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Advisor(s)
Abstract(s)
Este trabalho tem como base a realização de um estudo aprofundado sobre o crédito concedido e vencido nas empresas, bem como as flutuações da taxa de juro no mercado, num período temporal de quatro anos.
O objeto da investigação centra-se no crédito ou seja, toda a sua evolução ao longo dos anos e o impacto da crise financeira na sua concessão.
De uma forma breve, pode-se sustentar que o crédito não é mais do que mecanismo de disponibilização de uma certa quantia, permitindo pagar o valor à posteriori na sua totalidade ou em parcelas.
O estudo tem como principal objetivo compreender o impacto das variáveis na atribuição do mesmo. Pretende-se através dos dados estatísticos, perceber quais os pontos que as instituições financeiras apostam para conseguirem a fidelização e cumprimento das responsabilidades do cliente, mencionando novas ideologias de ultrapassar a barreira da crise.
Pretende-se por fim, contribuir para o conhecimento do crédito e indicar a necessidade de reajustar pontos, que neste momento são influenciados por rápidos ritmos de mudança.
The foundation for this paper is a thorough study of granted and past due loans, as well as the market interest rate fluctuations on a four year timeline. The center of the investigation is credit, its evolution throughout the years as well as its impact on the financial crisis. Credit can briefly be defined as the mechanism that allows for an entity to lend a certain amount of money to another entity, that value being repaid a posteriori, either fully or in several installments. This study’s main objective is to comprehend the impact of each variable when credit is granted. It also intends to, thought statistical data, understand which are the critical aspects for the financial institutions to achieve customer loyalty, as well as their new ideologies to surpass the crisis barrier. In conclusion, this paper intends to contribute to the current knowledge of credit as well as to point out aspects that need to be readjusted, given the fast-paced rhythm of change that affects this issue.
The foundation for this paper is a thorough study of granted and past due loans, as well as the market interest rate fluctuations on a four year timeline. The center of the investigation is credit, its evolution throughout the years as well as its impact on the financial crisis. Credit can briefly be defined as the mechanism that allows for an entity to lend a certain amount of money to another entity, that value being repaid a posteriori, either fully or in several installments. This study’s main objective is to comprehend the impact of each variable when credit is granted. It also intends to, thought statistical data, understand which are the critical aspects for the financial institutions to achieve customer loyalty, as well as their new ideologies to surpass the crisis barrier. In conclusion, this paper intends to contribute to the current knowledge of credit as well as to point out aspects that need to be readjusted, given the fast-paced rhythm of change that affects this issue.
Description
Mestrado em Contabilidade e Gestão das Instituições Financeiras
Keywords
Crédito Crédito concedido e vencido Empresas Crise financeira e instituições financeiras Credit Granted and past due loans Company Financial crisis and financial institutions