Bank macrofinance: public debt and bank management in Brazil / Macrofinanças bancárias: dívida pública e gestão bancária no Brasil

AUTOR(ES)
DATA DE PUBLICAÇÃO

2007

RESUMO

Banks loan resources to the people, to the companies and to the governments, through the purchase of securities or through the loans &leases. The federal government is one of the customers of the banks. From a descriptive study, with a observation of two phenomena - evolution of the public debt and strategy of banking management - that they had occurred in Brazil in recent period, this work looks for to identify if the strategies of asset allocation of the banks in securities and loans and leases had been influenced by the evolution of the volume of the Brazilian public debt, in the period understood between 1995 and 2006. The financing forms, the management aspects, the instruments (securities) and the investment agents in headings of the internal public debt emitted by the National Treasure are presented. To analyze the strategies of banking management, the universe of commercial banks was used and had been considered the participation of the securities portfolio and the participation of the loans &leases on the total assets of the banks, that they had been segmented in accordance with the origin of the capital in private and public. The joined results had shown that exist differences between the strategies of asset allocation - securities or loans &leases - and the concentration in securities - public or private - adopted by the banks in function of the origin of the capital.

ASSUNTO(S)

macrofinanças bancárias public debit gestão bancária. dívida pública banking management. banking macrofinances

ACESSO AO ARTIGO

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