The number of new over-indebtedness cases fell by 15% last year compared to 2019, affirms the Banque de France on Wednesday, which remains attentive to the consequences that the health crisis could have on the situation of individuals this year.
In total, these are 120968 files which were filed in Metropolitan France in 2021, according to provisional data at the end of December, against 143,091 in 2019. The Banque de France has chosen to exclude the comparison with 2020, an atypical year when the aid measures put in place to deal with the pandemic as well as the upheavals caused by the first confinement had caused an exceptional drop in the number of files lodged throughout the year (108,748).
Over-indebtedness in France is steadily declining since 2014, after several legislative changes intended to put an end to the increase observed since the 2008 crisis.
Less banking prohibitions
In 2021, registrants in the central check file (FCC), which in particular lists people who have bounced a check, as well as in the national file of personal loan repayment incidents (FICP), are also down, by 38% and 20% respectively compared to 2019.
On the other hand, the institution has observed a 9% increase in the number of requests (written, telephone, physical visits) and a 23% increase in the number of visitors to the dedicated space of its website.
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The vigilant Bank of France
Despite the reassuring trends observed in 2021, the Banque de France will remain attentive to the consequences that the health crisis could have on the situation of individuals in 2022, concludes the report entitled Monthly Financial Inclusion Baromtre.
In early 2020, the Central Bank warned against a resumption of over-indebtedness in the course of 2021.