Women alone or with a dependent child are still the most affected by over-indebtedness, despite the drop in the number of files among the French, says a survey published Monday by the Banque de France.
The risk of over-indebtedness is higher for women, notes the study centered on the typology of over-indebted households and relating to the year 2021. They represent 54% of over-indebted people aged 25 to 54.
The lower salaries those of men and the more frequent status of head of single parent family are even to explain this difference, advanced to the institution. Over-indebted people are also often isolated and in difficult social and financial situations: more than half of them are separated, single or widowed, more than a quarter are unemployed.
The Director of Individuals at the Banque de France Marc Bguery also underlines a small increase in over-indebtedness filings by young people, in the 18-25 and 25-32 age brackets during a press conference. The most affected region is by far Hauts-de-France: the five departments each report more than 250 cases per 100,000 inhabitants, compared to 225 on average in France.
Over-indebtedness: from the filing of the file to its instruction
The health crisis has not called into question the decline in over-indebtedness
In total, the number of over-indebtedness files filed last year, however, fell by 15% compared to 2019, notes the Banque de France, with 120,968 files. The overall debt of over-indebted households is also down, 4.9 billion euros in 2021, or 1.2 billion euros less than in 2019.
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This is rather good news, in the end the health crisis has not called into question the downward trend in over-indebtedness that we have seen since 2015, welcomes Marc Bguery.
However, some 1.9 million people are in a situation of great poverty in France, living on less than 930 euros per month for a single person and suffering from numerous material and social deprivations, said INSEE last May. To whom do these people turn?, wonders the union delegate of the CGT Banque de France Hugo Coldeboeuf. What don’t we offer, what channels don’t we use? To explain the decline in the number of files, the CGT insists on the difficulties of access to the constitution of these, linked to a lack of communication from the Banque de France and the decline of its presence in the field.
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