COMISSÃO DE DESENVOLVIMENTO ECONÔMICO

. Good morning. Good morning, deputy president of the committee, good morning to the other deputies, to the colleagues here at the table and to the others present. I just start talking I'm calling a little attention because we are on CDE, the Comissão de Desenvolvimento Econômico, Indústria, Comércio e Serviços. I think it's interesting to make this point because we're talking about financial assets, It's registered, it seems a little bit abstract, but above all we are talking about the real economy. So when we talk about open assets, all these names, innovators and so on, In the end, we want to guarantee in the way possible, a credit card cheaper to the industry, to the commerce, to the services and to the other sectors. the economy hell. So, with this, I think it's important also to be salient the role of the Ministry of the Affairs, specifically the Secretariat of Reforms Económicas, that has been in the last few years very strongly in the promotion of the competition in different markets. And this is important when I say, for example, from some of the agenda, like the issue of vouchers of food, which I think is also very important, the importance of the government's importance to open this market. I'm going to say what we've been discussing with the Banco Central about the PIX in guarantee. that nothing is more than the possibility, especially small and medium loggers, to give their future agenda of PIX in guarantee of operating credit. We talked a lot about the antecipação of recebíveis. here, but many of these small employees receive almost exclusively by PIX. the end of the day is instantaneously, it falls on the hour There is no intermediation. So, there's a possibility of giving this agenda the Pix that we call directly in guaranteeing operations of credit. There is still the credit of the worker. I think the private consignation was created what was known as the biggest market place of credit in Brazil. Every select person today enters the CTPS digital, can simulate entering the leilong and try to obtain an offer of operation of credit, if this was the case, until we celebrate this offer. So not at all, we have today a volume much greater of operations of credit in Brazil, private consignation, because of that. basically to employees of large companies Today, it's much more destined to employees, small and medium companies. So I'm going to do this brief introduction here. Just to say that I think OpenAssets is, in fact, a I think I'm... I'm a little happy at the same time, but I'm still happy at the same time, I'm happy because I think everyone already said basically what had to be said, and I'm still happy at the same time because I'm not able to innovate much, but I think I need to reinforce this point of that it is, yes, a Evolutive Agenda. I think it's a way. for us to continue. and why? The Philip, for example, mentioned that was prevailed in the legislation a possibility that any person who has a title of capitalization, can guarantee this title of capitalization in a credit operation. regardless of where he has the title of capitalization or previdence. It's concorrência, or I'm in an institution A, but I want to obtain credit in an institution B, I want to give it in guarantee. Open asset is basically this, elevado. a much greater power. or I have a title I have a financial financial financial, registered, deposited, written digital, in terms more directs, that I want to give, and he was eventually emited by the bank A or by the corretor A, or the intermediary by the corretor A, But I want to give them an operation in the institution B. And why is this important? It is important because it communicates directly with what the other colleagues put here. Redução spread. has an agenda articulated by the Secretariat of Relações Institucionais, with the Secretariat of Reforms Económicas of the Fazenda, which is the GT do SPRED, And then, for example, the publication of the manual of the duplication of the scriptural, at the end of the year, in the Council, Why? Because at the end of the day, There is a diagnosis of a long time ago about the high level of spread bancario in Brazil. We need to, in some way, try to reduce it. One of the main ways to reduce the spread is to give a guarantee to the operation. Or, if the bank has a guarantee, he will offer a tax rate of tax more low. And then the importance of, so, to talk of OpenAssets, together with the agenda Do GT de Spread. And then, when we comment here, the colleagues commented: "Desde the bank trap in the cart, that you were limited to a certain institution, All the evolution that was made in cartons machines, in anticipation, in operations of credit, duplication, we talked about the decentralized model. All this will converge somehow to get to open assets at the end E I, having a certain asset in the bank A, can offer in guarantee in the bank B, C, D, in any way that it is, increasing the concorrent and reducing the tax of juros. It's basically what we're working on. And why the role of the legislative legislation is important here, deputado? Because in many cases, there is a need to adjust to certain types of normative, based on what exists for every asset finance. of a law about duplication of scriptural duplication? Because the previous duplication was the duplication of the Cártula. the In the end, the role exercised by the duplicata was the bullet. The person anticipated there was a certain institution. was necessary to be added to a law. In many cases, it may be necessary, yes, the actualization of some credit credit, or some financial assets in general. Why? Because we depend on the normative alteration to guarantee a wide circulation and a wide escriture of these activities, so that the operational to be exercised he can guarantee is a possibility of amplification of the concourse. And then just to finish In the end of the day, we are also talking about the possibility of porting the credit. So this is directly communicated with the agenda of the credit card of Open Finance. And finally, as mentioned here on the table, is a PL 2926 de 2023, already approved here in the Câmara of Deputats. who made a lot of money with the central bank and the large part of the market for this, but who care of approval in the federal Senate. This PL is also important to create a legislation about the infrastructure of finance and, with this, we can advance even more on the Open Assets agenda. Thank you. Bye. Thank you.