Financial Assistance in France

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					The tables present the gross disposable income, the consumption expenditure and the saving of the ordinary households
France (including Corsica) in 2003 by household composition.

The breakdown of the household account of 2003 is based on several surveys relating to the households. These individual data ena
macroeconomic agregates of income and consumption between categories.

By definition, the household account such as it is published in the national accounts represents the whole of the residents. The priva
(alimony, financial assistance) and the purchases/sales of goods (vehicles, household appliances) between residents are thus neut
subject of specific assessments. The presentation of an account per category entails the estimate of these transfers between reside
collected in the "Family budget" survey is used to measure the monetary private transfers and the purchases/sales of cars between
a car is registered as a negative consumption expenditure for the households.
The results of the financial transfers by category are very dependent on the extreme amounts of private transfers declared in the su
the results of two methods of calculation are presented :
- option 1: calculation on the whole of the declared amounts;
- option 2: calculation after having excluded the households declaring the extreme amounts.

The results presented according to the composition of the households are in the following sheets :
                           gives the gross disposable income, the final consumption expenditure and the saving in billion of euros
- Income, consumption, saving
- Saving chart :           represents the saving ratio before and after private transfers.
- Detailed income :        lists the average amounts by household and consumption unit for each component of the gross dispos
                           caution : the average amounts are assessed on the whole of the households of each category, whethe
                           not. The gaps observed between the categories indicate differences in the proportion of households co
                           of average among the households concerned.
- Breakdown of income :    presents the breakdown of the gross disposable income, in percent.
- Detailed consumption :   lists the average amounts of expenditure by household and consumption unit for each component of th
                           expenditure in euros; caution : the average amounts are calculated on the whole of the households for
                           they spend or not for the product considered. The gaps of average expenditure between categories for
                           differences in the proportion of households buying this product and differences in the amounts spent by
                           consume this product.
                            :
- Breakdown of consumption presents the breakdown of the final consumption expenditure in percent.


Additional tables about the social transfers in kind, the adjusted disposable income and the actual final consumption by ho

                             Social transfers in kind, adjusted disposable income and actual final consumption of the households by
diture and the saving of the ordinary households resident in mainland



 relating to the households. These individual data enable to distribute the



ounts represents the whole of the residents. The private financial transfers
usehold appliances) between residents are thus neutral and are not the
entails the estimate of these transfers between residents. The information
e transfers and the purchases/sales of cars between households. The sale of

treme amounts of private transfers declared in the survey. For this reason,




 e in the following sheets :
umption expenditure and the saving in billion of euros.
e transfers.
 umption unit for each component of the gross disposable income in euros;
he whole of the households of each category, whether they receive/pay it or
ndicate differences in the proportion of households concerned and differences

ncome, in percent.
ehold and consumption unit for each component of the final consumption
nts are calculated on the whole of the households for each category, whether
 gaps of average expenditure between categories for a given product indicate
g this product and differences in the amounts spent by the households which

 expenditure in percent.


ble income and the actual final consumption by household composition are also available :

me and actual final consumption of the households by household composition
Gross disposable income, individual consumption expenditure, and saving of the ordinary households resident in mainlan




                                                                            Single persons

    Annual amounts in billion of euros, in 2003

    Gross Disposable income                                        B6             169.2

    Private transfers (**) between residents
    Transfers option 1                                                             1.8
    Transfers option 2                                                             0.4

    Disposable income after private transfers (**)
    Transfers option 1                                                            171.0
    Transfers option 2                                                            169.6

    Individual consumption expenditure                             P31            143.4

    Saving                                                         B8             25.8

    Saving ratio (in %)                                                          15.2%

    Saving ratio after private transfers (in %)
    Transfers option 1                                                           16.1%
    Transfers option 2                                                           15.4%


    Reading help note : in 2003, the total gross disposable income available received by the ordinary households resident in mai
    received by single persons and 58,4 billion euros by single-parent families. The total consumption expenditure of the single-pa
    8,6%. These same households received between 1,8 and 3,2 billion euros of private transfers from other residents, which impr
    % or 13,4 %. Globally, a part of the private transfers is received by people living in communities. So the disposable income aft
    the disposable income available before private transfers (993,4 billion euros).

    Source : National Accounts - Base 2000, Insee

    Scope : ordinary households resident in mainland France, excl. FISIM.
    (*) Ordinary households resident in mainland France (excluding overseas departments and individuals living in collective hous
    (**) Private monetary transfers between residents (alimony, financial assistance) are assessed according to two methods - cf.
 saving of the ordinary households resident in mainland France (*) in 2003 by household composition



                                                                                                     Couples with 3
                         Single-parent       Couples with       Couples with      Couples with 2
                                                                                                      children or
                            families           no child           one child          children
                                                                                                         more



                               58.4               338.7              168.0              172.5               86.7


                               1.8                 -8.9               0.7                0.7                0.1
                               3.2                 -5.8               -1.3               -0.1               -0.2


                               60.2               329.9              168.7              173.2               86.7
                               61.6               332.9              166.7              172.4               86.5

                               53.4               252.6              140.3              154.8               76.7

                               5.0                86.1                27.7               17.7               10.0

                              8.6%               25.4%               16.5%              10.3%              11.5%


                              11.3%              23.4%              16.8%               10.6%              11.5%
                              13.4%              24.1%              15.8%               10.2%              11.3%


ailable received by the ordinary households resident in mainland France is 993,4 billion euros; of which 169,2 billion euros is
amilies. The total consumption expenditure of the single-parent families is estimated in 2003 at 53,4 billion euros, for a saving ratio of
  euros of private transfers from other residents, which improved their saving ratio when it is measured after private transfers : 11,3
people living in communities. So the disposable income after transfers of the ordinary households (989,6 billion euros) is lower than
on euros).




rseas departments and individuals living in collective households) including unincorporated enterprises.
l assistance) are assessed according to two methods - cf. Read me.
                           Ordinary
                          households
                          resident in
                           mainland
                            France

                               993.4


                                -3.8
                                -3.8


                               989.6
                               989.6

                               821.2

                               172.2

                              17.3%


                              17.0%
                              17.0%


 of which 169,2 billion euros is
t 53,4 billion euros, for a saving ratio of
 easured after private transfers : 11,3
olds (989,6 billion euros) is lower than
               Saving ratio and saving ratio after private transfers (accor
                                             by composition of the house



30%




25%




20%




15%




10%




5%




0%
      Single persons   Single-parent families Couples with no child   Couples with one
                                                                           child
private transfers (according to two options of calculation)
omposition of the household




                             Saving ratio
                             Transfers option 1
                             Transfers option 2




o child   Couples with one   Couples with 2        Couples with 3
               child           children           children or more
Gross disposable income of the ordinary households resident in mainland France (*) in 2003 by household compositio




     Average 2003 amounts per household, in euros

     Primary income of the unincorporated enterprises

     Gross operating surplus and mixed income of households
     Gross wages and salaries
     Employers social contributions

     Interests (received)
     Interests (paid)
     Distributed income of corporations
     Property income attributed to insurance policy holders
     Rents

     Balance of primary incomes
     Balance of primary incomes per consumption unit

     Current taxes on income, wealth, etc.
     Social contributions
     Social benefits other than social transfers in kind
                                                                         pensions
                                                              unemployment benefits
                                                                            others
     Net non-life insurance premiums
     Non-life insurance claims
     Miscellaneous current transfers

     Gross disposable income
     Gross disposable income per consumption unit

     Private transfers (**) between residents
     Transfers option 1
     Transfers option 2

     Disposable income after private transfers
     Transfers option 1
     Transfers option 2
     Disposable income after private transfers per consumption unit
     Transfers option 1
     Transfers option 2

     Number of households (***)
     Average number of consumption units
Reading help note : in 2003, an ordinary household received an average of 11 732 euros of social benefits. The couples
average of 17 988 euros. The gaps observed between the categories can result from the differences in the proportion of
the benefits obtained by the miscellaneous recipients.

Source : National Accounts - Base 2000, Insee

Scope : ordinary households resident in mainland France, excl. FISIM.
(*) Ordinary households resident in mainland France (excluding overseas departments and individuals living in collective
(**) Private monetary transfers between residents (alimony, financial assistance) are assessed according to two methods
(***) The number of households is assessed with the housing accounts, the average number of consumption units by ca
nland France (*) in 2003 by household composition, annual average per household and per consumption unit



                                                        Single-parent       Couples with      Couples with
                                      Single persons
                                                           families           no child          one child



           B5 (S14A)                       1,722            3,805              4,320             4,841

           B2+B3 (S14B)                    3,181            3,125               6,469             5,966
           D11                             9,342           17,265              21,600            41,480
           D12                             3,409            6,203               7,913            14,894

           D41 (resources)                  816              581               1,320              1,291
           D41 (uses)                      -301             -629               -783              -1,575
           D42                              868              823               1,985              3,144
           D44                             1,058             589               2,236              1,055
           D45 (resources - uses)            44               43                88                 82

           B5                             20,138           31,805              45,147            71,177
                                          20,138           19,188              30,437            37,659

           D5                             -2,940           -3,427               -6,315            -7,974
           D61                            -5,079           -9,052              -11,961           -21,057
           D62                            10,093            9,582               17,988             7,275
                                                8,056               3,779            14,861             2,669
                                                  635               1,571             1,244             1,666
                                                1,402               4,231             1,883             2,940
           D71                             -546             -805                 -869              -997
           D72                              623              918                  991              1,137
           D75 (resources - uses)           108              219                  832               656

           B6                             22,396           29,240              45,814            50,217
                                          22,396           17,641              30,886            26,569


                                            240              880               -1,198              217
                                             50             1,605               -786              -401


                                          22,637           30,120              44,616            50,434
                                          22,447           30,846              45,027            49,816

                                          22,637           18,172              30,079            26,684
                                          22,447           18,610              30,356            26,357

                                         7,554,771        1,997,644           7,393,549         3,345,361
                                            1.00             1.66                1.48              1.89
erage of 11 732 euros of social benefits. The couples with two children received an average of 6 722 euros while the couples with no child re
s can result from the differences in the proportion of recipients of each household category and, in a given household category, from the diff




rseas departments and individuals living in collective households) including unincorporated enterprises.
l assistance) are assessed according to two methods - cf. Read me.
 nts, the average number of consumption units by category is assessed with the 2003 labour force and tax income surveys.
mption unit

                                                   Ordinary
                                Couples with 3    households
              Couples with 2
                                 children or      resident in
                 children
                                    more           mainland
                                                    France

                  6,819             6,327            4,023

                   6,919             6,240           5,194
                  42,834            36,368          23,932
                  15,827            13,441           8,739

                   1,021             1,344            1,069
                  -2,198            -2,137           -1,003
                   2,835             2,792            1,874
                    940              1,235            1,362
                     95               86               71

                  75,093            65,696          45,262
                  33,778            24,049          28,593

                   -7,388            -6,817          -5,466
                  -22,660           -19,172         -12,730
                    6,722            12,775          11,732
                          709               881            7,581
                        1,389             1,601            1,185
                        4,624            10,294            2,966
                  -1,138            -1,284            -846
                   1,298             1,464             965
                    814               504              519

                  52,741            53,167          39,436
                  23,724            19,463          24,913


                   213                36             -151
                   -24               -94             -151


                  52,955            53,203          39,285
                  52,717            53,074          39,285

                  23,820            19,476          24,817
                  23,713            19,429          24,817

                3,269,788         1,629,856       25,190,968
                   2.22              2.73            1.58
os while the couples with no child received an
n household category, from the differences in




x income surveys.
Breakdown of the gross disposable income of the ordinary households resident in mainland France (*) in 2003, by hou




     In % of the gross disposable income

     Primary income of the unincorporated enterprises

     Gross operating surplus and mixed income of households
     Gross wages and salaries
     Employers social contributions
     Interests (received)
     Interests (paid)
     Distributed income of corporations
     Property income attributed to insurance policy holders
     Rents

     Balance of primary incomes

     Current taxes on income, wealth, etc.
     Social contributions
     Social benefits other than social transfers in kind
                                                                           pensions
                                                                unemployment benefits
                                                                              others
     Net non-life insurance premiums
     Non-life insurance claims
     Miscellaneous current transfers

     Gross disposable income per consumption unit (in euros)

     Private transfers (**) between residents
     Transfers option 1
     Transfers option 2

     Source : National Accounts - Base 2000, Insee

     Scope : ordinary households resident in mainland France, excl. FISIM.
     (*) Ordinary households resident in mainland France (excluding overseas departments and individuals living in collective
     (**) Private monetary transfers between residents (alimony, financial assistance) are assessed according to two methods
resident in mainland France (*) in 2003, by household composition



                                                                Single-parent       Couples with        Couples with
                                            Single persons
                                                                   families           no child            one child



             B5 (S14A)                             8%                 13%                 9%                10%

             B2+B3 (S14B)                         14%                 11%                14%                12%
             D11                                  42%                 59%                47%                83%
             D12                                  15%                 21%                17%                30%
             D41 (resources)                       4%                  2%                 3%                 3%
             D41 (uses)                           -1%                 -2%                -2%                -3%
             D42                                   4%                  3%                 4%                 6%
             D44                                   5%                  2%                 5%                 2%
             D45 (resources - uses)                0%                  0%                 0%                 0%

             B5                                   90%                109%                99%               142%

             D5                                  -13%                -12%                -14%               -16%
             D61                                 -23%                -31%                -26%               -42%
             D62                                  45%                 33%                 39%                14%
                                                          36%                13%                 32%                5%
                                                           3%                 5%                  3%                3%
                                                           6%                14%                  4%                6%
             D71                                  -2%                 -3%                -2%                -2%
             D72                                   3%                  3%                 2%                 2%
             D75 (resources - uses)                0%                  1%                 2%                 1%

             B6                                  22,396             17,641              30,886             26,569
                                                 100%               100%                100%               100%

                                                   1%                 3%                 -3%                 0%
                                                   0%                 5%                 -2%                -1%




as departments and individuals living in collective households) including unincorporated enterprises.
sistance) are assessed according to two methods - cf. Read me.
                                      Ordinary
                  Couples with 3     households
Couples with 2
                   children or       resident in
   children
                      more            mainland
                                       France

     13%               12%              10%

     13%               12%              13%
     81%               68%              61%
     30%               25%              22%
      2%                3%               3%
     -4%               -4%              -3%
      5%                5%               5%
      2%                2%               3%
      0%                0%               0%

    142%              124%              115%

     -14%              -13%             -14%
     -43%              -36%             -32%
      13%               24%              30%
             1%                 2%              19%
             3%                 3%               3%
             9%                19%               8%
     -2%               -2%               -2%
      2%                3%                2%
      2%                1%                1%

    23,724            19,463           24,913
    100%              100%             100%

     0%                0%                0%
     0%                0%                0%
Detailed final consumption expenditure of the ordinary households resident in mainland France (*) in 2003, by househ




                                                                           Single persons

    Average 2003 amounts per household, in euros
    01          Food and non-alcoholic drinks                                   2,564
    011         Food                                                            2,363
    012         Non-alcoholic drinks                                             201
    02          Alcoholic drinks and tobacco                                     651
    021         Alcoholic drinks                                                 283
    022         Tobacco                                                          368
    03          Clothes ands shoes                                               765
    031         Clothes                                                          626
    032         Shoes (including repairs)                                        139
    04          Housing, water, gas, electricity and other fuels                5,716
    041         Real rents                                                      1,528
    042         Imputed rents                                                   2,712
    043         Repairs and ordinary housing maintenance                         204
    044         Other housing related services                                   453
    045         Water, gas, electricity and other fuels                          819
    05                                                                          1,162
                Furniture, household articles and everyday maintenance of the dwelling
    051         Furniture, furnishings, carpets and other items                  248
    052         Items of household in textile                                     58
    053         Household appliances                                             172
    054         Glassware, crockery and household ustensils                      146
    055         Tools and other materials for the house and the garden            52
    056         Goods and services for the everyday maintenance of the dwelling  486
    06          Health                                                           659
                Drugs and other pharmaceutical products, therapeutic
                                                                                 320
    061         apparatuses and materials
    062         Nonhospital medicine and ancillary medical services              242
    063         Hospital services                                                 97
    07          Transport                                                       2,160
    071         Purchases of vehicles                                            708
    071bis (**) Sale of vehicles                                                -250
    072         Expenditures related to the use of vehicles                     1,378
    073         Services of transport                                            323
    08          Communications                                                   587
    09          Leisure and culture                                             1,823
    091         Audio-visual and computing apparatus and accessories             465
    092         Other cultural and entertainment durable goods                    79
    093         Other goods and equipment of leisure                             326
    094         Cultural and entertainment services                              626
    095         Press, books and stationery                                      310
    096         Tourist trips all included                                        16
    10          Education                                                         80
    11          Hotels, cafés and restaurants                                   1,049
    111         Catering                                                         927
    112         Lodging services                                                 122
12         Other goods and services                                                1,771
121        Personal care                                                            467
123        Personal effects n. e. i.                                                136
124        Social action                                                             3
125        Insurances                                                               713
126        Financial services (***)                                                 123
127        Other business services                                                  329
TOTAL      Consumption expenditure by household                                  18,987
           Consumption expenditure per consumption unit                           18,987
           Number of households (****)                                          7,554,771
           Average number of consumption units                                      1.00

Reading help note : in 2003, an ordinary household spent an average of 1 346 euros for the real rents (item 041). The co
the single persons spent 1 528 euros. The gaps observed between the categories can result from the differences in the pr
among the tenants of each household category, from the differences in the real rents actually paid.

Source : National Accounts - Base 2000, Insee

Scope : ordinary households resident in mainland France, excl. FISIM.
(*) Ordinary households resident in mainland France (excluding overseas departments and individuals living in collective h
(**) This item records the sales of vehicles between households. These sales are registered as a negative consumption ex
(***) Financial intermediation services indirectly measured (Fisim).
(****) The number of households is assessed with the housing accounts, the average number of consumption units by cate
ainland France (*) in 2003, by household composition, annual average per household and per consumption unit

                                                                                                   Ordinary
                                                                                Couples with 3    households
              Single-parent    Couples with     Couples with   Couples with 2
                                                                                 children or      resident in
                 families        no child         one child       children
                                                                                    more           mainland
                                                                                                    France
                  4,141            5,342            6,161           6,767           7,126            4,823
                  3,796            4,964            5,671           6,233           6,553            4,453
                   345              379              489              535             573             370
                  1,075            1,170            1,395            1,416           1,598           1,096
                   262              712              618              597             495             506
                   813              459              778              819           1,103             590
                  1,838            1,449            2,386            2,896           2,892           1,680
                  1,483            1,215            1,972           2,375           2,323            1,383
                   355              233              414              520             569             298
                  6,467            8,598            9,558           10,644          10,072           8,053
                  1,506            1,223            1,520           1,192             820            1,346
                  2,936            5,104            5,545           6,827           6,377            4,579
                   287              490              580              594             640             423
                   627              442              476              480             620             481
                  1,109            1,338            1,437           1,551           1,615            1,223
                  1,443            2,378            2,465            2,628           2,982           2,022
                   316              578              590              797             849             506
                    76              108              139              138             114              99
                   265              348              380              373             436             302
                   154              272              298              253             248             224
                    91              180              231              196             195             144
                   542              893              826              872           1,140             747
                   745             1,283            1,280            1,324           1,464           1,070
                   320              656              590             534              594             500
                   362              485              535              651             721             446
                    63              142              155              139             149             124
                  3,133            4,776            6,957            7,696           7,603           4,713
                   923             2,243            3,154            3,570           3,487           2,052
                  -391             -873            -1,117           -1,058          -1,098           -719
                  2,110            2,862            4,314            4,424           4,404           2,853
                   490              544              605              760             810             527
                   985              832             1,180            1,313           1,364            914
                  2,531            3,307            3,899            4,468           4,437           3,103
                   590              651             1,008            1,012           1,058            711
                    49              181              118               83              93             113
                   518              784              921              958             971             678
                   977             1,113            1,360            1,775           1,645           1,109
                   374              536              454              592             632             458
                    23               43               38               47              38              33
                   280               55              261              599             671             218
                  1,585            1,799            2,407            3,367           3,090           1,925
                  1,359            1,468            2,027            2,832           2,584           1,621
                   226              330              380              534             506             304
                    2,503                 3,179              3,993              4,218            3,759           2,983
                     719                   831              1,093              1,151              988             799
                     179                   233                347                377              349             241
                     209                    12                321                601              394             167
                     793                 1,328              1,441              1,468            1,427            1,141
                     191                   228                270                264              248             205
                     411                   546                520                358              352             430
                   26,725               34,168             41,944             47,335           47,059           32,601
                   16,124                23,035             22,192             21,292           17,227          20,594
                  1,997,644            7,393,549          3,345,361          3,269,788        1,629,856       25,190,968
                     1.66                  1.48               1.89               2.22             2.73            1.58

 ros for the real rents (item 041). The couples with 3 children or more spent an average of 820 euros while
 can result from the differences in the proportions of households tenants of each household category and,
nts actually paid.




ents and individuals living in collective households) including unincorporated enterprises.
egistered as a negative consumption expenditure. Cf. Read me.

ge number of consumption units by category is assessed with the 2003 labour force and tax income surveys.
Breakdown of the final consumption expenditure of the ordinary households resident in mainland France (*) in 2003, b




     In % of the annual consumption expenditure
     01           Food and non-alcoholic drinks
     02           Alcoholic drinks and tobacco
     03           Clothes and shoes
     04           Housing, water, gas, electricity and other fuels
     05           Furniture, household articles and everyday maintenance of the dwelling
     06           Health
     07           Transport
     08           Communication
     09           Leisure and culture
     10           Education
     11           Hotels, cafés and restaurants
     12           Other goods and services
     TOTAL        Annual consumption expenditure per consumption unit (in euros)

     Source : National Accounts - Base 2000, Insee

     Scope : ordinary households resident in mainland France, excl. FISIM.
     (*) Ordinary households resident in mainland France (excluding overseas departments and individuals living in collective
t in mainland France (*) in 2003, by household composition



                                                                                                            Couples with 3
                                  Single-parent        Couples with       Couples with     Couples with 2
              Single persons                                                                                 children or
                                     families            no child           one child         children
                                                                                                                more

                   13.5%               15.5%               15.6%              14.7%            14.3%            15.1%
                    3.4%                4.0%                3.4%               3.3%             3.0%             3.4%
                    4.0%                6.9%                4.2%               5.7%             6.1%             6.1%
                   30.1%               24.2%               25.2%              22.8%            22.5%            21.4%
                    6.1%                5.4%                7.0%               5.9%             5.6%             6.3%
                    3.5%                2.8%                3.8%               3.1%             2.8%             3.1%
                   11.4%               11.7%               14.0%              16.6%            16.3%            16.2%
                    3.1%                3.7%                2.4%               2.8%             2.8%             2.9%
                    9.6%                9.5%                9.7%               9.3%             9.4%             9.4%
                    0.4%                1.0%                0.2%               0.6%             1.3%             1.4%
                    5.5%                5.9%                5.3%               5.7%             7.1%             6.6%
                    9.3%                9.4%                9.3%               9.5%             8.9%             8.0%
                   18,987              16,124              23,035             22,192           21,292           17,227




s and individuals living in collective households) including unincorporated enterprises.
 Ordinary
households
resident in
 mainland
  France
  14.8%
   3.4%
   5.2%
  24.7%
   6.2%
   3.3%
  14.5%
   2.8%
   9.5%
   0.7%
   5.9%
   9.2%
  20,594

				
DOCUMENT INFO
Description: Financial Assistance in France document sample