{"id":37521,"date":"2024-02-27T14:48:00","date_gmt":"2024-02-27T12:48:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37521"},"modified":"2025-09-09T14:14:44","modified_gmt":"2025-09-09T12:14:44","slug":"36eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/36eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"36\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e fin 2023 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits aux m\u00e9nages recule pour la cinqui\u00e8me ann\u00e9e cons\u00e9cutive, pour s\u2019\u00e9tablir \u00e0 42,7%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire, en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur ressenti sur leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les 6 prochains mois.<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama &#8211; synth\u00e8se f\u00e9vrier 2024)<\/p><p class=\"postAttachment__fileSize\">397,6 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;36\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama - synth\u00e8se f\u00e9vrier 2024)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama - synth\u00e8se f\u00e9vrier 2024)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-Tableau-de-bord-diaporama-Fevrier-2024.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama &#8211; synth\u00e8se f\u00e9vrier 2024)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte &#8211; synth\u00e8se f\u00e9vrier 2024)<\/p><p class=\"postAttachment__fileSize\">466,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;36\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte - synth\u00e8se f\u00e9vrier 2024)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte - synth\u00e8se f\u00e9vrier 2024)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-Tableau-de-bord-Janvier-2024-VersionTexte.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte &#8211; synth\u00e8se f\u00e9vrier 2024)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama finalis\u00e9e &#8211; avril 2024)<\/p><p class=\"postAttachment__fileSize\">657,2 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;36\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama finalis\u00e9e - avril 2024)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama finalis\u00e9e - avril 2024)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-resultats-complets-avril2024-presentation-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version diaporama finalis\u00e9e &#8211; avril 2024)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte finalis\u00e9 &#8211; avril 2024)<\/p><p class=\"postAttachment__fileSize\">1,2 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;36\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte finalis\u00e9 - avril 2024)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte finalis\u00e9 - avril 2024)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-resultats-complets-avril2024-rapport-1-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 36\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2023 (version texte finalis\u00e9 &#8211; avril 2024)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Selon le dernier rapport de l\u2019OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e fin 2023 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits aux m\u00e9nages recule pour la cinqui\u00e8me ann\u00e9e cons\u00e9cutive, pour s\u2019\u00e9tablir \u00e0 42,7%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire, en 1989. Ce rapport apporte [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37530,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":2186,"viewed_at":"1778481721"},"categories":[3320,3391],"tags":[3276,3273],"class_list":["post-37521","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rubrique-etudes-et-chiffres-cles","category-observatoire-des-credits-aux-menages","tag-credits","tag-particuliers"],"yoast_head":"<title>36\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/title>\n<meta name=\"description\" content=\"Selon le dernier rapport de l&#039;OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e fin 2023 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits aux m\u00e9nages recule pour la cinqui\u00e8me ann\u00e9e cons\u00e9cutive, pour s\u2019\u00e9tablir \u00e0 42,7%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire, en 1989. Ce rapport apporte chaque ann\u00e9e, depuis plus de 30 ans, un \u00e9clairage sur la situation des m\u00e9nages faisant appel au cr\u00e9dit, mais aussi sur leur ressenti sur leur situation financi\u00e8re et leurs intentions de souscrire des cr\u00e9dits dans les 6 prochains mois.\" \/>\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\/36eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"36\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - Observatoire des cr\u00e9dits aux m\u00e9nages - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)\" \/>\n<meta property=\"og:description\" content=\"Selon le dernier rapport de l&#039;OCM, qui se base sur une enqu\u00eate r\u00e9alis\u00e9e fin 2023 aupr\u00e8s d\u2019un large \u00e9chantillon de 13 000 m\u00e9nages, le taux de d\u00e9tention des cr\u00e9dits aux m\u00e9nages recule pour la cinqui\u00e8me ann\u00e9e cons\u00e9cutive, pour s\u2019\u00e9tablir \u00e0 42,7%, son plus bas niveau depuis la cr\u00e9ation de l\u2019Observatoire, en 1989. 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