BNB: lógica de atuação e distribuição regional de recursos

Abstract

This study aims to analyze the dynamics of regional distribution of credit by banks in Brazil, especially by public banks. The basis of the study will be the post-Keynesian approach on currency, to which this affects motives and decisions of the agents, having real effects on the economy in both the short and the long term. The supply of credit by banks plays a fundamental role in economic growth and regional development. According to this perspective, the regional distribution of resources has a significant concentration of the most dynamic regions and economically integrated and agents larger (with greater economic integration). In this context of discussion, there is the perspective on the role of public banks to reverse this logic concentrating resources. That is, public banks have a central role in order to direct a larger volume of credit to less dynamic regions, since the logic of valuation would not be your main goal. However, this is not exactly the behavior of public banks in Brazil, in recent years. For this study, we analyzed the movement of credit s Financial System in recent years, but also the evolution of the main accounts of assets and liabilities of public and private banks (domestic and foreign). Furthermore, were constructed and analyzed credit indicators in order to investigate the distribution and the concentration of resources. We analyze indicators constructed with the intention to study the distribution of resources by the Banking System by municipality, as well as the distribution of resources by Banco do Nordeste, since this is an important bank of the segment public in the country and has an important role in the distribution of credit in Brazil.