| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 1.18 MB | Adobe PDF |
Authors
Advisor(s)
Abstract(s)
No âmbito do Mestrado em Análise Financeira, no Instituto Superior de Contabilidade e Administração de Lisboa, que possibilita aos alunos no segundo ano de Mestrado a oportunidade de efetuar um estágio numa empresa e área relacionada com o Mestrado, optei por realizar um relatório de estágio como trabalho final.
A empresa na qual tive a oportunidade de estagiar 6 meses, de 10/09/19 a 09/03/2019, foi a Caixa Leasing e Factoring S.A. inserida no Grupo da Caixa Geral de Depósitos, com um peso enorme no crédito especializado em Portugal, a qual tem verificado um crescimento significativo nos produtos de crédito especializado que coloca à disposição dos seus clientes.
Muitas são as entidades que recorrem a crédito especializado, principalmente empresas na fase inicial, uma vez que não conseguem obter facilmente crédito nas instituições bancárias e recorrem a alternativas para conseguirem colmatar as suas necessidades e crescer no mercado.
O Leasing, o Factoring e o Crédito Automóvel são alternativas viáveis, nos quais a lista de requisitos não é tão extensa para aprovação e a concessão de crédito torna-se mais fácil. Ao longo dos anos tem-se vindo a registar um crescimento acentuado das entidades que recorrem ao crédito especializado a nível mundial.
Associado a este tipo de operações bancárias encontram-se temas como o Branqueamento de Capitais e Financiamento do Terrorismo. A par do contínuo desenvolvimento global, os crimes de BC e FT têm sido uma constante, no que toca à evolução dos métodos utilizados para os concretizar e no que diz respeito aos efeitos irreparáveis que têm trazido à economia mundial.
As instituições financeiras encontram-se, cada vez mais, sobrecarregadas com políticas e procedimentos de prevenção e controlo, assim como sob o olhar atento de todas a entidades responsáveis pela supervisão e cumprimento de todos os normativos legais.
As part of the Master in Financial Analysis, at Instituto Superior de Contabilidade e Administração de Lisboa, which gives students, in the second year of the Master, the opportunity to undertake an internship in a company and area related to the Master, I chose to carry out an internship report as final work. The company in which I had the opportunity to be na intern for 6 months, from 10/09/19 to 03/09/2019, was Caixa Leasing e Factoring SA inserted in the Caixa Geral de Depósitos Group, with a huge weight in specialized credit in Portugal, which has seen a significant growth in specialized credit products available to its customers. There are many entities who resort to specialized credit, mainly companies in the initial phase, since they cannot easily obtain credit from banking institutions and resort to alternatives to be able to meet their needs and grow in the market. Leasing, factoring and car credit are viable alternatives, in which the list of requirements is not so long for approval and the granting of credit becomes easier. Over the years, there has been a marked growth in the number of entities that use specialized credit worldwide. Associated with this type of banking operations are topics such as Money Laundering and Financing of Terrorism. Alongside the continuous global development, the crimes of Money Laundering and Terrorism Financing have been a constant, with regard to the evolution of the methods used to achieve them and with regard to the irreparable effects that they have brought to the world economy. Financial institutions are increasingly burdened with prevention and control policies and procedures, as well as the watchful eyes of all entities responsible for supervising and complying with all legal regulations.
As part of the Master in Financial Analysis, at Instituto Superior de Contabilidade e Administração de Lisboa, which gives students, in the second year of the Master, the opportunity to undertake an internship in a company and area related to the Master, I chose to carry out an internship report as final work. The company in which I had the opportunity to be na intern for 6 months, from 10/09/19 to 03/09/2019, was Caixa Leasing e Factoring SA inserted in the Caixa Geral de Depósitos Group, with a huge weight in specialized credit in Portugal, which has seen a significant growth in specialized credit products available to its customers. There are many entities who resort to specialized credit, mainly companies in the initial phase, since they cannot easily obtain credit from banking institutions and resort to alternatives to be able to meet their needs and grow in the market. Leasing, factoring and car credit are viable alternatives, in which the list of requirements is not so long for approval and the granting of credit becomes easier. Over the years, there has been a marked growth in the number of entities that use specialized credit worldwide. Associated with this type of banking operations are topics such as Money Laundering and Financing of Terrorism. Alongside the continuous global development, the crimes of Money Laundering and Terrorism Financing have been a constant, with regard to the evolution of the methods used to achieve them and with regard to the irreparable effects that they have brought to the world economy. Financial institutions are increasingly burdened with prevention and control policies and procedures, as well as the watchful eyes of all entities responsible for supervising and complying with all legal regulations.
Description
Mestrado em Análise Financeira
Keywords
Leasing Factoring Branqueamento de capitais Financiamento do terrorismo Beneficiário efetivo Leasing Factoring Money laundering Terrorism financing Beneficial owner
Citation
Pinto, S. R. C. (2021) Caixa Leasing e Factoring S. A. (Dissertação de mestrado não publicada). Instituto Politécnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. Disponível em http://hdl.handle.net/10400.21/15252