Brazilian Consuming Market

One of the effect of the current financial crisis is the retraction in the market of national credit. A cost of a financing, either it stops natural person or legal, can have inlaid an average interest of 100% to the year, as in the case of the guaranteed check. The taxes are seen by the government as one of the impediments for the growth of the Brazilian consuming market, taking president Luiz Incio Lula da Silva, in its message to the National Congress, to ask for agility in the approval of Positive Cadastro, mechanism that can reduce the cost of the money in the Country. In fact, in function of the crisis the quarrels around it I register in cadastre positive had been rescued as a species of board of salvation against the high interest and the excesses in spread – financial intermediao that is the difference enters how much the paid bank to catch money and what it charges to loan it – adopted by the Brazilian banks. What he is I register in cadastre it positive? I register in cadastre it, that it started to be argued in August of 2005, is, in the truth, a data base with information on credit borrowers, in order to register in a system who possess good description of or bad payer. Today, the financial system and the commerce alone make use of services of negative information on credit borrowers, that is, information on the delay or not-payment of debts, that is, of insolvency. The creation of cadastros with positive information, adimplncia, is considered important by the government and the allied base.