Desse modo, temos o credito decomposto em duas partes: uma que e sensivel aos juros reais e outro que nao e (a constante). Abaixo, pegamos as series que vamos utilizar para estimar (1) e tratamos as mesmas. A amostra que utilizaremos vai de janeiro de 2003 a abril de 2017. onde . Nesses termos, se estimamos o modelo dado por. Estimando o modelo para a amostra total.
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