taux de détention de crédits

English translation: proportion (of households) that use credit

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
French term or phrase:taux de détention de crédits
English translation:proportion (of households) that use credit
Entered by: Conor McAuley

10:13 Jan 29, 2021
French to English translations [PRO]
Bus/Financial - Finance (general) / Consumer credit
French term or phrase: taux de détention de crédits
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
David Howard
United Kingdom
Local time: 11:45
The percentage of households that use credit is...
Explanation:

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!
Selected response from:

Conor McAuley
France
Local time: 12:45
Grading comment
Thank you Conor, much appreciated.
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +3The percentage of households that use credit is...
Conor McAuley
4 +2percentage of households with credit debt/consumer credit debt
Francois Boye
4percentage of credit contract holders
Francois Boye
3credit take-up rate
Adrian MM.
4 -2rate of credit holdings
Shukla Dutta


  

Answers


2 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -2
rate of credit holdings


Explanation:
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).


    https://www.linguee.fr/francais-anglais/search?source=auto&query=d%C3%A9tention+de+cr%C3%A9dits://
Shukla Dutta
Works in field
Native speaker of: Native in EnglishEnglish

Peer comments on this answer (and responses from the answerer)
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
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10 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
percentage of households with credit debt/consumer credit debt


Explanation:
Self-explanatory concepts

Francois Boye
United States
Local time: 07:45
Specializes in field
Native speaker of: Native in FrenchFrench
PRO pts in category: 305

Peer comments on this answer (and responses from the answerer)
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
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16 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
percentage of credit contract holders


Explanation:
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...



Francois Boye
United States
Local time: 07:45
Specializes in field
Native speaker of: Native in FrenchFrench
PRO pts in category: 305

Peer comments on this answer (and responses from the answerer)
neutral  AllegroTrans: Not how this would be expressed in UK
1 day 14 hrs
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1 day 9 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
credit take-up rate


Explanation:
... 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(s):
  • 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.9...
    Reference: http://context.reverso.net/traduction/anglais-francais/take-...
Adrian MM.
Austria
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 81
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46 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +3
The percentage of households that use credit is...


Explanation:

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

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

proportion, thanks Phil

--------------------------------------------------
Note added at 5 days (2021-02-03 16:57:53 GMT) Post-grading
--------------------------------------------------

Thank you David!

Conor McAuley
France
Local time: 12:45
Specializes in field
Native speaker of: English
PRO pts in category: 127
Grading comment
Thank you Conor, much appreciated.

Peer comments on this answer (and responses from the answerer)
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!
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