Operações de securitização de créditos: uma alternativa de financiamento a curto prazo

Abstract

This degree work focuses on the presentation of a financial model that has been used as an alternative way to raise financial resources. These are credit securitization operations, an efficient model and currently applied by developed countries where the struggle for balance between demand and supply of financial resources to continue activities is greater. The work intends to show the role of this model in the economy for the entities involved in this process, the necessary procedures for structuring this operation and the advantages and disadvantages for everyone involved in the process. As a way of being able to visualize the usefulness of this tool, the work will present the history of a “caritas” micro-credit project, whose main activity is the granting of credit to natural or legal persons. Throughout the work, the concept of credit and how to manage these credits will be mentioned. Such importance arises from the fact that the securitization has credits as a source of payment for the securitized securities. And, among several financial applications, this work highlights the commercial role as an instrument that can be used by companies as a source of short-term financing. The work, conclusively, brings recommendations regarding the possibility of applying the securitization of credits (TRADUÇÃO NOSSA)