{"id":372,"date":"2022-01-12T17:32:18","date_gmt":"2022-01-12T17:32:18","guid":{"rendered":"https:\/\/conectou.com.br\/producao\/?page_id=372"},"modified":"2022-05-30T13:50:50","modified_gmt":"2022-05-30T16:50:50","slug":"sistema-de-informacoes-de-creditos","status":"publish","type":"page","link":"https:\/\/coopercredunilever.com.br\/home\/sistema-de-informacoes-de-creditos\/","title":{"rendered":"Sistema de informa\u00e7\u00f5es de cr\u00e9ditos"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"372\" class=\"elementor elementor-372\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-665d386 elementor-section-height-min-height elementor-section-items-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"665d386\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f2ebc34\" data-id=\"f2ebc34\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfca230 elementor-widget elementor-widget-heading\" data-id=\"dfca230\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sistema de informa\u00e7\u00f5es de cr\u00e9ditos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8114e68 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8114e68\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3e7af7\" data-id=\"c3e7af7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f255fd6 elementor-widget elementor-widget-text-editor\" data-id=\"f255fd6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\"><b>O que \u00e9 SCR?<\/b><\/p><p class=\"p1\">O Sistema de Informa\u00e7\u00f5es de Cr\u00e9ditos do Banco Central do Brasil, segundo a resolu\u00e7\u00e3o n\u00ba 4571 de 26 de mar\u00e7o de 2017, \u00e9 um banco de dados sobre opera\u00e7\u00f5es e t\u00edtulos com caracter\u00edsticas de cr\u00e9dito e respectivas garantias, contratados por pessoas f\u00edsicas e jur\u00eddicas perante institui\u00e7\u00f5es financeiras no pa\u00eds.<\/p><p class=\"p1\"><b>Para que servem os dados do SCR?<\/b><\/p><p class=\"p1\">As informa\u00e7\u00f5es coletadas servem para que os clientes do Sistema Financeiro Nacional possam acompanhar as informa\u00e7\u00f5es a respeito de suas opera\u00e7\u00f5es de cr\u00e9dito perante as institui\u00e7\u00f5es financeiras.<\/p><p class=\"p1\">Al\u00e9m disso, para que o Banco Central do Brasil tenha informa\u00e7\u00f5es precisas e sistem\u00e1ticas sobre as opera\u00e7\u00f5es de cr\u00e9dito contratadas pelas institui\u00e7\u00f5es financeiras, subsidiando-o na tarefa de proteger os recursos depositados pelos cidad\u00e3os nas institui\u00e7\u00f5es financeiras.<\/p><p class=\"p1\">O sistema auxilia as institui\u00e7\u00f5es financeiras a auxiliarem a capacidade de pagamento dos clientes, para que possam oferecer melhores condi\u00e7\u00f5es nas opera\u00e7\u00f5es com menor risco de cr\u00e9dito.<\/p><p class=\"p1\"><b>Quem \u00e9 respons\u00e1vel pelos dados inseridos no SCR?<\/b><\/p><p class=\"p1\">A responsabilidade pelos dados dos clientes \u00e9 das institui\u00e7\u00f5es com as quais eles contrataram as opera\u00e7\u00f5es de cr\u00e9dito.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p><p class=\"p1\">S\u00e3o elas as respons\u00e1veis por todas as inclus\u00f5es, corre\u00e7\u00f5es, exclus\u00f5es, marca\u00e7\u00f5es sub judice e registros de medidas judiciais e de manifesta\u00e7\u00f5es de discord\u00e2ncia sobre os dados.<\/p><p class=\"p1\"><b>Quem pode acessar as informa\u00e7\u00f5es constantes do SCR?<\/b><\/p><p class=\"p1\">O acesso ao SCR pode ser feito pelas institui\u00e7\u00f5es financeiras participantes do sistema, pelos tomadores de empr\u00e9stimos, financiamentos e \u00e1reas especializadas do Banco Central.<\/p><p class=\"p1\">Para as institui\u00e7\u00f5es financeiras \u00e9 necess\u00e1ria a autoriza\u00e7\u00e3o expressa dos clientes. O descumprimento deste requisito sujeitar\u00e1 os implicados \u00e0s penalidades previstas na Lei.<\/p><p class=\"p1\">As pessoas jur\u00eddicas e f\u00edsicas podem se cadastrar no Banco Central para acessarem, gratuitamente, por meio da Internet, seus dados porventura cadastrados no SCR.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Sistema de informa\u00e7\u00f5es de cr\u00e9ditos O que \u00e9 SCR? O Sistema de Informa\u00e7\u00f5es de Cr\u00e9ditos do Banco Central do Brasil, segundo a resolu\u00e7\u00e3o n\u00ba 4571 de 26 de mar\u00e7o de 2017, \u00e9 um banco de dados sobre opera\u00e7\u00f5es e t\u00edtulos com caracter\u00edsticas de cr\u00e9dito e respectivas garantias, contratados por pessoas f\u00edsicas e jur\u00eddicas perante institui\u00e7\u00f5es [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-372","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/pages\/372","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/comments?post=372"}],"version-history":[{"count":16,"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/pages\/372\/revisions"}],"predecessor-version":[{"id":2180,"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/pages\/372\/revisions\/2180"}],"wp:attachment":[{"href":"https:\/\/coopercredunilever.com.br\/home\/wp-json\/wp\/v2\/media?parent=372"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}