Credit bureaus boost financial inclusion and strategic decisions for the productive sector

Bank credit for Brazilian industry amounted to R$ 946 billion in 2024, representing 37.4% of the total balance of operations with companies in the country, according to the Central Bank. The amount reinforces the importance of productive financing as one of the pillars of the neo-industrialization strategy, defended by the federal government and business entities.

According to the Strategic Map of Industry 2023-2032, drawn up by the National Confederation of Industry (CNI), the goal is to increase the share of industrial credit in GDP from 8% (2022) to 17% by 2032. The plan provides for actions to strengthen national competitiveness with a focus on technological innovation, sustainability, digitalization and inclusion in global value chains.

For Elias Sfeir, president of the National Association of Credit Bureaus (ANBC), the credit environment is a key element in this process. “Credit can support productive growth, boost business and increase the economic and social impact of companies on society,” he says. He points out that small and medium-sized industries have a high potential for change, provided they have structured and adequate financial support.

In this scenario, credit bureaus have taken on a strategic role by increasing the visibility of companies in the financial system, using data and technology for more accurate analysis. “The expansion of credit analysis, with modern tools, makes it possible to leverage business by both taking and offering credit,” adds Sfeir. The federal government's New Industry Brazil Program (NIB) allocates R$ 300 billion by 2026 for investments in ecological transition, bioeconomy, digital infrastructure and advanced technologies.