The Use of Credit Information in Brazil
نویسندگان
چکیده
Until 1994, the financial system in Brazil was almost entirely geared towards maximizing float income, which answered for close to half of the overall earnings of commercial banks. That required banks to be efficient, above all, in processing transactions, such as the payment of bills and checks. Credit granting activities were, as a consequence, of much less importance, since very little credit flowed to the private sector anyway. Incentives were even more biased for private banks, since almost all medium and long term credit to firms and households was provided by state banks, with most of the credit extended by private banks being concentrated on short term operations such as overdraft facilities and working capital finance. Entry deregulation in the late eighties, although expanding the number of banks, did little to change this scenario.
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