法国居民金融资产
法兰西银行按季度发布法国居民家庭金融财富、资产负债存量及季度投资流量数据，反映家庭部门的资产配置状况与财务实力。该数据集追踪现金、存款、债务证券、上市公司股票以及人寿保险权益。数据以百万欧元和十亿欧元为单位，详细列示资产负债存量以及季度净流量。历史系列数据自1995年起提供。
正在加载图表数据…
| 指标 | Q2-2026 | Q1-2026 | Q4-2025 | Q3-2025 | Q2-2025 | Q1-2025 | Q4-2024 | Q3-2024 | Q2-2024 | Q1-2024 | Q4-2023 | Q3-2023 | Q2-2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 金融资产存量1 | ||||||||||||||
| 合计7 | 7,607,996 | 7,396,260 | 7,455,400 | 7,395,056 | 7,214,820 | 7,148,860 | 7,087,946 | 7,152,142 | 7,026,459 | 7,094,787 | 6,907,064 | 6,702,198 | 6,786,480 | |
| 现金与存款3 | 2,150,742 | 2,128,422 | 2,130,397 | 2,138,201 | 2,126,843 | 2,112,391 | 2,107,624 | 2,116,043 | 2,107,144 | 2,082,627 | 2,077,737 | 2,081,142 | 2,062,206 | |
| 纸币与硬币 | 157,812 | 154,357 | 152,412 | 149,167 | 145,543 | 141,975 | 139,981 | 136,673 | 133,307 | 129,189 | 128,125 | 125,441 | 123,167 | |
| 可转让存款 | 628,815 | 610,701 | 609,347 | 617,385 | 612,683 | 601,814 | 597,268 | 609,992 | 611,981 | 602,462 | 613,645 | 639,811 | 646,825 | |
| 其他存款 | 1,364,114 | 1,363,364 | 1,368,638 | 1,371,649 | 1,368,618 | 1,368,602 | 1,370,375 | 1,369,378 | 1,361,856 | 1,350,975 | 1,335,968 | 1,315,891 | 1,292,214 | |
| 债务证券 | 56,692 | 56,192 | 58,082 | 56,495 | 54,101 | 53,870 | 55,872 | 54,236 | 54,211 | 53,083 | 50,129 | 45,914 | 42,908 | |
| 贷款 | 11,658 | 13,079 | 11,459 | 11,382 | 12,103 | 10,877 | 11,288 | 11,373 | 11,634 | 11,649 | 11,656 | 10,547 | 11,336 | |
| 股权与投资基金份额3 | 2,428,785 | 2,336,694 | 2,403,174 | 2,356,120 | 2,173,983 | 2,208,244 | 2,162,833 | 2,218,308 | 2,148,312 | 2,241,640 | 2,122,820 | 2,011,244 | 2,084,770 | |
| 上市股票 | 282,782 | 269,790 | 276,183 | 302,354 | 310,167 | 316,669 | 319,800 | 329,346 | 316,248 | 340,251 | 323,745 | 313,540 | 326,251 | |
| 非上市股票与其他股权 | 1,625,405 | 1,592,760 | 1,646,624 | 1,596,532 | 1,439,396 | 1,467,707 | 1,433,518 | 1,475,638 | 1,434,111 | 1,520,735 | 1,443,387 | 1,351,474 | 1,412,742 | |
| 投资基金份额2 | 520,597 | 474,144 | 480,367 | 457,235 | 424,420 | 423,868 | 409,516 | 413,325 | 397,953 | 380,655 | 355,687 | 346,231 | 345,777 | |
| 货币市场基金份额 | 30,493 | 29,374 | 28,014 | 27,930 | 25,988 | 24,326 | 23,660 | 22,411 | 20,343 | 18,268 | 16,035 | 12,956 | 10,796 | |
| 非货币市场基金份额 | 490,104 | 444,770 | 452,352 | 429,305 | 398,432 | 399,542 | 385,856 | 390,914 | 377,609 | 362,387 | 339,653 | 333,275 | 334,980 | |
| 保险、养老金与标准化担保计划3 | 2,380,734 | 2,289,303 | 2,287,812 | 2,272,021 | 2,245,556 | 2,207,094 | 2,194,626 | 2,189,046 | 2,140,823 | 2,150,784 | 2,113,511 | 2,030,126 | 2,063,276 | |
| 人寿保险权益 | 2,005,128 | 1,925,693 | 1,939,544 | 1,916,377 | 1,898,355 | 1,861,884 | 1,859,238 | 1,851,490 | 1,808,649 | 1,818,208 | 1,792,399 | 1,713,569 | 1,745,456 | |
| 养老金权益 | 253,874 | 242,947 | 240,368 | 241,983 | 231,014 | 229,306 | 229,650 | 226,942 | 222,790 | 222,012 | 219,446 | 216,287 | 215,273 | |
| 非寿险技术准备金与标准化担保 | 121,733 | 120,663 | 107,900 | 113,661 | 116,188 | 115,904 | 105,738 | 110,614 | 109,384 | 110,565 | 101,667 | 100,270 | 102,547 | |
| 金融衍生工具与员工股票期权 | 150 | 138 | 166 | 120 | 2,321 | 2,406 | 2,270 | 1,880 | 1,459 | 1,154 | 796 | 982 | 916 | |
| 其他应收或应付款项 | 579,235 | 572,433 | 564,310 | 560,718 | 599,912 | 553,978 | 553,432 | 561,255 | 562,878 | 553,849 | 530,414 | 522,243 | 521,069 | |
| 负债存量1 | ||||||||||||||
| 合计2 | 2,128,478 | 2,117,158 | 2,111,210 | 2,109,958 | 2,113,922 | 2,102,697 | 2,103,667 | 2,108,305 | 2,103,303 | 2,118,999 | 2,112,225 | 2,106,136 | 2,102,760 | |
| 贷款2 | 1,786,103 | 1,777,870 | 1,780,793 | 1,776,687 | 1,770,608 | 1,766,139 | 1,767,688 | 1,762,059 | 1,759,700 | 1,760,714 | 1,767,159 | 1,767,514 | 1,764,305 | |
| 短期贷款 | 37,182 | 33,958 | 34,946 | 32,751 | 32,671 | 31,642 | 32,585 | 30,567 | 30,391 | 30,173 | 31,849 | 32,103 | 32,582 | |
| 长期贷款 | 1,748,921 | 1,743,912 | 1,745,847 | 1,743,936 | 1,737,937 | 1,734,497 | 1,735,103 | 1,731,492 | 1,729,309 | 1,730,541 | 1,735,310 | 1,735,411 | 1,731,723 | |
| 金融衍生工具与员工股票期权 | 267 | 255 | 294 | 247 | 2,508 | 2,657 | 2,661 | 2,003 | 1,716 | 1,381 | 909 | 1,360 | 1,153 | |
| 金融资产净获得（季度流量）1 | ||||||||||||||
| 合计5 | 58,911 | 55,049 | 15,361 | 25,808 | 100,286 | 43,545 | 1,852 | 30,624 | 68,249 | 58,345 | 21,811 | 35,093 | 42,565 | |
| 现金与存款 | 12,218 | -2,228 | -7,792 | 8,210 | 15,228 | 5,121 | -9,188 | 9,013 | 24,234 | 5,226 | -3,350 | 18,477 | 19,207 | |
| 债务证券 | 318 | -1,376 | 1,587 | 847 | 548 | -164 | 1,001 | -354 | 1,170 | 2,703 | 3,358 | 3,007 | 2,968 | |
| 股权与投资基金份额3 | 14,162 | 9,973 | 6,794 | 10,144 | 15,818 | 6,244 | 8,386 | 11,720 | 19,357 | 2,189 | 5,957 | 11,439 | 16,870 | |
| 上市股票 | -1,831 | 2,510 | -1,745 | 2,401 | 1,277 | -619 | 302 | 3,113 | 3,757 | -4,533 | -11,883 | 1,657 | 1,113 | |
| 非上市股票与其他股权 | 1,771 | 4,407 | 1,123 | 2,335 | 2,042 | 1,580 | 2,705 | 1,640 | 1,693 | 1,956 | 17,282 | 6,158 | 8,485 | |
| 投资基金份额 | 14,222 | 3,056 | 7,416 | 5,409 | 12,499 | 5,283 | 5,379 | 6,968 | 13,907 | 4,766 | 558 | 3,624 | 7,272 | |
| 保险、养老金与标准化担保计划1 | 26,817 | 38,988 | 11,131 | 16,875 | 21,674 | 31,679 | 9,180 | 11,612 | 14,070 | 23,731 | 4,992 | 1,680 | 9,244 | |
| 人寿保险权益 | 23,354 | 21,876 | 19,406 | 15,264 | 21,954 | 19,947 | 10,165 | 10,361 | 11,362 | 16,103 | 11,581 | -2,775 | 5,604 | |
| 其他应收或应付款项 | 6,802 | 8,123 | 3,521 | -9,522 | 45,934 | 546 | -7,823 | -1,623 | 9,028 | 24,097 | 9,819 | 1,173 | -6,329 | |
| 负债净发生（季度流量）1 | ||||||||||||||
| 合计2 | 12,047 | 6,214 | 2,169 | -2,411 | 12,366 | 397 | -4,504 | 5,898 | -15,232 | 9,522 | 7,975 | 3,721 | -4,895 | |
| 贷款2 | 8,955 | -2,663 | 5,008 | 6,290 | 5,619 | -656 | 5,769 | 3,134 | -662 | -5,452 | 1,570 | 3,508 | 9,198 | |
| 短期贷款 | 3,214 | -1,020 | 2,194 | 87 | 1,098 | -914 | 1,966 | 196 | 208 | -1,672 | -246 | -496 | -24 | |
| 长期贷款 | 5,741 | -1,643 | 2,814 | 6,204 | 4,521 | 258 | 3,803 | 2,938 | -870 | -3,779 | 1,817 | 4,003 | 9,222 | |
| 其他应收或应付款项1 | 3,074 | 8,910 | -2,900 | -8,722 | 6,905 | 583 | -10,925 | 2,356 | -15,017 | 14,422 | 6,666 | -43 | -14,148 | |
| 贸易信贷与预付款 | 566 | -1,661 | 3,023 | 509 | 586 | -1,696 | 1,386 | 882 | 1,111 | -863 | 1,928 | 924 | 828 | |
| 金融投资流量2 | ||||||||||||||
| 存量1 | ||||||||||||||
| 主要金融投资合计3 | 6,551.3 | 6,590.5 | 6,559.3 | 6,484.3 | 6,465.7 | 6,415.3 | 6,466.8 | 6,340.9 | 6,417.6 | 6,262.4 | 6,068.2 | 6,150.6 | ||
| 生息类产品6 | 3,922.3 | 3,911.4 | 3,919.7 | 3,895.4 | 3,868.1 | 3,863.3 | 3,863.3 | 3,828 | 3,793.1 | 3,759.3 | 3,729.4 | 3,717.4 | ||
| 现金与活期存款 | 769.91 | 762.95 | 767.26 | 762.96 | 748.32 | 742.18 | 751.92 | 750.42 | 736.64 | 746.61 | 769.99 | 774.66 | ||
| 银行生息存款2 | 1,358.5 | 1,363.3 | 1,366.9 | 1,363.8 | 1,364.1 | 1,365.4 | 1,364.1 | 1,356.7 | 1,346 | 1,331.1 | 1,311.1 | 1,287.5 | ||
| 法定储蓄账户 | 938.85 | 947.52 | 952.13 | 953.25 | 954.94 | 955.68 | 953.21 | 946.97 | 942.37 | 935.54 | 926.07 | 915 | ||
| 定期存款与普通储蓄账户 | 419.7 | 415.8 | 414.8 | 410.5 | 409.2 | 409.7 | 410.9 | 409.7 | 403.6 | 395.6 | 385 | 372.5 | ||
| 直接持有的债务证券 | 56.18 | 54.83 | 54.4 | 54.1 | 53.87 | 55.87 | 54.24 | 54.21 | 53.08 | 50.13 | 45.91 | 42.91 | ||
| 货币市场基金 | 29.33 | 25.73 | 26 | 25.99 | 24.33 | 23.66 | 22.41 | 20.34 | 18.27 | 16.04 | 12.96 | 10.8 | ||
| 欧元计价人寿保险与养老金权益 | 1,572.71 | 1,570.56 | 1,572.75 | 1,561.44 | 1,549.9 | 1,550.04 | 1,539.74 | 1,518.95 | 1,520.46 | 1,503.08 | 1,475.27 | 1,489.02 | ||
| 通过投资基金持有的债务证券 | 135.72 | 134.01 | 132.38 | 127.11 | 127.57 | 126.13 | 131.01 | 127.48 | 118.58 | 112.37 | 114.13 | 112.5 | ||
| 权益类产品4 | 2,511.6 | 2,576 | 2,539.8 | 2,493.3 | 2,502.6 | 2,459.9 | 2,515.7 | 2,427.9 | 2,546 | 2,427.3 | 2,267.2 | 2,361.5 | ||
| 上市股票 | 269.84 | 263.34 | 298.49 | 310.17 | 316.67 | 319.8 | 329.35 | 316.25 | 340.25 | 323.75 | 313.54 | 326.25 | ||
| 非上市股票与其他股权 | 1,444.39 | 1,507.39 | 1,474.43 | 1,439.4 | 1,467.71 | 1,433.52 | 1,475.64 | 1,434.11 | 1,520.74 | 1,443.39 | 1,351.47 | 1,412.74 | ||
| 投资连结型人寿保险与养老金权益 | 602.9 | 606.7 | 580.8 | 568 | 541.3 | 538.9 | 538.7 | 512.5 | 519.7 | 508.7 | 454.6 | 471.7 | ||
| 通过投资基金持有的股票 | 194.5 | 198.58 | 186.14 | 175.73 | 176.88 | 167.7 | 172.12 | 165.15 | 165.32 | 151.51 | 147.6 | 150.75 | ||
| 其他投资1 | 117.4 | 103.1 | 99.8 | 95.6 | 95 | 92.1 | 87.8 | 85 | 78.5 | 75.8 | 71.6 | 71.7 | ||
| 房地产基金 | 30.25 | 30.64 | 29.98 | 29.43 | 29.43 | 26.86 | 27.12 | 27.48 | 22.89 | 25.03 | 23.55 | 23.65 | ||
| 过去四个季度净流量1 | ||||||||||||||
| 主要金融投资合计3 | 129.9 | 128.37 | 131.6 | 130.3 | 136.9 | 129.3 | 127.31 | 132.72 | 120.6 | 125.02 | 135.23 | 137.8 | ||
| 生息类产品6 | 73.76 | 74.97 | 71.39 | 66.72 | 72.29 | 75.5 | 76.32 | 81.37 | 68.23 | 68.59 | 75.06 | 83.04 | ||
| 现金与活期存款 | 17.82 | 21.35 | 15.57 | 12.71 | 11.26 | -4.61 | -18.05 | -24.53 | -41.59 | -50.63 | -48.65 | -37.81 | ||
| 银行生息存款2 | -5.22 | -1.4 | 2.99 | 7.47 | 17.92 | 33.9 | 53.17 | 69.12 | 81.15 | 103.64 | 104.65 | 105.06 | ||
| 法定储蓄账户 | -16.1 | -8.17 | -1.08 | 6.28 | 12.57 | 20.14 | 27.14 | 31.98 | 39.82 | 61.41 | 63.73 | 66.22 | ||
| 定期存款与普通储蓄账户 | 10.87 | 6.77 | 4.07 | 1.18 | 5.35 | 13.76 | 26.03 | 37.14 | 41.33 | 42.23 | 40.91 | 38.83 | ||
| 直接持有的债务证券 | -0.6 | 0.61 | 1.57 | 1.03 | 1.65 | 4.52 | 6.88 | 10.24 | 12.04 | 10.62 | 9.15 | 8.42 | ||
| 货币市场基金 | 2.73 | 2.23 | 3.75 | 5.8 | 6.2 | 8.12 | 9.95 | 10.05 | 10.77 | 9.9 | 8.79 | 6.93 | ||
| 欧元计价人寿保险与养老金权益 | 52.22 | 46.97 | 44.36 | 37.06 | 32.33 | 28.21 | 19.82 | 12.88 | 3.22 | -4.33 | 0.73 | -0.3 | ||
| 通过投资基金持有的债务证券 | 6.82 | 5.22 | 3.17 | 2.66 | 2.93 | 5.36 | 4.55 | 3.61 | 2.65 | -0.6 | 0.4 | 0.74 | ||
| 权益类产品4 | 50.01 | 44.11 | 48.71 | 50.81 | 50.26 | 43.84 | 43.66 | 43.67 | 50.33 | 54.1 | 59.7 | 57.62 | ||
| 上市股票 | 2.58 | -0.55 | 2.74 | 4.07 | 6.55 | 2.64 | -9.55 | -11 | -13.65 | -9.88 | -0.67 | -1.23 | ||
| 非上市股票与其他股权 | 5.63 | 3.53 | 6.97 | 7.97 | 7.62 | 7.99 | 22.57 | 27.09 | 33.88 | 34.73 | 28.02 | 23.7 | ||
| 投资连结型人寿保险与养老金权益 | 34.51 | 33.77 | 31.92 | 29.87 | 28.03 | 25.63 | 26.27 | 26.07 | 29.34 | 31 | 32.56 | 34.36 | ||
| 通过投资基金持有的股票 | 7.29 | 7.36 | 7.09 | 8.9 | 8.06 | 7.57 | 4.36 | 1.51 | 0.76 | -1.75 | -0.21 | 0.78 | ||
| 其他投资1 | 6.13 | 9.28 | 11.5 | 12.77 | 14.35 | 9.97 | 7.34 | 7.69 | 2.04 | 2.34 | 0.47 | -2.85 | ||
| 房地产基金 | 1.43 | 3.79 | 4.31 | 5.21 | 5.99 | 1.71 | 1.91 | 3.72 | -0.03 | 2.53 | 1.98 | 0.49 |
最新值
本页序列为季度，时间跨度从1995年第4季度至2026年第2季度。来源：法兰西银行 – Webstat（webstat.banque-france.fr）。
常见问题
- 法国居民金融资产的最新值是多少？
- 合计在2026年第2季度为7.61万亿欧元。较2026年第1季度+2.9%，较上年同期+5.4%。
- 法国居民金融资产的数据可追溯至何时？
- 本页序列为季度，时间跨度从1995年第4季度至2026年第2季度。来源：法兰西银行 – Webstat（webstat.banque-france.fr）。本数据表中的每个序列均可查看全历史图表，并支持下载为CSV或Excel格式。
- 法国居民家庭金融财富统计哪些内容？
- 法国居民家庭金融财富由法兰西银行编制，统计法国家庭持有的金融资产与负债总存量，以及季度净投资流量。
- 该法国数据集中包含哪些金融资产？
- 该数据集涵盖现钞与硬币、银行存款、受监管储蓄账户、债务证券、上市与非上市股票、投资基金份额以及人寿保险准备金权益。
- 法国居民家庭财富数据可追溯至何时？
- 本表中法国居民家庭金融财富与投资流量的季度序列可追溯至1995年。
- 存量与投资流量有何区别？
- 存量代表特定时点持有的金融资产与负债总价值，而投资流量衡量一个季度内的净资产购置额或交易发生额。