Household savings

Net household saving is defined as household net disposable income plus the adjustment for the change in pension entitlements less household final consumption expenditure (households also include non-profit institutions serving households). The adjustment item concerns (mandatory) saving of households, by building up funds in employment-related pension schemes. Household saving is the main domestic source of funds to finance capital investments, a major impetus for long-term economic growth. The net household saving rate represents the total amount of net saving as a percentage of net household disposable income. It thus shows how much households are saving out of current income and also how much income they have added to their net wealth. All OECD countries compile their data according to the 2008 System of National Accounts (SNA).

家庭净储蓄（Net household saving）的定义为：家庭可支配净收入加上养老金权益变动调整额，再减去家庭最终消费支出（家庭范畴涵盖为家庭服务的非营利机构）。该项调整对应家庭通过就业相关养老金计划积累资金所形成的（强制）储蓄。家庭储蓄是为资本投资提供资金的主要国内资金来源，亦是长期经济增长的核心推动力。家庭净储蓄率（net household saving rate）指净储蓄总额占家庭可支配净收入的百分比，该指标既可反映家庭从当期收入中留存的储蓄规模，亦可体现家庭用于扩充自身净财富的收入体量。所有经济合作与发展组织（OECD）成员国均依据2008年国民账户体系（SNA）编制相关统计数据。