Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real

Detalhes bibliográficos
Ano de defesa: 2015
Autor(a) principal: Matulovic, Marcio Oliveira
Orientador(a): Mori, Rogério
Banca de defesa: Não Informado pela instituição
Tipo de documento: Dissertação
Tipo de acesso: Acesso aberto
Idioma: por
Instituição de defesa: Não Informado pela instituição
Programa de Pós-Graduação: Não Informado pela instituição
Departamento: Não Informado pela instituição
País: Não Informado pela instituição
Palavras-chave em Inglês:
Banks
Bank credit
Interest rate
Macroeconomic models
Link de acesso: http://hdl.handle.net/10438/13508
Resumo: This research aims to empirically analyze the macroeconomic factors that determined the bank spread levels charged to individuals and legal entities in Brazil in the Real Plan postadoption period through December 2012. In order to do it a vector autoregression model was used with representative variables of macroeconomic factors. The research also shares some characteristics of the banking industry in Brazil and the credit market particularities for individuals and legal entities. These results suggest that: (i) the discount interest rate of the Central Bank of Brazil was the main macroeconomic determinant factor of the bank spread to individuals and legal entities; (ii) While an impact on the inflation level had greater influence on the spread practiced for individuals, an impact on the volatility of the discount interest rate of the Central Bank of Brazil had positive influence on the spread used for legal entities.
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spelling Matulovic, Marcio OliveiraEscolas::EESPMarçal, Emerson FernandesGoldbaum, SergioMori, Rogério2015-03-11T13:01:25Z2015-03-11T13:01:25Z2015-02-10MATULOVIC, Marcio Oliveira. Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real. Dissertação (Mestrado Profissional em Finanças e Economia) - Escola de Economia de São Paulo. Fundação Getúlio Vargas - FGV, São Paulo, 2015.http://hdl.handle.net/10438/13508This research aims to empirically analyze the macroeconomic factors that determined the bank spread levels charged to individuals and legal entities in Brazil in the Real Plan postadoption period through December 2012. In order to do it a vector autoregression model was used with representative variables of macroeconomic factors. The research also shares some characteristics of the banking industry in Brazil and the credit market particularities for individuals and legal entities. These results suggest that: (i) the discount interest rate of the Central Bank of Brazil was the main macroeconomic determinant factor of the bank spread to individuals and legal entities; (ii) While an impact on the inflation level had greater influence on the spread practiced for individuals, an impact on the volatility of the discount interest rate of the Central Bank of Brazil had positive influence on the spread used for legal entities.Este trabalho tem por objetivo a análise empírica dos fatores macroeconômicos que determinaram os níveis de spread bancário para pessoas físicas e pessoas jurídicas no Brasil no período pós-adoção do Plano Real até dezembro de 2012. Para isso foi utilizado um modelo de auto regressão vetorial com variáveis representativas de fatores macroeconômicos. O Trabalho expõe ainda algumas características da indústria bancária no Brasil e as particularidades do mercado de crédito praticado para pessoas físicas e pessoas jurídicas. Os resultados deste trabalho evidenciaram que: (i) a taxa básica de juros foi o principal fator macroeconômico de influência do spread praticado tanto para pessoas físicas quanto para pessoas jurídicas; (ii) Enquanto um impacto no nível de inflação ocasionou maior influência no spread para pessoas físicas, um impacto na volatilidade da taxa básica de juros influenciou positivamente o spread para pessoas jurídicas.porBanksBank creditInterest rateMacroeconomic modelsEconomiaBancosCrédito bancárioTaxas de jurosModelos macroeconômicosOs determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano realinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas 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dc.title.por.fl_str_mv Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
title Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
spellingShingle Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
Matulovic, Marcio Oliveira
Banks
Bank credit
Interest rate
Macroeconomic models
Economia
Bancos
Crédito bancário
Taxas de juros
Modelos macroeconômicos
title_short Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
title_full Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
title_fullStr Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
title_full_unstemmed Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
title_sort Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real
author Matulovic, Marcio Oliveira
author_facet Matulovic, Marcio Oliveira
author_role author
dc.contributor.unidadefgv.por.fl_str_mv Escolas::EESP
dc.contributor.member.none.fl_str_mv Marçal, Emerson Fernandes
Goldbaum, Sergio
dc.contributor.author.fl_str_mv Matulovic, Marcio Oliveira
dc.contributor.advisor1.fl_str_mv Mori, Rogério
contributor_str_mv Mori, Rogério
dc.subject.eng.fl_str_mv Banks
Bank credit
Interest rate
Macroeconomic models
topic Banks
Bank credit
Interest rate
Macroeconomic models
Economia
Bancos
Crédito bancário
Taxas de juros
Modelos macroeconômicos
dc.subject.area.por.fl_str_mv Economia
dc.subject.bibliodata.por.fl_str_mv Bancos
Crédito bancário
Taxas de juros
Modelos macroeconômicos
description This research aims to empirically analyze the macroeconomic factors that determined the bank spread levels charged to individuals and legal entities in Brazil in the Real Plan postadoption period through December 2012. In order to do it a vector autoregression model was used with representative variables of macroeconomic factors. The research also shares some characteristics of the banking industry in Brazil and the credit market particularities for individuals and legal entities. These results suggest that: (i) the discount interest rate of the Central Bank of Brazil was the main macroeconomic determinant factor of the bank spread to individuals and legal entities; (ii) While an impact on the inflation level had greater influence on the spread practiced for individuals, an impact on the volatility of the discount interest rate of the Central Bank of Brazil had positive influence on the spread used for legal entities.
publishDate 2015
dc.date.accessioned.fl_str_mv 2015-03-11T13:01:25Z
dc.date.available.fl_str_mv 2015-03-11T13:01:25Z
dc.date.issued.fl_str_mv 2015-02-10
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 MATULOVIC, Marcio Oliveira. Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real. Dissertação (Mestrado Profissional em Finanças e Economia) - Escola de Economia de São Paulo. Fundação Getúlio Vargas - FGV, São Paulo, 2015.
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10438/13508
identifier_str_mv MATULOVIC, Marcio Oliveira. Os determinantes macroeconômicos do spread bancário para pessoas físicas e jurídicas no Brasil: uma análise do período pós plano real. Dissertação (Mestrado Profissional em Finanças e Economia) - Escola de Economia de São Paulo. Fundação Getúlio Vargas - FGV, São Paulo, 2015.
url http://hdl.handle.net/10438/13508
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dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
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institution FGV
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collection Repositório Institucional do FGV (FGV Repositório Digital)
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