{"id":3037,"date":"2024-04-11T18:03:56","date_gmt":"2024-04-11T21:03:56","guid":{"rendered":"https:\/\/www.fialdiniadvogados.com.br\/?p=3037"},"modified":"2024-04-11T18:04:43","modified_gmt":"2024-04-11T21:04:43","slug":"bc-estipula-criterios-para-avaliacao-de-perda-esperada","status":"publish","type":"post","link":"https:\/\/www.fialdiniadvogados.com.br\/painel\/bc-estipula-criterios-para-avaliacao-de-perda-esperada\/","title":{"rendered":"BC estipula crit\u00e9rios para avalia\u00e7\u00e3o de perda esperada"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3037\" class=\"elementor elementor-3037\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d18948a elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"6d18948a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-258963ba\" data-id=\"258963ba\" 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-54a78fb8 de_scroll_animation_no elementor-invisible elementor-widget elementor-widget-dt-post-title\" data-id=\"54a78fb8\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"dt-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"dt-post-title \">BC estipula crit\u00e9rios para avalia\u00e7\u00e3o de perda esperada<\/h1>\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-57ed7942 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"57ed7942\" 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-50 elementor-top-column elementor-element elementor-element-79339693\" data-id=\"79339693\" 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-5fe07e78 de_scroll_animation_no elementor-invisible elementor-widget elementor-widget-post-featured-image\" data-id=\"5fe07e78\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"press-elements-featured-image \"><img fetchpriority=\"high\" decoding=\"async\" width=\"1080\" height=\"1080\" src=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-content\/uploads\/2024\/04\/Risco-de-credito-8.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" \/><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee16f7d de_scroll_animation_no elementor-widget elementor-widget-text-editor\" data-id=\"ee16f7d\" 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\t\t<p>A partir de 1\u00ba de janeiro de 2025, as institui\u00e7\u00f5es financeiras que utilizem a metodologia completa de apura\u00e7\u00e3o das perdas esperadas associadas ao risco de cr\u00e9dito dever\u00e3o estimar, de forma individual, a probabilidade de o instrumento ser caracterizado como ativo com problema de recupera\u00e7\u00e3o de cr\u00e9dito, assim como sua expectativa de recupera\u00e7\u00e3o, levando em conta par\u00e2metros espec\u00edficos.<\/p><p>Os crit\u00e9rios para c\u00e1lculo dos componentes est\u00e3o definidos na Instru\u00e7\u00e3o Normativa BCB n\u00b0 464.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6da2f57 elementor-post-navigation-borders-yes de_scroll_animation_no elementor-widget elementor-widget-post-navigation\" data-id=\"6da2f57\" data-element_type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/bets-serao-regulamentadas-ate-o-final-de-julho\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><i class=\"fa fa-angle-left\" aria-hidden=\"true\"><\/i><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Anterior<\/span><span class=\"post-navigation__prev--title\">Bets ser\u00e3o regulamentadas at\u00e9 o final de julho<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation__separator-wrapper\">\n\t\t\t\t\t<div class=\"elementor-post-navigation__separator\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/normas-que-entram-em-vigor-em-maio\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Pr\u00f3ximo<\/span><span class=\"post-navigation__next--title\">Normas que entram em vigor 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             <div class=\"col-md-12\">\n\n                                    <div class=\"elementskit-blog-block-post\">\n                        <div class=\"row no-gutters\">\n                                                            <div class=\"col-md-6 order-1\">\n                                    <a href=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/fialdini-advogados-fortalece-atuacao-em-direito-societario-e-ma-com-a-chegada-de-bia-kowalewski\/\" class=\"elementskit-entry-thumb\">\n                                        <img decoding=\"async\" src=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-content\/uploads\/2026\/06\/bia_post-150x150.png\" alt=\"Fialdini Advogados fortalece atua\u00e7\u00e3o em Direito Societ\u00e1rio e M&#038;A com a chegada de Bia Kowalewski\">\n                                    <\/a><!-- .elementskit-entry-thumb END -->\n                                <\/div>\n                            \n                            <div class=\"col-md-6 order-2\">\n                                <div class=\"elementskit-post-body \">\n                                    <div class=\"elementskit-entry-header\">\n                                        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"entry-title\">\n\t\t\t\t\t<a href=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/fialdini-advogados-fortalece-atuacao-em-direito-societario-e-ma-com-a-chegada-de-bia-kowalewski\/\">\n\t\t\t\t\t\tFialdini Advogados fortalece atua\u00e7\u00e3o em Direito Societ\u00e1rio e M&#038;A com a chegada de Bia Kowalewski\t\t\t\t\t<\/a>\n\t\t\t\t<\/h2>\n\t\t\t                                        \n                                                                                            \t\t\t\t\t\t\t\t\t\t\t<div class=\"post-meta-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t                                            \n                                            \n                                                                                <\/div><!-- .elementskit-entry-header END -->\n\n                                                                    <\/div><!-- .elementskit-post-body END -->\n                            <\/div>\n                        <\/div>\n                    <\/div><!-- .elementskit-blog-block-post .radius .gradient-bg END -->\n                \n            <\/div>\n                    <div class=\"col-md-12\">\n\n                                    <div class=\"elementskit-blog-block-post\">\n                        <div class=\"row no-gutters\">\n                                                            <div class=\"col-md-6 order-1\">\n                                    <a href=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/o-boom-dos-fiagros-estruturas-que-estao-fugindo-do-obvio-e-atraindo-investidores-institucionais\/\" class=\"elementskit-entry-thumb\">\n                                        <img decoding=\"async\" src=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-content\/uploads\/2026\/01\/1-1-150x150.webp\" alt=\"O &#8220;boom&#8221; dos Fiagros: estruturas que est\u00e3o fugindo do \u00f3bvio e atraindo investidores institucionais\">\n                                    <\/a><!-- .elementskit-entry-thumb END -->\n                                <\/div>\n                            \n                            <div class=\"col-md-6 order-2\">\n                                <div class=\"elementskit-post-body \">\n                                    <div class=\"elementskit-entry-header\">\n                                        \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h2 class=\"entry-title\">\n\t\t\t\t\t<a href=\"https:\/\/www.fialdiniadvogados.com.br\/painel\/o-boom-dos-fiagros-estruturas-que-estao-fugindo-do-obvio-e-atraindo-investidores-institucionais\/\">\n\t\t\t\t\t\tO &#8220;boom&#8221; dos Fiagros: estruturas que est\u00e3o fugindo do \u00f3bvio e atraindo investidores institucionais\t\t\t\t\t<\/a>\n\t\t\t\t<\/h2>\n\t\t\t                                        \n                                                                                            \t\t\t\t\t\t\t\t\t\t\t<div class=\"post-meta-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t                                            \n                                            \n                                                                                <\/div><!-- .elementskit-entry-header END -->\n\n                                                                    <\/div><!-- .elementskit-post-body END -->\n                            <\/div>\n                        <\/div>\n                    <\/div><!-- .elementskit-blog-block-post .radius .gradient-bg END -->\n                \n            <\/div>\n                <\/div>\n       <\/div>\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>BC estipula crit\u00e9rios para avalia\u00e7\u00e3o de perda esperada A partir de 1\u00ba de janeiro de 2025, as institui\u00e7\u00f5es financeiras que utilizem a metodologia completa de apura\u00e7\u00e3o das perdas esperadas associadas ao risco de cr\u00e9dito dever\u00e3o estimar, de forma individual, a probabilidade de o instrumento ser caracterizado como ativo com problema de recupera\u00e7\u00e3o de cr\u00e9dito, assim [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3038,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-3037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sem-categoria-pt"],"_links":{"self":[{"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/posts\/3037","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/comments?post=3037"}],"version-history":[{"count":4,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/posts\/3037\/revisions"}],"predecessor-version":[{"id":3042,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/posts\/3037\/revisions\/3042"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/media\/3038"}],"wp:attachment":[{"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/media?parent=3037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/categories?post=3037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fialdiniadvogados.com.br\/painel\/wp-json\/wp\/v2\/tags?post=3037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}