O impacto da regulação das taxas de juros do mercado de crédito
Arquivos
Data
2023-12-11
Autores
Aquino, Giovanna Lira de 
Orientadores
Catapani, Márcio Ferro
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Desde 1995, o Banco Central do Brasil exerce um papel regulatório nas taxas de juros do mercado de crédito, tornando a oferta de crédito mais competitiva. A pesquisa aborda o mercado de crédito, considerando variáveis como a taxa SELIC, taxas de operações de crédito, com o foco na limitação de taxas em dois produtos, o cheque especial (crédito rotativo) e empréstimo consignado para aposentados (crédito parcelado), ambos associados a consumidores vulneráveis. A hipótese central é que a regulamentação pode contribuir para reduzir a desigualdade econômica, promovendo uma inclusão financeira saudável e evitando o endividamento de públicos de baixa renda.
Since 1995, the Central Bank of Brazil has played a regulatory role in interest rates in the credit market, making the supply of credit more competitive. The research addresses the credit market, considering variables such as the SELIC rate, credit transaction rates, with a focus on limiting rates in two products, the special check (revolving credit) and payroll loan for retirees (installment credit), both associated with vulnrable consumers. The central hypothesis is that regulation can contribute to reducing economic inequality, promoting healthy financial inclusion and avoiding debt among low-income populations.
Since 1995, the Central Bank of Brazil has played a regulatory role in interest rates in the credit market, making the supply of credit more competitive. The research addresses the credit market, considering variables such as the SELIC rate, credit transaction rates, with a focus on limiting rates in two products, the special check (revolving credit) and payroll loan for retirees (installment credit), both associated with vulnrable consumers. The central hypothesis is that regulation can contribute to reducing economic inequality, promoting healthy financial inclusion and avoiding debt among low-income populations.