O que é a taxa básica de juros?

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A taxa básica de juros, também conhecida como Taxa Selic, é a referência para todas as outras taxas de juros praticadas no país – seja de empréstimos, seja de financiamentos.

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Todo empréstimo que você ou uma empresa fizer com o banco, por exemplo, tem a taxa de juros influenciada pela Selic.

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Quem define a taxa básica de juros é o Copom, um órgão do Banco Central que foi criado com objetivo de traçar e acompanhar as políticas a respeito do dinheiro no país.

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No geral, a Selic colabora com o aquecimento ou desaquecimento da economia. Sua principal função é controlar a inflação, direcionando o “fluxo” de dinheiro da economia.

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Se pararmos para pensar, praticamente todos os investimentos no Brasil são afetados pela taxa selic. Porém, CDBs e títulos do tesouro direto são os que variam mais diretamente em relação à Selic.

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JÁ CONHECE NOSSA

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O que é a taxa básica de juros?