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Advisor(s)
Abstract(s)
O tema deste trabalho de investigação é o impacto da crise financeira de 2008 no negócio do crédito bancário e nas sociedades de garantia mútua portuguesas. Com a elaboração desta dissertação pretende-se analisar a evolução da concessão de crédito em Portugal, a evolução do negócio das sociedades de garantia mútua num período antecedente e posterior à crise financeira de 2008 e os principais setores de atividade afetados pela mesma. De forma a avaliar-se o efeito que a crise financeira desencadeou na atividade das sociedades de garantia mútua, recorreu-se aos dados fornecidos pelos Sistema Português de Garantia Mútua (SPGM) e à análise estatística da variância ANOVA. Através do estudo realizado, conclui-se que os indicadores analisados antes da crise financeira demonstravam um comportamento completamente diferente aos demonstrados no período pós crise. As sociedades de garantia mútua aumentaram exponencialmente o número de garantias emitidas e facilitaram o acesso ao financiamento a um grande número de empresas, contribuindo simultaneamente para a criação de emprego. Concomitantemente as instituições bancárias aumentaram as suas exigências na concessão de crédito, verificando-se consequentemente uma contração na concessão às empresas do tecido empresarial português.
The main theme of the investigation work is the impact of the financial crisis of 2008 on the bank credit and on the Portuguese societies of mutual guarantees. With the elaboration of this dissertation it is intended to evaluate the grant of credit in Portugal, the evolution of the societies of mutual guarantee business, before and after the financial crisis of 2008 and the main sectors affected by that. On the last step we pretend to evaluate the effect that financial crisis has triggered on the mutual guarantee societies business. To give a response for that question we used the data of Portuguese Mutual Guarantee System (PMGS) and the variance statistical analysis (ANOVA). After the study, it was concluded that indicators analyzed before the financial crisis showed up a different behavior of those after the crisis. The mutual guarantee societies raised exponentially their number of issued guarantees and had facilitated the access to financing to a huge number of companies, contributing simultaneous to the creation of job places. Simultaneous, banks raised their requirements on the credit grant resulting in a contraction in the concession to companies of the Portuguese business fabric.
The main theme of the investigation work is the impact of the financial crisis of 2008 on the bank credit and on the Portuguese societies of mutual guarantees. With the elaboration of this dissertation it is intended to evaluate the grant of credit in Portugal, the evolution of the societies of mutual guarantee business, before and after the financial crisis of 2008 and the main sectors affected by that. On the last step we pretend to evaluate the effect that financial crisis has triggered on the mutual guarantee societies business. To give a response for that question we used the data of Portuguese Mutual Guarantee System (PMGS) and the variance statistical analysis (ANOVA). After the study, it was concluded that indicators analyzed before the financial crisis showed up a different behavior of those after the crisis. The mutual guarantee societies raised exponentially their number of issued guarantees and had facilitated the access to financing to a huge number of companies, contributing simultaneous to the creation of job places. Simultaneous, banks raised their requirements on the credit grant resulting in a contraction in the concession to companies of the Portuguese business fabric.
Description
Mestrado em Contabilidade e Gestão das Instituições Financeiras
Keywords
Crise financeira Crédito Sociedades de garantia mútua PME Financial Crisis Credit Mutual guarantee societies SME
Citation
Cuiça, C. I. S. (2017). O impacto da crise financeira no negócio do crédito bancário e sociedades de garantias mútuas. (Dissertação de mestrado não publicada). Instituto Politécnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. Disponível em http://hdl.handle.net/10400.21/13282