Uma perspectiva crítica da determinação do spread bancário brasileiro no período de 2000 a 2010

Abstract

This paper presents an analysis of the interest rates prevailing in the Brazilian economy in the period 2000 to 2010. With regard to the determinants of the spread, this analysis showed the importance of macroeconomic factors, in particular the interest rate. The methodology is based on a descriptive research works that use economic theory and econometric models Thus, we can conclude that the problem of the high banking spread is a direct reflection of the problem of high interest rates observed in the Brazilian economy. Although it was moted a reduction in spreads, the country is still far above the international standard. Another important point is that Brazil has a system which is extremely efficient in generating profit, however is notorious the inefficiency in financial intermediation.