French Households Fnancial Wealth: a Macro and Micro Overview of Changes in the last 20 Years? (notice n° 834346)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 03659cam a2200325 4500500 |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20250123140118.0 |
| 041 ## - LANGUAGE CODE | |
| Language code of text/sound track or separate title | fre |
| 042 ## - AUTHENTICATION CODE | |
| Authentication code | dc |
| 100 10 - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Bernard, Jean-Baptiste |
| Relator term | author |
| 245 00 - TITLE STATEMENT | |
| Title | French Households Fnancial Wealth: a Macro and Micro Overview of Changes in the last 20 Years? |
| 260 ## - PUBLICATION, DISTRIBUTION, ETC. | |
| Date of publication, distribution, etc. | 2016.<br/> |
| 500 ## - GENERAL NOTE | |
| General note | 60 |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | L’objectif de cette étude est d’analyser les déterminants microéconomiques des évolutions macroéconomiques observées sur le patrimoine financier des ménages entre 1990 et 2010. En particulier, ce travail explore le rôle de l’âge sur les choix d’accumulation d’actifs financiers et apporte, sur données françaises, un point de vue empirique à la littérature théorique riche sur le sujet. Un modèle âge-période-cohorte est estimé, en mobilisant les données individuelles issues des enquêtes Patrimoine de l’Insee (menées en 1992, 1998, 2004 et 2010). L’estimation des profils par âge indique que les ménages français ne désaccumulent pas leur patrimoine financier après le passage à la retraite, en désaccord avec la théorie standard du cycle de vie. Par ailleurs, les résultats n’indiquent aucune différence significative dans le profil d’accumulation de richesse financière entre les générations observées. L’analyse du rôle joué par d’autres déterminants microéconomiques tels que le niveau de diplôme vient compléter cette première approche ; si les profils d’accumulation d’actifs financiers apparaissent relativement proches entre générations, ils semblent afficher une forte disparité au sein de chacune d’entre elle. Enfin, l’étude donne quelques éléments d’analyse sur la forte expansion de l’assurance-vie dans le portefeuille des ménages français, identifiant quels ménages y ont le plus contribué. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc. | Focusing on households’ financial assets, this work attempts to analyze microeconomic determinants of the global evolutions in French households’ portfolio from 1990 to 2010. In particular, we analyze the role of age and provide, from French data, an empirical ground to the large literature dedicated to wealth accumulation. The paper mobilizes successive Household Wealth Survey cross-sections (conducted in 1992, 1998, 2004 and 2010) and develops an age-cohort-period model. The estimation of age-patterns for financial assets building shows no decumulation in retirement, on the contrary to the standard Life-Cycle Hypothesis, and no significant differences between birth cohort groups. This approach is supplemented by exploring the role played by other microeconomic determinants, such as diploma, suggesting the existence of a large diversity of accumulation patterns within each generation. The paper ends with a brief focus on life insurance expansion in French households’ portfolio, describing its nature and which savers’ groups have supported it. |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Patrimoine financier |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | choix<br/>de portefeuille des ménages |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | assurance-vie |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | modèle âge-période-cohorte |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Hypothèse de Cycle de Vie |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | inégalités intergénérationnelles |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Intergenerational Equity |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | life-insurance |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Age-Period-Cohort (APC) |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Life-Cycle |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | households’ portfolio choice |
| 690 ## - LOCAL SUBJECT ADDED ENTRY--TOPICAL TERM (OCLC, RLIN) | |
| Topical term or geographic name as entry element | Financial wealth |
| 700 10 - ADDED ENTRY--PERSONAL NAME | |
| Personal name | Berthet, Laura |
| Relator term | author |
| 786 0# - DATA SOURCE ENTRY | |
| Note | Revue d'économie politique | 126 | 5 | 2016-11-25 | p. 721-787 | 0373-2630 |
| 856 41 - ELECTRONIC LOCATION AND ACCESS | |
| Uniform Resource Identifier | <a href="https://shs.cairn.info/revue-d-economie-politique-2016-5-page-721?lang=en&redirect-ssocas=7080">https://shs.cairn.info/revue-d-economie-politique-2016-5-page-721?lang=en&redirect-ssocas=7080</a> |
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