Clipping of news on Brazilian Culture, Law and Citizenship
01/22/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Indicator Serasa Experian Consumer Perspective Delinquency, fell 0.2% in November 2012, reaching a value of 99.8.
The slowdown in the pace of monthly declines chain and configuration of a stabilization of the indicator near the 100 level signal that consumer delinquencies will continue to fall gradually throughout 2013, converging to its standardization, which, in terms of bank default rate second determination of the Central Bank, is a level around 7% of the loan portfolio to individuals (reference credits interest rate).
This standardization trend is due to several factors such as: maintaining unemployment levels close to record lows, wages being fixed, the vast majority, above inflation; presence monetary conditions conducive to movements in debt renegotiation delay; greater caution and rigor in the analysis process and bank lending.
Source: Journal of Brazil - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.