This article presents a methodology for integration of ambient factors in the evaluation of risk of credit in projects of investment submitted the commercial Banks of Development or. The analysis of risk in the concession of credit involves teams to multidiscipline, counting, generally, with the participation of engineers, lawyers, ambientalistas and financistas, demanding this vision in this work. The present work searched to integrate the traditionally carried through financial evaluation with the ambient dimension. As, in the considered model, this dimension is only applied to go down the evaluation of the project in the punctuation scale, the Bank can apply a tax of interests more raised case the company and the project is not in accordance with the demanded norms. Therefore, this model can be considered a mechanism of inhibition of predatory attitudes to the environment, since the impact of the interests highest is direct in the finances of the company. The diffusion of this methodology, from a side, moves away the Bank of the participation through the financing, of projects with potential of ambient liabilities. Of another one, it stimulates the companies to spend the money who would pay of higher interests (for being penalizadas for the negative ambient aspects) with the mitigação of the ambient risks associates its productive activities. In the future, a social dimension can be developed in set with ambient and the financier, of form to create an evaluation tripod.
This new dimension also could stimulate new enterprises with positive impact in the social area. Depending on each in case that the financial institutions could associate different weights for each one of these components, providing flexibility, in order to make one trade-off between these three important aspects. This text is divided basically in four stages: first, the introductory one, it discourses on the importance of this type of integrated evaluation. After that, they are boarded questions on the methodology of classification of credit risk, also known as rating, and some models are presented. In the third stage, the elements are evaluated that must be considered in the scope of ambient dimension e, are presented, effectively, the considered model, being displayed the relative questions to the development of a model of classification of risk that englobe dimensions ambient economic-financiers and. They lock up this text conclusions and recommendations on advantages, disadvantages, difficulties and possibilities of a credit system multi-criterion.