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Financial exclusion in France

National report. Financial exclusion in France. Elodie DEBEUF Aurélien LAFAGE Maxime ROUGIER. LLP-ERASMUS Intensive Programme 2014. Contents. Introduction 1. Level and structure 2. Causes and consequences 3. Government role 4. Institutions and their actions

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Financial exclusion in France

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  1. National report Financial exclusionin France Elodie DEBEUF Aurélien LAFAGE Maxime ROUGIER LLP-ERASMUS Intensive Programme 2014

  2. Contents Introduction 1. Level and structure 2. Causes and consequences 3. Governmentrole 4. Institutions and their actions 5. Otheractivities 6. CRESUS Conclusion

  3. Introduction “Financial exclusion refers to a process whereby people encounter difficulties accessing and/or using financial services and products in the mainstream market that are appropriate to their needs and enable them to lead a normal social life in the society in which they belong.” • 500 000 householdswhose are akin to over-indebtedness • A need to conductresearches

  4. 1. Level and structure “2% of the France population is financially excluded” • Some groups of people way more affected : • Sick people • Low incomes • Unemployed • Lone parents • Disabled people • Youngest and oldest people • Ethnic minorities and migrants • Women VS Men

  5. 2. Causes and consequences Causes • Societal factors • Structural changes in labour markets • The role of social assistance programs • Demographic changes • Income inequality Consequences 2 main dimensions : • Affect the way in which individuals can raise, allocate and use their monetary resources. • Social consequences are generated

  6. 3. Governmentrole • Multi-year plan againstpoverty and for social inclusion Reducing the disparities : • Implement mechanism to detect financial difficulties • Struggling against the accumulation of bank fees • National register of consumption credits Fostering inclusion : • Strengthening the right to bank account • Developing a network of “budget advice points” • Improving the treatment of the over-indebtedness process

  7. 3. Governmentrole • Multi-year plan againstpoverty and for social inclusion Coordinating the social action : • Creating an observatory of financial inclusion • Main laws related to financial exclusion • To separate and regulate the banking activities • Project of law on consumption

  8. 4. Institutions and their actions • The Association for the Right to Economic Initiative • The French Bank Users Association (AFUB in French)

  9. 4. Institutions and their actions • The Association Bartholomé MASUREL (BM) • The National Observatory concerning Poverty and Social Exclusion

  10. 5.1 Otheractivities : “The Initiative Against Banking Exclusion” Excluded people

  11. 5.2 Otheractivities : “The foundation Grameen Credit Agricole”

  12. 6. CRESUS • Logo and description : • Alsace (France) • Welcome, listen, guide people who are over-indebted ; • In 3 years : 18 associations in 14 regions • Website : • Activities : • Conferences to prevent people from the over-indebtedness • Trainings

  13. Conclusion • Actors : • Creatingpolicies, takingmeasures and informing • Lack of statistics in France : studies have to beconducted

  14. National report Thankyou for your attention !! Elodie DEBEUF Aurélien LAFAGE Maxime ROUGIER LLP-ERASMUS Intensive Programme 2014

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