As Empresas Simples de Crédito como alternativa na concessão de Crédito às Micro e Pequenas Empresas - MPE

• Autor(a) principal: do Nascimento Felizardo, Ana Carolina
• Data de Publicação: 2021
• Outros Autores: Pinheiro Casanova Vargas, Kelvin, da Silva Bortoli, Lorrainy Kelly, Vieira, Eloir Trindade Vasques, Bennett, Fortunato
• Tipo de documento: Artigo
• Idioma: por
• Título da fonte: REMIPE
• Texto Completo: https://remipe.fatecosasco.edu.br/index.php/remipe/article/view/308
• topic: credito; ANÁLISE DE CRÉDITO; EMPRESA SIMPLES DE CRÉDITO (ESC)

This article reported on the granting of credit through Complementary Law 167/2019, which sanctioned the creation of Empresa Simples Crédito (ESC) which, in turn, led to the premise of facilitating obtaining loans and financing for micro and small companies . Bearing in mind that SMEs are of great relevance in the economic scenario and lack loans and financing to establish themselves economically, in practice, the relationship between financial institutions and MEPs is limiting due to (in part) the bureaucratization and burden of the Financial System (SFN) regarding the granting of credit to small business owners (SEBRAE, 2018). The general objective was to present Simple Credit Companies as a possible alternative in the credit scenario for micro and small companies; specifically, the focus of the work was to analyze the historical evolution of credit for SMEs in Brazil; highlight the importance of credit analysis; and, demonstrate whether ESCs will have the capacity to facilitate lending.