Submitted by Sara Ribeiro (sara.ribeiro@ucb.br) on 2018-03-22T16:32:16Z No. of bitstreams: 1 AlexandreCardosoFernandesDissertacao2018.pdf: 2016006 bytes, checksum: 7fd24bcd2aa3b4e878f606c4ac524571 (MD5) / Approved for entry into archive by Sara Ribeiro (sara.ribeiro@ucb.br) on 2018-03-22T16:32:41Z (GMT) No. of bitstreams: 1 AlexandreCardosoFernandesDissertacao2018.pdf: 2016006 bytes, checksum: 7fd24bcd2aa3b4e878f606c4ac524571 (MD5) / Made available in DSpace on 2018-03-22T16:32:41Z (GMT). No. of bitstreams: 1 AlexandreCardosoFernandesDissertacao2018.pdf: 2016006 bytes, checksum: 7fd24bcd2aa3b4e878f606c4ac524571 (MD5) Previous issue date: 2018-02-26 / The main objective of this study is to analyze the effects of macroprudential policies, adopted by Brazil after the 2008 crisis, on the granting of credit to finance vehicles for individuals. The changes in the compulsory liabilities on time deposits and demand deposits, changes in the capital requirement and changes in the Tax on Financial Transactions (IOF) and Industrialized Products Tax (IPI) rates will be studied. In the empirical part, a multiple regression will be estimated to identify the main determinants of vehicle credit for individuals in Brazil. A review will be made of the literature on the trajectory of banking regulation from Basel I to Basel III, as well as the Micro and Macroprudential regulation. / O objetivo central do trabalho, ?? analisar os efeitos das pol??ticas macroprudenciais, adotadas pelo Brasil ap??s a crise de 2008, sobre a concess??o de cr??dito para financiamento de ve??culos para pessoas f??sicas. Ser??o estudadas as altera????es nas exigibilidades de compuls??rio sobre dep??sitos a prazo e ?? vista, mudan??a na exig??ncia de capital e altera????es nas al??quotas do Imposto sobre Opera????es Financeiras (IOF) e Imposto sobre Produtos Industrializados (IPI). Na parte emp??rica, ser?? estimada uma regress??o m??ltipla para identificar os principais determinantes da concess??o de cr??dito ve??culo para pessoas f??sicas no Brasil. Ser?? feita uma revis??o da literatura sobre trajet??ria da regula????o banc??ria de Basileia I a Basileia III, bem como da regula????o Micro e Macroprudencial.