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Authors
Advisor(s)
Abstract(s)
Integrado num contexto no qual as mutações económicas sociais e tecnológicas
assumem cada vez mais um papel preponderante, o sector bancário começou a partir de
meados da década de 70 a registar profundas modificações face à concorrência e à
saturação dos mercados.
A globalização da economia, a desintermediação, a desregulamentação, a privatização e
a introdução de novas tecnologias vêm aumentar fortemente a competitividade no sector
e obrigam a Banca a mudar a sua estratégia para conseguir redução de custos, oferta de
produtos e serviços inovadores, sendo consequentemente compelida a renegar as
tradicionais competências e qualificações desenvolvidas no seu seio.
O facto de ter de alargar amplamente a rede de distribuição - agências - ao implementar a
vertente comercial, provocou profundas alterações na antiga identidade profissional do
sector, então de carácter eminentemente administrativo, resultante de um quadro
económico, institucional e regulamentar fechado e previsível, originando uma nova
identidade profissional com competências distintas da anterior. Mas, a segmentação da
clientela requer sobretudo, tendo em vista o aumento da eficiéncia/eficácia, uma
formação específica baseada em novos saberes.
De acordo com a perspectiva de alguns autores, entre os quais releva David Courpasson,
estas mudanças conduzem a uma leitura de duas identidades bancárias distintas. Este
autor sistematiza o meio-ambiente associado a cada uma destas identidades.
Pretende este trabalho, partindo do facto de que o sector bancário e as suas organizações
estão sujeitas às mudanças do espaço social global, identificar de que modo é que as
alterações que se observam quer nos mercados quer nas organizações, induzem ao
aparecimento de uma nova identidade profissional.
Assim, aspectos como a estrutura funcional, níveis de formação, alargamento e
segmentação de mercados, sistemas de informação e novas tecnologias e novas funções
são dimensões equacionadas na redefinição da identidade.
The banking system starts facing by the middle of the 70's deep changes due to competition and overcapacity. This situation was influenced by the instrumental changes on technology and social behaviour. The banks were forced to reroute their strategy to achieve cost reduction to offer new products under innovating services. This changes are the result of the sk orld economic globalization, deregulation, privatization and the introduction of the nev. technologies. By this way the traditional abilities and qualifications were turn down. The traditional professional identity of this sector, afier being mainly clerical for long time on a regulamented environment, have been deeply changed, as shown on the commercial atitude derived from the branch network development, which originated a new professional identity, completly different from the previous one. The market segmentation requires a labor force trainned in specific aspects related to customer needs. Actualy these chances are showing now two different banking identities, according to some author's writings. David Courpasson addresses this matter to the environment connected with each identity. Regarding that the banking system and their organizations are under modification of the social global environment, this study aims to identify how the market and organization changes induce a new professional identity. This identity has to be reequated, bearing in mind the changes in the company structures, leveis of expenise, mar ket segmentation and differentiation as well as information systems and new technologies.
The banking system starts facing by the middle of the 70's deep changes due to competition and overcapacity. This situation was influenced by the instrumental changes on technology and social behaviour. The banks were forced to reroute their strategy to achieve cost reduction to offer new products under innovating services. This changes are the result of the sk orld economic globalization, deregulation, privatization and the introduction of the nev. technologies. By this way the traditional abilities and qualifications were turn down. The traditional professional identity of this sector, afier being mainly clerical for long time on a regulamented environment, have been deeply changed, as shown on the commercial atitude derived from the branch network development, which originated a new professional identity, completly different from the previous one. The market segmentation requires a labor force trainned in specific aspects related to customer needs. Actualy these chances are showing now two different banking identities, according to some author's writings. David Courpasson addresses this matter to the environment connected with each identity. Regarding that the banking system and their organizations are under modification of the social global environment, this study aims to identify how the market and organization changes induce a new professional identity. This identity has to be reequated, bearing in mind the changes in the company structures, leveis of expenise, mar ket segmentation and differentiation as well as information systems and new technologies.
Description
Mestrado em Sistemas Sócio-Organizacionais da Actividade Económica
Keywords
Identidade Profissional Profissão Banca Mudança Organizacional e Novas Tecnologias Organização do Trabalho Qualificação Professional Labor Markets and Ocupations Banks Other Depository Institutions Mortgages Technical Change Choice and Consequences Human Capital Formation Occupational Choice Labor productivity.
Pedagogical Context
Citation
Pereira, Maria Helena Marcacha (1998). “As novas qualificações no sector bancário”. Dissertação de Mestrado. Universidade Técnica de Lisboa. Instituto Superior de Economia e Gestão
Publisher
Instituto Superior de Economia e Gestão