Processo de crédito em instituições financeiras: um estudo de caso da concessão de crédito à pessoa física no Banco do Brasil S/A.

Abstract

Over the past 10 years, Brazil has suffered a series of changes in its financial system and in this historical context and economic, financial institutions in general, and especially the bank, gets much of its profits by lending to individuals and legal. Because of incentive policies for credit, rates are increasingly attractive and longer terms. Thus, to evaluate a credit institution must meet an internal policy, which establishes the percentage of interest, terms, guarantees and the degree of risk inherent in the operation. Thus, this study aimed to evaluate the operation in Banco do Brasil S/A. For this, the research was classified as descriptive, explanatory literature and documents. It is the portal of the Banco do Brasil, several lines of credits offered to individuals available to its customers, including: payroll loans, personal loans, credit auto, credit benefit, CDC salary overdraft function credit, vehicle loans, mortgages, micro entrepreneur, 13º salary credit, and CDC anticipation IRPF. Given the above, it is observed the funding provided by the individual BB is growing every year, attracting new applicants, as well as new services offered. This outcome is important to the economic development of the country as well as the community in which such agencies are inserted, since they will provide loans with low interest rates and easy payment.