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Parlons cash !

Author

Listed:
  • Maëlan Le Goff
  • Nathalie Normand

Abstract

L’Île-de-France se distingue en matière de surendettement. Les ménages présentent des montants d’endettement moyen parmi les plus hauts de France métropolitaine, en lien avec un coût du logement et un niveau de vie élevés. Néanmoins, ils déposent relativement moins de dossiers que dans les autres régions. Ce faible taux de surendettement semble provenir d’autres particularités socio-économiques de l’Île-de-France, parmi lesquelles sa population relativement plus diplômée et son taux d’urbanisation important. Enfin, toutes choses égales par ailleurs, le fait de résider dans un département francilien réduit le nombre de dossiers déposés. Ce résultat pourrait s’expliquer, par exemple, par la densité du tissu associatif, le développement du réseau de transports en commun, une part importante de logements sociaux, ou encore un accès facilité aux dispositifs d’accompagnement et aux services de soin.

Suggested Citation

  • Maëlan Le Goff & Nathalie Normand, 2025. "Parlons cash !," Bulletin de la Banque de France, Banque de France, issue 259.
    • Handle: RePEc:bfr:bullbf:2025:259:06
    as

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    File URL: https://www.banque-france.fr/system/files/2025-07/BDF259-5_Parlons-cash_web2.pdf
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    References listed on IDEAS

    as
    1. Jonathan Ashworth & Charles A.E. Goodhart, 2020. "The Surprising Recovery of Currency Usage," International Journal of Central Banking, International Journal of Central Banking, vol. 16(3), pages 239-277, June.
    2. Lalouette, Laure & Zamora-Pérez, Alejandro & Rusu, Codruta & Bartzsch, Nikolaus & Politronacci, Emmanuelle & Delmas, Martial & Rua, António & Brandi, Marco & Naksi, Martti, 2021. "Foreign demand for euro banknotes," Occasional Paper Series 253, European Central Bank.
    3. Ashworth, J. & Goodhart, C. A. E., 2020. "The surprising recovery of currency usage," LSE Research Online Documents on Economics 105303, London School of Economics and Political Science, LSE Library.
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