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All (30) (0 to 10 of 30 results)
- Public use microdata: 13M0006XDescription: The cross-sectional public-use microdata file for the Survey of Financial Security is a collection of income, assets, debts and wealth data on the economy of Canadian families. The production of this file includes many safeguards to prevent the identification of any one person or family.
The file is produced at the economic family level with information on family demographics; income; financial behaviours and attitudes; principal residence; assets, debts and net worth; family composition and size; and the major income recipient.
Please see the user guide for more information.
Release date: 2021-08-31 - Articles and reports: 11-621-M2021001Description:
Despite COVID-19's impact on the broader economy, the Canadian housing market remained resilient through 2020 as interest rates fell to historic lows. Using data derived from the National Economic Accounts Division and the Bank of Canada, this paper examines trends observed in the mortgage market leading up to and during the COVID-19 pandemic.
Release date: 2021-02-17 - Articles and reports: 13-605-X202000100001Description:
Since March, Canadian governments, federal, provincial and local, along with their associated government business enterprises, have been implementing a wide range of policy measures to address the COVID-19 pandemic. Many of these measures are economic in nature, taking the form of financial transfers and concessional loans to individuals, businesses and other groups. These actions will be reflected in the national accounts estimates for March and subsequent months, quarters and years. This paper outlines the main policy measures of an economic nature and identifies where their effects will be seen in the accounts.
Release date: 2020-05-29 - Articles and reports: 75-006-X201900100010Description:
This study uses data from the 2016 Survey of Financial Security to examine financial distress indicators for Canadian families. Three financial distress indicators are examined: the proportion of Canadian families who skipped or delayed a mortgage payment, the proportion who skipped or delayed a non-mortgage payment and the proportion who borrowed money through a payday loan. This paper also examines the factors associated with financial distress among Canadians, with a particular focus on their debt level.
Release date: 2019-06-26 - 5. Understanding business credit measures: a joint study by the Bank of Canada and Statistics Canada ArchivedArticles and reports: 13-605-X201800154971Description:
The Bank of Canada (the Bank) and Statistics Canada both produce aggregate measures of borrowing, or credit, for sectors of the Canadian economy. The Statistics Canada measures are part of the National Balance Sheet Accounts (NBSA), which cover the entire economy and directly align with the internationally recognized national accounting principles detailed in the United Nations System of National Accounts. The Bank’s data are presented based on the issuer of credit, i.e., the holder of the financial assets, and do not display liabilities. Both measures are constructed primarily from records of Canadian financial institutions and provide thorough coverage of lending by those institutions. They show a similar picture of the indebtedness of Canadian non-financial businesses, currently and in the past. However, the use of differing classification systems, methodologies and definitions result in some reconcilable differences in the aggregate measures. Therefore, the Bank and Statistics Canada conducted a joint study to understand and identify key differences between their respective measures of business credit loans, including non-mortgage business loans, non-residential mortgages and commercial paper.
Release date: 2018-12-14 - 6. Seasonal adjustment of stocks and flows in the Financial and Wealth Accounts: towards an integrated approach ArchivedArticles and reports: 13-605-X201800154972Description:
The principal motivation in producing estimates of seasonally adjusted household sector borrowing arose as a result of the observed seasonality present in the unadjusted credit market debt estimates. For example, Canadians tend to borrow more in the form of consumer credit in the fourth quarter, with the arrival of significant retail activity tied to the holidays, and then subsequently retrench in the first quarter. Moreover, mortgage borrowing has a tendency to slow down in the first quarter, but then pick up in the second and third quarters as winter recedes in many areas of Canada and resale activity picks up and families look to secure housing before the start of the upcoming school year. This phenomena of sub-annual cyclical patterns is not constrained to the household sector and can be seen in other areas such as government borrowing. Consequently, seasonal adjustment in this context enhances the interpretability of estimates that possess a strong cyclical component, eliminating the variation due to predictable and recurrent events, and provides data users, policy makers, and researchers with more accurate quarter-to-quarter movements that reveal the underlying trends in the data. While only household borrowing is the current sector of interest, seasonal adjustment will be eventually expanded to encompass other pertinent sectors in the Financial and Wealth Accounts.
Release date: 2018-12-14 - Articles and reports: 89-28-0001201800100008Description:
This edition presents changes in new home prices for Canada and select census metropolitan areas (CMAs) between August 2017 and August 2018. During this period, Canadians experienced rising mortgage rates, tighter lending rules and some provincial policy interventions.
Release date: 2018-10-31 - Surveys and statistical programs – Documentation: 13-606-G201600114621Description:
An explanation of the structure and concepts of Canada’s financial flow and national balance sheet accounts.
Release date: 2016-11-30 - 9. 2010 in review ArchivedArticles and reports: 11-010-X201100411434Geography: CanadaDescription:
As the recovery matured during the year, some economic trends closely resembled the performance of the economy before the recession. This was most evident in commodity prices, the stock market and the exchange rate. However, the pattern of net lending and borrowing showed a fundamental shift occurred during the recession and into the recovery.
Release date: 2011-04-14 - Articles and reports: 11-010-X200900610893Geography: CanadaDescription:
Using national accounts data on the financial flows, balance sheets and Canada's international investments, this paper shows how the crisis in financial markets has affected financial behaviour in Canada.
Release date: 2009-06-11
Data (1)
Data (1) ((1 result))
- Public use microdata: 13M0006XDescription: The cross-sectional public-use microdata file for the Survey of Financial Security is a collection of income, assets, debts and wealth data on the economy of Canadian families. The production of this file includes many safeguards to prevent the identification of any one person or family.
The file is produced at the economic family level with information on family demographics; income; financial behaviours and attitudes; principal residence; assets, debts and net worth; family composition and size; and the major income recipient.
Please see the user guide for more information.
Release date: 2021-08-31
Analysis (25)
Analysis (25) (0 to 10 of 25 results)
- Articles and reports: 11-621-M2021001Description:
Despite COVID-19's impact on the broader economy, the Canadian housing market remained resilient through 2020 as interest rates fell to historic lows. Using data derived from the National Economic Accounts Division and the Bank of Canada, this paper examines trends observed in the mortgage market leading up to and during the COVID-19 pandemic.
Release date: 2021-02-17 - Articles and reports: 13-605-X202000100001Description:
Since March, Canadian governments, federal, provincial and local, along with their associated government business enterprises, have been implementing a wide range of policy measures to address the COVID-19 pandemic. Many of these measures are economic in nature, taking the form of financial transfers and concessional loans to individuals, businesses and other groups. These actions will be reflected in the national accounts estimates for March and subsequent months, quarters and years. This paper outlines the main policy measures of an economic nature and identifies where their effects will be seen in the accounts.
Release date: 2020-05-29 - Articles and reports: 75-006-X201900100010Description:
This study uses data from the 2016 Survey of Financial Security to examine financial distress indicators for Canadian families. Three financial distress indicators are examined: the proportion of Canadian families who skipped or delayed a mortgage payment, the proportion who skipped or delayed a non-mortgage payment and the proportion who borrowed money through a payday loan. This paper also examines the factors associated with financial distress among Canadians, with a particular focus on their debt level.
Release date: 2019-06-26 - 4. Understanding business credit measures: a joint study by the Bank of Canada and Statistics Canada ArchivedArticles and reports: 13-605-X201800154971Description:
The Bank of Canada (the Bank) and Statistics Canada both produce aggregate measures of borrowing, or credit, for sectors of the Canadian economy. The Statistics Canada measures are part of the National Balance Sheet Accounts (NBSA), which cover the entire economy and directly align with the internationally recognized national accounting principles detailed in the United Nations System of National Accounts. The Bank’s data are presented based on the issuer of credit, i.e., the holder of the financial assets, and do not display liabilities. Both measures are constructed primarily from records of Canadian financial institutions and provide thorough coverage of lending by those institutions. They show a similar picture of the indebtedness of Canadian non-financial businesses, currently and in the past. However, the use of differing classification systems, methodologies and definitions result in some reconcilable differences in the aggregate measures. Therefore, the Bank and Statistics Canada conducted a joint study to understand and identify key differences between their respective measures of business credit loans, including non-mortgage business loans, non-residential mortgages and commercial paper.
Release date: 2018-12-14 - 5. Seasonal adjustment of stocks and flows in the Financial and Wealth Accounts: towards an integrated approach ArchivedArticles and reports: 13-605-X201800154972Description:
The principal motivation in producing estimates of seasonally adjusted household sector borrowing arose as a result of the observed seasonality present in the unadjusted credit market debt estimates. For example, Canadians tend to borrow more in the form of consumer credit in the fourth quarter, with the arrival of significant retail activity tied to the holidays, and then subsequently retrench in the first quarter. Moreover, mortgage borrowing has a tendency to slow down in the first quarter, but then pick up in the second and third quarters as winter recedes in many areas of Canada and resale activity picks up and families look to secure housing before the start of the upcoming school year. This phenomena of sub-annual cyclical patterns is not constrained to the household sector and can be seen in other areas such as government borrowing. Consequently, seasonal adjustment in this context enhances the interpretability of estimates that possess a strong cyclical component, eliminating the variation due to predictable and recurrent events, and provides data users, policy makers, and researchers with more accurate quarter-to-quarter movements that reveal the underlying trends in the data. While only household borrowing is the current sector of interest, seasonal adjustment will be eventually expanded to encompass other pertinent sectors in the Financial and Wealth Accounts.
Release date: 2018-12-14 - Articles and reports: 89-28-0001201800100008Description:
This edition presents changes in new home prices for Canada and select census metropolitan areas (CMAs) between August 2017 and August 2018. During this period, Canadians experienced rising mortgage rates, tighter lending rules and some provincial policy interventions.
Release date: 2018-10-31 - 7. 2010 in review ArchivedArticles and reports: 11-010-X201100411434Geography: CanadaDescription:
As the recovery matured during the year, some economic trends closely resembled the performance of the economy before the recession. This was most evident in commodity prices, the stock market and the exchange rate. However, the pattern of net lending and borrowing showed a fundamental shift occurred during the recession and into the recovery.
Release date: 2011-04-14 - Articles and reports: 11-010-X200900610893Geography: CanadaDescription:
Using national accounts data on the financial flows, balance sheets and Canada's international investments, this paper shows how the crisis in financial markets has affected financial behaviour in Canada.
Release date: 2009-06-11 - 9. 2008 in review ArchivedArticles and reports: 11-010-X200900410848Geography: CanadaDescription:
A review of the Canadian economy in 2008.
Release date: 2009-04-17 - 10. Payday loans ArchivedArticles and reports: 75-001-X200710413185Geography: CanadaDescription:
Payday loans are part of the growing alternative consumer credit market in Canada. These loans are for relatively small amounts ($100 to $1,000) and are short-term, with repayment usually made on or before the next payday. Although the convenience of payday loans makes them attractive, concerns have been raised about questionable practices within the industry, including high borrowing costs, insufficient disclosure of contract terms, and unfair collection practices. Who uses payday loans and why?
Release date: 2007-06-19
Reference (4)
Reference (4) ((4 results))
- Surveys and statistical programs – Documentation: 13-606-G201600114621Description:
An explanation of the structure and concepts of Canada’s financial flow and national balance sheet accounts.
Release date: 2016-11-30 - Notices and consultations: 13F0026M1999001Description:
The main objectives of a new Canadian survey measuring asset and debt holding of families and individuals will be to update wealth information that is over one decade old; to improve the reliability of the wealth estimates; and, to provide a primary tool for analysing many important policy issues related to the distribution of assets and debts, future consumption possibilities, and savings behaviour that is of interest to governments, business and communities.
This paper is the document that launched the development of the new asset and debt survey, subsequently renamed the Survey of Financial Security. It looks at the conceptual framework for the survey, including the appropriate unit of measurement (family, household or person) and discusses measurement issues such as establishing an accounting framework for assets and debts. The variables proposed for inclusion are also identified. The paper poses several questions to readers and asks for comments and feedback.
Release date: 1999-03-23 - 3. Proposal for an Asset and Debt Survey ArchivedSurveys and statistical programs – Documentation: 13F0026M1999003Description:
This paper presents a proposal for conducting a Canadian asset and debt survey. The first step in preparing this proposal was the release, in February 1997, of a document entitled Towards a new Canadian asset and debt survey whose intent was to elicit feedback on the initial thinking regarding the content of the survey.
This paper reviews the conceptual framework for a new asset and debt survey, data requirements, survey design, collection methodology and testing. It provides also an overview of the anticipated data processing system, describes the analysis and dissemination plan (analytical products and microdata files), and identifies the survey costs and major milestones. Finally, it presents the management/coordination approach used.
Release date: 1999-03-23 - Surveys and statistical programs – Documentation: 13F0031M2000004Description:
The changes made in this historical revision elaborate on the changes, over one hundred in all, made in the accounts. This paper updates an earlier report issued in August 1996 in several ways: decisions which did not involve any change in the accounts were pruned out; several new issues were added and many decisions were rewritten.
Release date: 1998-04-01
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