78% dos brasileiros acreditam que será mais fácil obter crédito com o Cadastro Positivo, revela Serasa Experian


Segundo pesquisa inédita da Serasa Experian, 83% dos brasileiros já ouviram falar ou conhecem o Cadastro Positivo, que passou a vigorar no Brasil no dia 9 de julho de 2019, no modelo de inclusão automática de consumidores. A pesquisa, que passa a considerar apenas as respostas daqueles que afirmaram já ter ouvido falar do novo modelo, revela ainda que mais da metade (56%) dos participantes está confortável em saber que suas informações serão incluídas de forma automática no banco de dados de empresas de proteção ao crédito. Outro dado relevante aponta que 66% dos entrevistados acreditam que haverá taxas de juros e condições de pagamentos diferentes para os bons pagadores e, nesta amostra, 72% esperam ver melhorias já nos próximos seis meses.

“Estes resultados mostram que os consumidores têm consciência da importância do Cadastro Positivo e dos ganhos que ele deve trazer ao mercado brasileiro de crédito”, diz a diretora de Operações de Dados da Serasa Experian, Leila Martins.

Baseado em uma metodologia mais abrangente e inclusiva para concessão de crédito, o Cadastro Positivo considera a análise de todo o histórico de endividamento e de que modo a pessoa honra seus compromissos assumidos com bancos e comércio e pagam suas contas de consumo (luz, água, telefone, gás). O objetivo do Cadastro Positivo é valorizar aspectos como o hábito do consumidor de pagar em dia suas contas e não se concentrar somente nas dívidas não pagas.

A pesquisa apontou ainda que 78% das pessoas acham que empréstimos e financiamentos se tornarão mais acessíveis com a entrada do Cadastro Positivo. Dentro deste percentual, 51% dos entrevistados afirmam que as solicitações de crédito junto aos bancos serão mais fáceis. Na sequência estão as financeiras (35%) e lojas físicas e online de diferentes áreas: carros e motos (24,2%), eletrodomésticos (15,5%), roupas (13,3%), eletrônicos (13,3%) e materiais de construção (9,1%).

Outro recente estudo da Serasa Experian mostrou que o Cadastro Positivo poderá beneficiar cerca de 137 milhões de brasileiros, 88,5% da população adulta. Fazem parte deste total os 22,6 milhões de cidadãos (14,6% da população adulta) que atualmente estão fora do mercado de crédito e que seriam incluídos por já apresentarem um histórico de adimplência. O levantamento revela ainda potencial redução de juros para 74% das pessoas acima de 18 anos que hoje possuem acesso ao crédito.

Metodologia

A pesquisa da Serasa Experian entrevistou 2.017 consumidores de todo o Brasil em junho de 2019. A metodologia aplicou um questionário a um público de diferentes faixas etárias e renda, nas regiões Sudeste, Nordeste, Sul e Centro-Oeste/Norte.

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    คำศัพท์ ข้อตกลงต่างๆชี้แจงให้เข้าใจง่ายๆได้ดังนี้ ศัพท์โดยประมาณที่ใช่ในเกมที่ท่านควรรู้เป็นเบสิกในการเล่นเป็นPlayer
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    แต้ม ท่านจำต้องรอฝั่งตรงข้ามเป็นฝั่งเจ้ามือ (banker) ว่าได้แต้มเท่าไร ถ้าฝั่งเจ้ามือได้ 8-9 แต้มก็จะจบเกมโดยทันที เพราะว่าเป็นแต้มที่สูงที่สุดของไพ่แล้ว แล้วก็อีกอย่างที่ท่านจำเป็นต้องรู้เกี่ยวกับกติกาก็คือกรรมวิธีการนับคะแนน หรือการออกแต้มของไพ่ ซึ่งหากไพ่ออกมาเป็น
    A = 1แต้ม , หากได้ไพ่ J Q K 10 = 0 แต้ม , ถ้าออกไพ่มา 2-9 = 2-9
    แต้ม ถ้าหากได้ไพ่มาก็สามารถนับแต้มได้ตามไพ่ได้เลยกรรมวิธีการเลือกพนัน พวกเราสามารถเลือกลงเดิมพันได้หลายต้นแบบ ดังต่อไปนี้-ฝั่งผู้เล่น หากเราเลือกลงทุนฝั่งเจ้ามือ (player) แล้วแต้มออกมาสูงกว่าอีกฝั่งท่านจะชนะ โดยมีอัตราผลตอบแทนคือ 1
    : 1 ถ้าเกิดพวกเราเลือกลงทุนฝั่งเจ้ามือ (banker) แล้วไพ่ออกมาแต้มสูงหรือมากกว่าอีกฝั่งจะมีอัตราผลตอบแทนเป็น 1 :
    0.95 -การเลือกลงทุนแบบเสมอหรือTIEนั้น ถ้าไพ่ส่งผลออกมาเท่ากันระหว่างผู้เล่น(player) กับเจ้ามือ(banker) อย่างเช่น 4-4 5-5 8-8 2-2 เพียงแค่ไพ่ออกแต้มมาเท่ากัน
    ท่านก็จะสำเร็จตอบแทนมากกว่าการลงพนันแบบปกติถึง 8
    เท่า -การลงพนันอีกแบบนึงคือ การเลือกพนันแบบโบนัส(Bonus) เป็นการลงพนันโดยจะต้องลุ้นให้ไพ่ที่ออกมานั้นห่างกันมากยิ่งกว่า
    4 แต้ม อาทิเช่น ถ้าเกิดท่านเลือกลงพนันฝั่งเจ้ามือ(banker) ไพ่ฝั่งผู้เล่นออกแต้มมา 2 แต้ม ไพ่ฝั่งเจ้ามือต้องออกแต้มมากยิ่งกว่าหรือพอๆกับ
    6 แต้มแค่นั้น จึงจะชนะและจากนั้นก็ได้รับโบนัสโดยทันที และหากท่านเลือกลงเดิมพันฝั่งใดฝั่งนึงแล้วได้ไพ่มากยิ่งกว่าอีกฝั่ง 8 แต้มขึ้นไปท่านจะเห็นผลตอบแทนไปเลย
    30 เท่า -และการลงเดิมพันแบบอย่างท้ายที่สุด
    เป็นการลงเดิมพันแบบไพ่คู่ แม้ท่านเลือกลงไพ่คู่ฝั่งเจ้ามือ (banker pair) ไพ่2ใบแรกจำเป็นต้องออกมาเป็นเลขที่แบบเดียวกันอีกทั้ง2ใบ เช่น 1-1 2-2 เหมือนกันหากว่าท่านเลือกลงเดิมพันไพ่คู่ฝั่งผู้เล่น (player pair) ถ้าหากไพ่ 2 ใบแรกออกมาแต้มเช่นเดียวกันท่านก็จะได้รับผลตอบแทนมากกว่าปกติไปเลย 11 เท่าสำหรับแบบเกมก็จะมีลักษณะแบบที่กล่าวไปข้างต้นวนๆไปอย่างนี้ตลอดทั้งเกม
    และก็ผลตอบแทนจะแตกต่างออกไปในแต่ละโต๊ะ ท่านสามารถเลือกลงเดิมพันตามความชำนาญได้ตามอยากได้ และก็สามารถเปลี่ยนแปลงแนวทางการลงเดิมพันตามกลอุบายของแต่คนเพื่อเพิ่มโอกาสในการทำกำไรได้เลย

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    На любое событие идет четкая работа аналитического отдела. специалисты оценивают шансы на победу игрока и определяют размер котировки.
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    Для стимулирования спроса разработчики стараются разработать уникальные бонусные программы, с самыми щедрыми условиями по рынку.

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    Выбор ставок.
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    Коэффициенты.
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    Live-сервис.
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    Выбор ставок.
    главными характеристиками данного списка является, ассортимент предлагаемых букмекером http://03shw.com/home.php?mod=space&uid=744&do=profile&from=space маркеров для пари на тоталы и форы в футбольных матчах, а также росписьна иные голевые виды спорта. Топовыми БК по России по количеству маркетов считаются Фонбет и 1xstavka.

    Коэффициенты.
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    Live-сервис.
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    Данный показатель формирует рейтинг лицензионным БК относительно скорости денежных переводов и обработки негативных обращений от клиентов компании. любой игрок нуждается в уверенности что он получит свой выигрыш, если проводил игру честно.
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  385. Игорное заведение, в котором каждый желающий делает ставки на различные спортивные события, называется букмекерская контора (БК).

    На любое событие организована предворительная подготовка аналитического отдела. специалисты оценивают шансы на победу игрока и формируют коэффициенты.
    Игрок побеждает в том случае, если ставка оказалось удачным. общий банк, умножается на коэффициент.
    Так высчитывается итоговая прибыль. Когда Пари не проходит, все деньги отправляется в контора.

    На данный момент на территории Российской Федерации работают легально несколько букмекерских контор.
    существует два формата их работы. Онлайн площадки в online поле и наземные филлиалы (ППС).
    Контакты работающих ППС можно найти на интернет-ресурсе выбранной конторы, либо в профильных группах, описывающих Обзоры на БК.
    Для снятия и пополнение баланса в пунктах наземного ППС работают только наличные.
    Выигрышные средства выплачиваются через кассу.

    Поскольку люди в 21 веке предпочитает online развлечения, основным спросом является площадки контор в интернете.
    Для большей оперативности, помимо интернет ресурсов, некоторые БК принимают ваши пари в адаптивных мобильных программах.
    Для привлечения и удержания клиентов создатели БК стараются сделать особенными свои предложения, с самыми щедрыми условиями по рынку.

    Как подобрать БК

    Любой игрок основывается на свои определенные критерии для выбора БК или поиска беттингового сайта.
    Следует внимательно ознакомиться с характеристиками сайта перед началом работы.
    Основными критериями для выбора считают актуальную программу лояльности, легальность работы букмекера и котировки и комиссию самого БК.

    Вот несколько распространённых характеристик для игроков, подобранных нашим обозревательным сайтом:

    Выбор ставок.
    главными характеристиками доматчевой и лайв линии считается количество составленных конторов