Processos de tomada de decisão por uma instituição financeira em relação à concessão de crédito para uma pessoa jurídica

Abstract

The central objective of the paper is the study of decision making by a Financial Institution about granting credit to a corporation. The paper will be divided as follows: defining the problem and objectives, theoretical framework, research method, collection and processing of information, case studies and conclusion. For the development of the research it was used financial statements provided by the company itself and some information in the inspection report done on the spot. This analysis was performed based on a technique widely used by financial institutions, called "C" Loan. There was great importance of economic survey of financial statements for the quality of analysis, and the importance of the report prepared by the visits made by the operation manager. The process allowed us to verify the variables determining the decision making regarding the lending business.