Supervisão comportamental bancária : análise comparativa da banca em Angola e em Portugal
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Data
2022
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Esta dissertação foca-se no estudo da supervisão bancária no mercado angolano na
vertente comportamental no período de 2018 a 2020, na qual faremos uma análise comparativa
com a supervisão do mercado bancário português.
O objetivo desta investigação é compreender a forma como é feita a supervisão
comportamental do Banco Nacional de Angola e do Banco de Portugal às instituições
financeiras sob sua supervisão, assim como compreender os mecanismos que estas instituições
têm desenvolvido para incluir a população que atualmente encontra-se excluída do sistema
financeiro.
Com este trabalho, procuramos demonstrar a importância do modelo de supervisão
comportamental para a proteção do consumidor. Existem, muitas das vezes, assimetrias de
informação, no que diz respeito aos produtos e serviços bancários, que resulta do facto de as
instituições financeiras terem um maior conhecimento sobre o mercado e uma maior capacidade
para aceder e trabalhar a informação. Por este motivo, o Banco Nacional de Angola por meio
do modelo de supervisão comportamental, tem como objetivo garantir a transparência de
informação prestada pelas entidades supervisionadas aos seus clientes na comercialização
destes produtos e serviços. Por sua vez, o BNA adverte através do Aviso nº 12/2016 sobre a
proteção dos consumidores de produtos e serviços financeiros que as instituições financeiras,
nas suas relações com os clientes, devem, agir com competência, diligência, prudência e boa fé, de modo a não defraudar o cliente de forma deliberada, negligente, imprudente, abusiva,
coerciva ou por propaganda enganosa; respeitar o direito do cliente de escolher e mudar de
produtos ou serviços, bem como de instituição; informar por escrito de forma clara e
compreensível as taxas, comissões e outras despesas cobradas nas operações.
This dissertation focuses on the study of banking supervision in the Angolan market in the behavioral aspect in the period 2018 to 2020, in which we will conduct a comparative analysis with the supervision of the Portuguese banking market. The objective of this investigation is to understand the way in which the Banco Nacional de Angola and Banco de Portugal's behavioral supervision of the financial institutions under their supervision is conducted, as well as to understand the mechanisms that these institutions have developed to include the population that currently finds itself. excluded from the financial system. With this work, we seek to demonstrate the importance of the behavioral supervision model for consumer protection. There are often information asymmetries regarding banking products and services, which result from the fact that financial institutions have greater knowledge of the market and a greater capacity to access and work with information. For this reason, the National Bank of Angola, through the behavioral supervision model, aims to ensure the transparency of the information provided by the supervised entities to their customers in the commercialization of these products and services. In turn, the BNA warns through Notice No. 12/2016 on the protection of consumers of financial products and services that financial institutions, in their relations with customers, must act with competence, diligence, prudence and good faith, so as not to defraud the customer in a deliberate, negligent, reckless, abusive, coercive or misleading manner; respect the customer's right to choose and change products or services, as well as the institution; inform in writing in a clear and understandable manner the fees, commissions and other expenses charged in the operations.
This dissertation focuses on the study of banking supervision in the Angolan market in the behavioral aspect in the period 2018 to 2020, in which we will conduct a comparative analysis with the supervision of the Portuguese banking market. The objective of this investigation is to understand the way in which the Banco Nacional de Angola and Banco de Portugal's behavioral supervision of the financial institutions under their supervision is conducted, as well as to understand the mechanisms that these institutions have developed to include the population that currently finds itself. excluded from the financial system. With this work, we seek to demonstrate the importance of the behavioral supervision model for consumer protection. There are often information asymmetries regarding banking products and services, which result from the fact that financial institutions have greater knowledge of the market and a greater capacity to access and work with information. For this reason, the National Bank of Angola, through the behavioral supervision model, aims to ensure the transparency of the information provided by the supervised entities to their customers in the commercialization of these products and services. In turn, the BNA warns through Notice No. 12/2016 on the protection of consumers of financial products and services that financial institutions, in their relations with customers, must act with competence, diligence, prudence and good faith, so as not to defraud the customer in a deliberate, negligent, reckless, abusive, coercive or misleading manner; respect the customer's right to choose and change products or services, as well as the institution; inform in writing in a clear and understandable manner the fees, commissions and other expenses charged in the operations.
Descrição
Orientação: Eduardo Manuel Machado de Moraes Sarmento Ferreira
Palavras-chave
MESTRADO EM ECONOMIA, ECONOMIA, SUPERVISÃO, SETOR BANCÁRIO, GESTÃO FINANCEIRA, ECONOMY, SUPERVISION, BANKING SECTOR, FINANCIAL MANAGEMENT, PORTUGAL, ANGOLA, BANCO DE PORTUGAL, BANCO NACIONAL DE ANGOLA