O procedimento judicial e o custo do dinheiro para pessoas jurídicas no mercado de crédito bancário no Brasil (1994 - 2004)

AUTOR(ES)

Diarone Lopes da Silva

DATA DE PUBLICAÇÃO

2006

RESUMO

This document has the main objective to present the influence of the judicial process in the huge moneys costs to the companies in the brazilian credit bank market. The approach of the subject intends to show the main problems faced by banks and companies when they need to use the brazilian judiciary such as: the slowness, the partiality and the complexity of the judicial proceeding. Mainly to the companies, being the weak face in a credit negotiation with the banks, the matters starts since the deal with operations conditions, facing by adhesion contracts, indecent clauses and interest rates highest the interest rates expected by return in their investments. Besides the presentation of some negative aspects of the judicial proceeding, this document intends to evidence that the improvement of the judiciary functioning will not guarantee of the reduction in the interest tax or reduce the brazilian bank spread taxes, because these taxes are composers by important others variables without connections with judicial efficiency. However, willing to contribute to the discussion about the causes of the huge costs of the bank credit to the companies in Brazil, will remain conspicuous that the importance of the efficient judiciarys act in the bank credit market to removing, or minimizing, the variable risk of bad payers in the composition of the bank spread

ASSUNTO(S)

empréstimos e financiamentos bank profit and interest rate risco de inadimplência emprestimo bancario -- brasil crédito taxas de juros -- brasil economia loans and finance credit bad payers risk bancos banks

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