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Atividades de gestão bancária : o caso da Caixa Económica da Misericórdia de Angra do Heroísmo
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Abstract(s)
O presente trabalho consiste num relatório de estágio elaborado com o intuito de obter o grau de Mestre em Ciências Económicas e Empresarias, com especialização em Finanças e Contabilidade, na Universidade dos Açores. Este estágio decorreu na Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH) e teve início no dia 1 de outubro de 2021 e término a 30 de junho de 2022, perfazendo um total de nove meses.
No presente relatório é efetuado um enquadramento teórico sobre o sector bancário, sendo aprofundado a origem do dinheiro, as suas caraterísticas, assim como, a definição de banco, a sua evolução ao longo dos anos e a sua importância. Posteriormente, é efetuada a caracterização geral da empresa, da divisão, a descrição de todas as atividades desenvolvidas ao longo do estágio e, por fim, uma análise crítica ao mesmo.
No que toca ao enquadramento teórico, é possível verificar que a CEMAH é uma empresa fundada a 26 de abril de 1896, com o objeto de exercício de atividade bancária, tendo como único acionista a Santa Casa da Misericórdia de Angra do Heroísmo (SCMAH). Além disto, constata-se que a origem do dinheiro não é certa, havendo duas teorias explicativas do modo como surgiu. Por fim, um Banco é definido como sendo uma instituição financeira com o intuito de receber depósitos e conceder empréstimo, como também de prestar serviços financeiros como gestão de riqueza, câmbio e caixas de depósitos seguras.
Relativamente às atividades desenvolvidas, estas foram divididas na vertente administrativa, onde o foco está relacionado com a manutenção de base de dados dos clientes, a gestão do arquivo da agência, a organização e tratamento do expediente e a validação dos contratos; e a vertente comercial, onde a principal atenção está relacionada com o contato com o cliente, com vista à captação de novo negócio.
Por fim, como análise crítica ao estágio, realça-se a forma como a CEMAH oferece oportunidades de formação para os seus colaboradores, permitindo um desenvolvimento das suas competências pessoais e profissionais. Sendo o sector bancário tão competitivo, é necessário haver uma constante inovação, tornar os processos mais simples e eficientes e permitir uma maior autonomia ao cliente, pontos estes que a CEMAH tem vindo a adotar desde a sua fundação.
ABSTRACT: The present work consists of an internship report prepared to obtain the Masters in Economic and Business Sciences, with a specialization in Finance and Accounting, taught at the University of the Azores. The internship took place at Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH) and began on October 1st, 2021, and ended on June 30th, 2022, that lasted nine months. This report has a theoretical framework on the banking sector, explaining the origin of money, its characteristics, as well as the definition of bank and its evolution over the years. Subsequently, the general characteristic of the company, the division, the description of all the activities developed throughout the internship and, finally, a critical analysis of the internship is carried out. Concerning the theoretical framework, it is possible to verify that CEMAH is a company founded on April 26, 1896, with the object of banking activity, having as sole shareholder the Santa Casa da Misericórdia de Angra do Heroísmo (SCMAH). In addition, it is possible to verify that the origin of the money is not certain, and there are two explanatory theories of the way it arose. Finally, a Bank is defined as being a financial institution with the intention of receiving deposits and lending, as well as providing financial services such as wealth management, foreign exchange and secure deposit boxes. Regarding the activities developed, these were divided in the administrative aspect, where the focus is on the maintenance of the customer database, the management of the agency's archive, the organization and treatment of the office and the validation of contracts; and the commercial aspect, where the main attention is related to contact with the client, with a view to attract a new business. Finally, as a critical analysis of the internship, CEMAH offers training opportunities for its employees, allowing a development of their personal and professional skills. Since the banking sector is so competitive, it is necessary to be in constant innovation, making processes simpler and more efficient and allowing greater autonomy to the customer, points that CEMAH has been adopting since its foundation.
ABSTRACT: The present work consists of an internship report prepared to obtain the Masters in Economic and Business Sciences, with a specialization in Finance and Accounting, taught at the University of the Azores. The internship took place at Caixa Económica da Misericórdia de Angra do Heroísmo (CEMAH) and began on October 1st, 2021, and ended on June 30th, 2022, that lasted nine months. This report has a theoretical framework on the banking sector, explaining the origin of money, its characteristics, as well as the definition of bank and its evolution over the years. Subsequently, the general characteristic of the company, the division, the description of all the activities developed throughout the internship and, finally, a critical analysis of the internship is carried out. Concerning the theoretical framework, it is possible to verify that CEMAH is a company founded on April 26, 1896, with the object of banking activity, having as sole shareholder the Santa Casa da Misericórdia de Angra do Heroísmo (SCMAH). In addition, it is possible to verify that the origin of the money is not certain, and there are two explanatory theories of the way it arose. Finally, a Bank is defined as being a financial institution with the intention of receiving deposits and lending, as well as providing financial services such as wealth management, foreign exchange and secure deposit boxes. Regarding the activities developed, these were divided in the administrative aspect, where the focus is on the maintenance of the customer database, the management of the agency's archive, the organization and treatment of the office and the validation of contracts; and the commercial aspect, where the main attention is related to contact with the client, with a view to attract a new business. Finally, as a critical analysis of the internship, CEMAH offers training opportunities for its employees, allowing a development of their personal and professional skills. Since the banking sector is so competitive, it is necessary to be in constant innovation, making processes simpler and more efficient and allowing greater autonomy to the customer, points that CEMAH has been adopting since its foundation.
Description
Mestrado (Relatório de Estágio), Ciências Económicas e Empresariais, 6 de fevereiro de 2023, Universidade dos Açores.
Keywords
Banco Crédito Bancário Finanças Financiamento Bank Internship
Citation
Frazão, Sérgio Gaspar (2022). "Atividades de gestão bancária: o caso da Caixa Económica da Misericórdia de Angra do Heroísmo", 57 p.. Mestrado (Relatório de Estágio) em Ciências Económicas e Empresariais. Ponta Delgada: Universidade dos Açores. [Consult. Dia Mês Ano]. Disponível em www:<http://hdl.handle.net/10400.3/6671>