dc.contributorAlves, Tiago Wickstrom
dc.creatorLopes, Jerônimo Volmir Lopes
dc.date.accessioned2015-06-29T18:54:34Z
dc.date.accessioned2022-09-22T19:14:29Z
dc.date.accessioned2023-03-13T19:16:08Z
dc.date.available2015-06-29T18:54:34Z
dc.date.available2022-09-22T19:14:29Z
dc.date.available2023-03-13T19:16:08Z
dc.date.created2015-06-29T18:54:34Z
dc.date.created2022-09-22T19:14:29Z
dc.date.issued2014-07-24
dc.identifierhttps://hdl.handle.net/20.500.12032/58572
dc.identifier.urihttps://repositorioslatinoamericanos.uchile.cl/handle/2250/6150745
dc.description.abstractThe spread is the difference that banks charge from borrowers and savers to pay. This topic is of paramount importance for the country's economy, as through loans made by banks are made the necessary investment to economic growth. Since 1999 the Central Bank of Brazil presents the main components of the spread, which is one of the components of the interest rate charged to borrowers, which covers the costs of financial institutions, pays savers and banks. The subject matter is presented in several studies, but without a consensus among the authors, with the interest rate of return on government bonds (Selic), along with the default rate, the major influences on the spread charged by banks Brazilians. Even with the decline in interest rates domestically and internationally in recent years after the crisis of 2008 the rates charged by financial institutions remain at a high level, but with changes in the composition of the spread.
dc.publisherUniversidade do Vale do Rio dos Sinos
dc.rightsopenAccess
dc.subjectTaxa de juros
dc.subjectSpread
dc.titleDeterminantes do spread bancário no Brasil
dc.typeDissertação


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