Aviso n.º 7/2000, de 06 de Novembro de 2000
Aviso do Banco de Portugal n.º 7/2000 Na redacção actual do aviso n.º 3/95, diploma que regula, do ponto de vista prudencial, a constituição de provisões pelas instituições de crédito e pelas sociedades financeiras, o provisionamento a 100% dos créditos vencidos que gozem de garantia (pessoal ou real) apenas se torna obrigatório depois de decorridos três anos sobre a data do respectivo vencimento ou da data em que tenha sido formalmente apresentada ao devedor a exigência de liquidação da dívida.
Ora, nos casos em que a garantia em presença não seja real, o referido prazo é patentemente excessivo.
Há, assim, que modificar a situação em apreço encurtando o referido prazo para os créditos vencidos relativamente aos quais a instituição credora disponha apenas de garantia pessoal.
Nestes termos, o Banco de Portugal, no uso da competência que lhe é conferida pela alínea e) do artigo 99.º do Regime Geral das Instituições de Crédito e Sociedades Financeiras, estabelece o seguinte: 1.º O aviso n.º 3/95, publicado no Diário da República, 2.' série, de 30 de Junho de 1995, é alterado do seguinte modo: '1 - O n.º 4 do n.º 3.º passa a ter a seguinte redacção: '4 - Sem prejuízo do disposto no n.º 5-A deste número e no n.º 2 do n.º 5.º, as provisões para crédito vencido devem representar pelo menos as seguintes percentagens dos respectivos créditos...
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