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Dynamiques de consommation dans la crise : les enseignements en temps réel des données bancaires

Author

Listed:
  • David Bounie

    (IP Paris - Institut Polytechnique de Paris, ECOGE - Economie Gestion - I3 SES - Institut interdisciplinaire de l’innovation de Telecom Paris - Télécom Paris - IMT - Institut Mines-Télécom [Paris] - IP Paris - Institut Polytechnique de Paris - I3 - Institut interdisciplinaire de l’innovation - CNRS - Centre National de la Recherche Scientifique, SES - Département Sciences Economiques et Sociales - Télécom Paris - IMT - Institut Mines-Télécom [Paris] - IP Paris - Institut Polytechnique de Paris)

  • Youssouf Camara

    (Télécom ParisTech)

  • Etienne Fize

    (Institut d'Études Politiques [IEP] - Paris, CAE - Conseil d'analyse économique)

  • John Galbraith

    (McGill University = Université McGill [Montréal, Canada])

  • Camille Landais

    (LSE - London School of Economics and Political Science)

  • Chloé Lavest

    (CAE - Conseil d'analyse économique)

  • Tatiana Pazem

    (LSE - London School of Economics and Political Science)

  • Baptiste Savatier

    (CAE - Conseil d'analyse économique)

Abstract

Le contexte inédit de la crise sanitaire a renforcé le besoin de mobiliser des sources de données « en temps réel », c'est‐à‐dire très rapidement disponibles, suffisamment représentatives et détaillées afin de pouvoir décrire les hétérogénéités des situations durant la crise. À ce titre, les données bancaires sont particulièrement riches. Grâce à des partenariats noués entre le CAE et le Groupement des Cartes Bancaires CB, Télécom Paris (dans le cadre de la Chaire « Finance Digitale » placée sous l'égide de la Fondation du Risque en partenariat avec le Groupement Cartes Bancaires CB, Telecom ParisTech et l'Université Panthéon‐Assas), et Crédit Mutuel Alliance Fédérale, que nous remercions tous ,un travail de recherche original a été rendu possible en s'appuyant sur ces données. L'accès à ces données agrégées et strictement anonymisées s'est effectué dans une procédure sécurisée (voir encadré). Les données de transactions par cartes bancaires permettent de construire un baromètre de la consommation des ménages puisqu'elles en couvrent environ 60 % (hors charges fixes). Elles permettent également de produire des analyses sectorielles et géographiques et des hétérogénéités entre les ménages. Les données de comptes bancaires Crédit Mutuel Alliance Fédérale, sur la base d'un échantillon de 300 000 ménages strictement anonymisés, permettent d'aller plus loin dans l'analyse en disposant d'informations sur les dépenses des ménages (achats par cartes bancaires, retraits d'espèces, chèques et prélèvements) et sur les soldes des comptes (compte courant, compte d'épargne, compte titre, assurance vie, crédits). Avec de telles données, il est ainsi possible notamment d'étudier la dynamique de l'épargne globale, et selon différentes catégories de ménages.

Suggested Citation

  • David Bounie & Youssouf Camara & Etienne Fize & John Galbraith & Camille Landais & Chloé Lavest & Tatiana Pazem & Baptiste Savatier, 2020. "Dynamiques de consommation dans la crise : les enseignements en temps réel des données bancaires," Working Papers hal-02972885, HAL.
    • Handle: RePEc:hal:wpaper:hal-02972885
    Note: View the original document on HAL open archive server: https://hal.science/hal-02972885v1
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    References listed on IDEAS

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    1. David Bounie & Youssouf Camara & John Galbraith, 2020. "Consumers’ Mobility, Expenditure and Online-Offline Substitution Response to COVID-19: Evidence from French Transaction Data," Cahiers de recherche 14-2020, Centre interuniversitaire de recherche en économie quantitative, CIREQ.
    2. Eika, Lasse & Mogstad, Magne & Vestad, Ola L., 2020. "What can we learn about household consumption expenditure from data on income and assets?," Journal of Public Economics, Elsevier, vol. 189(C).
    3. Asger Lau Andersen & Emil Toft Hansen & Niels Johannesen & Adam Sheridan, 2022. "Consumer responses to the COVID‐19 crisis: evidence from bank account transaction data," Scandinavian Journal of Economics, Wiley Blackwell, vol. 124(4), pages 905-929, October.
    4. Scott R Baker & Robert A Farrokhnia & Steffen Meyer & Michaela Pagel & Constantine Yannelis & Jeffrey Pontiff, 0. "How Does Household Spending Respond to an Epidemic? Consumption during the 2020 COVID-19 Pandemic," The Review of Asset Pricing Studies, Society for Financial Studies, vol. 10(4), pages 834-862.
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    1. Or, Zeynep & Gandré, Coralie & Durand Zaleski, Isabelle & Steffen, Monika, 2022. "France's response to the Covid-19 pandemic: between a rock and a hard place," Health Economics, Policy and Law, Cambridge University Press, vol. 17(1), pages 14-26, January.
    2. Baddou Saïda & Jérôme Coffinet & Cécile Fraysse & Stéphane Jarrijon, 2021. "The French life insurance market during the health crisis [Le marché de l’assurance-vie en France pendant la crise sanitaire]," Bulletin de la Banque de France, Banque de France, issue 238.
    3. Julien Albertini & Xavier Fairise & Arthur Poirier & Anthony Terriau, 2022. "Short-Time Work Policies During the Covid-19 Pandemic," Annals of Economics and Statistics, GENES, issue 146, pages 123-172.

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