More than words: broader information sharing and access to the formal credit market

Detalhes bibliográficos
Autor(a) principal: Sacramento Junior, Luiz Claudio Ferreira
Data de Publicação: 2017
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Institucional do FGV (FGV Repositório Digital)
Texto Completo: https://hdl.handle.net/10438/18293
Resumo: Esse estudo mostra como mecanismos de compartilhamento de informação podem permitir Micro e Pequenas Empresas (MPEs) podem melhorar seu acesso a mercados de crédito formais. Utilizando uma base de dados única obtida junto ao Banco Central do Brasil e Ministério do Trabalho, uma mudança é aplicada no limite do valor de empréstimos que precisam ser reportados e compartilhados por todas as instituições financeiras ativas como uma mudança gradual na informação disponível sobre MPEs. Os resultados indicam que tomadores de empréstimo que se beneficiaram dessa mudança obtiveram mais empréstimos e menores taxas de juros, e por constituir um bom grupo de clientes acabam por receber menores vencimentos. As empresas são ainda menos prováveis de atrasar seus pagamentos e apresentam menores perdas aos bancos. As consequências desse estudo lançam luz sobre a literatura de assimetria de informação e inclusão financeira ao mostrar que mecanismos de compartilhamento de informação podem auxiliar na decisão de oferecer crédito e MPEs podem se tornar menos dependentes de empréstimos de relacionamento para obter empréstimos.
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spelling Sacramento Junior, Luiz Claudio FerreiraEscolas::EBAPEZucco Junior, CesarSchiozer, Rafael FelipePerobelli, Fernanda Finotti CordeiroBehr, Patrick Gottfried2017-05-30T18:56:11Z2017-05-30T18:56:11Z2017-03-28SACRAMENTO JUNIOR, Luiz Claudio Ferreira. More than words: broader information sharing and access to the formal credit market. Dissertação (Mestrado em Administração) - Escola Brasileira de Administração Pública e de Empresas, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2017.https://hdl.handle.net/10438/18293Esse estudo mostra como mecanismos de compartilhamento de informação podem permitir Micro e Pequenas Empresas (MPEs) podem melhorar seu acesso a mercados de crédito formais. Utilizando uma base de dados única obtida junto ao Banco Central do Brasil e Ministério do Trabalho, uma mudança é aplicada no limite do valor de empréstimos que precisam ser reportados e compartilhados por todas as instituições financeiras ativas como uma mudança gradual na informação disponível sobre MPEs. Os resultados indicam que tomadores de empréstimo que se beneficiaram dessa mudança obtiveram mais empréstimos e menores taxas de juros, e por constituir um bom grupo de clientes acabam por receber menores vencimentos. As empresas são ainda menos prováveis de atrasar seus pagamentos e apresentam menores perdas aos bancos. As consequências desse estudo lançam luz sobre a literatura de assimetria de informação e inclusão financeira ao mostrar que mecanismos de compartilhamento de informação podem auxiliar na decisão de oferecer crédito e MPEs podem se tornar menos dependentes de empréstimos de relacionamento para obter empréstimos.This paper shows how information sharing mechanisms might enable Micro and Small Enterprises (MSEs) to increase their access to formal credit markets. Using a unique dataset provided by the Brazilian Central Bank and Ministry of Labor, a change is applied in the threshold of loans that must be reported and shared by all active financial institutions as a gradual increase in the available information on MSEs. Results suggest that borrowers that benefited by this change obtained more loans and smaller interest rates, and by building a good client pool ended up receiving smaller maturities. Firms were also less likely to delay repayments and present smaller loan losses. This evidence sheds light on information asymmetry and literature on financial inclusion by showing that information sharing mechanisms can improve the decision to offer credit, and MSEs can become less dependent of relationship lending to obtain loans.engCredit registryInformation asymmetriesLoan conditionsSmall business financeAdministração de empresasAdministração financeiraCréditosInformação assimétricaEmpréstimosEmpresas - FinançasMore than words: broader information sharing and access to the formal credit marketinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVTEXTDissertation_final version.pdf.txtDissertation_final version.pdf.txtExtracted 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dc.title.eng.fl_str_mv More than words: broader information sharing and access to the formal credit market
title More than words: broader information sharing and access to the formal credit market
spellingShingle More than words: broader information sharing and access to the formal credit market
Sacramento Junior, Luiz Claudio Ferreira
Credit registry
Information asymmetries
Loan conditions
Small business finance
Administração de empresas
Administração financeira
Créditos
Informação assimétrica
Empréstimos
Empresas - Finanças
title_short More than words: broader information sharing and access to the formal credit market
title_full More than words: broader information sharing and access to the formal credit market
title_fullStr More than words: broader information sharing and access to the formal credit market
title_full_unstemmed More than words: broader information sharing and access to the formal credit market
title_sort More than words: broader information sharing and access to the formal credit market
author Sacramento Junior, Luiz Claudio Ferreira
author_facet Sacramento Junior, Luiz Claudio Ferreira
author_role author
dc.contributor.unidadefgv.por.fl_str_mv Escolas::EBAPE
dc.contributor.member.none.fl_str_mv Zucco Junior, Cesar
Schiozer, Rafael Felipe
Perobelli, Fernanda Finotti Cordeiro
dc.contributor.author.fl_str_mv Sacramento Junior, Luiz Claudio Ferreira
dc.contributor.advisor1.fl_str_mv Behr, Patrick Gottfried
contributor_str_mv Behr, Patrick Gottfried
dc.subject.eng.fl_str_mv Credit registry
Information asymmetries
Loan conditions
Small business finance
topic Credit registry
Information asymmetries
Loan conditions
Small business finance
Administração de empresas
Administração financeira
Créditos
Informação assimétrica
Empréstimos
Empresas - Finanças
dc.subject.area.por.fl_str_mv Administração de empresas
dc.subject.bibliodata.por.fl_str_mv Administração financeira
Créditos
Informação assimétrica
Empréstimos
Empresas - Finanças
description Esse estudo mostra como mecanismos de compartilhamento de informação podem permitir Micro e Pequenas Empresas (MPEs) podem melhorar seu acesso a mercados de crédito formais. Utilizando uma base de dados única obtida junto ao Banco Central do Brasil e Ministério do Trabalho, uma mudança é aplicada no limite do valor de empréstimos que precisam ser reportados e compartilhados por todas as instituições financeiras ativas como uma mudança gradual na informação disponível sobre MPEs. Os resultados indicam que tomadores de empréstimo que se beneficiaram dessa mudança obtiveram mais empréstimos e menores taxas de juros, e por constituir um bom grupo de clientes acabam por receber menores vencimentos. As empresas são ainda menos prováveis de atrasar seus pagamentos e apresentam menores perdas aos bancos. As consequências desse estudo lançam luz sobre a literatura de assimetria de informação e inclusão financeira ao mostrar que mecanismos de compartilhamento de informação podem auxiliar na decisão de oferecer crédito e MPEs podem se tornar menos dependentes de empréstimos de relacionamento para obter empréstimos.
publishDate 2017
dc.date.accessioned.fl_str_mv 2017-05-30T18:56:11Z
dc.date.available.fl_str_mv 2017-05-30T18:56:11Z
dc.date.issued.fl_str_mv 2017-03-28
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 SACRAMENTO JUNIOR, Luiz Claudio Ferreira. More than words: broader information sharing and access to the formal credit market. Dissertação (Mestrado em Administração) - Escola Brasileira de Administração Pública e de Empresas, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2017.
dc.identifier.uri.fl_str_mv https://hdl.handle.net/10438/18293
identifier_str_mv SACRAMENTO JUNIOR, Luiz Claudio Ferreira. More than words: broader information sharing and access to the formal credit market. Dissertação (Mestrado em Administração) - Escola Brasileira de Administração Pública e de Empresas, Fundação Getúlio Vargas - FGV, Rio de Janeiro, 2017.
url https://hdl.handle.net/10438/18293
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