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O comportamento rentista dos bancos brasileiros

Author

Listed:
  • Bruno Mader

Abstract

O Brasil é um caso emblemático de financeirização no qual uma alta taxa dejuros Selic beneficiou as instituições financeiras. No entanto, a taxa Selic real caiu historicamente,tornando-se negativa em 2020. Com isso, seria possível presumir que o rendimentodos bancos fosse negativamente afetado, o que não ocorreu. Os bancos superaram esse desafiomacroeconômico aumentando as operações de crédito. Nesse contexto, nosso estudoconfirma que o aumento da receita do spread de crédito está inversamente correlacionadoà queda da taxa Selic. Portanto, concluímos que os bancos mantiveram um comportamentorentista: os ganhos obtidos com títulos públicos derivados da alta taxa Selic foram substituídospor um elevado spread cobrado dos consumidores de crédito. Classificação JEL: G00; E42; E43; E44; B50.

Suggested Citation

  • Bruno Mader, 2023. "O comportamento rentista dos bancos brasileiros," Brazilian Journal of Political Economy, Center of Political Economy, vol. 43(4), pages 893-913.
    • Handle: RePEc:ekm:repojs:v:43:y:2023:i:4:p:893-913:id:2435
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    File URL: https://centrodeeconomiapolitica.org.br/repojs/index.php/journal/article/view/2435/2368
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    More about this item

    Keywords

    Financialização; spread; bancos; taxa de juros; markup;
    All these keywords.

    JEL classification:

    • G00 - Financial Economics - - General - - - General
    • E42 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Monetary Sytsems; Standards; Regimes; Government and the Monetary System
    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • B50 - Schools of Economic Thought and Methodology - - Current Heterodox Approaches - - - General

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