Credit for Industry: The Foundation of Sustainable Neo-industrialization
Brazilian industry is going through a very important moment. Amid the challenges of global competitiveness, energy transition, climate change and digital transformation, credit has emerged as one of the main instruments for boosting innovation, productivity and sustainability in the sector.
According to data from the Central Bank, credit for companies already totals R$ 2.5 trillion, with industry accounting for more than R$ 946 billion, equivalent to 37.4% of the total balance of bank credit for legal entities in the country. This volume, although significant, still falls short of what is needed to sustain a robust neo-industrialization strategy. O “Industry Strategy Map 2023-2032”, by CNI, proposes raise the share of industrial credit in GDP from 8% (in 2022) to 17% by 2032. An ambitious and essential leap.
It's a new phase of brazilian industrial policy. A proposal for transformation structural industry with a focus on:
- Technological innovation
- Environmental sustainability
- Digitalization of production processes
- Qualified insertion into global value chains
More than producing, it's about producing better, with intelligence, energy efficiency, climate balance and social responsibility. And this requires more than political will: it requires access to the right credit, at the right time, for the right sectors.
In this scenario, the strengthening of credit environment is strategic. Especially for small and medium-sized industries, which face greater financing barriers. It is necessary to expand productive credit, but also to guarantee its sustainability, with financial education, sustainability strategy, governance and quality information.
This is where credit bureaus come in.
The modernization of credit discipline with new databases and technological tools has increased the visibility of companies and citizens in the financial system, promoting more accurate and inclusive credit decisions. For the industry, this represents more opportunities to innovate, digitize and grow sustainably - pillars of the program New Industry Brazil (NIB), which provides for R$ 300 billion in investments by 2026.
Credit goes beyond resources. It's trust. It's governance. It's quality information.
A modern, transparent and inclusive credit system is a prerequisite for Brazilian industry to advance, increase its innovation potential and insert itself competitively into global value chains.
The neo-industrialization that Brazil needs to be sustainable, digital and inclusive. And credit is the link that connects this vision to the present.
