Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros
Autor(a) principal: | |
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Data de Publicação: | 2012 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | http://hdl.handle.net/10438/9355 |
Resumo: | The main objective of this dissertation is to investigate if there is positive relationship between capital constrained and loan sales made by Brazilian banks. The period of analysis, from June 2004 to June 2009, includes the impact of financial crisis, what is relevant due to the difficulty faced by financial institutions with the reduction in interbank lending. This study is divided into four sections, an introduction and a conclusion. In the first section is presented the literature, institutional and regulatory aspects of the loan sales in Brazilian banks. The following one develops descriptive statistics and an overview of the evolution of loan sales in Brazil. The third section presents the methodology and the model – Logit, Tobit and related models with panel data, considering the sales of total loans, with and without recourse – including a description of the variables used in each case. The results and robustness tests indicate that an increase in capital constrained is related to the expansion of loan sales by Brazilian banks. That also confirms the hypothesis that the capital constrained effects rise during periods of financial crisis. |
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Ribeiro, Fernanda Vieira FernandesEscolas::EAESPSaito, RichardOliveira, Raquel de FreitasSchiozer, Rafael Felipe2012-03-06T12:50:27Z2012-03-06T12:50:27Z2012-02-07RIBEIRO, Fernanda Vieira Fernandes. Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros. Dissertação (Mestrado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2012.http://hdl.handle.net/10438/9355The main objective of this dissertation is to investigate if there is positive relationship between capital constrained and loan sales made by Brazilian banks. The period of analysis, from June 2004 to June 2009, includes the impact of financial crisis, what is relevant due to the difficulty faced by financial institutions with the reduction in interbank lending. This study is divided into four sections, an introduction and a conclusion. In the first section is presented the literature, institutional and regulatory aspects of the loan sales in Brazilian banks. The following one develops descriptive statistics and an overview of the evolution of loan sales in Brazil. The third section presents the methodology and the model – Logit, Tobit and related models with panel data, considering the sales of total loans, with and without recourse – including a description of the variables used in each case. The results and robustness tests indicate that an increase in capital constrained is related to the expansion of loan sales by Brazilian banks. That also confirms the hypothesis that the capital constrained effects rise during periods of financial crisis.Esta dissertação tem por objetivo verificar se há relação positiva entre restrição de capital e as operações de cessão de crédito realizadas pelos bancos brasileiros. O período de análise, compreendido entre junho de 2004 e junho de 2009, inclui o impacto da crise financeira, período relevante tendo em vista a dificuldade enfrentada pelas instituições financeiras diante da redução dos empréstimos interbancários. O estudo está dividido em quatro seções, além de introdução e conclusão. Inicialmente é apresentado o levantamento da literatura existente e aspectos institucionais e normativos da cessão de crédito nos bancos brasileiros. Na seção seguinte são desenvolvidos a estatística descritiva e um panorama sobre a evolução das operações de cessão de crédito no Brasil, considerando o período de junho de 2004 a junho de 2009. A próxima seção apresenta a metodologia utilizada e o modelo aplicado – Logit, Tobit e respectivos modelos com dados em painel, considerando as operações de cessão de crédito total, com e sem coobrigação – juntamente com a descrição das variáveis inseridas em cada caso. De forma geral, os resultados observados e os testes de robustez indicam que um aumento na restrição de capital próprio e de terceiros – nesse caso, especialmente para a modalidade sem coobrigação – está relacionada à expansão das operações de cessão de crédito realizadas pelos bancos brasileiros. Confirma-se também a hipótese de que os efeitos da restrição de capital sobre a cessão se exacerbam diante de crises financeiras.porCréditoCessãoRestrição de capitalCoobrigaçãoAdministração de empresasCréditos - BrasilBancos - BrasilCapital bancárioRestrição de capital e as operações de cessão de crédito: um estudo com bancos brasileirosinfo: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/openAccessORIGINALDissertacao_Fernanda_VFR.pdfDissertacao_Fernanda_VFR.pdfapplication/pdf779610https://repositorio.fgv.br/bitstreams/3627583f-636f-44ad-971d-5cfd9757b387/download645c50f2dfe0e6dfcbcc7e7a9eefa042MD52LICENSElicense.txtlicense.txttext/plain; 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dc.title.por.fl_str_mv |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
title |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
spellingShingle |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros Ribeiro, Fernanda Vieira Fernandes Crédito Cessão Restrição de capital Coobrigação Administração de empresas Créditos - Brasil Bancos - Brasil Capital bancário |
title_short |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
title_full |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
title_fullStr |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
title_full_unstemmed |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
title_sort |
Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros |
author |
Ribeiro, Fernanda Vieira Fernandes |
author_facet |
Ribeiro, Fernanda Vieira Fernandes |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::EAESP |
dc.contributor.member.none.fl_str_mv |
Saito, Richard Oliveira, Raquel de Freitas |
dc.contributor.author.fl_str_mv |
Ribeiro, Fernanda Vieira Fernandes |
dc.contributor.advisor1.fl_str_mv |
Schiozer, Rafael Felipe |
contributor_str_mv |
Schiozer, Rafael Felipe |
dc.subject.por.fl_str_mv |
Crédito Cessão Restrição de capital Coobrigação |
topic |
Crédito Cessão Restrição de capital Coobrigação Administração de empresas Créditos - Brasil Bancos - Brasil Capital bancário |
dc.subject.area.por.fl_str_mv |
Administração de empresas |
dc.subject.bibliodata.por.fl_str_mv |
Créditos - Brasil Bancos - Brasil Capital bancário |
description |
The main objective of this dissertation is to investigate if there is positive relationship between capital constrained and loan sales made by Brazilian banks. The period of analysis, from June 2004 to June 2009, includes the impact of financial crisis, what is relevant due to the difficulty faced by financial institutions with the reduction in interbank lending. This study is divided into four sections, an introduction and a conclusion. In the first section is presented the literature, institutional and regulatory aspects of the loan sales in Brazilian banks. The following one develops descriptive statistics and an overview of the evolution of loan sales in Brazil. The third section presents the methodology and the model – Logit, Tobit and related models with panel data, considering the sales of total loans, with and without recourse – including a description of the variables used in each case. The results and robustness tests indicate that an increase in capital constrained is related to the expansion of loan sales by Brazilian banks. That also confirms the hypothesis that the capital constrained effects rise during periods of financial crisis. |
publishDate |
2012 |
dc.date.accessioned.fl_str_mv |
2012-03-06T12:50:27Z |
dc.date.available.fl_str_mv |
2012-03-06T12:50:27Z |
dc.date.issued.fl_str_mv |
2012-02-07 |
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 |
RIBEIRO, Fernanda Vieira Fernandes. Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros. Dissertação (Mestrado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2012. |
dc.identifier.uri.fl_str_mv |
http://hdl.handle.net/10438/9355 |
identifier_str_mv |
RIBEIRO, Fernanda Vieira Fernandes. Restrição de capital e as operações de cessão de crédito: um estudo com bancos brasileiros. Dissertação (Mestrado em Administração de Empresas) - FGV - Fundação Getúlio Vargas, São Paulo, 2012. |
url |
http://hdl.handle.net/10438/9355 |
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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collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
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bitstream.checksum.fl_str_mv |
645c50f2dfe0e6dfcbcc7e7a9eefa042 dfb340242cced38a6cca06c627998fa1 637c583a99d6960138c1284e8ec4d818 ee6bccafe1738117ee2a32ea6a342030 |
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_ |
1810023879242940416 |