{"id":37538,"date":"2022-06-27T14:54:00","date_gmt":"2022-06-27T12:54:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=37538"},"modified":"2025-09-09T14:16:32","modified_gmt":"2025-09-09T12:16:32","slug":"34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\/","title":{"rendered":"34\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\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM), \u00e9tabli \u00e0 fin 2021, le recul du taux de d\u00e9tention de cr\u00e9dits par les m\u00e9nages s\u2019est confirm\u00e9, pour s\u2019\u00e9tablir \u00e0 45,2% (contre 46,5% en 2020).<\/strong>&nbsp;<strong>Cependant, dans un contexte de reprise de la croissance \u00e9conomique au moment o\u00f9 l\u2019enqu\u00eate a \u00e9t\u00e9 men\u00e9e fin 2021, les intentions de souscription \u00e0 de nouveaux cr\u00e9dits, immobiliers ou \u00e0 la consommation, avaient rebondi, t\u00e9moignant de l\u2019am\u00e9lioration \u00e0 cette date de la perception que les m\u00e9nages ont de leur environnement et de leurs contraintes budg\u00e9taires. Les \u00e9v\u00e9nements de 2022 auront sans doute des impacts sur ces \u00e9l\u00e9ments d\u2019analyse que la prochaine vague de l\u2019OCM fin 2022 pourra mesurer.<\/strong><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">34\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2021 (version diaporama \u2013 f\u00e9vrier 2022)<\/p><p class=\"postAttachment__fileSize\">352,7 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;34\u00e8me rapport annuel de l\\u0027Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2021 (version diaporama \u2013 f\u00e9vrier 2022)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"34\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2021 (version diaporama \u2013 f\u00e9vrier 2022)\" 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 34\u00e8me rapport annuel de l&#039;Observatoire des Cr\u00e9dits aux M\u00e9nages \u2013 tableau de bord 2021 (version diaporama \u2013 f\u00e9vrier 2022)<\/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\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM), \u00e9tabli \u00e0 fin 2021, le recul du taux de d\u00e9tention de cr\u00e9dits par les m\u00e9nages s\u2019est confirm\u00e9, pour s\u2019\u00e9tablir \u00e0 45,2% (contre 46,5% en 2020).&nbsp;Cependant, dans un contexte de reprise de la croissance \u00e9conomique au moment o\u00f9 l\u2019enqu\u00eate a \u00e9t\u00e9 men\u00e9e fin 2021, les [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":37540,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":1186,"viewed_at":"1778442908"},"categories":[3320,3391],"tags":[3276,3273],"class_list":["post-37538","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>34\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\u2019OCM, \u00e9tabli \u00e0 fin 2021, le recul du taux de d\u00e9tention de cr\u00e9dits par les m\u00e9nages s\u2019est confirm\u00e9, pour s\u2019\u00e9tablir \u00e0 45,2% (contre 46,5% en 2020).\" \/>\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\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"34\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\u2019OCM, \u00e9tabli \u00e0 fin 2021, le recul du taux de d\u00e9tention de cr\u00e9dits par les m\u00e9nages s\u2019est confirm\u00e9, pour s\u2019\u00e9tablir \u00e0 45,2% (contre 46,5% en 2020).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbf.fr\/fr\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\/\" \/>\n<meta property=\"og:site_name\" content=\"F\u00e9d\u00e9ration bancaire fran\u00e7aise\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-27T12:54:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-09T12:16:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fbf.fr\/uploads\/2025\/09\/GettyImages-1197547531.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"333\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"jrho\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jrho\" \/>\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\\\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\\\/\"},\"author\":{\"name\":\"jrho\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#\\\/schema\\\/person\\\/5d3a07ec198e2518a63fbe4b95ef4884\"},\"headline\":\"34\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM)\",\"datePublished\":\"2022-06-27T12:54:00+00:00\",\"dateModified\":\"2025-09-09T12:16:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\\\/\"},\"wordCount\":136,\"publisher\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbf.fr\\\/uploads\\\/2025\\\/09\\\/GettyImages-1197547531.jpg\",\"keywords\":[\"Cr\u00e9dits\",\"Particuliers\"],\"articleSection\":[\"Etudes et chiffres cl\u00e9s\",\"Observatoire des cr\u00e9dits aux m\u00e9nages\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\\\/\",\"url\":\"https:\\\/\\\/fbf.fr\\\/fr\\\/34eme-edition-de-lobservatoire-des-credits-aux-menages-ocm-2\\\/\",\"name\":\"34\u00e8me \u00e9dition de l\u2019Observatoire des Cr\u00e9dits aux M\u00e9nages (OCM) - 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