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Authors
Advisor(s)
Abstract(s)
A crise financeira de 2007/2008 teve a sua origem no mercado de crédito hipotecário de alto risco dos Estados Unidos da América (EUA), também conhecido como mercado subprime, tendo sido considerada a maior crise económica e financeira após a Grande Depressão de 1929. A globalização e a ausência de transparência em determinados produtos financeiros foram as condições base para o efeito dominó que espalhou a crise pelo mercado internacional. Neste sentido a crise com origem nos EUA afetou toda a economia internacional, não se limitando apenas ao mercado imobiliário.
Portugal atravessou sérias dificuldades após os despoletar da crise, e como tal as instituições financeiras e o mercado automóvel também sofreram as consequências da crise. Neste sentido, esta dissertação pretende analisar qual o efeito da crise no setor automóvel, nomeadamente, na venda de viaturas novas e qual o efeito sentido na concessão de crédito, no período compreendido entre 2005 e 2015, em Portugal.
Como tal o risco de crédito e a sua gestão assumem um papel importante nesta dissertação, para que se possa compreender a pressão a que se encontram sujeitas as instituições financeiras, e quais as alterações e medidas recomendadas pelos Acordos de Basileia.
Com este estudo, conclui-se que em 2015 o mercado automóvel e o crédito concedido, ainda não recuperaram totalmente da crise, estando também a ser alvo da saturação do mercado e envelhecimento da população.
The Financial Crises of 2007/2008 originated in the USA subprime mortgage market, and was considered the largest economic and financial crisis after the Great Depression of 1929. Globalization and lack of transparency in certain financial products were the basic conditions for the domino effect that spread the international market. In this sense, the US-origin crisis affected the entire international economy, subprime mortgage market. Portugal faced serious difficulties due to the crisis, and as such financial institutions and the automotive market also suffered the consequences of the crisis. In this sense, this dissertation intends to analyze the effect of the crisis in the automobile sector, namely, on the sale of new cars and what effect the credit granted, between 2005 and 2015, in Portugal. As such, credit risk and its management play an important role in this dissertation, in order to understand the pressure on Financial Institution, and what changes and measures have been recommended by the Basel Accords. With this study, it is concluded that in 2015 the automobile market and credit granted have not yet fully recovered from the crisis, but are also being the target of market saturation and aging of the population.
The Financial Crises of 2007/2008 originated in the USA subprime mortgage market, and was considered the largest economic and financial crisis after the Great Depression of 1929. Globalization and lack of transparency in certain financial products were the basic conditions for the domino effect that spread the international market. In this sense, the US-origin crisis affected the entire international economy, subprime mortgage market. Portugal faced serious difficulties due to the crisis, and as such financial institutions and the automotive market also suffered the consequences of the crisis. In this sense, this dissertation intends to analyze the effect of the crisis in the automobile sector, namely, on the sale of new cars and what effect the credit granted, between 2005 and 2015, in Portugal. As such, credit risk and its management play an important role in this dissertation, in order to understand the pressure on Financial Institution, and what changes and measures have been recommended by the Basel Accords. With this study, it is concluded that in 2015 the automobile market and credit granted have not yet fully recovered from the crisis, but are also being the target of market saturation and aging of the population.
Description
Mestrado em Contabilidade e Gestão das Instituições Financeiras
Keywords
Crise financeira Setor automóvel Crédito concedido Risco de crédito Acordos de Basileia Financial crisis Automobile sector Credit granted Credit risk Basel Accords
Citation
José, A. C. S. (2018) Qual o efeito da crise no setor automóvel? (Dissertação de mestrado não publicada). Instituto Politécnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. Disponível em http://hdl.handle.net/10400.21/16335