Análise e concessão de créditos em uma empresa de peças agrícolas
Many companies have sought a more efficient on analysis and lending to clients, aiming at a lower default and that can reduce their exposure to the risk of insolvency. The companies have a key role in the administration of the credit seeking ways to minimize losses through instruments on granting t...
| Autor principal: | José, Eber Claudio dos Santos |
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| Formato: | Trabalho de Conclusão de Curso (Especialização) |
| Idioma: | Português |
| Publicado em: |
Universidade Tecnológica Federal do Paraná
2020
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| Assuntos: | |
| Acesso em linha: |
http://repositorio.utfpr.edu.br/jspui/handle/1/22338 |
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| Resumo: |
Many companies have sought a more efficient on analysis and lending to clients, aiming at a lower default and that can reduce their exposure to the risk of insolvency. The companies have a key role in the administration of the credit seeking ways to
minimize losses through instruments on granting to its customers. This paper
proposes to demonstrate which main variables used in the analysis and concession
of credit and how it can influence the cashier. To fulfill this objective, was realized a case study in a company. Through the study and analysis realized in the procedures adopted by the company was be possible confirm an impairment in their analysis and lending, which later was realized a credit analysis, using two techniques, that is, the subjective, which is based on human judgment and the objective, which is based on procedures from data collections, that are evidenced in this paper. Therefore the company should adopt or dispose a credit policy that guide its professionals to grant credits to customers who, demonstrably, present ability to pay that is the goal of this work. |
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