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            <title xml:lang="fr">Richesse immobilière et encours des prêts immobiliers : Quelles divergences territoriales aujourd’hui ?</title>
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                <forename type="first">Arnaud</forename>
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            <idno type="stamp" n="UNIV-DAUPHINE">Université Paris Dauphine - Paris IX</idno>
            <idno type="stamp" n="DRM">Dauphine Recherches en Management</idno>
            <idno type="stamp" n="DRM-DAUPHINE" corresp="UNIV-DAUPHINE">DRM (Dauphine Recherches en Management)</idno>
            <idno type="stamp" n="PSL">Université Paris sciences et lettres</idno>
            <idno type="stamp" n="UNIV-DAUPHINE-PSL" corresp="PSL">Université Paris Dauphine - PSL</idno>
            <idno type="stamp" n="RIATE-ATE">Réseau interdisciplinaire pour l’aménagement et la cohésion des territoires de l’Europe et de ses voisinages - Aménagement du territoire Européen</idno>
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                <title xml:lang="fr">Richesse immobilière et encours des prêts immobiliers : Quelles divergences territoriales aujourd’hui ?</title>
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                <title level="j">Revue d'économie financière</title>
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                <term xml:lang="fr">prix immobiliers</term>
                <term xml:lang="fr">assouplissement quantitatif</term>
                <term xml:lang="fr">économie régionale</term>
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              <p>Since 2015 and the beginning of the Quantitative Easing policy by the European Central Bank, the residential loans stock increased by 17 % in France, while the residential wealth just increased by 2,4 %. French departments where the residential wealth decreases and in the same time the total amount of credit increases by more than 17 % are not scarce. This article documents a variety of regional situations : appropriate financing, under-financing, over-financing or absence of voluntarist policy. Whether it be in terms of financial stability or territorial planning, identifying the territories of the wealth-credit divergence is a crucial issue.</p>
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              <p>Depuis 2015 et l'enclenchement du quantitative easing de la Banque centrale européenne, l'encours des crédits immobiliers a augmenté de 17 % en France, alors que le parc de logements ne s'est apprécié que de 2,4 %. Les cas de départements perdant de la valeur immobilière, mais dont l'encours de crédit augmente plus que la moyenne française, ne sont pas des exceptions. Cet article laisse entrevoir une diversité de situations régionales avec des cas de financements adéquats, des cas de sous-financements, de sur-financements ou encore des absences de politiques volontaristes. Que ce soit en termes de stabilité financière ou de réaménagement territorial, l'identification des territoires de la divergence richesse-crédit est un enjeu d'importance.</p>
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