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O Desenvolvimento da Banca Mutualista – Economia social e efeitos regulatórios. O Caso do Crédito Agrícola em Portugal
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Abstract(s)
É genericamente consensual que a Caixa de Crédito Agrícola Mútuo (CCAM) é a única instituição financeira com base cooperativa em Portugal. Contando com mais de cem anos de existência, a CCAM é considerada uma entidade dinamizadora das economias locais e distingue-se pela proximidade e envolvimento com as comunidades onde opera.
Este estudo tem como principal objetivo procurar compreender o desenvolvimento futuro deste tipo de instituição a nível nacional. Deste modo, procurar-se-á, primeiramente, entender de que modo estas instituições se adaptaram às alterações de índole regulatória, não obnubilando a sua identidade enquanto parte da banca mutualista e as inerentes políticas de economia a si subjacentes.
De modo a alcançar os seus objetivos, este projeto seguiu uma metodologia concreta que assentou, primeiramente, na realização de um questionário devidamente remetido a todos os Conselhos de Administração e Coordenadores Comerciais do Sistema Integrado do Crédito Agrícola Mútuo (SICAM). Assim, o questionário foi enviado a setenta e seis agências e contemplou um universo máximo de cerca de cento e cinquenta e nove respostas provenientes de coordenadores comerciais e de administradores. Seguidamente, procurou-se a realização de testes não paramétricos que permitissem aduzir a existência de dependência entre as respostas no concernente à zona geográfica e à dimensão das instituições visadas.
A pertinência deste estudo assenta na necessidade de melhor compreender a importância conferida a medidas de utilidade social, à figura do sócio e, identicamente, à tipologia da banca mutualista e aos efeitos provenientes de alterações regulatórias e da proposta de anteprojeto de revisão do Regime Jurídico da Crédito Agrícola Mútuo (RJCAM), contribuindo assim para uma visão mais ampla e holística destes fenómenos
It is now usually accepted that Caixa de Crédito Agrícola Mútuo (CCAM) is the only Portuguese financial institution with a cooperative basis. With more than hundred years, this is currently considered as na institution that attempts to dynamize the local economies and to promote a close bond with the communities it serves. This study aims to understand the future development of this sort of institution in Portugal. Accordingly, this project will begin by considering how this type of organizations adapted itself to regulatory adjustments, always bearing in mind its identity as part of the mutualistic banking and its inherent economic policies. Hence, this project obeyed a specific methodology that first contemplated a questionnaire sent to all SICAM’s Administrative Boards and Commercial Coordinators. Henceforward, this questionnaire was sent to seventy-six agencies, envisioning a maximum of seven hundred and sixty-nine responses. Subsequently, this investigation attempted to establish correlations that might help to envisage the existence of links between answers concerning the dimension of the agencies and its geography. The relevance of such study is highlighted by the necessity of better understanding the importance given to measures of social utility, to the role of the associates and to the typology of the mutualista banking and the effects of the regulatory measures and of the proposal of RJCAM’s preliminary revision. By doing so, this study aspires at providing a new and broader overview of such phenomenon
It is now usually accepted that Caixa de Crédito Agrícola Mútuo (CCAM) is the only Portuguese financial institution with a cooperative basis. With more than hundred years, this is currently considered as na institution that attempts to dynamize the local economies and to promote a close bond with the communities it serves. This study aims to understand the future development of this sort of institution in Portugal. Accordingly, this project will begin by considering how this type of organizations adapted itself to regulatory adjustments, always bearing in mind its identity as part of the mutualistic banking and its inherent economic policies. Hence, this project obeyed a specific methodology that first contemplated a questionnaire sent to all SICAM’s Administrative Boards and Commercial Coordinators. Henceforward, this questionnaire was sent to seventy-six agencies, envisioning a maximum of seven hundred and sixty-nine responses. Subsequently, this investigation attempted to establish correlations that might help to envisage the existence of links between answers concerning the dimension of the agencies and its geography. The relevance of such study is highlighted by the necessity of better understanding the importance given to measures of social utility, to the role of the associates and to the typology of the mutualista banking and the effects of the regulatory measures and of the proposal of RJCAM’s preliminary revision. By doing so, this study aspires at providing a new and broader overview of such phenomenon
Description
Keywords
Banca Mutualista Cooperativismo Crédito Agrícola Economia Social Cooperative Management Mutualist Banking Social Economy