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Glossary entry

French term or phrase:

taux de détention de crédits

English translation:

proportion (of households) that use credit

Added to glossary by Conor McAuley
Jan 29, 2021 10:13
3 yrs ago
29 viewers *
French term

taux de détention de crédits

French to English Bus/Financial Finance (general) Consumer credit
Hi all,

Working on a report for a provider of consumer credit, I have come across this term. They are defending the use of credit by households, in that it enables them to buy the things they need.

Les dépenses des ménages au travers du crédit s’élèvent à minima à 7% du PIB pour les cinq premières puissances économiques européennes.
Le taux de détention des crédits au global est de 47,8% en 2017 et 2018.
Le taux de détention de crédits à la consommation est de 27% (observatoire des crédits aux ménages – 2018).

Any help with this would be greatly appreciated.
David
Proposed translations (English)
4 +3 The percentage of households that use credit is...
4 +2 percentage of households with credit debt/consumer credit debt
4 percentage of credit contract holders
3 credit take-up rate
4 -2 rate of credit holdings
Change log

Feb 3, 2021 17:00: Conor McAuley Created KOG entry

Proposed translations

+3
46 mins
Selected

The percentage of households that use credit is...


Seemingly "households" in your context, otherwise "people" or "consumers".

Using credit means you borrow money to buy something.
You borrow money (with your credit card or loan).
You buy the thing you want.
You pay back that loan later – with interest.

Using Credit | Consumer.gov https://www.consumer.gov/articles/1010-using-credit

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Note added at 1 hr (2021-01-29 11:41:02 GMT)
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proportion, thanks Phil

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Note added at 5 days (2021-02-03 16:57:53 GMT) Post-grading
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Thank you David!
Peer comment(s):
agree philgoddard : You can't say "the percentage is 47.8%", but you could say "proportion ", or just "47.8% of households hold some form of credit".
22 mins
Fair comment, it is a bit awkward (brain-freeze), thanks for the correction.
agree AllegroTrans : Agree, but with Phil// it's language "blur", also happened to me when I was an expat, even among En-speakers we often used franglais without realising it
4 hrs
Thanks! Or not thanks? My head goes into a loop when I see "taux". In fairness, percentage v. proportion is stylistic, even though Phil is obviously right. / Some kind of circuitry problem! A re-read would fix it. These irritating little words!
agree SafeTex : "Households" was not part of the question but it has been cleverly added based on what follows
7 hrs
Very kind of you to say so, flattery will get you far, thanks!
Something went wrong...
4 KudoZ points awarded for this answer. Comment: "Thank you Conor, much appreciated."
-2
2 hrs

rate of credit holdings

savoir engagements sous forme de dépôts auprès des non-IFM, crédits aux non-IFM et détention de titres émis par les non-IFM). eur-lex.europa.eu
[...] balance sheet items (i.e. deposit liabilities to non-MFIs, loans to non-MFIs, and holdings of securities issued by non-MFIs).
Reference:

https://www.linguee.fr/francais-anglais/search?source=auto&query=d%C3%A9tention+de+cr%C3%A9dits://

Peer comment(s):
disagree AllegroTrans : This hasn't got anything at all to do with shares
3 hrs
disagree Daryo : a linguee search as a "reference"? which are exactly the few gems (recovered from under mountains of out-of context rubbish) that your search has produced?
13 hrs
Something went wrong...
+2
10 hrs

percentage of households with credit debt/consumer credit debt

Self-explanatory concepts
Peer comment(s):
agree Daryo
12 hrs
Thanks!
agree AllegroTrans
1 day 19 hrs
neutral Steve Robbie : "credit debt" - would you really say that?
2 days 17 hrs
Something went wrong...
16 hrs

percentage of credit contract holders

Contract holders are individuals or other entities that are designated as the owner of a debt obligation, security, or other type of segregated fund where there is the expectation of receiving some type of return in the future.

https://www.consumerprotection.govt.nz/general-help/consumer...

Peer comment(s):
neutral AllegroTrans : Not how this would be expressed in UK
1 day 14 hrs
Something went wrong...
1 day 9 hrs

credit take-up rate

... au global > overall

....Le taux de détention de crédits à la consommation > consumer credit take-up rate

Middling confidence level as take-up is a fuzzy match with détention, besides which I used to fall asleep during UK Consumer Act 1974 lectures.

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Note added at 1 jour 9 heures (2021-01-30 19:51:28 GMT)
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UK Consumer *Credit* Act 1974
Example sentence:

November 2020. In November, consumer credit increased at a seasonally adjusted annual rate of 4.4 percent. Revolving credit decreased at an annual rate of 1.0 percent, while nonrevolving credit increased at an annual rate of 6.1 percent.

Microcredit contracts, risk diversification and loan take-up.

Reference:

http://forum.wordreference.com/threads/credit-card-take-up.90139/

http://context.reverso.net/traduction/anglais-francais/take-up+rate

Something went wrong...