{"id":8340,"date":"2022-07-26T10:18:05","date_gmt":"2022-07-26T10:18:05","guid":{"rendered":"https:\/\/www.isutc.ac.mz\/?p=8340"},"modified":"2022-07-26T10:18:05","modified_gmt":"2022-07-26T10:18:05","slug":"analise-de-credito-2","status":"publish","type":"post","link":"https:\/\/www.isutc.ac.mz\/?p=8340","title":{"rendered":"An\u00e1lise de Cr\u00e9dito"},"content":{"rendered":"\n<p><strong>Descri\u00e7\u00e3o do Curso: <\/strong>forma\u00e7\u00e3o\nte\u00f3rica e pr\u00e1tica sobre estrat\u00e9gias e procedimentos para contrata\u00e7\u00e3o de\nfinanciamentos<\/p>\n\n\n\n<p><strong>Objectivo geral<\/strong><\/p>\n\n\n\n<p>No final deste curso,\nos participantes ser\u00e3o capazes de:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Dar a conhecer os pressupostos usados na banca comercial para\nconcess\u00e3o de cr\u00e9dito permitindo aos participantes um melhor dom\u00ednio na\nconcess\u00e3o de cr\u00e9dito ou na negocia\u00e7\u00e3o com a banca.<\/li><\/ul>\n\n\n\n<p><strong>Objectivos espec\u00edficos vs. Compet\u00eancias a Desenvolver:<\/strong> <\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Preparar um dossier de cr\u00e9dito; <\/li><li>Avaliar o procedimento tradicional na an\u00e1lise de cr\u00e9dito (5 C\u00b4s de\ncr\u00e9dito);<\/li><li>Conhecer os tipos de cr\u00e9ditos banc\u00e1rios;<\/li><li>Adequar os tipos de cr\u00e9ditos ao ciclo de neg\u00f3cio da empresa, ou as\nnecessidades dos mutu\u00e1rios;<\/li><li>Negociar com a banca (modalidade de financiamento, prazos, taxas e\noutras condi\u00e7\u00f5es);<\/li><li>Saber a import\u00e2ncia de uma an\u00e1lise de cr\u00e9dito;<\/li><li>Renegociar com a banca em tempo de crises ou dificuldades\nfinanceiras da empresa; <\/li><li>Conhecer os r\u00e1cios financeiros relevantes para a decis\u00e3o de\ncr\u00e9dito;<\/li><li>Emitir um parecer para concess\u00e3o ou n\u00e3o de cr\u00e9dito.<\/li><\/ol>\n\n\n\n<p>Dura\u00e7\u00e3o: 24 horas totais, 8 sess\u00f5es de 3h\/dia\n<\/p>\n\n\n\n<p>Data: 15\/08\/2022 \u2013 26\/08\/2022<\/p>\n\n\n\n<p>Hor\u00e1rios: 17h00 \u2013 20h00<\/p>\n\n\n\n<p>Modalidade: online (aulas em zoom). <\/p>\n\n\n\n<p>Avalia\u00e7\u00e3o: GoogleClassroom<\/p>\n\n\n\n<p><strong>Programa:\n<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Cr\u00e9dito, suas finalidades e riscos no mercado<\/li><\/ol>\n\n\n\n<ul class=\"wp-block-list\"><li>Conceito de cr\u00e9dito;<\/li><li>O 5 C`s de cr\u00e9dito;<\/li><li>Informa\u00e7\u00e3o relevante para analise de um cr\u00e9dito;<\/li><li>\u00a0Tipos de cr\u00e9dito banc\u00e1rio;<\/li><li>Custos e despesas do financiamento banc\u00e1rio;<\/li><li>Perfectiva do empres\u00e1rio vs Perfectiva da empresa;<\/li><li>\u00a0Decis\u00e3o de cr\u00e9dito \u2013 montar um processo de aplica\u00e7\u00e3o de cr\u00e9dito;<\/li><li>Processo de an\u00e1lise de cr\u00e9dito para pessoas f\u00edsicas e jur\u00eddicas<ul><li>O conceito de an\u00e1lise de cr\u00e9dito;<\/li><li>A an\u00e1lise de cr\u00e9dito para pessoa f\u00edsica\/jur\u00eddica;<\/li><li>Documenta\u00e7\u00e3o para an\u00e1lise de cr\u00e9dito para pessoa f\u00edsica\/jur\u00eddica;<\/li><li>Vantagem da an\u00e1lise de cr\u00e9dito para pessoa f\u00edsica\/jur\u00eddica;<\/li><\/ul><\/li><\/ul>\n\n\n\n<ol class=\"wp-block-list\"><li><\/li><li> Tipo de garantias exigidas pela banca e outras contrapartidas; <\/li><li>Simular c\u00e1lculos de presta\u00e7\u00f5es e de r\u00e1cios de endividamento (usando o \u201c<em>what if analysis\u201d);<\/em><\/li><li><em>\u201cShopping around\u201d<\/em> e negociar com a Banca;<\/li><li>Principiais<em> \u201cfinancial convenants\u201d;<\/em><\/li><li>Acompanhamento de cr\u00e9dito;<\/li><li>Medidas a tomar no processo de recupera\u00e7\u00e3o de cr\u00e9dito;<\/li><li>Renegociar a divida banc\u00e1ria;<\/li><li>Decis\u00f5es na gest\u00e3o de cr\u00e9dito em tempo de recess\u00e3o;<\/li><li>An\u00e1lise sucinta das demonstra\u00e7\u00f5es financeiras;<ul><li>Ativo, passivo e patrim\u00f3nio liquido<\/li><\/ul><\/li><li>Riscos percebidos pelo Banco nos diversos sectores, o caso de:<ul><li>Agricultura em Mo\u00e7ambique;<\/li><li>Com\u00e9rcio e servi\u00e7os;<\/li><li>Transportes;<\/li><\/ul><\/li><li>Estudos de casos:<ul><li>Pr\u00e1tica de estudos de casos favor\u00e1veis a concess\u00e3o de cr\u00e9dito;<\/li><li>Pr\u00e1tica de estudos de casos com condicionantes a concess\u00e3o de cr\u00e9dito;<\/li><li>Pr\u00e1tica de estudos de casos desfavor\u00e1veis a concess\u00e3o de cr\u00e9dito;<\/li><\/ul><\/li><\/ol>\n\n\n\n<p><strong>Tarifa\/ investimento: <\/strong><\/p>\n\n\n\n<table class=\"wp-block-table\"><tbody><tr><td>   10,000.00   Mt<\/td><td>\n  Graduados do ISUTC\n  <\/td><\/tr><tr><td>\n  12,000.00\n  <\/td><td>\n  Outros\n  <\/td><\/tr><\/tbody><\/table>\n\n\n\n<p><strong>Link para inscri\u00e7\u00e3o:<\/strong> <a href=\"https:\/\/bit.ly\/Forma\u00e7\u00e3oExtraCurricularECont\u00ednua\">https:\/\/bit.ly\/Forma\u00e7\u00e3oExtraCurricularECont\u00ednua<\/a><\/p>\n\n\n\n<p><strong>Formador: \u00a0<\/strong>Rosa Serra <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Descri\u00e7\u00e3o do Curso: forma\u00e7\u00e3o te\u00f3rica e pr\u00e1tica sobre estrat\u00e9gias e procedimentos para contrata\u00e7\u00e3o de financiamentos Objectivo geral No final deste curso, os participantes ser\u00e3o capazes de: Dar a conhecer os pressupostos usados na banca comercial para concess\u00e3o de cr\u00e9dito permitindo aos participantes um melhor dom\u00ednio na concess\u00e3o de cr\u00e9dito ou na negocia\u00e7\u00e3o com a banca. [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8340","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>An\u00e1lise de Cr\u00e9dito - ISUTC<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.isutc.ac.mz\/?p=8340\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"An\u00e1lise de Cr\u00e9dito - ISUTC\" \/>\n<meta property=\"og:description\" content=\"Descri\u00e7\u00e3o do Curso: forma\u00e7\u00e3o te\u00f3rica e pr\u00e1tica sobre estrat\u00e9gias e procedimentos para contrata\u00e7\u00e3o de financiamentos Objectivo geral No final deste curso, os participantes ser\u00e3o capazes de: Dar a conhecer os pressupostos usados na banca comercial para concess\u00e3o de cr\u00e9dito permitindo aos participantes um melhor dom\u00ednio na concess\u00e3o de cr\u00e9dito ou na negocia\u00e7\u00e3o com a banca. 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