Análise das estratégias para minimização do risco de crédito caso banco Socremo, S.A

Abstract

This paper aims to analyze the strategies implemented by Banco Socremo to minimize credit risk. The main reason that led mc to develop work on this topic is due to the fact that credit risk is one of the most relevant risks at Banco Socremo. nevertheless, it is through this risk that it is possible to verify whether a banking institution has a quality credit portfolio. Thus, it is intended to know which factors contribute to the growth of arrears at Banco Socremo. taking into account the credit policies and procedures implemented by the bank. To achieve the recommended reliability, we sought to: (i) Present a summary of the main aspects that characterize microcredit as a differentiated type of credit; (ii) Identify the types of credit risk incurred by microfinance institutions; (iii) Expose the origin and evolution of microcredit and highlight the credit Cs in the risk analysis process; (iv) Identify Socremo's credit technology and verify its influence on the evolution of its credit portfolio and (v) Introduce improvements to the current credit risk management system. The research method used was the Hypothetical, the study carried out was exploratory and descriptive. From the results of the study it was found that Socremo uses a risk management model even though they are not aware that they are using it; the credit manager's subjective judgment is one of the key factors in making the final credit decision. For a better analysis of the credit process in its qualitative and quantitative aspect, Socremo uses the so-called credit C's, which correspond to the initials of the words Character, Capacity, Capital. Collateral and Conditions. Reducing arrears requires good management of credit granted by both the lender and the borrower. It was recommended to Socremo that monitoring should be constant, that is, not only when the client goes into arrears; socremo should prioritize the continuous training of its human resources.