Loading...
Publication
CaraterizaĆ§Ć£o da oferta de produtos financeiros em Portugal
| Name: | Description: | Size: | Format: | |
|---|---|---|---|---|
| 11.46 MB | Adobe PDF |
Authors
Abstract(s)
A oferta de produtos financeiros aos investidores tem evoluĆdo ao longo das Ćŗltimas dĆ©cadas de forma bastante significativa.
Neste sentido, e de forma a explicar esta evoluĆ§Ć£o, vĆ”rios foram os autores que procuraram descrever o seu comportamento na Economia. As primeiras teorias, na visĆ£o neoclĆ”ssica, apresentavam um comportamento passivo da banca. Mais tarde surgiram outras teorias como as de Keynes e de Minsky, reconhecendo um papel ativo da atividade bancĆ”ria, nomeadamente na captaĆ§Ć£o de poupanƧas.
Partindo de uma anĆ”lise ao valor do ativo lĆquido bancĆ”rio, foi possĆvel identificar os seis maiores bancos com sede em Portugal.
O estudo foi feito de forma a perceber qual a oferta e especificidades dos produtos financeiros em Portugal para os clientes particulares, dividida nos quatro grupos: depĆ³sitos, fundos de investimento, valores mobiliĆ”rios e banca seguros.
Verificou-se de uma forma geral que a oferta de produtos financeiros disponĆvel nos bancos Ć© muito diversificada e, ao mesmo tempo, bastante uniforme. Constatou-se, igualmente, que os bancos continuam, por um lado a ter um papel passivo, na medida em que a decisĆ£o de investimento estĆ” dependente dos investidores, ao mesmo tempo que se verificam jĆ” inovaƧƵes financeiras para captaĆ§Ć£o diferenciada de poupanƧas.
ABSTRACT: The offer of financial products to investors has evolved valuably over the last decades. In order to explain this evolution, several authors sought to describe its behavior in economy. The first theories, in neoclassical vision, supported a passive behavior of banking. Other theories like Keynesās and Minskyās later appeared, recognizing the active role of the banking activity, in particular to mobilize clientās savings. Starting from an analysis of the net asset value, it was possible to identify the six largest banks with Portuguese headquarters. The study was done in order to understand what is the offer and specifics of the financial products in Portugal for private clients, divided in four groups: deposits, investment funds, securities and insurance banking. It was found that on an overall basis the offer of financial products available in banks is rather diverse and, at the same time, quite uniform. It was also noted that the banks remain, on the one hand having a passive role, to the extent that the investment decision is dependent on the investors, at the same time there are financial innovations to attracting differentiated savings.
ABSTRACT: The offer of financial products to investors has evolved valuably over the last decades. In order to explain this evolution, several authors sought to describe its behavior in economy. The first theories, in neoclassical vision, supported a passive behavior of banking. Other theories like Keynesās and Minskyās later appeared, recognizing the active role of the banking activity, in particular to mobilize clientās savings. Starting from an analysis of the net asset value, it was possible to identify the six largest banks with Portuguese headquarters. The study was done in order to understand what is the offer and specifics of the financial products in Portugal for private clients, divided in four groups: deposits, investment funds, securities and insurance banking. It was found that on an overall basis the offer of financial products available in banks is rather diverse and, at the same time, quite uniform. It was also noted that the banks remain, on the one hand having a passive role, to the extent that the investment decision is dependent on the investors, at the same time there are financial innovations to attracting differentiated savings.
Description
DissertaĆ§Ć£o de Mestrado, CiĆŖncias EconĆ³micas e Empresariais, 30 de novembro de 2017, Universidade dos AƧores.
Keywords
John Maynard Keynes (1883-1946) Hyman Philip Minsky (1919-1996) Bancos Produtos Financeiros Sistema EconĆ³mico Banks Financial Products Financial Innovation Neoclassical View
Citation
Toste, LuĆs Miguel da Silva. "CaraterizaĆ§Ć£o da oferta de produtos financeiros em Portugal". 2017. 127 p.. (DissertaĆ§Ć£o de Mestrado em CiĆŖncias EconĆ³micas e Empresariais). Ponta Delgada: Universidade dos AƧores, 2017. [Consult. Dia MĆŖs Ano]. DisponĆvel em www:<http://hdl.handle.net/10400.3/4641>.