Linhas de desconto de duplicata e antecipação de recebíveis ainda têm impacto de Americanas
Modalidades mais impactadas pelo rombo na Americanas, os saldos de desconto de duplicatas e de antecipação de recebíveis ainda sofrem efeitos da crise na varejista. Segundo dados de crédito divulgados nesta quinta-feira pelo Banco Central (BC), em junho as linhas tiveram desempenho aquém do padrão histórico."As modalidades de desconto de duplicatas e recebíveis, conhecidas como risco sacado, foram bastante impactadas pelo evento que mencionei [com uma grande varejista]. O desconto de duplicatas [estoque] cresceu 9,2% no mês, mas é bom lembrar que essa modalidade tem um padrão sazonal bem definido a cada fim de trimestre, então em junho era de se esperar esse crescimento que de fato ocorreu. No entanto, esse valor de junho é menor que o saldo do mesmo mês de 2022", ressaltou o chefe do departamento de estatísticas do BC, Fernando Rocha.Em 12 meses, houve queda de 7,8% em desconto de duplicatas e de 23,2% apenas neste ano. A Americanas anunciou inconsistências da ordem de R$ 20 bilhões em seus balanços em janeiro deste ano."Essa série tinha tendência de crescimento até dezembro de 2022, neste ano tem se reduzido [o saldo], que é exatamente o impacto do evento de crédito que mencionei. Fica clara a tendência de redução neste ano. Em junho houve crescimento sazonal, então temos que esperar mais alguns meses para ver se esse evento vai sendo superado", destacou Rocha.Segundo o técnico do BC, no dado de inadimplência o impacto do caso Americanas aparece de forma mais evidente. "Se olharmos 12 meses atrás, a taxa de inadimplência [de desconto de duplicatas] era de 0,3% e passou para 2,9% em junho [deste ano], aumento de 2,6 pontos percentuais. O valor mês a mês vem tendo saltos na medida em que as operações que não são pagas completam o prazo de 90 dias e são caracterizadas como inadimplência", frisou.A antecipação da fatura de cartão, por sua vez, teve um desempenho fraco, "aquém de seu padrão sazonal". "Ao invés de crescer, como aconteceu com desconto de duplicatas, teve redução de 2,5%. Essa redução também ocorre em 12 meses, com queda de 14,2%, e a razão parece bastante ligada ao evento de crédito [da Americanas]. A redução também ocorre nas concessões...
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