{"id":3150,"date":"2021-06-23T10:15:20","date_gmt":"2021-06-23T10:15:20","guid":{"rendered":"https:\/\/imrecobros.com\/?p=3150"},"modified":"2022-01-13T12:41:03","modified_gmt":"2022-01-13T11:41:03","slug":"como-construir-tu-propio-credit-score","status":"publish","type":"post","link":"https:\/\/imrecobros.com\/pt\/como-construir-tu-propio-credit-score\/","title":{"rendered":"Como construir sua pr\u00f3pria pontua\u00e7\u00e3o de cr\u00e9dito"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3150\" class=\"elementor elementor-3150\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-68ca9f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"68ca9f6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7a90b28\" data-id=\"7a90b28\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05e1262 elementor-widget elementor-widget-image\" data-id=\"05e1262\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"433\" height=\"288\" src=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit_score2.jpeg\" class=\"attachment-large size-large wp-image-3160\" alt=\"Credit Score\" srcset=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit_score2.jpeg 433w, https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit_score2-300x200.jpeg 300w\" sizes=\"(max-width: 433px) 100vw, 433px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efa35b7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efa35b7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a86cac\" data-id=\"0a86cac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-884cfcd elementor-widget elementor-widget-heading\" data-id=\"884cfcd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Introdu\u00e7\u00e3o \u00e0 pontua\u00e7\u00e3o de cr\u00e9dito<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7fae624 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7fae624\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-209745e\" data-id=\"209745e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df98d30 elementor-widget elementor-widget-text-editor\" data-id=\"df98d30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">O score de cr\u00e9dito nada mais \u00e9 do que uma ferramenta que permite avaliar o risco de cr\u00e9dito do solicitante de forma automatizada, objetiva e consistente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">O seu objetivo permite-nos diferenciar de forma r\u00e1pida e objetiva um cliente \u201cbom\u201d (baixa probabilidade de insolv\u00eancia) de um cliente \u201cmau\u201d (alta probabilidade de insolv\u00eancia).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uma metodologia geral para construir um modelo simples de pontua\u00e7\u00e3o de cr\u00e9dito \u00e9 descrita abaixo. Este exemplo de pontua\u00e7\u00e3o foi realizado para uma carteira de clientes que inclui todos os tipos de setores e tipos de empresas.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-999dcd7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"999dcd7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a7d5c58\" data-id=\"a7d5c58\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fd74a58 elementor-widget elementor-widget-heading\" data-id=\"fd74a58\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2. Coleta de dados<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c88ecf2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c88ecf2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5410426\" data-id=\"5410426\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-229d257 elementor-widget elementor-widget-heading\" data-id=\"229d257\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.1. O que analisamos em nosso pr\u00f3prio banco de dados?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fc8985 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fc8985\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca489f8\" data-id=\"ca489f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-070bb7c elementor-widget elementor-widget-text-editor\" data-id=\"070bb7c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">A primeira coisa que temos que estabelecer \u00e9: qual ser\u00e1 a base de dados a analisar. Como \u00e9 formada a carteira de clientes?<\/span><\/p><p><span style=\"font-weight: 400;\">Neste exemplo foi estabelecido que a base de dados \u00e9 composta por clientes que compraram no \u00faltimo ano.\u00a0<\/span><\/p><p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">As seguintes an\u00e1lises s\u00e3o realizadas:<\/span><\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Comportamento de pagamento interno<\/b><span style=\"font-weight: 400;\">Por exemplo, quais clientes apresentaram incidentes de pagamento e tiveram que ser gerenciados por uma empresa de cobran\u00e7a externa.\u00a0 <\/span>Na an\u00e1lise detect\u00e1mos que 84% dos clientes que foram geridos por empresas de cobran\u00e7a externas s\u00e3o sociedades an\u00f3nimas ou sociedades por quotas. A primeira conclus\u00e3o \u00e9 que vamos direcionar a pontua\u00e7\u00e3o de cr\u00e9dito para filtrar os clientes com personalidade jur\u00eddica SA ou SL ou que depositam contas anuais no registo comercial. Desta forma estabeleceremos vari\u00e1veis de acordo com as informa\u00e7\u00f5es que pudermos obter de forma mais ou menos automatizada.<\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Probabilidade<\/b><span style=\"font-weight: 400;\"> apresentar <\/span><b>insolv\u00eancia<\/b><span style=\"font-weight: 400;\"> no curto\/m\u00e9dio prazo (dado o peso do SA e SL nos clientes com incidentes de pagamento). N\u00f3s medimos isso com a propor\u00e7\u00e3o <\/span><b>Altman<\/b><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An\u00e1lise setorial: o que <\/span><b>setores<\/b><span style=\"font-weight: 400;\"> Eles s\u00e3o mais propensos a entrar <\/span><b>fal\u00eancia<\/b><span style=\"font-weight: 400;\">?\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An\u00e1lise de estat\u00edsticas nacionais relativas a processos de fal\u00eancia. Permite comparar o que se passa a n\u00edvel nacional e se coincide com o comportamento da carteira de clientes analisada.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccde371 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccde371\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-31576b3\" data-id=\"31576b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70864d1 elementor-widget elementor-widget-heading\" data-id=\"70864d1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2.2. Que informa\u00e7\u00f5es vamos levar em considera\u00e7\u00e3o?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c69cc0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c69cc0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2315023\" data-id=\"2315023\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e7eb84 elementor-widget elementor-widget-text-editor\" data-id=\"0e7eb84\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Uma vez realizada a primeira an\u00e1lise da carteira de clientes, \u00e9 necess\u00e1rio determinar quais vari\u00e1veis far\u00e3o parte da f\u00f3rmula.<\/span><\/p><p><span style=\"font-weight: 400;\">Existe uma grande diversidade de vari\u00e1veis que podem ser consideradas para o desenvolvimento de um modelo de pontua\u00e7\u00e3o. Tanto quantitativos como qualitativos, tais como: liquidez, solv\u00eancia, capacidade de reembolso, dimens\u00e3o da empresa, sector, etc.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Dependendo se analisamos pessoas f\u00edsicas, pessoas jur\u00eddicas, risco de curto, m\u00e9dio ou longo prazo, selecionaremos um ou outro.<\/span><\/p><p><span style=\"font-weight: 400;\">Da an\u00e1lise efetuada determina-se que as vari\u00e1veis a ter em conta para a pontua\u00e7\u00e3o e que se revelaram eficientes na previs\u00e3o da probabilidade de incumprimento s\u00e3o as seguintes:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Idade da empresa<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tamanho da empresa<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Classifica\u00e7\u00e3o de cr\u00e9dito de ag\u00eancia externa<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Setor de atividade<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Solv\u00eancia<\/b><span style=\"font-weight: 400;\"> (Z-Altman)<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-972a57f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"972a57f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e3f866\" data-id=\"6e3f866\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e5162e elementor-widget elementor-widget-heading\" data-id=\"8e5162e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3. An\u00e1lise do comportamento interno do cliente. <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0970f24 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0970f24\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-383c358\" data-id=\"383c358\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6304d0a elementor-widget elementor-widget-text-editor\" data-id=\"6304d0a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Uma vez determinadas quais vari\u00e1veis far\u00e3o parte da f\u00f3rmula, realizamos a an\u00e1lise tomando como amostra os clientes que aparecem em nossa base de dados que entraram com processos de fal\u00eancia e analisamos seu comportamento.<\/span><\/p><p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">O resultado da an\u00e1lise \u00e9 o seguinte:<\/span><\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>IDADE DA EMPRESA:<\/strong> Ele <\/span><b>69%<\/b><span style=\"font-weight: 400;\"> dos concursos t\u00eam menos de 11 anos.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8fa5a48 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8fa5a48\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54cd90e\" data-id=\"54cd90e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed086e6 elementor-widget elementor-widget-image\" data-id=\"ed086e6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"469\" height=\"154\" src=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/Captura-de-pantalla-2021-06-23-122635.png\" class=\"attachment-large size-large wp-image-3152\" alt=\"Credit Score\" srcset=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/Captura-de-pantalla-2021-06-23-122635.png 469w, https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/Captura-de-pantalla-2021-06-23-122635-300x99.png 300w\" sizes=\"(max-width: 469px) 100vw, 469px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fe4f89b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe4f89b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c19cae\" data-id=\"4c19cae\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c7418ae elementor-widget elementor-widget-text-editor\" data-id=\"c7418ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Por exemplo, fazemos uma an\u00e1lise para cada vari\u00e1vel como no exemplo anterior.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>DIMENS\u00c3O DA EMPRESA:<\/strong> Ele <\/span><b>73%<\/b><span style=\"font-weight: 400;\"> dos concursos s\u00e3o pequenas empresas ou n\u00e3o possuem dados<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>CLASSIFICA\u00c7\u00c3O EXTERNA DA EMPRESA:<\/strong> Ele<\/span><b> 59%<\/b><span style=\"font-weight: 400;\"> dos concursos tem categoria externa de: Contado, Vigil\u00e2ncia ou Cuidado<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>SETOR DE ATIVIDADE:<\/strong> Ele <\/span><b>76%<\/b><span style=\"font-weight: 400;\"> das competi\u00e7\u00f5es pertencem aos setores X.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>SOLV\u00caNCIA:<\/strong> Ele <\/span><b>86%<\/b><span style=\"font-weight: 400;\"> do processo de fal\u00eancia tem um \u00edndice Altman de probabilidade de insolv\u00eancia alta ou duvidosa ou n\u00e3o possui dados financeiros.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Dependendo dos resultados, atribu\u00edmos a pontua\u00e7\u00e3o (neste caso, de 0 a 10) que \u00e9 posteriormente testada para verificar se os resultados da f\u00f3rmula s\u00e3o confi\u00e1veis.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ddc5e1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ddc5e1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f98fd3\" data-id=\"2f98fd3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bae2559 elementor-widget elementor-widget-heading\" data-id=\"bae2559\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4. Construir a ferramenta para discriminar o cliente \u201cbom\u201d do cliente \u201cruim\u201d.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3b7e57 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a3b7e57\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e52411f\" data-id=\"e52411f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d962433 elementor-widget elementor-widget-text-editor\" data-id=\"d962433\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><b>COMO CONSTRU\u00cdMOS A F\u00d3RMULA?<\/b><\/p><p><span style=\"font-weight: 400;\">Uma vez determinadas as percentagens discriminantes das vari\u00e1veis selecionadas, estabelecemos o peso de cada uma delas na f\u00f3rmula.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30e93c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30e93c0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-126d0b9\" data-id=\"126d0b9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cb4c8fd elementor-widget elementor-widget-image\" data-id=\"cb4c8fd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"481\" height=\"259\" src=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit-score-.png\" class=\"attachment-large size-large wp-image-3156\" alt=\"credit score\" srcset=\"https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit-score-.png 481w, https:\/\/imrecobros.com\/wp-content\/uploads\/2021\/06\/credit-score--300x162.png 300w\" sizes=\"(max-width: 481px) 100vw, 481px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d3e27ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3e27ef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bbedd01\" data-id=\"bbedd01\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dcb4816 elementor-widget elementor-widget-text-editor\" data-id=\"dcb4816\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">A f\u00f3rmula para nosso escore z \u00e9 a seguinte:<\/span><\/span><\/p><p><b>PONTUA\u00c7\u00c3O Z = <\/b><b>19%*<\/b><span style=\"font-weight: 400;\"> ANTIGUIDADE + <\/span><b>20%<\/b><span style=\"font-weight: 400;\"> *TAMANHO + <\/span><b>16%*<\/b><span style=\"font-weight: 400;\">AG\u00caNCIA EXTERNA + <\/span><b>21%*<\/b><span style=\"font-weight: 400;\"> SETOR + <\/span><b>24%<\/b><span style=\"font-weight: 400;\"> *ALTMAN<\/span><\/p><p><span style=\"font-weight: 400;\">Uma vez determinada a f\u00f3rmula temos que atribuir a segmenta\u00e7\u00e3o para determinar o n\u00edvel de risco: alto, m\u00e9dio ou baixo.<\/span><\/p><p><b>TESTE DE CONFIABILIDADE DE PONTUA\u00c7\u00c3O DE CR\u00c9DITO (Z-SCORE)<\/b><\/p><p><span style=\"font-weight: 400;\">Finalmente, uma vez atribu\u00eddas as se\u00e7\u00f5es para determinar o n\u00edvel de risco resultante, devemos testar a f\u00f3rmula.<\/span><\/p><p><span style=\"font-weight: 400;\">Para tal, e tomando como base a amostra, tanto de clientes em processo de fal\u00eancia, como a amostra de clientes geridos por empresas de cobran\u00e7a externas, cruzamos os resultados e verificamos a percentagem de sucesso.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/p><p><span style=\"font-weight: 400;\">\u00c9 consistente que, no segundo caso, a percentagem seja inferior, uma vez que nem todos os clientes que reivindicamos legalmente instauram posteriormente processos de fal\u00eancia, uma vez que as raz\u00f5es do n\u00e3o pagamento n\u00e3o se devem exclusivamente a problemas de liquidez.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7d88ce elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7d88ce\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2f52921\" data-id=\"2f52921\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65078c7 elementor-widget elementor-widget-heading\" data-id=\"65078c7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Siga-nos<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b155a2 elementor-shape-circle e-grid-align-left elementor-grid-0 elementor-widget elementor-widget-social-icons\" data-id=\"5b155a2\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-animation-grow elementor-repeater-item-7d5c333\" href=\"https:\/\/www.linkedin.com\/company\/imrecobros\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-animation-grow elementor-repeater-item-27a3552\" href=\"https:\/\/www.facebook.com\/IMrecobros\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>1. Introdu\u00e7\u00e3o ao Score de Cr\u00e9dito O score de cr\u00e9dito nada mais \u00e9 do que uma ferramenta que permite avaliar o risco de cr\u00e9dito do solicitante de forma automatizada, objetiva e consistente. O seu objetivo permite-nos diferenciar de forma r\u00e1pida e objetiva um \u201cbom\u201d cliente (baixa probabilidade de insolv\u00eancia) de um \u201cmau\u201d cliente (alta probabilidade de insolv\u00eancia). \u2026<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/imrecobros.com\/pt\/como-construir-tu-propio-credit-score\/\"> <span class=\"screen-reader-text\">Como construir sua pr\u00f3pria pontua\u00e7\u00e3o de cr\u00e9dito<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[41],"tags":[43,42],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - 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