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- Number of pages : 30 pages
- Format : Digital and PDF versions
- Last update : 13/12/2021
Summary and extracts
1 Visión general del mercado
1.1 Definición y alcance del estudio
Un crédito al consumidor es un crédito otorgado por una institución financiera, directamente o a través de un comerciante, a una persona que actúa con fines no profesionales. Entre 200 y 75.000 euros, se utiliza para financiar la compra de bienes de consumo (muebles, ordenadores, coches, etc.) excepto en el caso de los bienes raíces . [ Ministerio de Economía, Finanzas y Recuperación Económica ]
Existen varias formas de crédito al consumidor. Operan de acuerdo a dos principios:
- el crédito puede ser asignado la compra de un bien específico en el momento del contrato (coche, electrodomésticos, viajes, etc.). En este caso, el crédito obtenido debe utilizarse únicamente para pagar el bien en cuestión;
- el crédito puede ser no afectado . En este caso, tiene la opción de utilizar la suma prestada como desee, ya sea para comprar un bien de consumo o cualquier otro servicio. Los préstamos personales y el crédito rotatorio (antes conocido como crédito rotatorio) entran en esta categoría.
El mercado francés de crédito al consumo está en un estado de cambio rápido crecimiento desde 2015 . Este crecimiento está impulsado principalmente por la la caída de los tipos de interés que han caído más de 30% entre 2013 y 2020 . Además, algunos segmentos son particularmente dinámicos. La financiación de coches usados 4.800 millones en 2019, un aumento de la producción del 11,5%. El trabajos de mejora del hogar y bienes de equipo para el hogar 3.200 millones de dólares, un 13,2% más que en el año anterior.
El mercado se caracteriza por una digitalización que se está acelerando y se manifiesta a través de la transformación digital de los jugadores existentes, pero también a través de la aparición de FinTech en números cada vez mayores. El éxito del Crédito Younited es indicativo de esta transformación del sector.
List of charts
- Annual growth in consumer loans to households
- Outstanding consumer loans
- Growth in household consumer credit
- Percentage of households with consumer credit
- Breakdown of outstanding consumer credit by type of loan
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Latest news
Damart back in the red - 05/09/2023
- Damartex sales fell by 9.5% in fiscal 2022-2023, to 650.4 million euros.
- Net income for the same period was negative, at -32.6 million euros.
- The Afibel brand, owned by Damartex since 2010, is put up for sale.
- It employs nearly 400 people and generates sales of 65 million euros.
Damart gives itself a facelift | Damart rejuvenates - 16/05/2023
- Damart's winter sales increase due to soaring energy prices and the lowering of office temperatures to 19°.
- Damart founded in 1953.
- Thermolactyl warming garment accounts for 20% of sales
- Damart products used by professionals such as the French Ski School (ESF), Patrouille de France pilots, Belgian police and SNCB agents.
- Damart focuses on senior customers.
- The company has enjoyed steady growth over the past decade, thanks in particular to its women's sheathing pants and comfort shoes.
- Damart is maintaining its distance-selling catalog business, although this segment is declining
- Increased adoption of e-commerce by 55-65 year-old customers.
- Damart's technical component sets it apart (like K-Way or Aigle).
- Damartex has diversified into home healthcare, a sector with promising margins as the population ages.
Sofinco - 16/05/2023
- Sofinco is a Crédit Agricole subsidiary specializing in consumer credit.
- Sofinco has reduced its number of physical branches from 125 in France to just 15 today
- . Team of 2,500 employees.
- Crédit Agricole Consumer Finance (CACF) has invested 60 million euros in consumer credit in Spain.
A good first half at Cafom - 16/05/2023
- Revenues from stores in French overseas territories: 61% of sales
- Opening of three new Nature & Découvertes stores.
- Opening of the vente-unique.com e-commerce platform in France.
Anjou agritech Aptimiz raises €3 million | Aptimiz raises €3 million in Anjou - 16/05/2023
- Year Aptimiz was founded: 2018
- 3 founders: Matthieu Carpentier, Armand Sachot and Simon Denonnain
- Team size: 12 people
- Number of end users in France: 1,500
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