Determinantes do spread banc??rio no Brasil

O spread ?? a diferen??a que os bancos cobram dos tomadores de empr??stimos e pagam aos poupadores. Este tema ?? de suma import??ncia para a economia do pa??s, pois atrav??s dos empr??stimos realizado pelas institui????es banc??rias s??o efetuados os investimentos necess??rios para o crescimento econ??mico. Desde 1999 o Banco Central do Brasil divulga os principais componentes do spread, que ?? um dos componentes da taxa de juros cobrada dos tomadores de empr??stimos, que cobre as despesas das institui????es financeiras, remunera os poupadores e os bancos. O assunto em quest??o apresenta-se em diversos estudos, por??m sem um consenso entre os seus autores, sendo a taxa de juros de remunera????o dos t??tulos do governo (Selic), juntamente com a taxa de inadimpl??ncia, as maiores influ??ncias no spread cobrado pelos bancos brasileiros. Mesmo com a queda dos juros no mercado interno no per??odo recente e internacionalmente ap??s a crise de 2008 as taxas cobradas pelas institui????es financeiras continuam em um n??vel elevado, por??m com modifica????es na composi????o do spread.The spread is the difference that banks charge from borrowers and savers to pay. This topic is of paramount importance for the country's economy, as through loans made by banks are made the necessary investment to economic growth. Since 1999 the Central Bank of Brazil presents the main components of the spread, which is one of the components of the interest rate charged to borrowers, which covers the costs of financial institutions, pays savers and banks. The subject matter is presented in several studies, but without a consensus among the authors, with the interest rate of return on government bonds (Selic), along with the default rate, the major influences on the spread charged by banks Brazilians. Even with the decline in interest rates domestically and internationally in recent years after the crisis of 2008 the rates charged by financial institutions remain at a high level, but with changes in the composition of the spread