{"id":37531,"date":"2023-02-14T02:50:17","date_gmt":"2023-02-14T00:50:17","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37531"},"modified":"2025-09-09T14:15:40","modified_gmt":"2025-09-09T12:15:40","slug":"35eme-edition-de-lobservatoire-des-credits-aux-menages-ocm","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/35eme-edition-de-lobservatoire-des-credits-aux-menages-ocm\/","title":{"rendered":"35\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 aupr\u00e8s de 13 000 m\u00e9nages, \u00e0 fin 2022, soit une base d\u2019\u00e9tude tr\u00e8s large, le taux de d\u00e9tention des cr\u00e9dits aux m\u00e9nages a recul\u00e9 pour la quatri\u00e8me ann\u00e9e cons\u00e9cutive, pour s\u2019\u00e9tablir \u00e0 43,4%, son niveau le plus bas depuis que l\u2019Observatoire existe (1989). Ce rapport apporte chaque ann\u00e9e depuis plus de 30 ans un \u00e9clairage sur la situation des m\u00e9nages au regard des cr\u00e9dits, mais aussi sur leur ressenti quant \u00e0 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\">35\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version diaporama &#8211; janvier 2023)<\/p><p class=\"postAttachment__fileSize\">450,8 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;35\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version diaporama - janvier 2023)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"35\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version diaporama - janvier 2023)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-tableau-de-bord-diaporama-2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 35\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version diaporama &#8211; janvier 2023)<\/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\">35\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version texte &#8211; janvier 2023)<\/p><p class=\"postAttachment__fileSize\">466,1 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;35\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version texte - janvier 2023)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"35\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version texte - janvier 2023)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/09\/OCM-tableau-de-bord-texte-2022.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger 35\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2022 (version texte &#8211; janvier 2023)<\/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 aupr\u00e8s de 13 000 m\u00e9nages, \u00e0 fin 2022, soit une base d\u2019\u00e9tude tr\u00e8s large, le taux de d\u00e9tention des cr\u00e9dits aux m\u00e9nages a recul\u00e9 pour la quatri\u00e8me ann\u00e9e cons\u00e9cutive, pour s\u2019\u00e9tablir \u00e0 43,4%, son niveau le plus bas depuis que l\u2019Observatoire existe [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37532,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1192,"viewed_at":"1778482527"},"categories":[3320,3391],"tags":[3276,3273],"class_list":["post-37531","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>35\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 aupr\u00e8s de 13 000 m\u00e9nages, \u00e0 fin 2022, soit une base d\u2019\u00e9tude tr\u00e8s large, le taux de 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