Credit portability and spreads: evidence in the Brazilian market

Detalhes bibliográficos
Autor(a) principal: Rodrigues, Gabriela Avancini
Data de Publicação: 2017
Tipo de documento: Dissertação
Idioma: eng
Título da fonte: Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
Texto Completo: http://hdl.handle.net/10362/28422
Resumo: This study examines possible impacts in the Brazilian credit market as a result of the portability resolution. This new law increases the ease of borrowers to change from one financial institution to another whenever borrowers have access better credit conditions. It is expected an increase in the market competition and consequently a decrease of price formation power for these institutions. Using difference-in-differences methodology for 231 Brazilian financial institutions, we find that credit spreads for types of credit susceptible to portability are lower than credit spreads for other types of credit that not benefited by the new law.
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spelling Credit portability and spreads: evidence in the Brazilian marketCreditPortabilityFinanceDomínio/Área Científica::Ciências Sociais::Economia e GestãoThis study examines possible impacts in the Brazilian credit market as a result of the portability resolution. This new law increases the ease of borrowers to change from one financial institution to another whenever borrowers have access better credit conditions. It is expected an increase in the market competition and consequently a decrease of price formation power for these institutions. Using difference-in-differences methodology for 231 Brazilian financial institutions, we find that credit spreads for types of credit susceptible to portability are lower than credit spreads for other types of credit that not benefited by the new law.Ferreira, MiguelRUNRodrigues, Gabriela Avancini2018-01-17T14:39:58Z2017-07-302017-07-30T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisapplication/pdfhttp://hdl.handle.net/10362/28422TID:201756412enginfo:eu-repo/semantics/openAccessreponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãoinstacron:RCAAP2024-03-11T04:15:17Zoai:run.unl.pt:10362/28422Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireopendoar:71602024-03-20T03:28:57.830284Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informaçãofalse
dc.title.none.fl_str_mv Credit portability and spreads: evidence in the Brazilian market
title Credit portability and spreads: evidence in the Brazilian market
spellingShingle Credit portability and spreads: evidence in the Brazilian market
Rodrigues, Gabriela Avancini
Credit
Portability
Finance
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
title_short Credit portability and spreads: evidence in the Brazilian market
title_full Credit portability and spreads: evidence in the Brazilian market
title_fullStr Credit portability and spreads: evidence in the Brazilian market
title_full_unstemmed Credit portability and spreads: evidence in the Brazilian market
title_sort Credit portability and spreads: evidence in the Brazilian market
author Rodrigues, Gabriela Avancini
author_facet Rodrigues, Gabriela Avancini
author_role author
dc.contributor.none.fl_str_mv Ferreira, Miguel
RUN
dc.contributor.author.fl_str_mv Rodrigues, Gabriela Avancini
dc.subject.por.fl_str_mv Credit
Portability
Finance
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
topic Credit
Portability
Finance
Domínio/Área Científica::Ciências Sociais::Economia e Gestão
description This study examines possible impacts in the Brazilian credit market as a result of the portability resolution. This new law increases the ease of borrowers to change from one financial institution to another whenever borrowers have access better credit conditions. It is expected an increase in the market competition and consequently a decrease of price formation power for these institutions. Using difference-in-differences methodology for 231 Brazilian financial institutions, we find that credit spreads for types of credit susceptible to portability are lower than credit spreads for other types of credit that not benefited by the new law.
publishDate 2017
dc.date.none.fl_str_mv 2017-07-30
2017-07-30T00:00:00Z
2018-01-17T14:39:58Z
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.uri.fl_str_mv http://hdl.handle.net/10362/28422
TID:201756412
url http://hdl.handle.net/10362/28422
identifier_str_mv TID:201756412
dc.language.iso.fl_str_mv eng
language eng
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.source.none.fl_str_mv reponame:Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
instname:Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron:RCAAP
instname_str Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
instacron_str RCAAP
institution RCAAP
reponame_str Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
collection Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos)
repository.name.fl_str_mv Repositório Científico de Acesso Aberto de Portugal (Repositórios Cientìficos) - Agência para a Sociedade do Conhecimento (UMIC) - FCT - Sociedade da Informação
repository.mail.fl_str_mv
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