient seulement les salariés et les inactifs, celle de 1973 porte sur l'ensemble des ménages et en particulier sur les actifs indépendants (agriculteurs exploitants, patrons de l'industrie et du commerce, professions libérales). Ainsi l'évolution des patrimoines de 1966 à 1972 présenterait les caractéristiques suivantes : La diffusion de tous les types d'actifs (logements, comptes de chèques, caisses d'épargne, titres...) progresse, mais les comptes de chèques bancaires connaissent un développement spectaculaire; La structure des patrimoines se modifie : les ménages préférant de plus en plus l'épargne liquide aux placements (bons, actions, obligations) et, semble-t-il, à l'achat de logements; Inégalités, dispersion et concentration du patrimoine ne connaissent pas de grand changement entre 1966 et 1972. Parmi les nombreuses hypothèses avancées pour expliquer les disparités dans les situations patrimoniales, « l'acquis familial » semblerait déterminant. [spa] Patrimonios familiares : estabilidad y cambios - A comienzos de 1973, el INSEE, realize la tercera encuesta de hogares, sobre su situación patrimonial y su comportamiento con respecto al ahorro. Contrariamente a las encuestas anteriores (efectuadas en 1967 y 1969) que abarcaban solamente asalariados e inactivos, esta de 1973 cobija el conjunto de hogares y en particular los activos independientes (agricultures explotadores, patrones de la industria y del comercio, facultatives). Así, la evolución patrimonial entre 1966 y 1972 presentarla las siguientes caracteristicas : • La extension de toda clase de activos (viviendas, cuentas corrientes, cajas de ahorro, titulos...) progresa, revelando las cuentas corrientes bancarias un desarrollo considerable; • La estructura de los patrimonios se modifica : los hogares prefieren, cada dia mas, el ahorro liquido en perjuicio de bonos, acciones, obligaciones, y al parecer, de las adquisiciones de viviendas; • Las desigualdades, dispersion y concentración del patrimonio no experimentaron grandes cambios entre 1966 y 1972. Entre las numerosas hipotesis formuladas para explicar las desigualdades en las situaciones patrimoniales, el « adquisitivo familiar », parece el mas importante. [eng] Households' patrimony : stability and alterations - At the beginning of 1973, INSEE took the third households' survey regarding their patrimonial position and savings' behaviour. Contrary to previous surveys, carried out in 1967 and ,1969, dealing only with wage-earners and unemployed persons, 1973's survey, bears on the whole of households, especially on economic active persons working on own account, such as farm; operators, industrial and trade employers, professions. Thus, patrimonial evolution between 1966 and 1972 is characterized by : The spreading of all sorts of assets such as housing, bank accounts, savings, stocks, is improving, but bank accounts register a very important development; Patrimonies' structure is modified : households choose in preference ready money savings rather than investments (bonds, shares, securities) and may be real assets as well; Inequalities, disparity and concentration of patrimony do not reveal important alterations' between 1966 and 1972. Among the numerous assumptions put forward in order to explain disparities registered in patrimonial positions, « family-acquired » seems to be a prevailing factor.

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    File URL: http://dx.doi.org/doi:10.3406/estat.1976.2303
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    File URL: http://www.persee.fr/doc/estat_0336-1454_1976_num_76_1_2303
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    Article provided by Programme National Persée in its journal Economie et statistique.

    Volume (Year): 76 (1976)
    Issue (Month): 1 ()
    Pages: 3-25

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    Handle: RePEc:prs:ecstat:estat_0336-1454_1976_num_76_1_2303
    Note: DOI:10.3406/estat.1976.2303
    Contact details of provider: Web page: http://www.persee.fr/collection/estat

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