{"id":14765,"date":"2016-10-05T00:00:00","date_gmt":"2016-10-05T00:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2016\/10\/05\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/"},"modified":"2022-01-17T15:18:56","modified_gmt":"2022-01-17T13:18:56","slug":"rapport-2015-de-lobservatoire-de-linclusion-bancaire","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/","title":{"rendered":"Rapport 2015 de l’Observatoire de l’Inclusion Bancaire"},"content":{"rendered":"\n

Pour la deuxi\u00e8me ann\u00e9e, l’observatoire publie son rapport dans lequel il dresse un panorama de l’inclusion financi\u00e8re en France d’o\u00f9 il ressort que :
– le taux de bancarisation est \u00e9lev\u00e9 (96,6% de personnes poss\u00e8dent un compte de d\u00e9p\u00f4t),
– la progression des microcr\u00e9dits est dynamique (croissance des encours de 8%),
– les microcr\u00e9dits professionnels repr\u00e9sentent la majorit\u00e9 des microcr\u00e9dits accord\u00e9s et sont utilis\u00e9s dans 60% des cas pour la cr\u00e9ation d’entreprise.
Il estime \u00e9galement le nombre de clients fragiles financi\u00e8rement<\/b> sur la base des d\u00e9clarations des \u00e9tablissements bancaires \u00e0<\/b> environ 3 millions<\/b> de clients (2,5% du nombre de comptes).
<\/strong><\/p>\n\n\n

rapport-de-l-observatoire-de-l-inclusion-bancaire-2015<\/p>

3,0 Mo<\/p><\/div>T\u00e9l\u00e9charger rapport-de-l-observatoire-de-l-inclusion-bancaire-2015<\/span><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"

Pour la deuxi\u00e8me ann\u00e9e, l’observatoire publie son rapport dans lequel il dresse un panorama de l’inclusion financi\u00e8re en France d’où il ressort que :
\n
– le taux de bancarisation est \u00e9lev\u00e9 (96,6% de personnes poss\u00e8dent un compte de d\u00e9pôt),
\n
– la progression des microcr\u00e9dits est dynamique (croissance des encours de 8%),
\n
– les microcr\u00e9dits professionnels repr\u00e9sentent la majorit\u00e9 des microcr\u00e9dits accord\u00e9s et sont utilis\u00e9s dans 60% des cas pour la cr\u00e9ation d’entreprise.
\n
Il estime \u00e9galement le nombre de clients fragiles financi\u00e8rement<\/b> sur la base des d\u00e9clarations des \u00e9tablissements bancaires \u00e0<\/b> environ 3 millions<\/b> de clients (2,5% du nombre de comptes).<\/p>\n","protected":false},"author":36,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":4245,"viewed_at":"1778396334"},"categories":[3102],"tags":[],"class_list":["post-14765","post","type-post","status-publish","format-standard","hentry","category-inclusion-bancaire"],"yoast_head":"Rapport 2015 de l'Observatoire de l'Inclusion Bancaire<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rapport 2015 de l'Observatoire de l'Inclusion Bancaire\" \/>\n<meta property=\"og:description\" content=\"Pour la deuxi\u00e8me ann\u00e9e, l'observatoire publie son rapport dans lequel il dresse un panorama de l'inclusion financi\u00e8re en France d'où il ressort que : - le taux de bancarisation est \u00e9lev\u00e9 (96,6% de personnes poss\u00e8dent un compte de d\u00e9pôt), - la progression des microcr\u00e9dits est dynamique (croissance des encours de 8%), - les microcr\u00e9dits professionnels repr\u00e9sentent la majorit\u00e9 des microcr\u00e9dits accord\u00e9s et sont utilis\u00e9s dans 60% des cas pour la cr\u00e9ation d'entreprise. Il estime \u00e9galement le nombre de clients fragiles financi\u00e8rement sur la base des d\u00e9clarations des \u00e9tablissements bancaires \u00e0 environ 3 millions de clients (2,5% du nombre de comptes).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/\" \/>\n<meta property=\"og:site_name\" content=\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-05T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-17T13:18:56+00:00\" \/>\n<meta name=\"author\" content=\"abrienne\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"abrienne\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/\"},\"author\":{\"name\":\"abrienne\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/7a0eaa7cb55394ac1162659cb9e30fe8\"},\"headline\":\"Rapport 2015 de l’Observatoire de l’Inclusion Bancaire\",\"datePublished\":\"2016-10-05T00:00:00+00:00\",\"dateModified\":\"2022-01-17T13:18:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/\"},\"wordCount\":120,\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"articleSection\":[\"Inclusion bancaire\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/\",\"name\":\"Rapport 2015 de l'Observatoire de l'Inclusion Bancaire\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#website\"},\"datePublished\":\"2016-10-05T00:00:00+00:00\",\"dateModified\":\"2022-01-17T13:18:56+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Rapport 2015 de l’Observatoire de l’Inclusion Bancaire\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/\",\"name\":\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\",\"description\":\"La F\u00e9d\u00e9ration bancaire fran\u00e7aise, l'organisme professionnel qui repr\u00e9sente toutes les banques install\u00e9es en France.\",\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\",\"name\":\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2026\\\/06\\\/cropped-FBF_150-90-2-3.png\",\"contentUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2026\\\/06\\\/cropped-FBF_150-90-2-3.png\",\"width\":150,\"height\":90,\"caption\":\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/7a0eaa7cb55394ac1162659cb9e30fe8\",\"name\":\"abrienne\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a7cff2b3bc9bb0a0494d4272a51f2ec66e062da08c5686e5fb1a471b73baadc9?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a7cff2b3bc9bb0a0494d4272a51f2ec66e062da08c5686e5fb1a471b73baadc9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a7cff2b3bc9bb0a0494d4272a51f2ec66e062da08c5686e5fb1a471b73baadc9?s=96&d=mm&r=g\",\"caption\":\"abrienne\"}}]}<\/script>","yoast_head_json":{"title":"Rapport 2015 de l'Observatoire de l'Inclusion Bancaire","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/","og_locale":"fr_FR","og_type":"article","og_title":"Rapport 2015 de l'Observatoire de l'Inclusion Bancaire","og_description":"Pour la deuxi\u00e8me ann\u00e9e, l'observatoire publie son rapport dans lequel il dresse un panorama de l'inclusion financi\u00e8re en France d'où il ressort que : - le taux de bancarisation est \u00e9lev\u00e9 (96,6% de personnes poss\u00e8dent un compte de d\u00e9pôt), - la progression des microcr\u00e9dits est dynamique (croissance des encours de 8%), - les microcr\u00e9dits professionnels repr\u00e9sentent la majorit\u00e9 des microcr\u00e9dits accord\u00e9s et sont utilis\u00e9s dans 60% des cas pour la cr\u00e9ation d'entreprise. Il estime \u00e9galement le nombre de clients fragiles financi\u00e8rement sur la base des d\u00e9clarations des \u00e9tablissements bancaires \u00e0 environ 3 millions de clients (2,5% du nombre de comptes).","og_url":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/","og_site_name":"F\u00e9d\u00e9ration bancaire fran\u00e7aise","article_published_time":"2016-10-05T00:00:00+00:00","article_modified_time":"2022-01-17T13:18:56+00:00","author":"abrienne","twitter_card":"summary_large_image","twitter_misc":{"Written by":"abrienne","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/#article","isPartOf":{"@id":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/"},"author":{"name":"abrienne","@id":"https:\/\/fbf.fr\/fr\/#\/schema\/person\/7a0eaa7cb55394ac1162659cb9e30fe8"},"headline":"Rapport 2015 de l’Observatoire de l’Inclusion Bancaire","datePublished":"2016-10-05T00:00:00+00:00","dateModified":"2022-01-17T13:18:56+00:00","mainEntityOfPage":{"@id":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/"},"wordCount":120,"publisher":{"@id":"https:\/\/fbf.fr\/fr\/#organization"},"articleSection":["Inclusion bancaire"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/","url":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/","name":"Rapport 2015 de l'Observatoire de l'Inclusion Bancaire","isPartOf":{"@id":"https:\/\/fbf.fr\/fr\/#website"},"datePublished":"2016-10-05T00:00:00+00:00","dateModified":"2022-01-17T13:18:56+00:00","breadcrumb":{"@id":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/fbf.fr\/fr\/rapport-2015-de-lobservatoire-de-linclusion-bancaire\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fbf.fr\/fr\/"},{"@type":"ListItem","position":2,"name":"Rapport 2015 de l’Observatoire de l’Inclusion Bancaire"}]},{"@type":"WebSite","@id":"https:\/\/fbf.fr\/fr\/#website","url":"https:\/\/fbf.fr\/fr\/","name":"F\u00e9d\u00e9ration bancaire fran\u00e7aise","description":"La F\u00e9d\u00e9ration bancaire fran\u00e7aise, l'organisme professionnel qui repr\u00e9sente toutes les banques install\u00e9es en France.","publisher":{"@id":"https:\/\/fbf.fr\/fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fbf.fr\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/fbf.fr\/fr\/#organization","name":"F\u00e9d\u00e9ration bancaire fran\u00e7aise","url":"https:\/\/fbf.fr\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/fbf.fr\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/fbf.fr\/uploads\/2026\/06\/cropped-FBF_150-90-2-3.png","contentUrl":"https:\/\/fbf.fr\/uploads\/2026\/06\/cropped-FBF_150-90-2-3.png","width":150,"height":90,"caption":"F\u00e9d\u00e9ration bancaire fran\u00e7aise"},"image":{"@id":"https:\/\/fbf.fr\/fr\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/fbf.fr\/fr\/#\/schema\/person\/7a0eaa7cb55394ac1162659cb9e30fe8","name":"abrienne","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/a7cff2b3bc9bb0a0494d4272a51f2ec66e062da08c5686e5fb1a471b73baadc9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a7cff2b3bc9bb0a0494d4272a51f2ec66e062da08c5686e5fb1a471b73baadc9?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a7cff2b3bc9bb0a0494d4272a51f2ec66e062da08c5686e5fb1a471b73baadc9?s=96&d=mm&r=g","caption":"abrienne"}}]}},"_links":{"self":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/posts\/14765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/comments?post=14765"}],"version-history":[{"count":0,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/posts\/14765\/revisions"}],"wp:attachment":[{"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/media?parent=14765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/categories?post=14765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fbf.fr\/fr\/wp-json\/wp\/v2\/tags?post=14765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}