Educação financeira e percepção sobre testes de estresse
Ano de defesa: | 2019 |
---|---|
Autor(a) principal: | |
Orientador(a): | |
Banca de defesa: | |
Tipo de documento: | Dissertação |
Tipo de acesso: | Acesso aberto |
Idioma: | por |
Instituição de defesa: |
Universidade Católica de Brasília
|
Programa de Pós-Graduação: |
Programa Stricto Sensu em Economia de Empresas
|
Departamento: |
Escola de Gestão e Negócios
|
País: |
Brasil
|
Palavras-chave em Português: | |
Palavras-chave em Inglês: | |
Área do conhecimento CNPq: | |
Resumo em Inglês: | The discussion on stress testing methodology in banking and banking supervision has increased in recent years. While on the one hand it is clear to the regulator the benefit of stress testing by banks to ensure the financial stability of an economy, there is no evidence in the literature as consumers of banking financial products and services realize that these tests add value to the institution financial management. On the other hand, it has no proof how the level of financial education of consumers influences this valuation. This work proposes to study these issues in an empirical way using an experimental approach with a group of treatments and control. It has been identified that by revealing that banks exercise stress testing activities to the treatment group, consumers forego profitability and choose less profitable banks, but perform stress tests. Such behavior indicates that, in the view of consumers, stress tests ensure the institution security, confidence and greater financial stability. It was also found that consumers with higher levels of financial education recognize the importance of stress testing even more. It is concluded that it is desirable to promote public policies by public and private entities in the field of financial education that raise the level of information to consumers to improve financial decisions, maximizing well-being. |
Link de acesso: | https://bdtd.ucb.br:8443/jspui/handle/tede/2582 |
Resumo: | The discussion on stress testing methodology in banking and banking supervision has increased in recent years. While on the one hand it is clear to the regulator the benefit of stress testing by banks to ensure the financial stability of an economy, there is no evidence in the literature as consumers of banking financial products and services realize that these tests add value to the institution financial management. On the other hand, it has no proof how the level of financial education of consumers influences this valuation. This work proposes to study these issues in an empirical way using an experimental approach with a group of treatments and control. It has been identified that by revealing that banks exercise stress testing activities to the treatment group, consumers forego profitability and choose less profitable banks, but perform stress tests. Such behavior indicates that, in the view of consumers, stress tests ensure the institution security, confidence and greater financial stability. It was also found that consumers with higher levels of financial education recognize the importance of stress testing even more. It is concluded that it is desirable to promote public policies by public and private entities in the field of financial education that raise the level of information to consumers to improve financial decisions, maximizing well-being. |
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Silva, Thiago Christianohttp://lattes.cnpq.br/6238208958412798http://lattes.cnpq.br/0685384563915502Braz, Tércio de Matos2019-05-28T20:03:45Z2019-02-15BRAZ, Tércio de Matos. Educação financeira e percepção sobre testes de estresse. 2019. 131 f. Dissertação (Programa Stricto Sensu em Economia de Empresas) - Universidade Católica de Brasília, Brasília, 2019.https://bdtd.ucb.br:8443/jspui/handle/tede/2582The discussion on stress testing methodology in banking and banking supervision has increased in recent years. While on the one hand it is clear to the regulator the benefit of stress testing by banks to ensure the financial stability of an economy, there is no evidence in the literature as consumers of banking financial products and services realize that these tests add value to the institution financial management. On the other hand, it has no proof how the level of financial education of consumers influences this valuation. This work proposes to study these issues in an empirical way using an experimental approach with a group of treatments and control. It has been identified that by revealing that banks exercise stress testing activities to the treatment group, consumers forego profitability and choose less profitable banks, but perform stress tests. Such behavior indicates that, in the view of consumers, stress tests ensure the institution security, confidence and greater financial stability. It was also found that consumers with higher levels of financial education recognize the importance of stress testing even more. It is concluded that it is desirable to promote public policies by public and private entities in the field of financial education that raise the level of information to consumers to improve financial decisions, maximizing well-being.A discussão sobre a metodologia de testes de estresses na visão da supervisão bancária e de bancos tem aumentado nos últimos anos. Se por um lado é claro para o regulador o benefício do exercício de testes de estresse por bancos para garantir a estabilidade financeira de uma economia, não há evidência na literatura como os consumidores de produtos e serviços financeiros bancários percebem que esses testes agregam valor à instituição financeira. Por outro, não tem comprovação como o nível de educação financeira dos consumidores influencia nessa valoração. Esse trabalho propõe estudar essas questões de maneira empírica usando uma abordagem experimental com grupo de tratamentos e controle. Identificou-se que, ao revelar que bancos exercem atividades de testes de estresse ao grupo de tratamentos, consumidores abrem mão da lucratividade e escolhem bancos menos lucrativos, porém executam testes de estresse. Tal comportamento indica que, na visão dos consumidores, os testes de estresse asseguram à instituição segurança, confiança e maior estabilidade financeira. Constatou-se também que consumidores com maiores níveis de educação financeira reconhecem ainda mais a importância de teste de estresse. Conclui-se que é desejável a promoção de políticas públicas pelas entidades públicas e privadas no campo da educação financeira que elevem o nível de informações aos consumidores para aprimoramento das decisões financeiras, maximizando o bem-estar.Submitted by Sara Ribeiro (sara.ribeiro@ucb.br) on 2019-05-28T20:03:19Z No. of bitstreams: 1 TerciodeMatosBrazDissertacao2019.pdf: 21021491 bytes, checksum: 6c3819de13775cfb035cfcb7c51e4434 (MD5)Approved for entry into archive by Sara Ribeiro (sara.ribeiro@ucb.br) on 2019-05-28T20:03:45Z (GMT) No. of bitstreams: 1 TerciodeMatosBrazDissertacao2019.pdf: 21021491 bytes, checksum: 6c3819de13775cfb035cfcb7c51e4434 (MD5)Made available in DSpace on 2019-05-28T20:03:45Z (GMT). No. of bitstreams: 1 TerciodeMatosBrazDissertacao2019.pdf: 21021491 bytes, checksum: 6c3819de13775cfb035cfcb7c51e4434 (MD5) Previous issue date: 2019-02-15application/pdfhttps://bdtd.ucb.br:8443/jspui/retrieve/6409/TerciodeMatosBrazDissertacao2019.pdf.jpgporUniversidade Católica de BrasíliaPrograma Stricto Sensu em Economia de EmpresasUCBBrasilEscola de Gestão e NegóciosTestes de estresseTomada de decisãoEducação financeiraEstabilidade financeiraEconomia comportamentalBehavioral economicsFinancial educationFinancial stabilityDecision makingStress testingCNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIAEducação financeira e percepção sobre testes de estresseinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da UCBinstname:Universidade Católica de Brasíliainstacron:UCBTHUMBNAILTerciodeMatosBrazDissertacao2019.pdf.jpgTerciodeMatosBrazDissertacao2019.pdf.jpgimage/jpeg5482https://bdtd.ucb.br:8443/jspui/bitstream/tede/2582/4/TerciodeMatosBrazDissertacao2019.pdf.jpg9dd7fadaf5891dca1d479d156bd872abMD54TEXTTerciodeMatosBrazDissertacao2019.pdf.txtTerciodeMatosBrazDissertacao2019.pdf.txttext/plain228101https://bdtd.ucb.br:8443/jspui/bitstream/tede/2582/3/TerciodeMatosBrazDissertacao2019.pdf.txtd6cdbea9582f27c6e13d9599f3e1cc26MD53ORIGINALTerciodeMatosBrazDissertacao2019.pdfTerciodeMatosBrazDissertacao2019.pdfapplication/pdf21021491https://bdtd.ucb.br:8443/jspui/bitstream/tede/2582/2/TerciodeMatosBrazDissertacao2019.pdf6c3819de13775cfb035cfcb7c51e4434MD52LICENSElicense.txtlicense.txttext/plain; charset=utf-81831https://bdtd.ucb.br:8443/jspui/bitstream/tede/2582/1/license.txtd7d5e5ec75089f122abe937645a56120MD51tede/2582oai:bdtd.ucb.br:tede/25822019-05-29 01:05:53.168Biblioteca Digital de Dissertações da Universidade Católica de Brasília - UCBsdi@ucb.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 |
dc.title.por.fl_str_mv |
Educação financeira e percepção sobre testes de estresse |
title |
Educação financeira e percepção sobre testes de estresse |
spellingShingle |
Educação financeira e percepção sobre testes de estresse Braz, Tércio de Matos Testes de estresse Tomada de decisão Educação financeira Estabilidade financeira Economia comportamental Behavioral economics Financial education Financial stability Decision making Stress testing CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
title_short |
Educação financeira e percepção sobre testes de estresse |
title_full |
Educação financeira e percepção sobre testes de estresse |
title_fullStr |
Educação financeira e percepção sobre testes de estresse |
title_full_unstemmed |
Educação financeira e percepção sobre testes de estresse |
title_sort |
Educação financeira e percepção sobre testes de estresse |
author |
Braz, Tércio de Matos |
author_facet |
Braz, Tércio de Matos |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Silva, Thiago Christiano |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/6238208958412798 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/0685384563915502 |
dc.contributor.author.fl_str_mv |
Braz, Tércio de Matos |
contributor_str_mv |
Silva, Thiago Christiano |
dc.subject.por.fl_str_mv |
Testes de estresse Tomada de decisão Educação financeira Estabilidade financeira Economia comportamental |
topic |
Testes de estresse Tomada de decisão Educação financeira Estabilidade financeira Economia comportamental Behavioral economics Financial education Financial stability Decision making Stress testing CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
dc.subject.eng.fl_str_mv |
Behavioral economics Financial education Financial stability Decision making Stress testing |
dc.subject.cnpq.fl_str_mv |
CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA |
dc.description.abstract.eng.fl_txt_mv |
The discussion on stress testing methodology in banking and banking supervision has increased in recent years. While on the one hand it is clear to the regulator the benefit of stress testing by banks to ensure the financial stability of an economy, there is no evidence in the literature as consumers of banking financial products and services realize that these tests add value to the institution financial management. On the other hand, it has no proof how the level of financial education of consumers influences this valuation. This work proposes to study these issues in an empirical way using an experimental approach with a group of treatments and control. It has been identified that by revealing that banks exercise stress testing activities to the treatment group, consumers forego profitability and choose less profitable banks, but perform stress tests. Such behavior indicates that, in the view of consumers, stress tests ensure the institution security, confidence and greater financial stability. It was also found that consumers with higher levels of financial education recognize the importance of stress testing even more. It is concluded that it is desirable to promote public policies by public and private entities in the field of financial education that raise the level of information to consumers to improve financial decisions, maximizing well-being. |
dc.description.abstract.por.fl_txt_mv |
A discussão sobre a metodologia de testes de estresses na visão da supervisão bancária e de bancos tem aumentado nos últimos anos. Se por um lado é claro para o regulador o benefício do exercício de testes de estresse por bancos para garantir a estabilidade financeira de uma economia, não há evidência na literatura como os consumidores de produtos e serviços financeiros bancários percebem que esses testes agregam valor à instituição financeira. Por outro, não tem comprovação como o nível de educação financeira dos consumidores influencia nessa valoração. Esse trabalho propõe estudar essas questões de maneira empírica usando uma abordagem experimental com grupo de tratamentos e controle. Identificou-se que, ao revelar que bancos exercem atividades de testes de estresse ao grupo de tratamentos, consumidores abrem mão da lucratividade e escolhem bancos menos lucrativos, porém executam testes de estresse. Tal comportamento indica que, na visão dos consumidores, os testes de estresse asseguram à instituição segurança, confiança e maior estabilidade financeira. Constatou-se também que consumidores com maiores níveis de educação financeira reconhecem ainda mais a importância de teste de estresse. Conclui-se que é desejável a promoção de políticas públicas pelas entidades públicas e privadas no campo da educação financeira que elevem o nível de informações aos consumidores para aprimoramento das decisões financeiras, maximizando o bem-estar. |
description |
The discussion on stress testing methodology in banking and banking supervision has increased in recent years. While on the one hand it is clear to the regulator the benefit of stress testing by banks to ensure the financial stability of an economy, there is no evidence in the literature as consumers of banking financial products and services realize that these tests add value to the institution financial management. On the other hand, it has no proof how the level of financial education of consumers influences this valuation. This work proposes to study these issues in an empirical way using an experimental approach with a group of treatments and control. It has been identified that by revealing that banks exercise stress testing activities to the treatment group, consumers forego profitability and choose less profitable banks, but perform stress tests. Such behavior indicates that, in the view of consumers, stress tests ensure the institution security, confidence and greater financial stability. It was also found that consumers with higher levels of financial education recognize the importance of stress testing even more. It is concluded that it is desirable to promote public policies by public and private entities in the field of financial education that raise the level of information to consumers to improve financial decisions, maximizing well-being. |
publishDate |
2019 |
dc.date.accessioned.fl_str_mv |
2019-05-28T20:03:45Z |
dc.date.issued.fl_str_mv |
2019-02-15 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
status_str |
publishedVersion |
format |
masterThesis |
dc.identifier.citation.fl_str_mv |
BRAZ, Tércio de Matos. Educação financeira e percepção sobre testes de estresse. 2019. 131 f. Dissertação (Programa Stricto Sensu em Economia de Empresas) - Universidade Católica de Brasília, Brasília, 2019. |
dc.identifier.uri.fl_str_mv |
https://bdtd.ucb.br:8443/jspui/handle/tede/2582 |
identifier_str_mv |
BRAZ, Tércio de Matos. Educação financeira e percepção sobre testes de estresse. 2019. 131 f. Dissertação (Programa Stricto Sensu em Economia de Empresas) - Universidade Católica de Brasília, Brasília, 2019. |
url |
https://bdtd.ucb.br:8443/jspui/handle/tede/2582 |
dc.language.iso.fl_str_mv |
por |
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por |
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Universidade Católica de Brasília |
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Programa Stricto Sensu em Economia de Empresas |
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UCB |
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Brasil |
dc.publisher.department.fl_str_mv |
Escola de Gestão e Negócios |
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Universidade Católica de Brasília |
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