Submitted by Sara Ribeiro (sara.ribeiro@ucb.br) on 2017-06-09T12:51:12Z No. of bitstreams: 1 FelipedeOliveiraCavalcantiDissertacao2017.pdf: 3832715 bytes, checksum: 481f9dfa874426d1046d828b68c129ce (MD5) / Approved for entry into archive by Sara Ribeiro (sara.ribeiro@ucb.br) on 2017-06-09T12:51:35Z (GMT) No. of bitstreams: 1 FelipedeOliveiraCavalcantiDissertacao2017.pdf: 3832715 bytes, checksum: 481f9dfa874426d1046d828b68c129ce (MD5) / Made available in DSpace on 2017-06-09T12:51:35Z (GMT). No. of bitstreams: 1 FelipedeOliveiraCavalcantiDissertacao2017.pdf: 3832715 bytes, checksum: 481f9dfa874426d1046d828b68c129ce (MD5) Previous issue date: 2017-03-15 / Bank spread can be considered an indicator of the efficiency of an economy's financial system. High spreads can harm the investment and consumption capacity of businesses and households, and, consequently, the economic growth. Using a dynamic panel, with data from 73 commercial banks operating in Brazil, in the period between the second quarter of 2009 and the second quarter of 2016 (29 quarters), this dissertation sought to identify the factors that explain the high spread practiced by Brazilian banks, focusing in particular on the possible impacts from the implementation of the Basel III Accord that is in progress. As results, were detected a positive and significant relationships of the spread with the following variables: administrative and operating expenses, taxation, net profits of banks, compulsory deposits and unemployment. A significant and negative relation with the SELIC rate and inflation were detected too. In addition, it was found that the new level 1 capital and principal capital requirements related to the implementation of the Basel III Accord in Brazil had a positive impact on the spread. / O spread banc??rio pode ser considerado um indicador da efici??ncia do sistema financeiro de uma economia. Spreads elevados podem comprometer a capacidade de investimento e de consumo de empresas e fam??lias, e, consequentemente, o crescimento econ??mico. Utilizando um painel din??mico, com dados de 73 bancos comerciais em opera????o no Brasil, no per??odo compreendido entre o segundo trimestre de 2009 e o segundo trimestre de 2016 (29 trimestres), a presente disserta????o procurou identificar os fatores que explicam o elevado spread praticado pelos bancos brasileiros, focando, em especial, nos poss??veis impactos provenientes da implementa????o do Acordo de Basileia III que est?? em andamento. Como resultados foram detectadas rela????es positivas e significantes do spread com as seguintes vari??veis: despesas administrativas e operacionais, tributa????o, lucro l??quido dos bancos, dep??sitos compuls??rios e desemprego, al??m de uma rela????o significante e negativa com a taxa SELIC e a infla????o. Al??m disso, verificou-se que as novas exig??ncias de capital de n??vel 1 e capital principal, relacionadas com a implementa????o do Acordo de Basileia III no Brasil, impactaram de forma positiva o spread.

Made available in DSpace on 2014-12-17T14:08:45Z (GMT). No. of bitstreams: 1 JosenbergMRJ_DISSERT.pdf: 2284397 bytes, checksum: c092576edbe85963b6421309a6cb5e55 (MD5) Previous issue date: 2011-01-25 / This work presents the results of a survey in oil-producing region of the Macau City, northern coast of Rio Grande do Norte. All work was performed under the Project for Monitoring Environmental Change and the Influence of Hydrodynamic forcing on Morphology Beach Grass Fields, Serra Potiguar in Macau, with the support of the Laboratory of Geoprocessing, linked to PRH22 - Training Program in Geology Geophysics and Information Technology Oil and Gas - Department of Geology/CCET/UFRN and the Post-Graduation in Science and Engineering Oil/PPGCEP/UFRN. Within the economic-ecological context, this paper assesses the importance of mangrove ecosystem in the region of Macau and its surroundings as well as in the following investigative exploration of potential areas for projects involving reforestation and / or Environmental Restoration. At first it was confirmed the ecological potential of mangrove forests, with primary functions: (i) protection and stabilization of the shoreline, (ii) nursery of marine life, and (iii) source of organic matter to aquatic ecosystems, (iv) refuge of species, among others. In the second phase, using Landsat imagery and techniques of Digital Image Processing (DIP), I came across about 18,000 acres of land that can be worked on environmental projects, being inserted in the rules signed the Kyoto Protocol to the market carbon. The results also revealed a total area of 14,723.75 hectares of activity of shrimp production and salting that can be harnessed for the social, economic and environmental potential of the region, considering that over 60% of this area, ie, 8,800 acres, may be used in the planting of the genus Avicennia considered by the literature that the species best sequesters atmospheric carbon, reaching a mean value of 59.79 tons / ha of mangrove / A presente Disserta??o de Mestrado apresenta os resultados da pesquisa realizada de mar?o de 2008 a julho de 2009 na regi?o produtora de Petr?leo do munic?pio de Macau, litoral setentrional do Estado do Rio Grande do Norte. Todo trabalho foi realizado no ?mbito do Projeto Cooperativo de Monitoramento das Mudan?as Ambientais e da Influ?ncia das For?antes Hidrodin?micas na Morfologia Praial nos Campos de Serra- Macau na Bacia Potiguar, com apoio do Laborat?rio de Geoprocessamento, vinculado ao PRH22 Programa de Forma??o em Geologia, Geof?sica e Inform?tica no Setor de Petr?leo e G?s Departamento de Geologia/CCET/UFRN e ao Programa de P?s- Gradua??o em Ci?ncia e Engenharia de Petr?leo (PPGCEP) UFRN. Dentro do contexto econ?mico-ecol?gico, este trabalho avalia a import?ncia do ecossistema manguezal na regi?o de Macau e adjac?ncias, bem como segue investigativo na prospec??o de ?reas com potencial para projetos que envolvam Reflorestamento e/ou Restaura??o Ambiental. No primeiro momento foi confirmado o potencial ecol?gico das florestas de manguezais, com fun??es primordiais como: (i) prote??o e estabiliza??o da linha de costa; (ii) ber??rio da vida marinha; (iii) fonte de mat?ria org?nica para os ecossistemas aqu?ticos; (iv) ref?gio de esp?cies; entre outras. Na segunda fase, utilizando imagens de sat?lite LandSAT e t?cnicas de Processamento Digital de Imagem (PDI), foi poss?vel encontrar aproximadamente 18.000 hectares de terras que podem ser trabalhadas em projetos ambientais, sendo inseridas nas normas firmadas no do Protocolo de Kioto para o mercado de carbono. Os resultados encontrados revelaram ainda uma ?rea total de 14.723,75 hectares de atividade de carcinicultura e produ??o salineira que podem ser aproveitadas para o desenvolvimento social, econ?mico e ambiental da regi?o, tendo em vista que mais de 60% dessa ?rea, ou seja, 8.800 hectares, podem ser aproveitados no plantio do g?nero Avicennia, considerada pela literatura a esp?cie que melhor seq?estra carbono atmosf?rico, atingindo valor m?dio de 59,79 toneladas/hectare de mangueza

Made available in DSpace on 2015-12-03T18:33:10Z (GMT). No. of bitstreams: 1 Leandro_Araujo.pdf: 2644348 bytes, checksum: deb630f7c75e53425ea8d96bb840a31f (MD5) Previous issue date: 2014-09-01 / The scarcity and high cost of long term financing, especially in developing countries, are limiting factors of a greater investment and economic growth. In Brazil, the majority of long-term loans are granted by BNDES. The main objective of this study is to empirically investigate the possible influence of BNDES loans on firm performance. Through analytical data for the period 2008-2012, provided by the BNDES and a large Financial Institution, I estimate models using two methods: pooled ordinary least squares and fixed effects. Firm performance was measured using financial ratios that capture productivity, efficiency and profitability. The results indicated that the funding did not improve the performance of recipient firms in the year following the loan / The scarcity and high cost of long term financing, especially in developing countries, are limiting factors of a greater investment and economic growth. In Brazil, the majority of long-term loans are granted by BNDES. The main objective of this study is to empirically investigate the possible influence of BNDES loans on firm performance. Through analytical data for the period 2008-2012, provided by the BNDES and a large Financial Institution, I estimate models using two methods: pooled ordinary least squares and fixed effects. Firm performance was measured using financial ratios that capture productivity, efficiency and profitability. The results indicated that the funding did not improve the performance of recipient firms in the year following the loan