Clipping of news on Brazilian Culture, Law and Citizenship
09/09/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Kelly Oliveira
Brazil Agency reporter
Brasilia - The positive list , data record good paying , still not caught , even after financial institutions have started there about a month , to pass the information to the database , after authorization of the customers.
On the streets of Brasilia , when asked what is the positive list , people say they " sense " , but that still does not explain were sought to authorize the inclusion of your data , or tried to do authorization.
This is the case of Carlos Almeida , 57, salesman. " The idea is good . If you are good payers, have to pay lower interest rate , its good track record , "he said . Have the friend of Carlos, Ribamar Fonseca , 43, information technology consultant , distrusts the positive list : " If the person has an unforeseen and fail to pay a bill, this information will be there," he said.
In CEF , for example, only 5000 customers have made adherence to the positive list , between August 1 and September 3 this year . Of these , 3800 had a membership in the bank's branches and 1200 by internet banking service .
Already the Bank of Brazil did not say how many customers have made adherence to register . In a statement, the bank said only that since August 1 , is ready to welcome authorizations at all branches and also to send the credit history of customers who have authorized the opening of its registration in any of the managers of the database enabled .
" In compliance with applicable legal , BB started analyzes for implementation of the consultation process the information the credit history of customers allowed ," he added .
Box said in a statement that " the increase in the number of accessions occur from the spread of the functioning of the positive list ." And the bank noted that the Brazilian Federation of Banks ( Febraban ) prepared booklet with 78 questions and answers about the positive list . "The goal is to provide a common understanding of the new register for members of the federation and the general population ," the entity.
For Box , so the positive list has " significant quantitative customer information " , you can do " more accurate analysis of customer behavior based on historical payments and commitments ."
The bank's goal is to use the information in their risk models to improve the analysis upon the granting of credit and thereby enhance the good payers .
That's what awaits the master builder João França de Oliveira , 44 years : access to lower interest rates to pay the bills on time . " Just like that, the good payers will have someone privilege," he said.
However , in the booklet , FEBRABAN informs that awaited reduction of interest it will take . " This result is not immediate . First , customers have to grant permission for the opening of registration. Second, the new account must be built with credit information from various sources of information for a few years , so that there is a history sufficiently large to allow robust statistical analysis , "he said .
According to the booklet of febraban , to sign up , interested parties , both individuals and legal entities, must authorize the inclusion of their data through specific text provided by the companies management database ( GBDS ) and financial institutions .
The management companies are the Boa Vista Services (BVS ) , Serasa Experian and SPC Brazil . These companies are responsible for managing databases , receive customer information and provide consultations such data to companies and financial institutions that offer credit lines .
Editing : Davi Oliveira
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Source : Agencia Brazil
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This article was translated by an automatic translation system, and was therefore not reviewed by people.