A Banca Cooperativa irá superar a crise económico-financeira actual
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2014
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Este trabalho tem como objectivo principal demonstrar como é que a Banca Cooperativa nacional, em particular o SICAM, no contexto da actual crise económico-financeira, vai superar este novo desafio, e reforçar a sua posição como uma das referências de maior relevância no seio do sistema financeiro português, nomeadamente na afirmação de um lugar impar entre os grandes Grupos Financeiros que operam no mercado financeiro português.
A fundamentação teórica foi suportada na bibliografia mais recente que abordava o tema a tratar. Entre os assuntos tratados, os conceitos Banca Cooperativa, Banca de Proximidade e crise são fundamentais para se compreender como o SICAM vai reagir e tomar as medidas necessárias, perante o ambiente de instabilidade que se traduz num clima recessivo na nossa economia, com impacto profundo no mercado bancário e nas condições de exploração das Instituições Financeiras.
Para atingir os objectivos propostos, foi efectuada uma pesquisa de campo junto dos colaboradores da Caixa Central e das Caixas Agrícolas. Para esse estudo foram recolhidos 268 questionários, sendo 177 respondidos por colaboradores representantes do Sector Administrativo, 65 da Área de Coordenação e 26 de Direcção.
O resultado mostra que o SICAM atingiu um ponto crucial na sua evolução, em que se projecta definitivamente num lugar de grande relevo no sistema financeiro nacional, fruto da importância da Banca de Proximidade essencialmente na vida económica nos meios rurais, mas que deve conciliar a Política de Proximidade com os regressores significativos obtidos na análise estatística. Como nunca desenvolveram uma actividade assente na chamada ‘alavancagem’, isso faz com que, o SICAM, se apresente com uma base de capital sólida, com rácios muito acima das exigências, que se traduz numa posição algo confortável, e ainda, proporciona-lhe superar e enfrentar a actual crise económico-financeira com relativa tranquilidade e sempre próximo do cliente.
This work aims to demonstrate how the National Cooperative Banking in particular SICAM, in the context of current economic and financial crisis, will overcome this new challenge, and strengthen its position as one of the most relevant references within the Portuguese financial system, including the assertion of an odd place among large financial groups operating in the Portuguese financial market. The theoretical foundation has been supported in more recent literature that addressed the topic to be discussed. Among the matters discussed, the concepts Cooperative Banking, Banking crisis and proximity are key to understanding how the SICAM will react and take necessary measures towards the environment of instability which results in a recessionary climate in our economy, with profound impact on banking market and operating conditions of financial institutions. To achieve these objectives, a field survey among employees of the Central Agricultural Cash and Cash was made. For this study, 268 questionnaires were collected, with 177 employees answered by representatives of the administrative sector, 65 in the area of coordination and direction 26. The result shows that the SICAM reached a crucial point in its evolution, in projecting definitely a place of great prominence in the national financial system, the fruit of the importance of Proximity Banking mainly in economic life in rural areas, but must reconcile policy proximity with the significant covariates obtained in the statistical analysis. As never developed a strategy based on so-called 'leverage' activity, this causes the SICAM, report with a solid capital base with ratios well above the requirements, which translates into something comfortable position, and also gives you overcome and face the current economic and financial crisis with relative calm and always close to the customer.
This work aims to demonstrate how the National Cooperative Banking in particular SICAM, in the context of current economic and financial crisis, will overcome this new challenge, and strengthen its position as one of the most relevant references within the Portuguese financial system, including the assertion of an odd place among large financial groups operating in the Portuguese financial market. The theoretical foundation has been supported in more recent literature that addressed the topic to be discussed. Among the matters discussed, the concepts Cooperative Banking, Banking crisis and proximity are key to understanding how the SICAM will react and take necessary measures towards the environment of instability which results in a recessionary climate in our economy, with profound impact on banking market and operating conditions of financial institutions. To achieve these objectives, a field survey among employees of the Central Agricultural Cash and Cash was made. For this study, 268 questionnaires were collected, with 177 employees answered by representatives of the administrative sector, 65 in the area of coordination and direction 26. The result shows that the SICAM reached a crucial point in its evolution, in projecting definitely a place of great prominence in the national financial system, the fruit of the importance of Proximity Banking mainly in economic life in rural areas, but must reconcile policy proximity with the significant covariates obtained in the statistical analysis. As never developed a strategy based on so-called 'leverage' activity, this causes the SICAM, report with a solid capital base with ratios well above the requirements, which translates into something comfortable position, and also gives you overcome and face the current economic and financial crisis with relative calm and always close to the customer.
Descrição
Orientação: Paulo Alves ; co-orientação: Ana Sofia Soares
Palavras-chave
GESTÃO, GESTÃO DE EMPRESAS, SISTEMAS FINANCEIROS, SISTEMAS BANCÁRIOS, SICAM, CRISES ECONÓMICAS, MUTUALISMO, MERCADOS FINANCEIROS, MANAGEMENT, BUSINESS MANAGEMENT, FINANCIAL SYSTEMS, BANKING SYSTEMS, SICAM, ECONOMIC CRISIS, MUTUALISM, FINANCIAL MARKETS, MESTRADO EM GESTÃO DE EMPRESAS