Modelo operacional de uma instituição de crédito especializado

: o caso do BNP Paribas Factor

Abstract

Companies often resort to financing in the short term to cope with financing needs, particularly for the financing of working capital. This research presents the full range of financing the banking sector makes available to businesses, particularly SMEs. Is given particular focus on financing through factoring, and the whole process running until obtaining funding, complying with the modus operandi the financial institution examined in the research, BNP Paribas Factor. The factoring or financial cessation passes through the acquisition of (non-financial) claims resulting short-term sale of goods or the provision of services in domestic and foreign markets. All companies, can enjoy this type of financing. In the cash management process, factoring is a financing instrument very relevant and important. Presents several advantages for acceding in solving cash flow problems, namely: (i) risk reduction in export and international operations; and (ii) improving financial ratios autonomy through non-recourse factoring. Thus, this paper discusses the various types of factoring, describes the process of lending via factoring, studies the importance of factoring in the Portuguese economy, in particular to support the SME cash and points out the critical success factors of such operations.

Date of Award	23 Jul 2014
Original language	Portuguese
Awarding Institution	Universidade Católica Portuguesa
Supervisor	João Pinto (Supervisor)