Investor Presentaiton
Annual Report
AR
2022
SUMMARY
WHO WE
ARE
OUR
STRENGTH
AND
OUR
RESOURCES
OUR
RESULTS
Agenda BC#
Data sharing of rural credit operations
New rules allow data sharing of rural credit operations
according to the guidelines of Open Finance. The goals are
to provide rural producers with more funding sources, to
improve availability of financial services and products, and
to reduce information asymmetry in this segment.
Since May 2022, rural credit borrowers may share data on
their operations with any person, company, or financial
institution. For this purpose, the BCB developed and
implemented the System of Consultation and Access
Authorization to Rural Credit Operations (CACR).
Authentication is made by means of a gold or silver profile
at the gov.br internet dominium.
Data sharing is directly operationalized in the BCB
system for registering rural credit operations. Data
access is granted to third parties only by the borrower.
Such information may also be used by rating or audit
agencies, certifiers, and other entities of similar purpose,
a circumstance that may also contribute to broadening
the credit supply to rural producers.
These new rules are expected to increase transparency
as well as the level of financial leverage in rural credit
operations, especially for potential lenders that are not
financial institutions. This may help to mitigate over-
indebtedness and contribute to lowering the cost of credit
to rural producers.
Goals
•More funding sources for rural
producers.
•Improvement of available products
and financial services.
• Less information asymmetry in the
segment.
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