Análise das fintechs de crédito no Sistema financeiro nacional e suas características atuais

Abstract

The present work aims to analyze the process of introduction of credit fintechs in the National Financial System and their current characteristics, specifying the authorized modalities to operate in Brazil. This analysis gains importance given the growth of credit fintechs and recent regulations by the National Monetary Council (CMN). The structure of the work comprises three chapters. The first chapter addresses the National Financial System, specifying the normative, supervisory, and operating entities it comprises, as well as where credit fintechs fit within this framework. The second chapter specifically delves into the creation process of credit fintechs and the modalities authorized by the Central Bank, such as Direct Credit Company (SCD) and Peer-to-Peer Lending Company (SEP). It also presents a comparison between credit fintechs and Simplified Credit Companies (ESC). Finally, the third chapter presents the current context of credit fintechs and assesses whether their objectives are being achieved. The research adopts a qualitative methodology supported by bibliographic, scientific, and documentary sources, focusing on data from the Central Bank's information system and CMN resolutions to illustrate the regulation of credit fintechs in the Brazilian context. Through this study, it is concluded that credit fintechs facilitate increased access to credit for segments that previously faced difficulties in obtaining it. However, despite the benefits resulting from their operations, there is still a need for greater credit availability for micro and small enterprises.