A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012
Autor(a) principal: | |
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Data de Publicação: | 2016 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | http://hdl.handle.net/10438/16194 |
Resumo: | The interest rates charged by banks have been constantly criticized by the public opinion and are a source of concern for the government. One reason for these high rates, more than the high level of the SELIC base interest, is the high spreads charged by banks. One way to try to reduce the level of spreads is to increase competitiveness among banks. However, one of the supposed difficulties to achieve a higher level of competition is the degree of banking concentration in Brazil today. In this sense, the Brazilian government pressured the banking market to reduce their spreads and rates during the first half of 2012, a period of apparent macroeconomic stability and strong decrease in the SELIC rate. The pressure exerted by the government was effective initially on public banks, and later on private banks, which publicly announced the reduction of fees for various operations. This study aimed to understand the size and sources of the effects of the government's position on the spreads and profitability of the largest Brazilian banks. As a result, there was the effectiveness of government action in reducing the spread ex post, profitability of loans (a proxy for the rate), and the overall profitability of public and private banks. Nevertheless, there was a decrease by private banks to grant credit, pointing to the market power of these institutions and raising doubts about the actual ability of the use of public banks to foster greater competitiveness in an uncertain economic environment. |
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Hakim, AlexandreEscolas::EAESPBiderman, CiroCoelho, Fernando de SouzaMettenheim, Kurt von2016-03-30T13:28:09Z2016-03-30T13:28:09Z2016-02-29HAKIM, Alexandre. A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012. Dissertação (Mestrado em Administração Pública e Governo) - FGV - Fundação Getúlio Vargas, São Paulo, 2016.http://hdl.handle.net/10438/16194The interest rates charged by banks have been constantly criticized by the public opinion and are a source of concern for the government. One reason for these high rates, more than the high level of the SELIC base interest, is the high spreads charged by banks. One way to try to reduce the level of spreads is to increase competitiveness among banks. However, one of the supposed difficulties to achieve a higher level of competition is the degree of banking concentration in Brazil today. In this sense, the Brazilian government pressured the banking market to reduce their spreads and rates during the first half of 2012, a period of apparent macroeconomic stability and strong decrease in the SELIC rate. The pressure exerted by the government was effective initially on public banks, and later on private banks, which publicly announced the reduction of fees for various operations. This study aimed to understand the size and sources of the effects of the government's position on the spreads and profitability of the largest Brazilian banks. As a result, there was the effectiveness of government action in reducing the spread ex post, profitability of loans (a proxy for the rate), and the overall profitability of public and private banks. Nevertheless, there was a decrease by private banks to grant credit, pointing to the market power of these institutions and raising doubts about the actual ability of the use of public banks to foster greater competitiveness in an uncertain economic environment.As taxas de juros cobradas pelos bancos têm sido alvo constante de críticas por parte da opinião pública e de preocupação por parte do governo. Uma das razões para essas altas taxas, além do nível elevado da taxa básica de juros SELIC, são os altos spreads cobrados pelos bancos. Uma das formas para tentar diminuir esse nível é aumentar a competitividade entre os bancos. Entretanto, uma suposta dificuldade para se atingir um maior nível de competição é o grau de concentração bancária existente hoje no Brasil. Nesse sentido, o governo brasileiro pressionou o mercado bancário para reduzir seus spreads e taxas durante o primeiro semestre de 2012, um período de aparente estabilidade macroeconômica e de forte queda da taxa SELIC. A pressão exercida pelo governo surtiu efeito, inicialmente sobre os bancos públicos, e, posteriormente, sobre os bancos privados, que anunciaram publicamente a redução de taxas para diversas operações. Este trabalho buscou entender as dimensões e origens dos efeitos desse posicionamento do governo sobre os spreads e a rentabilidade dos maiores bancos brasileiros. Como resultado, observou-se a efetividade da atuação governamental na redução do spread ex post, da rentabilidade das operações de crédito (proxy da taxa) e da rentabilidade geral dos bancos públicos e privados. Apesar disso, houve recuo por parte dos bancos privados na concessão de crédito apontando para o poder de mercado dessas instituições e levantando dúvidas sobre a real capacidade da utilização dos bancos públicos para fomentar maior competitividade em um ambiente de incerteza econômica.porCompetição bancáriaSpreadsBancos públicosAdministração públicaBancos - BrasilConcorrênciaTaxas de jurosA intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012info:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVinfo:eu-repo/semantics/openAccessORIGINALDissertação Alexandre_Biblioteca.pdfDissertação 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|
dc.title.por.fl_str_mv |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
title |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
spellingShingle |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 Hakim, Alexandre Competição bancária Spreads Bancos públicos Administração pública Bancos - Brasil Concorrência Taxas de juros |
title_short |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
title_full |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
title_fullStr |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
title_full_unstemmed |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
title_sort |
A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012 |
author |
Hakim, Alexandre |
author_facet |
Hakim, Alexandre |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::EAESP |
dc.contributor.member.none.fl_str_mv |
Biderman, Ciro Coelho, Fernando de Souza |
dc.contributor.author.fl_str_mv |
Hakim, Alexandre |
dc.contributor.advisor1.fl_str_mv |
Mettenheim, Kurt von |
contributor_str_mv |
Mettenheim, Kurt von |
dc.subject.por.fl_str_mv |
Competição bancária Spreads Bancos públicos |
topic |
Competição bancária Spreads Bancos públicos Administração pública Bancos - Brasil Concorrência Taxas de juros |
dc.subject.area.por.fl_str_mv |
Administração pública |
dc.subject.bibliodata.por.fl_str_mv |
Bancos - Brasil Concorrência Taxas de juros |
description |
The interest rates charged by banks have been constantly criticized by the public opinion and are a source of concern for the government. One reason for these high rates, more than the high level of the SELIC base interest, is the high spreads charged by banks. One way to try to reduce the level of spreads is to increase competitiveness among banks. However, one of the supposed difficulties to achieve a higher level of competition is the degree of banking concentration in Brazil today. In this sense, the Brazilian government pressured the banking market to reduce their spreads and rates during the first half of 2012, a period of apparent macroeconomic stability and strong decrease in the SELIC rate. The pressure exerted by the government was effective initially on public banks, and later on private banks, which publicly announced the reduction of fees for various operations. This study aimed to understand the size and sources of the effects of the government's position on the spreads and profitability of the largest Brazilian banks. As a result, there was the effectiveness of government action in reducing the spread ex post, profitability of loans (a proxy for the rate), and the overall profitability of public and private banks. Nevertheless, there was a decrease by private banks to grant credit, pointing to the market power of these institutions and raising doubts about the actual ability of the use of public banks to foster greater competitiveness in an uncertain economic environment. |
publishDate |
2016 |
dc.date.accessioned.fl_str_mv |
2016-03-30T13:28:09Z |
dc.date.available.fl_str_mv |
2016-03-30T13:28:09Z |
dc.date.issued.fl_str_mv |
2016-02-29 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
HAKIM, Alexandre. A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012. Dissertação (Mestrado em Administração Pública e Governo) - FGV - Fundação Getúlio Vargas, São Paulo, 2016. |
dc.identifier.uri.fl_str_mv |
http://hdl.handle.net/10438/16194 |
identifier_str_mv |
HAKIM, Alexandre. A intervenção estatal sobre o mercado bancário no Brasil por meio dos bancos públicos: a tentativa de redução dos spreads em 2012. Dissertação (Mestrado em Administração Pública e Governo) - FGV - Fundação Getúlio Vargas, São Paulo, 2016. |
url |
http://hdl.handle.net/10438/16194 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
reponame:Repositório Institucional do FGV (FGV Repositório Digital) instname:Fundação Getulio Vargas (FGV) instacron:FGV |
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FGV |
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FGV |
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Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
bitstream.url.fl_str_mv |
https://repositorio.fgv.br/bitstreams/95c05050-da2d-48e2-ab1d-db5856e523a5/download https://repositorio.fgv.br/bitstreams/4b3a7f8a-ffd0-42cf-b5a2-ff70a2ef0926/download https://repositorio.fgv.br/bitstreams/6917df80-1125-4ec1-b861-bfa09cd51b48/download https://repositorio.fgv.br/bitstreams/ef0266ee-8f83-485a-87b4-ca4d59331a70/download |
bitstream.checksum.fl_str_mv |
6b1036127751c6505b22a4ba20539a66 dfb340242cced38a6cca06c627998fa1 fe315e91a428f2520a56e5647af89c23 3d2a2011278cb147fe5e40b70c190f0c |
bitstream.checksumAlgorithm.fl_str_mv |
MD5 MD5 MD5 MD5 |
repository.name.fl_str_mv |
Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV) |
repository.mail.fl_str_mv |
|
_version_ |
1802749765578915840 |