A importância da análise de crédito bancário no controle da inadimplência: uma descrição a partir dos mecanismos estabelecidos no sistema financeiro nacional brasi - leiro.

Abstract

The theme of this work is the importance of bank credit analysis in the control of default, based on a description of the mechanisms established by the Brazilian national financial system. A description of the monetary, financial and credit system will be presented, starting with bank credit risk management and then the control and prevention of default and a practical example of the largest banks, with the general objective of describing the importance of credit analysis in the control of default, based on the mechanisms established in the Brazilian National Financial System. As for the methodological procedures adopted, the research carried out for the construction of this monograph was bibliographical and documental, based on a survey of academic works, information on specialized sites on the subject and documents that subsidized the understanding of the key points of the theme in question. Therefore, as a result, it is recognized that credit is essential to contemporary society and, nowadays, the use of credit has been increasingly recurrent, due to providing greater purchasing power to the customer. However, credit presupposes a relationship of trust, so that obtaining it depends on a non-default and punctual behavior by the borrower with the contracted debts. The granting of credit, on the other hand, is a decision of the institution to refuse or not the client's request, and such decision-making must be based on the criteria presented throughout this work, having as a parameter, the search for the minimization of risk and default is the axis main banks.