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Taxa Selic: O que é, para que serve?

por: Portal Renda

Foto: Canva

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A Selic é a taxa básica de juros do Brasil, usada como referência para operações financeiras, estabelecida pelo Banco Central.

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Ela regula a economia ajustando a inflação e a liquidez; alta Selic controla a inflação, enquanto baixa Selic estimula o crescimento econômico.

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A meta é a taxa alvo definida pelo Copom, enquanto a efetiva é a taxa praticada no mercado. Ambas influenciam o sistema financeiro de maneiras diferentes.

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Foto: Canva

Selic alta torna o crédito mais caro e reduzido, enquanto Selic baixa facilita o acesso ao crédito, afetando decisões financeiras de consumidores e empresas.

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Taxas de Selic altas desestimulam o consumo e incentivam a poupança; taxas baixas promovem o gasto e a aquisição de bens financiados.

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Foto: Canva

Selic alta beneficia investimentos em renda fixa; Selic baixa faz com que investidores busquem alternativas mais arriscadas para maiores retornos.

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O Copom decide a Selic em reuniões regulares, ajustando-a com base na inflação e nas condições econômicas para garantir estabilidade financeira.

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