However,
Mini-credit fractional payments feed over-indebtedness,:
The mini-creed, ready for a few hundred euros, and the payments in several times, marketed by actors in consumer credit, lead more and more French in over-indebtedness, the Banque de France said on Friday.
In 2024. Therefore, 17% of over -indebtedness files present a fractional payment or a mini -credit, according to data from the annual report of the Banking Inclusion Observatory (OIB), a tripartite – banks, associative sector, public power – created in 2013.
It was 1% in 2022 and 7% in 2023. Therefore, “We are attentive to a certain number of new products. for example mini-credits or fractional payments” Who “Can weigh increased risks on fragile audiences”said at a press conference the governor of the Banque de France François Villeroy de Galhau,
Fractional payments, also called “Three mini-credit fractional payments feed over-indebtedness, times free of charge” or bnpl (for «buy now pay later»in French “Buy now pay later”) represented last year 8.2 billion euros, or 12.1% of consumer credits (excluding overdices).
Premiere consumption credits – Mini-credit fractional payments feed over-indebtedness,
Mini-creted often take the form of limited amounts. For example, a few hundred euros, easily offered, sometimes by SMS, to young clientele. Over -indebtedness increased sharply in France last year. and is still upward -oriented this year, with +6% over the first five months of 2025.
Inflation. today contained, was able to have “Delayed effects on a number of households in difficult situations”underlined François Villeroy de Galhau. The number of over -indebted people approaches 500,000, a total, however, decreasing over the past ten years. The Banque de France also counts nearly 4.6 million people in a situation of financial fragility.
They pay an average of 201 euros per year of bank charges. more mini-credit fractional payments feed over-indebtedness, than half of which (108 euros) is linked to incident costs, according to the Banque de France. Barely a quarter agree to subscribe to the specific offer intended for populations in financial fragility (OCF). which banks must offer eligible people.
Consumer credits (personal loans. renewable credits, affected credits, rentals with purchase option, fractional payments and minicredits) also represent three -quarters of payment incidents, according to the Banque de France. They are marketed by start-ups like Alma. Younited and players installed such as Cofidis (Crédit Mutuel) or Cetelem (BNP Paribas).
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