1. La dette des ménages comme solution ?

Laure Lacan

Regards croisés sur l'économie, 2015, vol. n° 17, issue 2, 26-38

Abstract: Household credit has slowly become a solution in the eyes of various players. It became a way for public authorities to support domestic industry in the 1950s and then the banking sector in the 1980s. Facing the growing indebtedness of some households, the government established a procedure for handling overindebtedness. It was designed as nothing more than mediation between creditors and debtors, so that difficulties in debt repayment would not be turned into an additional weight for welfare policies. However the impact of these processes remains little known and is difficult to grasp. In addition to the transfer of debt from the private sector to the public sector during recessions, it carries political and social risks. Indeed, the transformations of the credit market and the overindebtedness procedure have taken place in an unstabilized normative framework, which remains unclear and inconsistent to debtors.

Date: 2015
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