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A discussao proposta centrou-se em analisar o credito consignado em termos de crescimento e estrutura e dos efeitos da flexibilizacao das regras de financiamento sobre a concessao dessa modalidade de credito, considerando os montantes contratados e os respectivos segmentos: setor publico, aposentados e pensionistas e setor privado. Os resultados evidenciaram que, apesar de crescente, o credito consignado tem apresentado volumes menores de concessao, inclusive com resultados negativos nos ultimos anos, a despeito da flexibilizacao das regras de contratacao; embora a estrutura tenha se mantido praticamente constante ao longo do periodo, a crise fiscal trouxe uma nova dinâmica a concessao do consignado e; as novas regras de concessao apresentaram melhores resultados para o segmento de aposentados e pensionistas, cujo crescimento apos a flexibilizacao das regras de contratacao foi o dobro daquele observado para o segmento do setor publico. Abstract The proposed discussion focused on analyzing payroll loans in terms of growth and structure and the effects of the flexibilization of financing rules on the granting of this type of credit, considering the amounts contracted and the respective segments: public sector, retirees and pensioners, and private sector. The analysis of the results showed that, in spite of increasing, payroll-deductible loans have presented lower concession volumes, even with reduction in recent years, despite the flexibility of contracting rules; although the structure remained practically constant throughout the period, the fiscal crisis brought a new momentum to the granting of payroll and; the new concession rules had positive effects for the segment of retirees and pensioners, whose growth after flexibilization of contracting rules was twice that observed for the public sector segment.    Key-words: payroll loans; financing conditions; Brazilian economy.

Crédito consignado: dinâmica e efeitos da flexibilização das condições de financiamento