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La evolución y el destino del ahorro extraordinario acumulado por los hogares españoles desde el inicio de la pandemia

Author

Listed:
  • Pana Alves

    (Banco de España)

  • Carmen Martínez-Carrascal

    (Banco de España)

Abstract

Motivación Los hogares en su conjunto acumularon una elevada bolsa de ahorro extraordinario durante la pandemia. El destino dado a esos fondos y la cuantía potencialmente disponible para el gasto en la actualidad resultan relevantes de cara a evaluar el soporte que este ahorro extraordinario puede proporcionar al consumo en los próximos trimestres. Ideas principales •Hasta el cierre de 2022, los hogares apenas han recurrido al ahorro extraordinario acumulado durante la pandemia para adquirir bienes y servicios de consumo. El grueso de estos recursos se ha destinado a la inversión financiera; en concreto, a depósitos y a fondos de inversión. •Una proporción más modesta, pero creciente desde 2021, de dicho ahorro se ha destinado a la adquisición de activos no financieros (en particular, inmuebles) y a la amortización de préstamos para vivienda. •Los hogares con mayores ingresos concentran una proporción elevada del ahorro extraordinario acumulado durante la crisis sanitaria. Tanto es así que el quintil de hogares con menores rentas apenas elevó su ahorro en este período.

Suggested Citation

  • Pana Alves & Carmen Martínez-Carrascal, 2023. "La evolución y el destino del ahorro extraordinario acumulado por los hogares españoles desde el inicio de la pandemia," Boletín Económico, Banco de España, issue 2023/T2.
    • Handle: RePEc:bde:joures:y:2023:i:02:n:08
    DOI: https://doi.org/10.53479/30171
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    More about this item

    Keywords

    Ahorro; hogares; consumo; activos financieros; vivienda; amortizaciones; depósitos; fondos de inversión;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D31 - Microeconomics - - Distribution - - - Personal Income and Wealth Distribution
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth

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