Saldo total da carteira de crédito deve crescer 1,4% em outubro, diz Febraban
O saldo total da carteira de crédito deve crescer 1,4% em outubro, registrando o 9º avanço mensal seguido, conforme a Pesquisa Especial de Crédito da Febraban, divulgada mensalmente como uma prévia da Nota de Política Monetária e Operações de Crédito do Banco Central. Conforme o levantamento, o resultado deve ser impulsionado pela carteira com recursos livres, “que segue se beneficiando da reabertura das atividades econômicas”.
O destaque do mês, segundo a Febraban, deverá ser a carteira Pessoa Física, com estimativa de crescimento de 1,8%. Desta forma, o ritmo de expansão anual que poderá chegar a 19,5%, o maior desde novembro de 2011 (+19,8%).
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Rubens Sardenberg, diretor de Economia, Regulação Prudencial e Riscos da Febraban, destaca que, no crédito destinado às famílias, a alta deve ser puxada pela carteira livre, que deverá expandir 2,1%. “A pesquisa mostra uma oferta de crédito bastante positiva no último trimestre do ano, refletindo o maior consumo das famílias devido à reabertura das atividades econômicas, que favorecem especialmente as linhas ligadas ao consumo, como crédito pessoal e cartão de crédito”, afirma, na nota. “Também constatamos um avanço importante na carteira Pessoa Física direcionada, que deve crescer 1,6%”, acrescenta.
Sardenberg ressalta, entretanto, que a elevada base de comparação deve fazer com que o ritmo de expansão anual da carteira total de crédito mostre ligeira desaceleração, de 16,0% para 15,8%. “Ainda assim, estamos em um patamar bastante elevado, sinalizando que a oferta de crédito flui em um ritmo bastante forte, contribuindo para a retomada da atividade econômica.”
De acordo com a pesquisa, a carteira Pessoa Jurídica deve apresentar uma alta mais modesta, de 0,7%, com dinâmica diferente entre os recursos. “Do lado positivo, a carteira livre deve mostrar expansão mensal de 1,5%, mesmo diante da sazonalidade negativa das linhas de fluxo de caixa, registrando o melhor resultado para o mês desde 2010 (+1,5%)”, diz a Febraban. Já a carteira direcionada deve retrair 0,7%.
“Apesar do avanço da carteira Pessoa Jurídica, a estimativa é de uma nova acomodação no ritmo de...
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