House approves the positive list
This article was translated by an automatic translation system, and was therefore not reviewed by people.
by Fabricio Castro
The bill establishing the positive list of consumers was approved yesterday by the House of Representatives and now goes to the Senate. The proposal, establishing a sort of list of good paying, is considered an alternative to reduce the interest charged to the final consumer.
Currently, only the data from delinquent consumers are gathered in the records of service credit protection, such as SPC and Professionals. With the positive list, the information of who pays these days can also be found in shops, banks and service providers.
The data will be used to create rankings of risk: the good agencies would be on top of the standings and would have access to lower rates.
For the economist Marcel Solimeo, the Commercial Association of Sao Paulo (ACSP), the good agencies will be rewarded. "The law will allow different interest rates depending on the type of customer," he said. "There will be a score (score) according to which people can be classified. The best agencies will be entitled to interest rates below the average. "
The logic, according Solimeo, is the same used in the risk rating of countries. Those who have a high rating have access to credit cheaper. Borrowers pay more. "According to history, a store may find that it is not worth free credit for a particular client," exemplifies.
Countries like Colombia, South Africa, Mexico and the United States already use similar systems. The effect on Brazil, however, will not be immediate. After approval of the project - which is pending in the Senate and the sanction of President Luiz Inácio Lula da Silva - the application will depend on the formation of a database. By design, consumers will need to authorize the inclusion of their data in the positive list (read more on the side).
The text adopted yesterday by the House, according Solimeo, was below expectations. The Economist lamented the exclusion of bills, water, telephone and gas from the databases to be created. "The losers are the low-income consumers, who could use the timely payment of these accounts to access lower interest rates," he said. "We can only hope that the Senate better think about it."
Lower cost
With the new law, the expectation is that the spread - the difference between the interest paid by banks in the capture and charged to the consumer - to fall. Martelanc Roy, coordinator of the MBA Banking Administration Institute Foundation (FIA), said that the great merit of the positive list is to create a list of good agencies. "Consumers are unlikely to take credit and when they do, they pay right," he says.
In March, the average spread charged to individuals was 39.7% per year, according to the Central Bank. Study shows that the composition of the spread, the default weight is 37.35%. With the positive list, the proper agency can demonstrate that their risk of default is lower. Thus, when applying for a personal loan or buying a vehicle, for example, the merchant or the bank may offer lower interest rates.
LEARN
Registration positive for differentiating the good from the bad payers. In theory, those days will have paid lower interest rates.
To join the positive list, the consumer will need to authorize the store or bank, the inclusion of their data. From there, every time he pay to the information will be contained in databases such as those of Professionals and the SCPC.
Companies can check the history of the client and do a risk analysis. The record will consist of miscellaneous accounts, except those of light, water, telephone and gas.
In case of default, the consumer will be notified of inclusion in register negative letter with acknowledgment of receipt (AR). Today, he is prompted only by ordinary letter.
Source: Jornal da Tarde
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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