Crédito bancário e alterações na participação relativa da renda

• Autor(a) principal: Barros, Thiago Oliveira
• Data de Publicação: 2013
• Tipo de documento: Trabalho de conclusão de curso
• Idioma: por
• Título da fonte: Repositório Institucional da Universidade Federal do Ceará (UFC)
• Texto Completo: http://www.repositorio.ufc.br/handle/riufc/32982
• topic: Empréstimo bancário - Brasil; Renda - Distribuição; Desenvolvimento econômico

This paper aims to study the relationship between the amount of bank loans in Brazil and its effect on income distribution, with the goal to check if the credit’s expansion is favorable to the poorest and if the credit is a tool to income deconcentration. The focus of the work is on the aggregated data of private credit instead of the credit guided to the poorest population, as microcredit strategies. Statistical regressions were made to verify the main purpose and the data was collected from various sources to check empirical evidence. The results presented on this monograph suggest that the credit as a distributive instrument does not have impact changing the relative income. The control variables, which according to the economic theory exposed in this text could explain the income change that occurred over the years, also did not show to be statistically significant. We did not find pointers of any correlation between the amount of bank credit and income distribution.