{"id":1537,"date":"2021-08-18T00:00:00","date_gmt":"2021-08-17T22:00:00","guid":{"rendered":"https:\/\/atlax360.com\/wp-staging4\/?p=1537"},"modified":"2023-03-23T14:03:49","modified_gmt":"2023-03-23T13:03:49","slug":"inteligencia-artificial-e-machine-learning-para-a-gestao-do-risco-de-credito","status":"publish","type":"post","link":"https:\/\/atlax360.com\/pt-pt\/blog\/inteligencia-artificial-e-machine-learning-para-a-gestao-do-risco-de-credito\/","title":{"rendered":"Intelig\u00eancia Artificial e Machine Learning para a gest\u00e3o do risco de cr\u00e9dito"},"content":{"rendered":"<p>A\u00a0<strong>gest\u00e3o de risco<\/strong>\u00a0de cr\u00e9dito \u00e9 um desafio para as entidades, sejam elas bancos ou qualquer outro tipo de organiza\u00e7\u00e3o. O perfil de risco de cada cliente \u00e9 diferente e s\u00e3o in\u00fameros os dados e par\u00e2metros que influenciam na sua determina\u00e7\u00e3o. \u00c9 por isso que muitas organiza\u00e7\u00f5es est\u00e3o cada vez mais a utilizar\u00a0<strong>Intelig\u00eancia Artificial<\/strong>\u00a0(IA) para gerir o risco de cr\u00e9dito do neg\u00f3cio.<\/p>\n<p>Este \u00e9 um assunto amplamente estudado com importante aplica\u00e7\u00e3o pr\u00e1tica. Seu objetivo \u00e9\u00a0<strong><em>agilizar a gest\u00e3o de riscos<\/em><\/strong>\u00a0e fazer previs\u00f5es melhores, mais confi\u00e1veis e seguras, gra\u00e7as a esses m\u00e9todos. Desta forma, as perdas derivadas de avalia\u00e7\u00f5es de risco imprecisas ou modelos ineficientes s\u00e3o reduzidas. Al\u00e9m disso, as empresas podem saber, por exemplo, o risco que correm de incumprimento de pagamentos por parte dos clientes.<\/p>\n<h2>Como \u00e9 que a Intelig\u00eancia Artificial influ\u00eancia a gest\u00e3o de risco de cr\u00e9dito?<\/h2>\n<p>Al\u00e9m de contribuir para a redu\u00e7\u00e3o do risco na concess\u00e3o do cr\u00e9dito, a\u00a0<strong>Intelig\u00eancia Artificial\u00a0<\/strong>tamb\u00e9m pode auxiliar na dete\u00e7\u00e3o de fraudes e na preven\u00e7\u00e3o de incumprimento em empresas comuns. Por isso, as ferramentas de tecnologia que utilizam recursos de IA podem obter economias pr\u00f3ximas a 20%.<\/p>\n<p>A aplica\u00e7\u00e3o dessas novas tecnologias num modelo de neg\u00f3cios\u00a0<strong>orientados por dados<\/strong>\u00a0pode reduzir muito o capital em risco. \u00c9 por isso que j\u00e1 existem muitos departamentos financeiros de in\u00fameras entidades que utilizam este tipo de ferramentas de an\u00e1lise.<\/p>\n<p>O fato \u00e9 que quanto mais tempo leva para adotar modelos de Machine Learning para avalia\u00e7\u00e3o de cr\u00e9dito maior o risco e, previsivelmente, maiores ser\u00e3o as perdas. Para fazer isso, as entidades devem se equipar com as ferramentas de an\u00e1lise necess\u00e1rias para lidar com grandes volumes de dados e fazer previs\u00f5es de forma \u00e1gil.<\/p>\n<p>Gra\u00e7as a esses avan\u00e7os tecnol\u00f3gicos, podemos aprender com conjuntos de dados complexos e nos tornar cada vez mais precisos nas nossas previs\u00f5es. Parte do meio empresarial e financeiro j\u00e1 conhece estas vantagens e isto se traduz num aumento da utiliza\u00e7\u00e3o dos recursos tecnol\u00f3gicos dispon\u00edveis, ali\u00e1s, desde 2017, o n\u00famero de organiza\u00e7\u00f5es que os utilizam mais do que duplicou e cerca de 40% das empresas no setor financeiro j\u00e1 os aplicam ao c\u00e1lculo e gest\u00e3o do risco de cr\u00e9dito.<\/p>\n<h2>As vantagens do Machine Learning na gest\u00e3o de risco de cr\u00e9dito<\/h2>\n<p>Suas vantagens n\u00e3o est\u00e3o apenas na redu\u00e7\u00e3o de perdas por melhores previs\u00f5es, mas tamb\u00e9m traz benef\u00edcios relacionados \u00e0s \u00e1reas de perfil de risco, sejam de clientes pessoa f\u00edsica ou jur\u00eddica. Soma-se a isso a economia em custos operacionais e recursos que devem ser alocados para cobrir poss\u00edveis incumprimentos.<\/p>\n<p>Enquanto as t\u00e9cnicas convencionais aumentam a previsibilidade entre 50% e 60%, as t\u00e9cnicas de Machine Learning fornecem n\u00edveis de at\u00e9 90%.<\/p>\n<p>N\u00e3o obstante, apesar da expans\u00e3o de seu uso, hoje as pequenas empresas que utilizam essas t\u00e9cnicas ainda s\u00e3o minoria, embora seja verdade que cada vez mais estejam come\u00e7ando a implement\u00e1-las pelos benef\u00edcios que apresentam.<\/p>\n<p>Por\u00e9m, quem mais utiliza esse tipo de t\u00e9cnicas anal\u00edticas avan\u00e7adas s\u00e3o as grandes empresas, de modo que o restante do meio produtivo ainda deve dar um salto quantitativo nos pr\u00f3ximos anos.<\/p>\n<p>Em suma, entidades de qualquer setor que estejam adquirindo essas metodologias de gest\u00e3o de risco de cr\u00e9dito e com foco na t\u00e3o necess\u00e1ria transforma\u00e7\u00e3o digital ir\u00e3o observar um crescimento nas vendas, ter\u00e3o melhor gest\u00e3o de portf\u00f3lio, automatizar\u00e3o seus processos e melhorar\u00e3o a gest\u00e3o de cobran\u00e7a, o que se refletir\u00e1 na otimiza\u00e7\u00e3o de seus \u00edndices financeiros e comerciais.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A\u00a0gest\u00e3o de risco\u00a0de cr\u00e9dito \u00e9 um desafio para as entidades, sejam elas bancos ou qualquer outro tipo de organiza\u00e7\u00e3o. O perfil de risco de cada cliente \u00e9 diferente e s\u00e3o in\u00fameros os dados e par\u00e2metros que influenciam na sua determina\u00e7\u00e3o. \u00c9 por isso que muitas organiza\u00e7\u00f5es est\u00e3o cada vez mais a utilizar\u00a0Intelig\u00eancia Artificial\u00a0(IA) para gerir [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":973,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,41],"tags":[],"class_list":["post-1537","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-todos-posts","category-transformacao-digital"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Intelig\u00eancia Artificial e Machine Learning para a gest\u00e3o do risco de cr\u00e9dito<\/title>\n<meta name=\"description\" content=\"Gesti\u00f3n de cr\u00e9dito y cobro B2B Atlax 360 Order to Cash\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atlax360.com\/pt-pt\/blog\/inteligencia-artificial-e-machine-learning-para-a-gestao-do-risco-de-credito\/\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Intelig\u00eancia Artificial e Machine Learning para a gest\u00e3o do risco de cr\u00e9dito\" \/>\n<meta property=\"og:description\" content=\"Gesti\u00f3n de cr\u00e9dito y cobro B2B Atlax 360 Order to Cash\" \/>\n<meta property=\"og:url\" content=\"https:\/\/atlax360.com\/pt-pt\/blog\/inteligencia-artificial-e-machine-learning-para-a-gestao-do-risco-de-credito\/\" \/>\n<meta property=\"og:site_name\" content=\"Atlax 360\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Atlax360\/\" \/>\n<meta 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