在美國，消費者的支出是銷售、進口、工廠產出、商業投資和就業增長的主要動力。個人的收入的兩個出路要麼就是消費、要麼就是儲蓄。消費可以推動經濟發展，儲蓄這個問題在美國已經不重要了，過去20年中美國人的儲蓄率是每況愈下。這個資料本身受到公佈時效性的影響而受重視程度較小。
個人收入包括工資和薪水（56％）、業主收入（8％）、租金收入（1.4％）、股票紅利（4.4％）、利息收入（11％）、轉移支付（13％）和其他（6.2％）。
個人支出主要用於：耐用品、非耐用品和服務。2007年11月數據如下:
EMBARGOED UNTIL RELEASE AT 8:30 A.M. EST, FRIDAY, DECEMBER 21, 2007
BEA 07-61
PERSONAL INCOME AND OUTLAYS
NOVEMBER 2007
Personal income increased $43.1 billion, or 0.4 percent, and disposable personal income (DPI)
increased $32.9 billion, or 0.3 percent, in November, according to the Bureau of Economic Analysis.
Personal consumption expenditures (PCE) increased $110.6 billion, or 1.1 percent. In October,
personal income increased $24.8 billion, or 0.2 percent, DPI increased $17.0 billion, or 0.2 percent,
and PCE increased $39.4 billion, or 0.4 percent, based on revised estimates.
2007
July Aug. Sept. Oct. Nov.
(Percent change from preceding month)
Personal income, current dollars 0.6 0.5 0.5 0.2 0.4
Disposable personal income:
Current dollars 0.7 0.5 0.5 0.2 0.3
Chained (2000) dollars 0.6 0.5 0.2 -0.2 -0.3
Personal consumption expenditures:
Current dollars 0.4 0.4 0.5 0.4 1.1
Chained (2000) dollars 0.3 0.4 0.2 0.1 0.5
Wages and salaries
Private wage and salary disbursements increased $36.0 billion in November, in contrast to a
decrease of $1.3 billion in October. Goods-producing industries' payrolls increased $6.2 billion, in
contrast to a decrease of $2.2 billion; manufacturing payrolls increased $2.9 billion, in contrast to a
decrease of $1.2 billion. Services-producing industries' payrolls increased $29.8 billion, compared
with an increase of $1.0 billion. Government wage and salary disbursements increased $4.0 billion,
the same increase as in October.
Other personal income
Supplements to wages and salaries increased $6.0 billion in November, compared with an
increase of $4.4 billion in October.
Proprietors' income increased $7.2 billion in November, compared with an increase of $3.7
billion in October. Farm proprietors' income increased $0.5 billion, compared with an increase of
$0.6 billion. Nonfarm proprietors' income increased $6.7 billion, compared with an increase of $3.1
billion.
Rental income of persons increased $1.9 billion in November, compared with an increase of
$2.2 billion in October. Personal income receipts on assets (personal interest income plus personal
dividend income) increased $2.5 billion, compared with an increase of $2.4 billion. Personal current
transfer receipts decreased $9.5 billion, in contrast to an increase of $9.6 billion. The November
change reflects a decrease in Medicare part D prescription drug benefit payments; the reduction
reflects the annual reconciliation of estimated and actual prescription drug costs.
Contributions for government social insurance -- a subtraction in calculating personal income --
increased $5.1 billion in November, compared with an increase of $0.2 billion in October.
Personal current taxes and disposable personal income
Personal current taxes increased $10.3 billion in November, compared with an increase of $7.8
billion in October. Disposable personal income (DPI) -- personal income less personal current taxes
-- increased $32.9 billion, or 0.3 percent, in November, compared with an increase of $17.0 billion,
or 0.2 percent, in October.
Personal outlays and personal saving
Personal outlays -- PCE, personal interest payments, and personal current transfer payments
increased $111.9 billion in November, compared with an increase of $41.0 billion in October. PCE
increased $110.6 billion, compared with an increase of $39.4 billion.
Personal saving -- DPI less personal outlays -- was a negative $48.4 billion in November, in
contrast to a positive $30.7 billion in October. Personal saving as a percentage of disposable
personal income was a negative 0.5 percent in November, in contrast to a positive 0.3 percent in
October. Negative personal saving reflects personal outlays that exceed disposable personal income.
Saving from current income may be near zero or negative when outlays are financed by borrowing
(including borrowing financed through credit cards or home equity loans), by selling investments or
other assets, or by using savings from previous periods. For more information, see the FAQs on
"Personal Saving" on BEA's Web site.
Real DPI and real PCE
Real DPI -- DPI adjusted to remove price changes -- decreased 0.3 percent in November,
compared with a decrease of 0.2 percent in October.
Real PCE -- PCE adjusted to remove price changes -- increased 0.5 percent in November,
compared with an increase of 0.1 percent in October. Purchases of durable goods increased 0.6
percent, in contrast to a decrease of 0.1 percent. Purchases of nondurable goods increased 0.6
percent, compared with an increase of 0.3 percent. Purchases of services increased 0.5 percent,
compared with an increase of less than 0.1 percent.
The price index for PCE increased 0.6 percent in November, compared with an increase of 0.3
percent in October; most of the November increase was accounted for by increases in energy prices.
The PCE price index, excluding food and energy, increased 0.2 percent, the same increase as in
October.
Revisions
Estimates have been revised for July through October. Changes in personal income, current-
dollar and chained (2000) dollar DPI, and current-dollar and chained (2000) dollar PCE for
September and October -- revised and as published in last month's release -- are shown below.
Change from preceding month
September October
Previous Revised Previous Revised Previous Revised Previous Revised
(Billions of dollars) (Percent) (Billions of dollars) (Percent)
Personal Income:
Current dollars...................... 50.4 53.7 0.4 0.5 21.2 24.8 0.2 0.2
Disposable personal income:
Current dollars...................... 43.2 46.6 0.4 0.5 14.0 17.0 0.1 0.2
Chained (2000) dollars............... 13.3 14.9 0.2 0.2 -12.4 -13.2 -0.1 -0.2
Personal consumption expenditures:
Current dollars...................... 33.0 48.9 0.3 0.5 23.8 39.4 0.2 0.4
Chained (2000) dollars............... 5.7 18.0 0.1 0.2 -2.9 7.0 0.0 0.1
BEA's national, international, regional, and industry estimates; the Survey of Current Business;
and BEA news releases are available without charge on BEA's Web site at www.bea.gov. By
visiting the site, you can also subscribe to receive free e-mail summaries of BEA releases and
announcements.
* * *
Next release -- January 31, 2008, at 8:30 A.M. EST for Personal Income and Outlays for December
Release dates in 2008
December 2007... January 31 April 2008... May 30 August 2008... September 29
January 2008... February 29 May 2008... June 27 September 2008... October 31
February 2008... March 28 June 2008... August 4 October 2008... November 26
March 2008... May 1 July 2008... August 29 November 2008... December 24
11月的數據十分正面，星期一會有12月的數據，到時再和大家分享。
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