According to the Banque de France, 69,336 overdue debt files were submitted in the first half of 2024, an increase of 14% compared to the first half of the previous year. However, the figure is 10% lower than in the first six months of 2019, which remains the reference year before disruptions due to Covid-19.
according to Bank of FranceThe number of overdraft filings in June 2024 stabilized at 10,944 (compared to 10,876 applications in June 2023).
More specifically, women represent the majority of people in over-indebted situations, and almost half are between the ages of 35 and 54.
Here are the processed files debts related to current expenses before consumer loans, it mainly burdens household budgets. Three-quarters of over-indebted people are renters and 15% are third-party landlords.
The number of right-of-account appointments decreased by 4% in June 2024 compared to June 2023. In the first half of 2024, a decrease of 9% compared to 2023, the role of the Bank de France is valid for the implementation of the right to an account: if the banking institution refuses to open an account or if there is no response within 15 days after the request to open an account, an individual can seize it and open a free deposit with basic banking services at another institution. .
In 2022, more than 9 million people are below the monetary poverty line
In another register, the number of new registrations in the FICP (national file of credit payment incidents for individuals) increased by 6% to 455,506 registrations, while the number of new declarations in the central check file (FCC) decreased by 8% to 357,043. During the first six months of 2024 compared to the same period in 2023.
Number requests for information or support The number of people contacting the Banque de France on financial inclusion issues through multi-channel reception increased by 9% between January and June compared to the first half of 2023, surpassing one million inquiries.
Just over 9 million people in France lived below the monetary poverty line in 2022 on an income of 1,216 euros per person per month (i.e. 60% of the average income), according to two studies published on Thursday by INSEE. purchasing power was at the heart of legislative elections. While measures such as successive increases in the minimum wage and expected increases in basic pensions or even government assistance have mitigated this impoverishment somewhat, certain categories have seen their situation worsen. This is the case for the self-employed, where the poverty rate rose from 14.6% in 2021 to 18.3% in 2022. Poverty has also increased among people living alone, retired or not. On the other hand, it decreased slightly among employees.
The results? More and more people are forced to tighten their belts. One in 10 people say they live in a house that has trouble keeping warm, and the same proportion can’t afford a protein meal every other day. These are the most developed deprivations in a year.