{"id":3501,"date":"2024-10-18T15:08:52","date_gmt":"2024-10-18T13:08:52","guid":{"rendered":"https:\/\/atlax360.com\/?p=3501"},"modified":"2024-10-24T09:27:14","modified_gmt":"2024-10-24T07:27:14","slug":"tipos-risco-credito-gestao","status":"publish","type":"post","link":"https:\/\/atlax360.com\/pt-pt\/blog\/tipos-risco-credito-gestao\/","title":{"rendered":"Os tipos de risco de cr\u00e9dito e a import\u00e2ncia da sua gest\u00e3o"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">No contexto B2B, quase todas as opera\u00e7\u00f5es de venda\/compra s\u00e3o realizadas a cr\u00e9dito, modalidade que contribui para aumentar as vendas e fortalecer as rela\u00e7\u00f5es comerciais. Neste sentido, \u00e9 indispens\u00e1vel a exist\u00eancia de sistemas de avalia\u00e7\u00e3o de risco de cr\u00e9dito, na medida em que h\u00e1 a possibilidade de o cliente n\u00e3o cumprir as obriga\u00e7\u00f5es de pagamento no prazo, forma e valor acordados.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">O cr\u00e9dito comercial, que as empresas concedem entre si, assume especial relev\u00e2ncia num contexto como o atual, em que a pandemia COVID-19 teve forte impacto tanto na economia global quanto local. Desta forma, intensificar as vendas a cr\u00e9dito entre empresas \u2013 a par da concess\u00e3o de empr\u00e9stimos \u2013 ser\u00e1 fundamental para fortalecer as industrias e servi\u00e7os e, com isso, proteger os postos de trabalho e a estabilidade do sistema econ\u00f3mico.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Quais s\u00e3o os tipos de risco de cr\u00e9dito?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Em termos gerais, podemos identificar quatro tipos:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Risco de incumprimento. Refere-se \u00e0 probabilidade de a empresa cliente n\u00e3o pagar na data acordada. A este respeito, devemos ter em considera\u00e7\u00e3o que, em 2019, o cr\u00e9dito vencido atingiu 3,1% da fatura\u00e7\u00e3o total das empresas.<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Risco de exposi\u00e7\u00e3o<\/span><span style=\"font-weight: 400;\">. Refere-se \u00e0 incerteza sobre os pagamentos futuros do cliente e est\u00e1 associada \u00e0 atitude do devedor ou \u00e0s vari\u00e1veis de mercado.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Risco colateral ou taxa de recupera\u00e7\u00e3o<\/span><span style=\"font-weight: 400;\">. Depende das garantias de d\u00edvida existentes.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Risco de concentra\u00e7\u00e3o. <\/span><span style=\"font-weight: 400;\">Surge quando valores excessivos s\u00e3o entregues a poucos devedores, aumentando as perdas em caso de incumprimento.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Os sistemas de avalia\u00e7\u00e3o de risco de cr\u00e9dito, proporcionam \u00e0s empresas:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ol>\n<li><span style=\"font-weight: 400;\">Capacidade para evitar falta de liquidez para suportar a continuidade das opera\u00e7\u00f5es<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Oportunidade para deter o aumento dos custos financeiros<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Capacidade para avaliar e realizar novos investimentos<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Redu\u00e7\u00e3o significativa da perda de receitas.<br \/>\n<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">Como reduzir o risco de cr\u00e9dito?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Para reduzir as probabilidades de sofrer perdas, temos que implementar uma gest\u00e3o adequada do risco de cr\u00e9dito, ou seja, aplicar de forma sistem\u00e1tica pol\u00edticas e procedimentos de an\u00e1lise, avalia\u00e7\u00e3o e controle das vendas a cr\u00e9dito.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Existem in\u00fameras ferramentas no mercado que facilitam essas tarefas, como a plataforma cloud Axesor 360 que permitir\u00e1 \u00e0 sua empresa otimizar a sua gest\u00e3o e melhorar os seus resultados.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Esta ferramenta inclui o estabelecimento de modelos de risco de cr\u00e9dito que consideram a natureza, a dimens\u00e3o e a complexidade das opera\u00e7\u00f5es, sem ignorar o contexto comercial em que a empresa opera. Referimo-nos a sistemas que consideram alguns dos principais \u00edndices de avalia\u00e7\u00e3o para aferir o n\u00edvel de risco envolvido numa determinada opera\u00e7\u00e3o. Nesse sentido, para uma avalia\u00e7\u00e3o rigorosa do risco de cr\u00e9dito devemos considerar indicadores como:<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. \u00cdndice de Comportamentos de Pagamento (ICP)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Permite-nos saber como e em que medida est\u00e1 um devedor a cumprir com o pagamento das suas obriga\u00e7\u00f5es atempadamente.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. Limite de cr\u00e9dito (LC)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Determina o valor m\u00e1ximo a ser concedido, a cr\u00e9dito, a um cliente num determinado momento e com um n\u00edvel de risco associado.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. Risco de Incumprimento Imediato (RIIM)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Estabelece a probabilidade de incumprimento no pagamento de faturas a 90 dias ou menos.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Num mercado cada vez mais digitalizado, \u00e9 fundamental que realizemos a gest\u00e3o do risco de cr\u00e9dito contando com tecnologias de ponta como Intelig\u00eancia Artificial (IA) e Machine Learning, que reduzem significativamente o tempo e os recursos investidos no processamento de dados.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Al\u00e9m disso, gra\u00e7as ao uso de algoritmos de Machine Learning e \u00e0 aplica\u00e7\u00e3o da anal\u00edtica preditiva, \u00e9 poss\u00edvel estabelecer modelos preditivos de alta precis\u00e3o, o que nos permite antecipar o n\u00edvel de incumprimento em que os clientes potenciais podem incorrer.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Entendendo a necessidade de reduzir o risco de cr\u00e9dito, a nossa recomenda\u00e7\u00e3o \u00e9 sempre contar com ferramentas que permitem estabelecer previs\u00f5es precisas com base em dados reais e consistentes.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>No contexto B2B, quase todas as opera\u00e7\u00f5es de venda\/compra s\u00e3o realizadas a cr\u00e9dito, modalidade que contribui para aumentar as vendas e fortalecer as rela\u00e7\u00f5es comerciais. Neste sentido, \u00e9 indispens\u00e1vel a exist\u00eancia de sistemas de avalia\u00e7\u00e3o de risco de cr\u00e9dito, na medida em que h\u00e1 a possibilidade de o cliente n\u00e3o cumprir as obriga\u00e7\u00f5es de pagamento [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3496,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39,40,42],"tags":[],"class_list":["post-3501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas","category-seguro-credito-pt","category-todos-posts"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Os tipos de risco de cr\u00e9dito e a import\u00e2ncia da sua gest\u00e3o<\/title>\n<meta name=\"description\" content=\"Em termos gerais, podemos identificar quatro tipos:Risco de incumprimento. 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