Implementation of Positive Credit is a healthy way, says Acrefi
This article was translated by an automatic translation system, and was therefore not reviewed by people.
By: Gladys Ferraz Magalhães
SAO PAULO - The implementation of the positive list of customers is assessed as a healthy way, which may increase the volume and reducing the cost of credit in Brazil is the opinion of the President of Acrefi (National Association of Credit Institutions, Finance and Investment ), Adalberto Savioli.
Savioli said, historically, such a move would have occurred in all countries where the registration was implemented, with Brazil being one of the few nations in the world does not yet have such information.
Spread
Savioli also recalled that, today, 37% of the composition of the spread is to pay the account in default. In his opinion, more assertive in granting this percentage may be smaller and therefore the interest rate for the borrower's credit may diminish.
Thus, analyzes, many people who are outside the market of consumer credit, due to high rates charged, are going to be interested in credit for the purchase of goods, contributing to the relationship credit versus GDP (Gross Domestic Product) in Brazil - which today is one of the lowest in the world - continue improving the economy of the country
"It is worth noting that in Brazil, currently 8% of consumers are delinquent, and the good, 92% have no access to benefits as a tax credit due to lower his profile because of the minority is (...) to invest in the positive list, as the economy progresses when there is plenty of credit, "he said.
PL 836/03
With regard to the text of the bill (Bill) 836/03, approved on Tuesday (19) by the Chamber of Deputies, the president of Acrefi, in general, the assessed as positive and called attention to the change on the obligation of sending the AR (Notice of Receipt).
According to the executive, if maintained the original text, which calls for the deployment of AR for each new inclusion of positive information, setting up the register could be frustrated by both the cost and the operational part.
"Although the text adopted is not necessarily the end, because the vote of the highlights was not completed, the AR becomes necessary in the negative information, which changes the current practice which is made by ordinary letter," he explains.
He laments, however, not to include utility bills and the necessity of AR in the event of a change in the profile of the consumer, from positive to negative, which can generate a lower cost and increase the cost of negative people in default.
Source: InfoMoney
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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