According to the figures published by the Francia bank (BDF), it appears that since the beginning of the year two thousand and fifteen outstanding consumer credit consumer continues its trend to increase in March in the first half of 2015, the sum of one hundred and forty six billion euros.
Moreover, it is important to note, still according to the economic statistics delivered by the BDF on 24/06/2015, the cruising speed is more sustained in France (+ 2.1%) than with our neighbors of the euro zone: Italy (-0.7%), Spain (-2.1%) and Germany (+.05%).
What are the consumer credit figures in the euro area?
In Germany, household consumer credit experienced at the beginning of the year, that is to say in January 2015, an annual growth rate whose variation is + 0.6%, then a slight decrease in February to reach a figure of + 0.3%, and since the curve continues to grow steadily for a result of annual change over 6 months from January to June two thousand and fifteen + 1.9%.
On the Spanish side the observation is very different! From January to April the annual percentage change in consumer credit for individuals is between -2.5 to -2.4 points. In May the fluctuation of the index is -0.6%. However, we find that from June the trend is the same as that of France or Germany, ie up for a fluctuation of + 1.2%.
For Italy, the figures have increased significantly since 01/2015 (-2.9%) to 1.3% the following month, and then oscillate from -0.7% to 0.4% until May. On the same note as its neighbors in the euro area, it reached a rise on arrival + 10.03% in June.
What is the growth rate of consumption credits in France?
In France, the annual growth rate of consumer loans was 1.8981% in January and in May it is 1.6548%. It is found that in March this was the highest spike for a maximum rate 2.0735%, and in 02/2015 the spades the lowest with 1.2961%.
It is interesting to note that the distribution of revolving credit, also called the money reserve, has been steadily decreasing since October 2012, which is rather encouraging as a sign regarding the fight against household over-indebtedness. The Lagarde Act helping to better regulate the distribution of credit conso without bank proof has it made its effect?
Over the same period, the personal loan experienced a decrease in its assets financed at the request of the individual, except that, unlike the permanent credit, it started to rise again from the beginning of 2014 to the middle of the year. the year to July to equal seventy-two million and five hundred and sixty thousand euros, which represents the sum total outstanding.