{"id":43388,"date":"2023-09-18T08:00:00","date_gmt":"2023-09-18T11:00:00","guid":{"rendered":"https:\/\/trends.sinqia.com.br\/?p=43388"},"modified":"2024-07-04T14:41:01","modified_gmt":"2024-07-04T17:41:01","slug":"desafios-na-concessao-de-credito","status":"publish","type":"post","link":"https:\/\/evertectrends.com\/pt-br\/desafios-na-concessao-de-credito\/","title":{"rendered":"Principais desafios na concess\u00e3o de cr\u00e9dito em 2023"},"content":{"rendered":"\n<p><span style=\"font-weight: 400;\">Com a infla\u00e7\u00e3o reduzindo o poder de compra dos consumidores, muitas pessoas t\u00eam recorrido aos empr\u00e9stimos para fazer compras ou restabelecer as finan\u00e7as. Contudo, mesmo com o cen\u00e1rio aquecido, ainda existem alguns <\/span><b>desafios na concess\u00e3o de cr\u00e9dito<\/b><span style=\"font-weight: 400;\"> por parte dos bancos e fintechs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dados recentes divulgados pelo Banco Central mostram que os financiamentos concedidos por institui\u00e7\u00f5es financeiras no Brasil <\/span><a href=\"https:\/\/www.estadao.com.br\/economia\/concessao-de-credito-no-brasil-tem-queda-de-95-em-fevereiro-diz-bc\/\"><span style=\"font-weight: 400;\">recuaram 9,6% em fevereiro<\/span><\/a><span style=\"font-weight: 400;\"> de 2023. Uma queda que representa R$383,7 bilh\u00f5es em rela\u00e7\u00e3o ao m\u00eas anterior. Al\u00e9m disso, levantamentos apontam que <\/span><a href=\"https:\/\/oglobo.globo.com\/blogs\/capital\/post\/2023\/06\/varejo-e-bancos-brasileiros-comecam-a-analisar-rede-social-antes-de-dar-credito.ghtml\"><span style=\"font-weight: 400;\">85% dos consumidores brasileiros<\/span><\/a><span style=\"font-weight: 400;\"> t\u00eam seu pedido de cr\u00e9dito indeferido.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dados como esses revelam que ainda existem limita\u00e7\u00f5es no processo de an\u00e1lise de cr\u00e9dito. Mas, quais s\u00e3o os desafios na concess\u00e3o de cr\u00e9dito que impedem pessoas e empresas de acessarem linhas de cr\u00e9dito? E o que pode ser feito para contornar esse cen\u00e1rio?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00c9 exatamente sobre isso que trataremos nesse artigo. Continue sua leitura e veja a seguir quais s\u00e3o os principais entraves para concess\u00e3o de cr\u00e9ditos por institui\u00e7\u00f5es financeiras no Brasil em 2023.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Principais desafios na concess\u00e3o de cr\u00e9dito para bancos e fintechs<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O mercado de cr\u00e9dito exerce um papel importante no desenvolvimento econ\u00f4mico do pa\u00eds. Afinal, \u00e9 com a inje\u00e7\u00e3o de capital que empresas conseguem expandir seus neg\u00f3cios e as pessoas conseguem reequilibrar seus or\u00e7amentos. E toda essa movimenta\u00e7\u00e3o ajuda a impulsionar a economia no Brasil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No entanto, manter opera\u00e7\u00f5es para concess\u00e3o de cr\u00e9dito <\/span><a href=\"https:\/\/evertectrends.com\/como-automatizar-operacao-de-emprestimo-consignado\/\"><span style=\"font-weight: 400;\">funcionando de maneira escal\u00e1vel<\/span><\/a><span style=\"font-weight: 400;\"> nem sempre \u00e9 f\u00e1cil. Isso porque existem alguns desafios na concess\u00e3o de cr\u00e9dito que bancos e fintechs precisam lidar diariamente.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">An\u00e1lise de risco<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Conseguir identificar qual cliente possui um perfil de bom pagador envolve muito mais do que an\u00e1lise dos dados fornecidos pelos Bureaus. \u00c9 preciso contar com modelos de scoring de cr\u00e9dito que considere v\u00e1rios fatores como renda, hist\u00f3rico de cr\u00e9dito, d\u00edvidas ativas, entre outros.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por\u00e9m, desenvolver modelos que sejam precisos e confi\u00e1veis para simplificar esse processo e combater a <\/span><a href=\"https:\/\/evertectrends.com\/inadimplencia-o-que-e-e-como-evitar\/\"><span style=\"font-weight: 400;\">inadimpl\u00eancia<\/span><\/a><span style=\"font-weight: 400;\"> quase sempre \u00e9 um desafio. Sobretudo quando n\u00e3o se disp\u00f5e de banco de dados extenso para auxiliar em suas tomadas de decis\u00e3o.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Funding operacional<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Um dos desafios na concess\u00e3o de cr\u00e9dito tamb\u00e9m envolve definir o respons\u00e1vel pelo custeio do acesso a linhas de cr\u00e9dito. Afinal, o funding representa o combust\u00edvel para essas opera\u00e7\u00f5es.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mas, como esse tipo de opera\u00e7\u00e3o envolve risco, quem custeia essas opera\u00e7\u00f5es precisa ter seu retorno. E dependendo dos riscos associados, isso pode afetar consideravelmente a viabilidade e complexidade da oferta.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Regulamenta\u00e7\u00e3o<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Para operar processos de concess\u00e3o de cr\u00e9dito \u00e9 preciso emitir licen\u00e7as junto aos \u00f3rg\u00e3os reguladores.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Al\u00e9m disso, tamb\u00e9m \u00e9 preciso obedecer a regras r\u00edgidas de seguran\u00e7a associadas a <\/span><a href=\"https:\/\/evertectrends.com\/autenticacao-de-clientes\/\"><span style=\"font-weight: 400;\">autentica\u00e7\u00e3o de clientes<\/span><\/a><span style=\"font-weight: 400;\">. Algo que pode ser bastante desafiador para bancos e fintechs que n\u00e3o possuem uma infraestrutura tecnol\u00f3gica dedicada a essas finalidades.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Quer saber mais sobre as oportunidades e desafios do cen\u00e1rio de cr\u00e9dito no Brasil? <\/span><a href=\"https:\/\/materiais.simply.com.br\/cenario-de-credito-no-brasil\/\"><span style=\"font-weight: 400;\">BAIXE AGORA ESTE EBOOK<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Veja quais s\u00e3o os principais desafios nas concess\u00e3o de cr\u00e9dito por institui\u00e7\u00f5es financeiras no Brasil.<\/p>\n","protected":false},"author":9,"featured_media":43390,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1000],"tags":[52,612,26,342,494],"class_list":["post-43388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ia-e-big-data","tag-bancos","tag-credito","tag-fintechs","tag-quiteja","tag-simply"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Principais desafios na concess\u00e3o de cr\u00e9dito em 2023 - Evertec Trends<\/title>\n<meta name=\"description\" content=\"Acompanhe quais s\u00e3o os principais desafios nas concess\u00e3o de cr\u00e9dito por institui\u00e7\u00f5es financeiras no Brasil.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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