Delinquência no pagamento de contraprestações e default: o comportamento dos tomadores de crédito de longo prazo do BNDES em retrospectiva

Abstract

This article presents preliminary results over the BNDES’ debtor’s and resource handlers’ behavior research on the accomplishment of their financial obligations over the last seven years (from January, 2011 to December, 2017). More specifically, the results targeted the so called primary and effective delinquency rate and the evolution from delinquency to defaults. All the non-payment events throughout this period were mapped and a classification pattern was applied to anchor the analysis. It is shown that, as the BNDES’s loans are long term loans, the delinquency rate observed throughout the period under review is low, a significant part of the delinquent credit is solved and that the recidivism on delinquency increases the credit debtor’s odds to default.