Crédito mal parado e seu impacto sobre o sistema financeiro em Moçambique

Abstract

The present work has as main focus to identify the causes of delinquency in credits by disbursement, as well as its consequences for the national financial system. For data analysis, a research model was adopted which consisted of selecting a representative sample of the 3 largest commercial banks in the market, according to their credit volumes. The bad debt management process at Standard Bank SARL in the period 2000 to 2006 was analyzed. The present work allowed us to conclude that the high bad debt rates registered in the years 2000/02 are directly related to the high interest rates verified in that period; the problem of bad management on the part of national entrepreneurs, as well as the diversion of application of the granted funds. It was found that all banks under study have been following effective bad debt management models, however strict monitoring in the application of borrowed funds, especially in companies or projects with weak financial structure, should be considered with a view to to reduce to a minimum the ratio of overdue credit/total credit disbursed. (TRADUÇÃO NOSSA)