{"id":2102,"date":"2017-08-26T20:41:33","date_gmt":"2017-08-26T20:41:33","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2102"},"modified":"2025-05-28T19:51:43","modified_gmt":"2025-05-28T19:51:43","slug":"novo-cadastro-positivo-injetara-cerca-de-r-1-trilhao-na-economia","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/novo-cadastro-positivo-injetara-cerca-de-r-1-trilhao-na-economia\/","title":{"rendered":"New Positive Registry will inject around R$ 1 trillion into the economy"},"content":{"rendered":"<p>Follow on Google News<a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMOLGnwsw79C3Aw?oc=3&ceid=BR:pt-419\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8243\" src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2020\/11\/tenor.gif\" alt=\"\" width=\"50\" height=\"50\" \/><\/a><\/p>\r\n<p>A implanta\u00e7\u00e3o do modelo opt out do Cadastro Positivo poder\u00e1 injetar\u00a0cerca de R$ 1,1 trilh\u00e3o na economia e incluir mais de 22 milh\u00f5es de\u00a0brasileiros no mercado de cr\u00e9dito. Esses n\u00fameros foram divulgados em\u00a0estudo da Serasa Experian, que tamb\u00e9m revelou que a ades\u00e3o autom\u00e1tica\u00a0ao cadastro poder\u00e1 beneficiar com juros mais baixos 74% da popula\u00e7\u00e3o\u00a0adulta que possui acesso a cr\u00e9dito.<\/p>\r\n<p>Considerando esses fatores, ele poder\u00e1 aumentar 0,54 ponto percentual ao ano em m\u00e9dia a taxa de crescimento do PIB.<\/p>\r\n<p>Ao possibilitar ao credor conhecimento do risco real dos\u00a0<strong>loans<\/strong>,\u00a0a taxa de juros cobrada nas opera\u00e7\u00f5es cai.<\/p>\r\n<p>In\u00a0<strong>opt out<\/strong>, como abordei no post anterior, a ades\u00e3o \u00e9 autom\u00e1tica,\u00a0havendo possibilidade de sa\u00edda se essa for a vontade do consumidor.\u00a0Em dezembro do ano passado, m\u00eas de divulga\u00e7\u00e3o do estudo, a rela\u00e7\u00e3o\u00a0cr\u00e9dito e PIB estava em pouco mais de 50%. Com a ado\u00e7\u00e3o do opt out no\u00a0Cadastro Positivo, considerando a demanda potencial de R$ 1,1 trilh\u00e3o,\u00a0a rela\u00e7\u00e3o ultrapassar\u00e1 67%, crescimento acima de 17 pontos percentuais.<\/p>\r\n<p>Os 22 milh\u00f5es de brasileiros que passariam a existir para o mercado de cr\u00e9dito possuem atualmente escore baixo, raz\u00e3o pela qual n\u00e3o s\u00e3o aprovados na an\u00e1lise de cr\u00e9dito feita pelos credores. A pontua\u00e7\u00e3o\u00a0baixa n\u00e3o se deve \u00e0 exist\u00eancia de negativa\u00e7\u00e3o, mas \u00e0 insufici\u00eancia de\u00a0informa\u00e7\u00e3o sobre esses consumidores. Se passassem a fazer parte do\u00a0Cadastro Positivo, provavelmente conseguiriam cr\u00e9dito, pois suas\u00a0informa\u00e7\u00f5es trariam conhecimento a respeito do consumidor, motivando\u00a0assim o crescimento do\u00a0<strong>score<\/strong>.<\/p>\r\n<p>The\u00a0<strong>Positive data<\/strong>, al\u00e9m de verificar hist\u00f3rico de endividamento do\u00a0cidad\u00e3o e a forma como ele paga suas d\u00edvidas, tamb\u00e9m analisa os\u00a0compromissos assumidos ainda a vencer com as empresas. Valoriza assim\u00a0os fatos positivos, como os pagamentos honrados, e n\u00e3o somente as\u00a0eventuais d\u00edvidas n\u00e3o pagas.<\/p>\r\n<p>&nbsp;<\/p>\r\n<h4 class=\"wp-block-heading\">Thanks for reading! Access other content at<a href=\"https:\/\/www.linkedin.com\/company\/anbc-associa%C3%A7%C3%A3o-nacional-dos-bir%C3%B4s-de-cr%C3%A9dito\" target=\"_blank\" rel=\"noopener\">\u00a0ANBC website<\/a>.<\/h4>\r\n<p>&nbsp;<\/p>\r\n<h3 class=\"h3-xl\" style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1261\" style=\"font-size: 1rem; color: #333333; font-family: Roboto, 'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: 300;\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/elias-sfeir.webp\" alt=\"elias sfeir\" width=\"100\" height=\"100\" \/><\/h3>\r\n<p>&nbsp;<\/p>\r\n<h6>Por: Elias Sfeir Presidente da ANBC & Membro do Conselho Clim\u00e1tico da Cidade de S\u00e3o Paulo & Conselheiro Certificado<\/h6>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Follow on Google News The implementation of the Cadastro Positivo opt-out model could inject around R$ 1.1 trillion into the economy and include more than 22 million Brazilians in the credit market. These figures were published in a study by Serasa Experian,...<\/p>","protected":false},"author":1,"featured_media":2103,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Novo Cadastro Positivo injetar\u00e1 cerca de R$ 1 trilh\u00e3o na economia","_seopress_titles_desc":"Novo Cadastro Positivo injetar\u00e1 cerca de R$ 1 trilh\u00e3o na economia","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"economia","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[80,57,255,146],"class_list":["post-2102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-cadastro-positivo","tag-economia","tag-emprestimos","tag-escore","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2102","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=2102"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2102\/revisions"}],"predecessor-version":[{"id":2104,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2102\/revisions\/2104"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/2103"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=2102"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2102"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2102"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}