- Início
- Livros E Revistas
- Aspectos Jurídicos Controversos Dos Juros E Da Comissão de Permanência
- A Comissão de Permanência Propriamente Dita
As razões de ordem prática que ensejam a cobrança da comissão de permanência: descasamento entre ativos e passivos e risco de refinanciamento em condições adversas
Autor | Glauber Moreno Talavera |
Ocupação do Autor | Executivo corporativo em São Paulo; Doutor e Mestre em Direito Civil pela PUC-SP |
Páginas | 229-231 |
Page 229
Com o propósito de desvendar os motivos de ordem prática que fundamentam, na dinâmica do mercado financeiro, a cobrança da comissão de permanência levada a efeito pelas instituições financeiras mutuantes em caso de inadimplemento daqueles que figuram como tomadores de capital nas operações de concessão de créditos, somos instados a trazer à colação duas situações a que se sujeitam os bancos na hipótese em comento: o descasamento entre ativos e passivos e o risco de refinanciamento.
Como é cediço, as instituições financeiras têm como função precípua a intermediação de riquezas. Operam predominantemente com capital de terceiros e não com recursos próprios. Nesse sentido, captam recursos junto aos poupadores, realizando operações passivas, pelas quais tornam-se devedoras, e realizam operações ativas, pelas quais concedem crédito aos tomadores, tornando-se credoras. Por óbvio, o empréstimo concedido tem como pressuposto o recurso captado. A taxa de juros remuneratórios contratada – que constitui a contrapartida esperada pelo banco pela disponibilidade do capital
Page 230
cedida temporariamente ao mutuário – o prazo e as condições de restituição do principal emprestado, acrescido dos respectivos frutos, são aspectos que, evidentemente, são, no ato da contratação, sopesados em face dos custos, prazos e condições avençados na operação relacionada de captação de recursos que a precede.
A inexecução contratual levada a efeito pelo mutuário acarreta, para a instituição financeira mutuante, o que se convencionou chamar “descasamento entre ativos e passivos”, ou seja, a ruptura da relação que encadeia a operação de concessão de crédito à respectiva operação de captação de recursos que lhe deu lastro. Nas palavras de Marcos Cavalcante de Oliveira: “A instituição financeira, ao negociar a taxa de juros de um empréstimo, considera que ela irá captar o recurso a ser emprestado junto a algum poupador, e que esse recurso será aplicado em prazo e condições compatíveis com os valores captados. É bem verdade que a operação de uma instituição financeira é altamente complexa, e esse ‘casamento’ entre captação e aplicação não é feito operação a operação, mas pelos grandes agregados dos balanços das instituições financeiras, ou seja, há uma reconciliação das grandes contas em termos de moeda, taxas e prazos. Todavia, a realidade básica, subjacente a cada operação de crédito, é que o valor, a taxa e o prazo daquela operação estão vinculados – não do...
Para continuar a ler
PEÇA SUA AVALIAÇÃO- Aspectos jurídicos controversos dos juros e da comissão de permanência
- A Comissão de Permanência Propriamente Dita
- Comissão de permanência - Conceito
- A legitimidade da fonte da qual emana a autorização para a cobrança da comissão de permanência
- As razões de ordem prática que ensejam a cobrança da comissão de permanência: descasamento entre ativos e passivos e risco de refinanciamento em condições adversas
- A comissão de permanência sob a ótica das perdas e danos
- O enquadramento da comissão de permanência na categoria dos juros compensatórios
- A inexistência de potestatividade nas disposições contratuais estipuladoras da comissão de permanência
- O descabimento da cobrança da comissão de permanência à taxa SELIC
- A cobrança da comissão de permanência: natureza diversa de institutos congêneres como os juros moratórios, a correção monetária e a cláusula penal
- Posfácio
- Bibliografia
- Anexo I. Normativos do Banco Central
- Anexo II. Superior Tribunal de Justiça
Subscribers can access the reported version of this case.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see a list of all the cited cases and legislation of a document.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see a list of all the documents that have cited the case.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Os assinantes podem ver as versões revisadas da legislação com emendas
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see any amendments made to the case.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see a visualisation of a case and its relationships to other cases. An alternative to lists of cases, the Precedent Map makes it easier to establish which ones may be of most relevance to your research and prioritise further reading. You also get a useful overview of how the case was received.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Subscribers are able to see the list of results connected to your document through the topics and citations Vincent found.
You can sign up for a trial and make the most of our service including these benefits.
Por que se inscrever na vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.