Impacto econômico-financeiro da utilização dos empréstimos para capital de giro ofertados pelos bancos comerciais brasileiros.

Abstract

Knowing that the main objective of organizations is to generate value for their stockholders and that they are immersed in dinamic, competitive and global business environment, in which demands innovation, proactivity and fast reaction in the search of competitive advantage, the financial balance is a basic factor to guarantee their survival. In this way, this study has as objective to evaluate the economic-financial impact of using loans for Turn Capital offered by Brazilian commercial banks. For that, it was made an bibliographycal and documental research, in order to explain and to become intelligible for managers about the economic-financial repercussion of using such loans, through the detailed characterization of their CHART flow, under the optics of amortization systems adopted by THE ANALYSED banks and the use of a tax of interests one considered low and one considered high. The main joined conclusion demonstrates that, although EXISTS a risk/return dilemma between the amortization systems, the economic-financial impact of the captation of onerous credits can be minimized, if it has a correct analysis and choice of the existing alternatives to contract them.