Remessas internacionais e pagamentos transfronteiriços: desafios, riscos e proposições sob a ótica legislativa
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TCC
Date
2021-06
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Authors
Soares, Rodrigo Xavier
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Souza, Eduardo Stevanato Pereira de
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Abstract
O estudo versa sobre o ambiente regulatório brasileiro do mercado de câmbio atual em comparação com o arcabouço legislativo da Europa e dos Estados Unidos da América. Tem como objeto de estudo específico a legislação regulatória em torno dos modelos de negócio de remessas internacionais (remittance) e pagamentos transfronteiriços (pagamentos cross-border), trazendo para o cenário brasileiro tendências, riscos e desafios que o país enfrentará para regular tais modelos de negócio digitais que possuem relação com o exterior. Por fim, apresenta uma propositura legislativa de adequação da legislação atual a fim de modernizar, desburocratizar e regular novos modelos de negócios insurgentes nesse setor com o intuito de tornar o ambiente de negócios brasileiro mais competitivo e preparado para relações comerciais internacionais.
The study analyses the current Brazilian exchange market regulatory environment compared with the European and American environments. It has as an object of analysis the regulation regarding remittance and cross-border payments businesses models. It brings to light as well insights about the risks, challenges, and trends that Brazil will face to regulate these new fintechs whose core business is related to transactions with foreign countries. At the end, the study proposes modifications in a future bill that will be capable to modernize, de-bureaucratize and regulate these new insurgent business models that will transform the Brazilian business environment more competitive and prepared to foreign commercial relationships.
The study analyses the current Brazilian exchange market regulatory environment compared with the European and American environments. It has as an object of analysis the regulation regarding remittance and cross-border payments businesses models. It brings to light as well insights about the risks, challenges, and trends that Brazil will face to regulate these new fintechs whose core business is related to transactions with foreign countries. At the end, the study proposes modifications in a future bill that will be capable to modernize, de-bureaucratize and regulate these new insurgent business models that will transform the Brazilian business environment more competitive and prepared to foreign commercial relationships.
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Keywords
remessas internacionais , pagamentos transfronteiriços , ambiente regulatório brasileiro , mercado de câmbio , remittance , cross-border payments , brazilian regulatory environment , exchange market