Clipping of news on Brazilian Culture, Law and Citizenship
10/02/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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MARCIA DE CHIARA - O Estado de S. Paulo
Although the default of the consumer being in decline , the recurrence of default is high . More than half ( 56.4 % ) of consumers who cleaned up the name again became delinquent one year after renegotiated debt , according to a study between September 2011 and May this year by the Boa Vista Services , Administrator of the Central Protection (SCPC ) .
Shorter term , three months , three in ten consumers who renegotiated their debts were delinquent again . The work was done in the database of the company , which includes 350 million commercial information on consumers and businesses , most of CPFs ( taxpayer ID )
" This result is a warning to the defaulting make an agreement guided by a plan that can be met," says the director of Innovation and Sustainability Services Boa Vista , Fernando Cosenza . He notes that the study is unpublished . Therefore it is not possible to trace the evolution of this indicator of recurrence of default consumer .
Anyway , in the evaluation of Cosenza , two factors explain this result . The first factor is statistical . That is, with the expansion of credit , increased the chances of default , both the first and second time , after debt renegotiation . " The number of people renegotiating arrears increased the number of potential offenders as well. "
Planning . The second factor , which is expert in the evaluation of the main concerns how they are made renegotiations . He says , imbued with settle overdue accounts and take advantage of discounts offered by creditors , the delinquent accounts just not doing right . " Lack financial planning . "
Although the study did not have information on the profile of the defaulter or the reasons that led to this condition , Cosenza not believe that the consumer has been taken to stop paying the bills on time because again consume more .
" This result is not worrisome," says economist of the Commercial Association of São Paulo , Emilio Alfieri . This is because the default consumer is falling . In August, the default fell to 4.8% , says the BC .
Source : Estadão online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.