Process of credit concession in a company of the auto parts segment in Itabira/MG

Abstract

This study was developed with the objective of performing a comparative analysis of the credit granting process described in the literature, and in a company in the auto parts segment located in Itabira / MG. The study was carried out through documentary research of a descriptive nature, where the sample was understood by the secondary sources inherent to the credit granting process of the company, such as: loan policy manual, loan sector procedures manual, credit grant ing process, registration form for individuals, registration form for legal entities and customer registration reports extracted from the system. The research results obtained through the content analysis allowed to identify the conduct of the credit granting process of the company and its rela tionship with the literature. From this, it can be affirmed that it is important to follow the steps of the credit granting process as suggested by the literature in order to avoid risks and losses. It is also observed that the studied company follows the stages of the credit granting process as suggested by the literature, and it is important to follow each stage in a more efficient and less risky manner. It is seen that there is a need for adjustments in the programs and models for credit analysis of the company studied, where it is suggested to adapt new techniques to existing ones, aiming at better meeting the needs of the company and its clients. It is also worth mentioning the importance of releasing companies from other segments or studying in more than one company in the segment of auto parts in future studies, considering that the process of granting credit is not standard for all companies and varies according to the needs of each.