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Authors
Advisor(s)
Abstract(s)
O setor bancário está particularmente sujeito à ocorrência de fraudes,
principalmente, internas. Reconhecendo esta realidade, o presente trabalho tem como
principal objetivo avaliar, até que ponto, a implementação da ISO 9001(Certificação de
sistemas de gestão da qualidade), no setor bancário, mais propriamente na concessão de
crédito, é uma vantagem, uma vez que este influencia não só a liquidez concedida às
empresas como o nível de pricing, algo mais frequente nas Pequenas e Médias Empresas
(PME) do que nas Grandes Empresas (GE). Com os cenários de crise e escândalos ligados
a esta temática, as entidades reguladoras como o Banco de Portugal (BP) e a European
Banking Authority (EBA), procuram que os Bancos sejam mais eficientes na gestão de
risco de crédito.
Com base nas regulamentações emitidas por estes dois reguladores e com os
requisitos necessários para a implementação da ISO 9001, procuro estudar o
conhecimento de profissionais que trabalham na área sobre esta certificação, assim como,
perceber se a acham vantajosa pois, teoricamente, através desta certificação as instituições
financeiras e concessoras de crédito, teriam mais uma garantia de segurança da custódia
dos depósitos dos seus clientes, não comprometendo a sua atividade e aumentando o seu
valor no mercado.
A análise será realizada através da condução de entrevistas, análise de
documentação e observação do funcionamento do Departamento.
Concluímos através desta dissertação e tudo o que a ela concerne, que não há ainda
muito conhecimento sobre a ISO 9001 contudo, após os colaboradores terem uma breve
explicação do que se trata, consideram-na uma grande vantagem para a instituição.
Este trabalho constitui uma mais valia dada a existência de poucos estudos
científicos desenvolvidos a nível global sobre a implementação da ISO 9001 no
departamento de concessão de crédito.
consideration this assignment aims to implement the ISO 9001(Certification of the quality of the management systems), in the banking sector with special attention to the Concession and risk management department, since it influences not only the liquidity provided to the companies but also the level of pricing, something that is more frequent in smaller firms rather than big companies. This topic is correlated to scenarios of crises and scandals so the regulatory authorities such as Banco de Portugal (BP) and European Banking Authority (EBA) aim that banks are more efficient in risk credit management. Having in consideration both the regulations issued by this entities as well as the requirements needed to implement the ISO 9001, the goal is to study the knowledge that the professionals working in this area have since in theory, this would be an advantage since by doing this the financial institutions and the credit grantors have one more safety/ security guarantee regarding the customer’s deposits, without compromising their activity and increasing their value in the market. The analysis will be made through interviews, documentation analysis and observation of the normal functioning of the department. The conclusion retained by doing this research, is that the majority of people does not know about ISO 9001, however, after a brief explanation the employees consider an added value. This assignment has been asset given the existence of few scientific studies regarding the implementation of the ISO 9001 in the department responsible for authorizing the credit concession.
consideration this assignment aims to implement the ISO 9001(Certification of the quality of the management systems), in the banking sector with special attention to the Concession and risk management department, since it influences not only the liquidity provided to the companies but also the level of pricing, something that is more frequent in smaller firms rather than big companies. This topic is correlated to scenarios of crises and scandals so the regulatory authorities such as Banco de Portugal (BP) and European Banking Authority (EBA) aim that banks are more efficient in risk credit management. Having in consideration both the regulations issued by this entities as well as the requirements needed to implement the ISO 9001, the goal is to study the knowledge that the professionals working in this area have since in theory, this would be an advantage since by doing this the financial institutions and the credit grantors have one more safety/ security guarantee regarding the customer’s deposits, without compromising their activity and increasing their value in the market. The analysis will be made through interviews, documentation analysis and observation of the normal functioning of the department. The conclusion retained by doing this research, is that the majority of people does not know about ISO 9001, however, after a brief explanation the employees consider an added value. This assignment has been asset given the existence of few scientific studies regarding the implementation of the ISO 9001 in the department responsible for authorizing the credit concession.
Description
Keywords
Risco Crédito ISO 9001 Gestão de qualidade Bancos Risk Credit Quality management Banks