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Blog do Coach - Culto ao cheque especial.
Brasília,
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19 d maio d 2019

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11

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Culto ao cheque especial.


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11 de setembro, 2013 | Autor: Gustavo Cerbasi | Tópicos: Comportamento
Tags: , ,


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Por mais que a economia tenha se estabilizado e viabilizado o planejamento de longo prazo, ainda é forte entre os brasileiros a propensão ao uso do cheque especial para custear compromissos assumidos.

Com mais de 65% da população recorrendo todos os meses a essa cara modalidade de crédito, mesmo contando com outras linhas mais baratas, é surpreendente que não se perceba o equívoco.

Porém, em uma análise mais ampla do uso do dinheiro, considerando a economia como um todo e não apenas as famílias, percebemos que o apetite pelo crédito de má qualidade é fortemente enraizado em nossa cultura.

Nas empresas de micro, pequeno e médio porte, é comum a prática de usar recursos em caixa ou de aportar capital para a compra de equipamentos ou para a reforma de instalações. Isso é insensatez quando se constata a disponibilidade de linhas de crédito de baixo custo especificamente concebidas para financiar a compra de máquinas e reformas.

Os empresários evitam os financiamentos baratos e depois recorrem a empréstimos caros, como os limites de conta garantida e linhas específicas para custear seu capital de giro. Seria mais sensato planejar o crescimento, usar o dinheiro barato dos bancos e, na necessidade de capital de giro, contar com recursos próprios. Mas, a incompetência em prestar informações para atender ao que se chama de burocracia e a conveniência dos empréstimos facilmente conduz os empresários ao cheque especial.

Falta, neste caso, uma maior disseminação da educação empreendedora, incluindo o aprendizado sobre as finanças dos negócios.

O governo também dá seu mau exemplo. Em países desenvolvidos, governos arrecadam para investir no crescimento da sociedade. Nos EUA e Canadá, é conhecido o conceito de “new community”, em que municípios e estados/províncias usam o caixa disponível para instalar toda a infraestrutura necessária em locais que futuramente se tornarão um bairro. Usam incentivos fiscais para convidar grandes lojas ou shoppings a se instalarem antes mesmo dos moradores. A infraestrutura bem planejada facilmente convence novos moradores a se mudarem para esses locais, trazendo novos impostos que remunerarão o Estado pelo investimento feito.

Por aqui, a falta de planejamento leva o Estado a agir somente quando os problemas são insustentáveis. Remendar desigualdades, problemas de saneamento e caos no transporte sai bem mais caro do que investir na prevenção deste tipo de problema. Mas, é uma marca de nossa cultura.

A situação se mostra mais grave quando percebemos que, para corrigir este equívoco e entrar em um ciclo de crescimento planejado, temos dois sacrifícios a fazer: 1) investir pesadamente tempo e dinheiro para eliminar as desigualdades mais graves, e 2) colher os resultados de uma sociedade mais eficiente para então poder investir de maneira preventiva. Sabendo que a primeira etapa ainda está longe de ser alcançada, o cenário para o crescimento da economia brasileira não pode ser classificado como positivo. O mau exemplo de uso do cheque especial deve continuar vindo de cima.


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