Behavioral law & economics e mercado imobiliário: reflexões a partir do programa minha casa minha vida
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Data
2020
Tipo de documento
Dissertação
Título da Revista
ISSN da Revista
Título de Volume
Área do conhecimento
Ciências Sociais Aplicadas
Modalidade de acesso
Acesso aberto
Editora
Autores
Bomfim, Vitor Chaves
Orientador
Copetti Neto, Alfredo
Coorientador
Resumo
O presente trabalho versa sobre as interações da Behavioral Law & Economics com o
mercado imobiliário, verificando se houve influência de heurísticas e vieses nas escolhas adotadas pelos consumidores no âmbito nacional a partir do ano de 2007, quando deflagrou-se a crise econômica internacional decorrente do estouro da bolha
imobiliária norte-americana. Na investigação, leva-se em consideração os critérios de
regulação adotados no Brasil e nos Estados Unidos antes e depois das crises
econômicas suportadas por esses países a partir de 2007 e 2014, respectivamente.
Problematiza-se o conceito de Homem Econômico Racional que fundamenta a
tradicional Análise Econômica do Direito, estudando a construção teórica desse
modelo e comparando-o à concepção limitada de racionalidade proposta pela
Behavioral Law & Economics. Debruça-se sobre as políticas de influxo advindas do
Paternalismo Libertário e sua aplicação ao setor imobiliário. Conclui-se que fatores
comportamentais contribuiram às instaurações das crises internacional e nacional de
2007 e 2014, respectivamente, ambas iniciadas no mercado imobiliário. Conclui-se,
ainda, que o Brasil ainda não adota as políticas de influxo do Paternalismo Libertário, embora as principais economias encaminhem-se para a institucionalização dos nudges.
The present work deals with the interactions of Behavioral Law & Economics with the real estate market, checking if there was an influence of heuristics and biases in the choices adopted by consumers nationwide since 2007, when the international economic crisis arising from the US housing bubble burst. The investigation takes into account the regulatory criteria adopted in Brazil and the United States before and after the economic crises endured by these countries from 2007 and 2014, respectively. The concept of Rational Economic Man that underlies the traditional Law & Economics is questioned, studying the theoretical construction of this model and comparing it to the limited conception of rationality proposed by Behavioral Law & Economics. It focuses on the influx policies arising from Libertarian Paternalism and its application to the real estate sector. It is concluded that behavioral factors contributed to the instability of the international and national crises of 2007 and 2014, respectively, both started in the real estate market. It is concluded, still, that Brazil still does not adopt the policies of influx of Libertarian Paternalism, although the main economies are moving towards the institutionalization of nudges.
The present work deals with the interactions of Behavioral Law & Economics with the real estate market, checking if there was an influence of heuristics and biases in the choices adopted by consumers nationwide since 2007, when the international economic crisis arising from the US housing bubble burst. The investigation takes into account the regulatory criteria adopted in Brazil and the United States before and after the economic crises endured by these countries from 2007 and 2014, respectively. The concept of Rational Economic Man that underlies the traditional Law & Economics is questioned, studying the theoretical construction of this model and comparing it to the limited conception of rationality proposed by Behavioral Law & Economics. It focuses on the influx policies arising from Libertarian Paternalism and its application to the real estate sector. It is concluded that behavioral factors contributed to the instability of the international and national crises of 2007 and 2014, respectively, both started in the real estate market. It is concluded, still, that Brazil still does not adopt the policies of influx of Libertarian Paternalism, although the main economies are moving towards the institutionalization of nudges.
Palavras-chave
Análise econômica do direito, Behavioral law and economics, Homem econômico racional, Paternalismo libertário, Programa Minha Casa Minha Vida