Tecnologia da informação no apoio a tomada de decisão sobre concessão e monitoramento de crédito: estudo de caso de um banco brasileiro

Abstract

This research will analyze the business strategy in one of the biggest Brazilian's bank in relation to a crucial aspect: The loss caused by loans given to companies in the middle-market. Dealing with an environment of controlled inflation rate, all bases of Brazilian's economy show stability, banks should itensify their mission that is to foment the economy with loans and assets. The banks that develop and utilize information systems to control the liquidity and the quality of their assets will succeed in create a competitive advantage over the competitors that don't have an appropriate tool. The main purpose of this research is to analyze how an efficient information system can help the managers in order to anticipate, reduce or eliminate the looses with loans. The research will be supported through a study about the use of these tools in one of the biggest Brazilian financial institutions that is also a multinational bank. It will analyze how this bank utilizes information systems to assure an adequate financial management of the assets. It will show which are the tools given and utilized by the managers in two crucial moments: first when the money is liberated to the company and then monitoring the loan until it is liquidated or renovated. It is Supported by bibliographical references concerning to information systems and technology, risk and financial analyses.