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BC aponta recuo nos empréstimos, mas alta do crédito público

Publicado em: 22/09/2026 10:09
BC aponta recuo nos empréstimos, mas alta do crédito público
The Brazilian Central Bank (BC) included an analysis in the September minutes of the Copom, highlighting a divergence in credit trends within the financial system. The document details how credit livre, which includes loans with rates negotiated between banks and clients, is decelerating due to high Selic rates, with a 0.1% decline observed in July compared to June. In contrast, crédito direcionado, utilizing resources directed towards specific purposes such as housing loans and corporate operations supported by guarantee funds, continues to expand. This segment grew by 0.8% in July, contributing to a total loan balance of approximately R$ 7.4 trillion, with a 9.5% year-on-year increase. Data from the BC shows distinct impacts on credit modalities. Housing loans for individuals reached a balance of R$ 1.415 trillion in July, up 1.4% monthly and 13.7% annually. Corporate loans with guarantee funds also exhibit growth, indicating that these targeted operations remain less affected by the restrictive monetary policy. Analysts interpret the BC's emphasis on this divergence as a potential message regarding the effectiveness of monetary policy transmission. The expansion of crédito direcionado, often linked to public policies, may be attenuating the intended effects of high interest rates on economic deceleration. The Copom minutes reinforce the need for harmonious fiscal and monetary policies without directly attributing credit growth to specific government measures. This underscores the importance of coordinated policy frameworks for maintaining financial stability.
FONTE ORIGINAL:
https://sbtnews.sbt.com.br/noticia/economia/bc-aponta-recuo-nos-emprestimos-mas-alta-do-credito-publico
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