Análise comparativa entre instituições bancárias tradicionais e bancos comunitários

Abstract

Community banks are financial institutions that aim to provide less bureaucratic access to financial products for a portion of the population with lower purchasing power. In accordance with the premises of the popular economy of solidarity, which bases them, these banks are located in communities of periphery, and has as differential the use of the social currency and the solidary endorsement. In contrast, and with a slightly different bias, we also bring commercial banks, which offer similar products, but with another criterion of credit analysis for the concession of these financial products. Thus, this work has the purpose of making a comparative analysis on the ways of obtaining financial products and services in Brazil, considering the existing social classes. In this context, we try to show the differences and similarities between these two institutions, in order to make a parallel between the two. An examination of these operations in Brazil, however, leads to the conclusion that it is still necessary to explore more alternatives that allow greater use of resources of the financial system. In this way, a picture of the reality of banking policy offered in community banks will be presented, compared to those already practiced, by the so-called "conventional banks". In this work, the methodology used was descriptive and qualitative, using bibliographical and documentary research as a technique for collecting data. It was observed that with the implementation of this alternative of accessibility to credit, there is a boost in the local economy of communities graced by community banks, which may boost the development of the country as a whole.