Bank deposits represent almost a third of French people's financial assets, including 14% for regulated savings products alone.
The booklet A and its cousins (sustainable and solidarity development booklet and popular savings booklet) carve out the lion's share (489 billion euros in outstandings), ahead of housing savings plans (291 billion).
The management of these regulated savings accounts is tightly controlled: 60% of deposits (50% for the LEP) are centralized with the savings fund of the Caisse des dépôts, which mainly allocates these sums to loans for social housing and city policy.
In 2021, 11.8 billion euros of new social housing loans have thus enabled the construction of 85,300 new social housing units and the rehabilitation of 81,600 others.
What has not been centralized by the Caisse des dépôts must be managed by the banks according to very specific rules.
At least 80% of these sums must be allocated to loans…
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