Análise de crédito nas instituições financeiras e sua relação com a inadimplência nas operações de crédito a pessoa jurídica no ano de 2012

Abstract

The present work has as main object analysis loan grating for Brazilians companies, and its reflex on delinquency on the year of 2012, though commercial banks and financial institutions and its results on delinquency levels. Credit is very important to increase consumption of a country however, if not well loan, it may become a huge problem for the banks because delinquency impact directly on its results. The year of 2012 was marked by a new economic scenario on Brazil. To compose this work was presented as theoretical background, bibliographic research with information related to analysis and credit politics for Brazilians companies, concepts and definitions of credit, credit risks and detailed credit portfolio according to ‘Banco Central do Brasil’ determination and delinquency levels. As results of this work, it was possible to observe delinquency levels on 2012 and what it represents on financial institution and commercial banks results.