Submitted by Marcia Bacha (marcia.bacha@fgv.br) on 2011-05-12T18:08:15Z No. of bitstreams: 1 000064807.pdf: 6663815 bytes, checksum: d37f3b00a661f77feccfc5fa8bf397ee (MD5) / Approved for entry into archive by Marcia Bacha(marcia.bacha@fgv.br) on 2011-05-12T18:08:26Z (GMT) No. of bitstreams: 1 000064807.pdf: 6663815 bytes, checksum: d37f3b00a661f77feccfc5fa8bf397ee (MD5) / Approved for entry into archive by Marcia Bacha(marcia.bacha@fgv.br) on 2011-05-12T18:08:35Z (GMT) No. of bitstreams: 1 000064807.pdf: 6663815 bytes, checksum: d37f3b00a661f77feccfc5fa8bf397ee (MD5) / Made available in DSpace on 2011-05-12T18:08:40Z (GMT). No. of bitstreams: 1 000064807.pdf: 6663815 bytes, checksum: d37f3b00a661f77feccfc5fa8bf397ee (MD5) Previous issue date: 1995 / O ambiente bancário brasileiro vem se mostrando, desde 1986, uma área atraente para estudos de estratégia empresarial, seja pela dinâmica que o setor assumiu diante das necessidades de uma economia fortemente globalizada, seja pelos impactos de tecnologias revolucionárias que vêm modificando rapidamente as fronteiras do negócio bancário. Este contexto foi tomado como referência para a comparação entre tecnoestrutura de bancos estatais e privados, tendo por base a percepção destes segmentos quanto à competitividade neste setor. São analisadas as diversas compreensões sobre o conceito de competitividade, de forma geral e especificamente na indústria bancária, e proposto um modelo referencial para sua utilização. / The brazilian banking environment has been, since 1986, an atractive field of studies of strategy beca use of the dynamic the sector assumed when facing the needs of a strongly globalized economy, and the impact that revolutionary technologies that are fastly changing the frontiers of banking business. This context was taken as reference in order to permit a comparison between technostruture of state-owned and private banks, considering the perception of those groups about the competitiveness in the sector. Several understandings about the concept of competitiveness are analyzed, as a whole or specific to the banking industry, and a reference model is proposed for its utilization.