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.
Read alsoSubmissions of over-indebtedness files decreased in 2021
Salaries lower than those of men and the more frequent status of single-parent heads of families are able to explain this difference, advances 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.
Hauts-de-France, the most affected region
The Director of Individuals of the Banque de France Marc Béguery also underlines "
a small increase in the filing of files of over-indebtedness of young people, in the age brackets 18-25 years and 25-32 years
" during a conference of hurry.
The most affected region is by far the Hauts-de-France: the five departments each report more than 250 cases per 100,000 inhabitants, against 225 on average in France.
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, to 4.9 billion euros in 2021, i.e. 1.2 billion euros less than in 2019. “
It is rather good news, finally the crisis health has not called into question the downward trend in over-indebtedness that we have seen since 2015
”, welcomes Marc Béguery.
Read alsoRecord drop in over-indebtedness files
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 numerous “
material and social deprivations
”, said INSEE last May.
“
Who are these people turning to?
asks CGT Banque de France union representative Hugo Coldeboeuf.
“
What don't we offer, what channels don't we use?
To explain the drop 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.