Competitividade do sistema de consórcio no mercado brasileiro de automóveis

Abstract

This article has as objective to analyze the competitiveness of the consortium system in sales of automobiles. A comparative analysis becomes between the forms of acquisition of automobiles for financing, consortium system and in cash. To evaluate the modality of payment in sales of vehicles, it is used given from the Central Banking. Sales of auto machine vehicles comes losing market for the financings, amongst them the CDC, FINAME, leasing. The increase of the stated period of the financing until 72 months, made the consumer search longer financing plans. With the fall of the taxes of interests following the reduction of the Selic tax, that left 18% ay in the end of the year of 2005 for 14,25% ay in September/06, followed by the facility in recent years for the acquisition of the automobile for financing, made its search increase. This financing facility made the insolvency of the financings of vehicles comes growing, reaching 3,48% in the month of September of 2006, index never reached since the year of 2000. In front of this competitiveness in the segment of automobiles, the Biggest Administrators had decided to diversify and are investing in the segment of property that is having an excellent growth.