{"id":8012,"date":"2025-03-13T17:23:41","date_gmt":"2025-03-13T20:23:41","guid":{"rendered":"https:\/\/fenati.org.br\/?p=8012"},"modified":"2025-03-14T11:14:51","modified_gmt":"2025-03-14T14:14:51","slug":"fintechs-furar-bolha-credito-novo-consignado-clt","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/fintechs-furar-bolha-credito-novo-consignado-clt\/","title":{"rendered":"Fintechs querem furar bolha do cr\u00e9dito com novo consignado para CLT"},"content":{"rendered":"<p><strong>Novo consignado &#8211;<\/strong> As fintechs, empresas que aliam tecnologia e servi\u00e7os financeiros, est\u00e3o de olho no potencial do novo cr\u00e9dito consignado privado para competir com os grandes bancos. No entanto, enxergam riscos na implementa\u00e7\u00e3o inicial que podem comprometer a ades\u00e3o ao novo modelo.<\/p>\n<p>O sistema, lan\u00e7ado nessa quarta-feira (12) pelo governo federal, permitir\u00e1 que trabalhadores com carteira assinada contratem empr\u00e9stimos com desconto direto na folha de pagamento por meio da plataforma eSocial. A iniciativa visa ampliar o acesso ao cr\u00e9dito e incentivar a concorr\u00eancia no setor.<\/p>\n<p><a href=\"https:\/\/fenati.org.br\/receita-anuncia-mudancas-na-declaracao-do-imposto-de-renda-este-ano\/\" target=\"_blank\" rel=\"noopener\"><strong>LEIA: Receita anuncia mudan\u00e7as na declara\u00e7\u00e3o do Imposto de Renda este ano<\/strong><\/a><\/p>\n<p>Apesar da expectativa de maior inclus\u00e3o financeira, as fintechs alertam par desafios t\u00e9cnicos e operacionais. O principal ponto de preocupa\u00e7\u00e3o \u00e9 o processo de escritura\u00e7\u00e3o manual no MVP (M\u00ednimo Produto Vi\u00e1vel) do sistema. Atualmente, a efetiva\u00e7\u00e3o do empr\u00e9stimo depende da a\u00e7\u00e3o dos departamentos de Recursos Humanos das empresas, que precisar\u00e3o registrar manualmente os contratos na folha de pagamento. Sem um processo automatizado, h\u00e1 o risco de atrasos ou falhas no repasse dos valores \u00e0s institui\u00e7\u00f5es financeiras.<\/p>\n<p>Outro fator apontado pelas empesas financeira digitais \u00e9 aus\u00eancia da garantia de <a href=\"https:\/\/pt.wikipedia.org\/wiki\/Fundo_de_Garantia_do_Tempo_de_Servi%C3%A7o\" target=\"_blank\" rel=\"noopener\">FGTS<\/a> no MVP inicial. Atualmente, a legisla\u00e7\u00e3o permite que at\u00e9 10% do saldo do fundo sejam utilizados como garantia. Sem esse respaldo, o risco de inadimpl\u00eancia pode aumentar, tornando o cr\u00e9dito mais caro para o trabalhador.<\/p>\n<p>Atualmente, cerca de quatro milh\u00f5es de trabalhadores j\u00e1 utilizam o cr\u00e9dito consignado privado, um n\u00famero pequeno frente aos 42 milh\u00f5es de trabalhadores celetistas que podem ter acesso ao novo modelo. No entanto, as fintechs temem que a concorr\u00eancia com os grandes bancos n\u00e3o seja equilibrada.<\/p>\n<p>Essas institui\u00e7\u00f5es j\u00e1 operam no segmento e possuem um hist\u00f3rico detalhado dos clientes, o que lhes confere uma vantagem na precifica\u00e7\u00e3o e oferta de cr\u00e9dito. Sem o compartilhamento de informa\u00e7\u00f5es no \u00e2mbito do Open Finance, as fintechs ter\u00e3o menos dados para avaliar o risco de cr\u00e9dito, o que pode dificultar a oferta de taxas competitivas.<\/p>\n<p>Para diminuir esses desafios, as fintechs sugeriram ao governo algumas melhorias, como a automatiza\u00e7\u00e3o do processo de escritura\u00e7\u00e3o na folha de pagamento; defini\u00e7\u00e3o de um fluxo centralizado para repasses e cobran\u00e7as; implementa\u00e7\u00e3o de mecanismo para inadimpl\u00eancia, pagamentos parciais e atrasos e amplia\u00e7\u00e3o do compartilhamento de dados entre institui\u00e7\u00f5es financeiras.<\/p>\n<p>O governo argumenta que a Medida Provis\u00f3ria (MP) que regulamenta o novo cr\u00e9dito consignado trar\u00e1 obriga\u00e7\u00f5es legais para que empresas realizem a escritura\u00e7\u00e3o e os repasses corretamente, sob risco de san\u00e7\u00f5es e multas. Al\u00e9m disso, associa\u00e7\u00f5es de contadores e desenvolvedores de softwares e gest\u00e3o j\u00e1 est\u00e3o sedo mobilizados para facilitar a adapta\u00e7\u00e3o das empresas ao novo sistema.<\/p>\n<p>Com o lan\u00e7amento do MVP, a expectativa \u00e9 de que ajustes sejam feitos ao longo do tempo. Uma nova rodada est\u00e1 marcada para o dia 27 de abril, e a Dataprev pretende seguir aprimorando a plataforma conforme a demanda.<\/p>\n<p><em><strong>(Com informa\u00e7\u00f5es de Folha de S. Paulo)<\/strong><\/em><br \/>\n<em><strong>(Foto: Reprodu\u00e7\u00e3o\/Freepik)<\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>No entanto, h\u00e1 riscos; apesar da expectativa de maior inclus\u00e3o financeira, as fintechs alertam par desafios t\u00e9cnicos e operacionais<\/p>","protected":false},"author":10,"featured_media":8013,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[13],"class_list":["post-8012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ti","tag-sindical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintechs querem furar bolha do cr\u00e9dito com novo consignado para CLT - FENATI<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintechs querem furar bolha do cr\u00e9dito com novo consignado para CLT - 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