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Manual de adequação do critério de Mora de acordo com Resolução 4.558/2017

Produto:

Sistema Credimaster

Versões:

Não se aplica

Ocorrência:

O Banco Central do Brasil, no dia 23 de Fevereiro de 2017, publicou a Resolução 4.558, que regulamenta a cobrança de encargos por parte das instituições financeiras e das sociedades de arrendamento mercantil nas situações de atraso de pagamentos de obrigações por clientes, entrando em vigor a partir de 1º de Setembro de 2017.

A partir dessa data a instituição poderá cobrar de seus clientes apenas a taxa de juros remuneratórios igual à taxa pactuada no contrato para o período de adimplência da respectiva operação de crédito.

Com o objetivo de adequarmos o sistema a Resolução acima, estamos disponibilizando script que deverá ser executado no banco Credimaster de produção, após término do fechamento diário do dia 31/08/2017, assim como procedimento que deverá ser realizado para adequação das configurações de Mora.

Ambiente:

Produção

Passo a passo:

Pré-requisito indispensável:

  1. Realizar o fechamento do dia 31/08/2017, utilizando o Sistema Credimaster;

  2. Executar o script enviado para fixação das configurações de mora/permanência sobre as operações emitidas com data igual ou inferior à 31/08/2017. O script deverá ser executado de acordo com o Banco de Dados utilizado por cada cliente:

create table t402titu_prm

as
select t.cd_emp,
t.cd_und,
t.cd_cli,
t.nr_ctr,
t.nr_adl,
t.sg_mod,
t.nr_nos_nr,
e.sg_ecg,
e.id_crt_ope,
e.id_fma_a30,
e.id_dd_a30,
e.tx_prm_a30,
e.sg_mon_a30,
e.sg_mon_m30,
e.id_fma_m30,
e.id_dd_m30,
e.tx_prm_m30,
e.tx_spr_ope,
e.id_fma_spr,
e.id_bas_spr,
e.pc_mlt,
e.qt_dd_mlt,
e.id_clc_mlt
from t402titu t, t402cofi c, t402entx e
where t.cd_und = c.cd_und
and t.cd_cli = c.cd_cli
and c.sg_ecg = e.sg_ecg
and c.sg_ecg is not null
and t.sg_lin_ope not in ('COB', 'CAU', 'VIN')
and t.id_sit_lqd in ('PA', 'PP')
and t.id_crt_prm = 'C'
and t.dt_ems <= to_date('31-08-2017', 'dd-mm-yyyy')
and e.dt_ini_vld =
(select max(dt_ini_vld) from t402entx c1 where e.sg_ecg = c1.sg_ecg)
union
select t.cd_emp,
t.cd_und,
t.cd_cli,
t.nr_ctr,
t.nr_adl,
t.sg_mod,
t.nr_nos_nr,
e.sg_ecg,
e.id_crt_ope,
e.id_fma_a30,
e.id_dd_a30,
e.tx_prm_a30,
e.sg_mon_a30,
e.sg_mon_m30,
e.id_fma_m30,
e.id_dd_m30,
e.tx_prm_m30,
e.tx_spr_ope,
e.id_fma_spr,
e.id_bas_spr,
e.pc_mlt,
e.qt_dd_mlt,
e.id_clc_mlt
from t402titu t, t402moda m, t402entx e
where t.sg_mod = m.sg_mod
and e.sg_ecg = m.sg_ecg
and m.sg_ecg is not null
and t.sg_lin_ope not in ('COB', 'CAU', 'VIN')
and t.id_sit_lqd in ('PA', 'PP')
and t.id_crt_prm = 'C'
and t.dt_ems <= to_date('31-08-2017', 'dd-mm-yyyy')
and e.dt_ini_vld =
(select max(dt_ini_vld) from t402entx c1 where e.sg_ecg = c1.sg_ecg)
and not exists (select 1
from t402cofi cofi
where cofi.cd_und = t.cd_und and
cofi.cd_cli = t.cd_cli and
cofi.sg_ecg is not null );

ALTER TABLE t402titu_prm
ADD CONSTRAINT t402titu_prm PRIMARY KEY (cd_emp,cd_und, cd_cli, sg_mod, nr_ctr, nr_adl, nr_nos_nr );

update t402titu a
set id_crt_prm = 'T',
id_crt_ope =
(select b.id_crt_ope
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_dd_a30 =
(select b.id_dd_a30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
tx_prm_a30 =
(select b.tx_prm_a30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
sg_id_a30 =
(select b.sg_mon_a30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_fma_a30 =
(select b.id_fma_a30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_dd_m30 =
(select b.id_dd_m30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
tx_prm_m30 =
(select b.tx_prm_m30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
sg_id_m30 =
(select b.sg_mon_m30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_fma_m30 =
(select b.id_fma_m30
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
vr_tx_spr =
(select b.tx_spr_ope
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_fma_spr =
(select b.id_fma_spr
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_bas_spr =
(select b.id_bas_spr
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
pc_mlt =
(select b.pc_mlt
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
qt_dd_mlt =
(select b.qt_dd_mlt
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr
and a.pc_mlt is not null),
id_clc_mlt =
(select b.id_clc_mlt
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
id_crt_mlt = 'T'
where a.id_sit_lqd in ('PA', 'PP')
and a.id_crt_prm = 'C'
and exists (select 1
from t402titu_prm c
where a.cd_emp = c.cd_emp
and a.cd_und = c.cd_und
and a.cd_cli = c.cd_cli
and a.sg_mod = c.sg_mod
and a.nr_ctr = c.nr_ctr
and a.nr_adl = c.nr_adl
and a.nr_nos_nr = c.nr_nos_nr);
commit;


update t402tiab a
set id_crt_prm = 'T',
id_crt_mlt = 'T',
pc_mlt =
(select b.pc_mlt
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr),
qt_dd_mlt =
(select b.qt_dd_mlt
from t402titu_prm b
where a.cd_emp = b.cd_emp
and a.cd_und = b.cd_und
and a.cd_cli = b.cd_cli
and a.sg_mod = b.sg_mod
and a.nr_ctr = b.nr_ctr
and a.nr_adl = b.nr_adl
and a.nr_nos_nr = b.nr_nos_nr)
where exists (select 1
from t402titu_prm c
where a.cd_emp = c.cd_emp
and a.cd_und = c.cd_und
and a.cd_cli = c.cd_cli
and a.sg_mod = c.sg_mod
and a.nr_ctr = c.nr_ctr
and a.nr_adl = c.nr_adl
and a.nr_nos_nr = c.nr_nos_nr);

commit;

/************************************************************************************/

create table t402entx_res4558
as
select * from t402entx;


/*Create table temporária*/
CREATE TABLE t402titu_prm (
  cd_emp                 int                   not null,
  cd_und                 int                   not null,
  cd_cli                 int                   not null,
  nr_ctr                 numeric(10)           not null,
  nr_adl                 int                   not null,
  sg_mod                 char(8)               not null,
  nr_nos_nr              numeric(12)           not null,
  sg_ecg                 char(10)              not null,
  id_crt_ope             char(1)               null    ,
  id_fma_a30             char(1)               null    ,
  id_dd_a30              char(1)               null    ,
  tx_prm_a30             numeric(14,7)         null    ,
  sg_mon_a30             char(10)              null    ,
  sg_mon_m30             char(10)              null    ,
  id_fma_m30             char(1)               null    ,
  id_dd_m30              char(1)               null    ,
  tx_prm_m30             numeric(14,7)         null    ,
  tx_spr_ope             numeric(14,7)         null    ,
  id_fma_spr         char(1)           null    ,
  id_bas_spr         char(1)           null    ,
  pc_mlt                 numeric(5,2)          null    ,
  qt_dd_mlt              int                   null    ,
  id_clc_mlt             char(1)               null  )
GO
/*Insere dados na temporário*/
INSERT INTO t402titu_prm
  select t.cd_emp,
       t.cd_und,
       t.cd_cli,
       t.nr_ctr,
       t.nr_adl,
       t.sg_mod,
       t.nr_nos_nr,           
       e.sg_ecg,
       e.id_crt_ope,
       e.id_fma_a30,
       e.id_dd_a30,
       e.tx_prm_a30,
       e.sg_mon_a30,
       e.sg_mon_m30,
       e.id_fma_m30,
       e.id_dd_m30,
       e.tx_prm_m30,
       e.tx_spr_ope,
       e.id_fma_spr,
       e.id_bas_spr,
       e.pc_mlt,
       e.qt_dd_mlt,
       e.id_clc_mlt
  from t402titu t, t402cofi c, t402entx e
 where t.cd_und = c.cd_und
   and t.cd_cli = c.cd_cli
   and c.sg_ecg = e.sg_ecg
   and c.sg_ecg is not null
   and t.sg_lin_ope  not in ('COB', 'CAU', 'VIN')
   and t.id_sit_lqd in ('PA', 'PP')
   and t.id_crt_prm = 'C'
   and t.dt_ems <= '20170831'
   and e.dt_ini_vld =
       (select max(dt_ini_vld) from t402entx c1 where e.sg_ecg = c1.sg_ecg)
union
select t.cd_emp,
       t.cd_und,
       t.cd_cli,
       t.nr_ctr,
       t.nr_adl,
       t.sg_mod,
       t.nr_nos_nr,
       e.sg_ecg,
       e.id_crt_ope,
       e.id_fma_a30,
       e.id_dd_a30,
       e.tx_prm_a30,
       e.sg_mon_a30,
       e.sg_mon_m30,
       e.id_fma_m30,
       e.id_dd_m30,
       e.tx_prm_m30,
       e.tx_spr_ope,
       e.id_fma_spr,
       e.id_bas_spr,
       e.pc_mlt,
       e.qt_dd_mlt,
       e.id_clc_mlt
  from t402titu t, t402moda m, t402entx e
 where t.sg_mod = m.sg_mod
   and e.sg_ecg = m.sg_ecg
   and m.sg_ecg is not null
   and t.sg_lin_ope  not in ('COB', 'CAU', 'VIN')
   and t.id_sit_lqd in ('PA', 'PP')
   and t.id_crt_prm = 'C'
   and t.dt_ems <= '20170831'
   and e.dt_ini_vld =
       (select max(dt_ini_vld) from t402entx c1 where e.sg_ecg = c1.sg_ecg)
   and not exists (select 1
                   from t402cofi cofi
                   where cofi.cd_und = t.cd_und and
                         cofi.cd_cli = t.cd_cli and
                         cofi.sg_ecg is not null )
/*Ajusta registro nos títulos */
update t402titu
   set id_crt_prm = 'T',
       id_crt_ope =
       (select b.id_crt_ope
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_dd_a30 =
       (select b.id_dd_a30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       tx_prm_a30 =
       (select b.tx_prm_a30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       sg_id_a30 =
       (select b.sg_mon_a30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_fma_a30 =
       (select b.id_fma_a30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_dd_m30 =
       (select b.id_dd_m30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       tx_prm_m30 =
       (select b.tx_prm_m30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       sg_id_m30 =
       (select b.sg_mon_m30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_fma_m30 =
       (select b.id_fma_m30
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       vr_tx_spr =
       (select b.tx_spr_ope
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_fma_spr =
       (select b.id_fma_spr
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_bas_spr =
       (select b.id_bas_spr
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       pc_mlt    =
       (select b.pc_mlt
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       qt_dd_mlt =
       (select b.qt_dd_mlt
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_clc_mlt =
       (select b.id_clc_mlt
          from t402titu_prm b
         where t402titu.cd_emp = b.cd_emp
           and t402titu.cd_und = b.cd_und
           and t402titu.cd_cli = b.cd_cli
           and t402titu.sg_mod = b.sg_mod
           and t402titu.nr_ctr = b.nr_ctr
           and t402titu.nr_adl = b.nr_adl
           and t402titu.nr_nos_nr = b.nr_nos_nr),
       id_crt_mlt = 'T'
 where t402titu.id_sit_lqd in ('PA', 'PP')
   and t402titu.id_crt_prm = 'C'
   and exists (select 1
          from t402titu_prm c
         where t402titu.cd_emp = c.cd_emp
           and t402titu.cd_und = c.cd_und
           and t402titu.cd_cli = c.cd_cli
           and t402titu.sg_mod = c.sg_mod
           and t402titu.nr_ctr = c.nr_ctr
           and t402titu.nr_adl = c.nr_adl
           and t402titu.nr_nos_nr = c.nr_nos_nr)
             
update t402tiab
   set id_crt_prm = 'T',
       id_crt_mlt = 'T',
       pc_mlt  =
   (select b.pc_mlt
          from t402titu_prm b
         where t402tiab.cd_emp = b.cd_emp
           and t402tiab.cd_und = b.cd_und
           and t402tiab.cd_cli = b.cd_cli
           and t402tiab.sg_mod = b.sg_mod
           and t402tiab.nr_ctr = b.nr_ctr
           and t402tiab.nr_adl = b.nr_adl
           and t402tiab.nr_nos_nr = b.nr_nos_nr),
         qt_dd_mlt =
   (select b.qt_dd_mlt
          from t402titu_prm b
         where t402tiab.cd_emp = b.cd_emp
           and t402tiab.cd_und = b.cd_und
           and t402tiab.cd_cli = b.cd_cli
           and t402tiab.sg_mod = b.sg_mod
           and t402tiab.nr_ctr = b.nr_ctr
           and t402tiab.nr_adl = b.nr_adl
           and t402tiab.nr_nos_nr = b.nr_nos_nr)
 where exists (select 1
          from t402titu_prm c
         where t402tiab.cd_emp = c.cd_emp
           and t402tiab.cd_und = c.cd_und
           and t402tiab.cd_cli = c.cd_cli
           and t402tiab.sg_mod = c.sg_mod
           and t402tiab.nr_ctr = c.nr_ctr
           and t402tiab.nr_adl = c.nr_adl
           and t402tiab.nr_nos_nr = c.nr_nos_nr);
                  
             
/************************************************************************************/
select * into t402entx_res4558 from t402entx

Configuração do Critério de Mora:

  1. Acesse o sistema Credimaster, utilizando usuário com privilégios suficientes para execução das alterações nas configurações de Mora:
  2. Defina a abrangência desejada.
  3. Acesse a barra de ferramentas Documentos, selecionando a opção Operacionais ou, se preferir, clique sobre o botão   localizado no canto direito da tela inicial do sistema Credimaster.
  4. Clique sobre a aba Mora.
  5. Localize o critério de mora desejado.
  6. Clique sobre o botão alterar.
  7. Altere a forma de cobrança dos encargos de mora “Até 30 dias” e “Mais de 30 dias”, conforme figura abaixo.

8. Clique sobre o botão Salvar.

Caso a configuração de mora, apresente opção de Spread contendo a variável Segundo Critério, o usuário deverá alterá-la para variável Critério Único, redefinindo a Taxa Spread conforme as políticas da instituição de Crédito.

Observações: