Um Estudo sobre Comportamento de Tomadores e Ofertantes no Mercado de Crédito

This study seeks to evaluate some effects of the heterogeneity of economic agents, borrowers and lenders, in the bank credit market, and how these differences are reflected in their decision-making and in the operations features. For this, we analyze default data in vehicle financing from May 2010 to February 2013 in Brazil, based on the concept of monthly credit vintage. Among the main results, it was found that after the December 2010 macro-prudential measure there was an increase in interest rates, especially by the big banks, this interest rates raise led to further delays in the payment of new loans, the credit supply flowed to higher income borrowers and the larger financial institutions had a market share loss