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Abstract(s)
Os bancos são intermediários que procedem à captação de dinheiro junto do público em
geral e que depois distribuem como empréstimo. Ao ceder dinheiro sob a forma de
empréstimo existe sempre a possibilidade de que a dívida contraída não seja paga. Surge
neste contexto o risco de crédito, que consiste na possibilidade do devedor não conseguir
cumprir com o pagamento da sua dívida.
Este estudo tem como objetivo estudar o risco de crédito ao nível do financiamento
bancário e como este risco é gerido pelas instituições de dois países: Portugal e
Venezuela. A escolha destes dois países tem também como objetivo perceber se existem
diferenças ou semelhanças entre o nível de risco de um país desenvolvido e um país em
desenvolvimento. Pretende-se também estudar quais os impactos dos acordos de Basileia
na mitigação do risco de crédito nestes dois países.
Optou-se por uma metodologia quantitativa, sendo a recolha de dados efetuada com
recurso a questionários. Foi elaborado um questionário para cada país estudado, de forma
a apurar as diferenças ou semelhanças entre eles.
Neste estudo foi possível perceber que a mitigação do risco de crédito, seja através de
garantias ou das medidas implementadas nos acordos de Basileia é fundamental para as
instituições bancárias.
Banks are intermediaries that raise money from the general public and then distribute it as a loan. When lending money, there is always the possibility that the debt will not be repaid. In this context, credit risk arises, which consists of the possibility that the debtor will not be able to fulfil their debt. The aim of this study is to analyse credit risk in terms of bank financing and how this risk is managed by institutions in two countries: Portugal and Venezuela. The choice of these two countries also aims to understand whether there are differences or similarities between the level of risk in a developed country and a developing country. The aim is also to study the impact of the Basel Accords on credit risk mitigation in these two countries. Quantitative analysis by questionnaire was the methodology adopted. A questionnaire was carried out for each country studied in order to ascertain the differences or similarities between them. In this study it was possible to realise that credit risk mitigation, whether through guarantees or the measures implemented in the Basel agreements, is fundamental for banking institutions.
Banks are intermediaries that raise money from the general public and then distribute it as a loan. When lending money, there is always the possibility that the debt will not be repaid. In this context, credit risk arises, which consists of the possibility that the debtor will not be able to fulfil their debt. The aim of this study is to analyse credit risk in terms of bank financing and how this risk is managed by institutions in two countries: Portugal and Venezuela. The choice of these two countries also aims to understand whether there are differences or similarities between the level of risk in a developed country and a developing country. The aim is also to study the impact of the Basel Accords on credit risk mitigation in these two countries. Quantitative analysis by questionnaire was the methodology adopted. A questionnaire was carried out for each country studied in order to ascertain the differences or similarities between them. In this study it was possible to realise that credit risk mitigation, whether through guarantees or the measures implemented in the Basel agreements, is fundamental for banking institutions.
Description
Keywords
Financiamento Risco Risco de crédito Gestão do crédito bancário Financing Bank credit management Risk Credit risk