La consignation, malgré ses origines romaines, est peu étudiée en doctrine. La construction de son domaine par sédimentation a conduit à un éclatement des hypothèses : la consignation peut poursuivre une finalité libératoire, conservatoire ou de sûreté.Il est pourtant possible de vérifier que la consignation présente un caractère unitaire. Elle peut être définie comme le mécanisme par lequel une chose, objet d’un droit potentiel, est remise entre les mains d’un tiers et affectée à la satisfaction de la personne qui sera finalement reconnue attributaire de l’objet. Cette figure originale répond à un état d’incertitude en organisant une situation d’attente.Mais la consignation ne se limite pas à cette procédure. Que l'on songe à la consignation obligatoirement versée par la partie civile, à celle dans la procédure de saisie-vente. Mais que l'on songe aussi à la vente avec consignation, ou au consignataire en matière maritime !Partant de ce constat d'une notion originale et éclatée, la thèse vise à déterminer précisément une définition de la consignation, par une étude globale de celle-ci, et par une comparaison avec d'autres notions connues du droit privé, tels le gage, le paiement, le séquestre, ou encore la fiducie. Cette comparaison faite, et la notion identifiée, l'élaboration d'un régime propre à la consignation n'en sera que plus aisée.Au-delà de l'intérêt théorique d'une telle construction, cette thèse a l'ambition d'apporter des solutions pratiques, afin d'apporter plus de sérénité dans l'utilisation de ce mécanisme. / The consignation, despite its Roman origins, remains largely under-studied by authors. The development of its field by way of sedimentation has led to a scattering of hypothesis. The consignation may serve a specific purpose : to discharge the debtor, to safeguard or to guarantee.However, it is possible to verify that the consignation presents a unitary nature. It can be defined as the mechanism by which a thing, object of a potential right, is entrusted to a third party and assigned to the satisfaction of the person who shall eventually be recognized as the beneficiary of such thing. This original figure, answers to a state of uncertainty with a situation of expectancy.

The present study aims to verify how outsourced (contracted) sale teams are managed by commercial banks which operate in credit on consignation competitive business in Ceara State, in order to assure a continuous, qualified and increasing business tide. First, were done teorethical approaches as âthirdâ and âfourthâ outsourcing, strategic administration, human capital management, financial market and credit on consignation negotiation. After bibliographical review, an exploratory and descriptive field research was done with commercial banks placed in Ceara which operate with lending on consignation product. Were administered four semi-structured quetionnaires to banks managers, banks correspondents, internal collaborators and collectors. After, collected iformations were tabulated and received qualitative and quantitative treatment, detecting that the outsourcing of selling activities by banks are motivated by margin, funding, decentralization of sale points and by operational simplicity, as well as was identified as a disadvantage of this outsourcing process the low managing and technical capacity of its correspondent (contracted).This operational simplicity setting, as well as low managing and technical capacity, roughly contribute towards the fragility of staff employee in third and fourth outsourcing sales team management techniques by contracted companies. We believe that the lack of human resources management practices within outsourcing work endangers strategic results of action of both companies involved on this process. / O presente trabalho objetiva verificar como as equipes de vendas terceirizadas (contratadas) sÃo geridas por bancos comerciais que operam no competitivo mercado de crÃdito consignado no Estado do Cearà para garantir um fluxo contÃnuo, qualificado e crescente de negÃcios. Primeiramente, foram feitas abordagens teÃricas tais como: terceirizaÃÃo; quarteirizaÃÃo; administraÃÃo estratÃgica; gestÃo do capital humano; mercado financeiro e o negÃcio crÃdito em consignaÃÃo. ApÃs a revisÃo bibliogrÃfica, realizou-se uma pesquisa exploratÃria, descritiva e de campo junto a bancos comerciais instalados no Cearà e operando com o produto emprÃstimo consignado, para a aplicaÃÃo de quatro questionÃrios semi-estruturados junto aos gestores dos bancos, correspondentes bancÃrios, colaboradores internos e angariadores. Em seguida, as informaÃÃes coletadas foram tabuladas e tratadas quantitativa e qualitativamente, constatando que a terceirizaÃÃo das atividades fins de vendas pelos bancos sÃo motivadas pela margem, funding, descentralizaÃÃo de pontos de vendas e pela simplicidade operacional, como tambÃm. Identificou-se como desvantagem desse processo de terceirizaÃÃo a baixa capacitaÃÃo gerencial e tÃcnica do correspondente (contratado). Esse cenÃrio de simplicidade operacional e baixa capacitaÃÃo gerencial e tÃcnica da gestÃo contribuem fortemente para a fragilidade das tÃcnicas da gestÃo de pessoal empregadas nas equipes de vendas terceirizadas e âquarteirizadasâ, pelas empresas contratadas. Acredita-se que a ausÃncia das prÃticas da gestÃo de recursos humanos no trabalho terceirizado compromete resultados estratÃgicos de atuaÃÃo das duas empresas envolvidas nesse processo.