Análise do crédito bancário à Pessoa Física no Brasil de 1994 a 2004

Abstract

The main objective of this work is to evaluate the dynamic of consumer credit lending after the Real Plan. A wellspring of information for this thesis was both an intense scientific and empirical research and also the authors professional experience. That subject current bibliography, mainly those concentrated on consumer credit lending, is poor. There is a plenty of analysis concerning the low credit granting in brazilian economy and their structural obstacles such as the high interest rates, the banking intermediation spread, the fiscal issues, etc. However, there is insufficient highlight - especially after the Real Plan period - on consumer credit granting process. In that sense, this work is focused on indicating the dimension of this dynamic, advocating that it was an ran- away movement of banking industry due to that period economic context. Nevertheless, the consumer credit lending became a relevant business to brazilian banks as the Central Bank assigned some improvements and enhanced the credit market juridical framework. Moreover, it is demonstrated that besides the expansion of consumer credit lines, it is observed a improvement of credit portfolio management techniques. Hence, it is concluded that although there is many issues to be solved regarding the credit lending business in Brazil, the recent enhancement of consumer lending and also their management process, is noteworthy.