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Válido a partir de 9 de julho, novo Cadastro Positivo pode injetar R$ 71 bilhões na economia do Paraná

Medida deve incluir 1,197 milhões de consumidores do estado no mercado de crédito 

Paraná, 18 de junho de 2019: O novo modelo de Cadastro Positivo, que entra em vigor a partir do próximo dia 9 de julho, poderá injetar R$ 71 bilhões na economia do Paraná e possibilitar acesso ao crédito para um contingente adicional de 1,197 milhões de consumidores, o que representa cerca de 10% da população total. Os números fazem parte de desdobramento, por estado, de estudo realizado pelo setor, a pedido da ANBC (National Association of Credit Bureaus), which also concluded that, in Brazil, the new CP has the potential to bring up to 22 million consumers into the credit market, as well as more than R$ 1.1 trillion into the national economy. 

De acordo com a pesquisa ampliada, o Paraná, com 36,1% de inadimplentes, apresenta um índice inferior ao da média brasileira, que é de 40,3%. E a exemplo do que deve ocorrer no resto do país, o novo Cadastro Positivo tende a promover uma redução de até 45% na inadimplência no estado.  

This tends to happen because the new CP will promote the automatic inclusion of all consumers, form a payment history for each citizen, whether it's credit received or ongoing services (water, electricity, gas and telephone), and establish a credit score based on this history. In other words, the model values payments made, positive data - and not just any unpaid or overdue debts. 

Comparative figures:

“The addition of more people to the credit market, the expansion of credit for those already in the market and the reliability of the credit rating as a basis for granting credit have the potential to lower interest rates on loans and financing,” observes Elias Sfeir, president of ANBC. He adds that the main benefits are social because there will be a reduction in defaults due to fairer interest rates and because stimulating the credit market is fundamental to boosting local economies and creating jobs. 

Another point to highlight in relation to the new CP is the improvement in credit for classes C, D and E. According to Sfeir, the positive registration increases the credit rating for around 60% of this population.

ANBC Press Relations

Regina Pimenta: (11) 98136.6835 regina@pimenta.com

Ana Carolina Rodrigues: (11) 98674.0348 anacarolina@pimenta.com