巴西拥有拉丁美洲最大的金融体系。The Banco Central do Brasil authorises banks, payment institutions, brokers, foreign exchange firms and, since February 2026, virtual asset service providers.证券委员会负责监督证券市场。巴西以其即时支付系统Pix和庞大的金融技术部门而闻名。
风险标志标准
FATF未列出
欧盟 AML 高风险名单未列出
欧盟税务清单未列出
许可证制度6
货币巴西雷亚尔
S&P评级BB级
下一次选举25 October 2026
Brazil is not on the FATF grey or black lists after the 17 to 19 June 2026 plenary.No October 2026 plenary outcome had been published at the check date.It is not on the EU high-risk third country list (Delegated Regulation (EU) 2016/1675 as last amended by Delegated Regulations (EU) 2026/46 and 2026/83, in force 29 January 2026).It is in neither Annex I nor Annex II of the EU tax list revised by Council conclusions of 9 October 2026.Checked 13 October 2026.
General (presidential first round, Congress, governors and state assemblies), 4 October 2026
下一次选举
总统第二轮选举, 25 十月 2026。第一轮投票中,弗拉维奥·博尔索纳罗(Flávio Bolsonaro ) ( 巴西)获得了47.03%的选票,而路易斯·伊纳西奥·卢拉·达席尔瓦(Luiz Inácio Lula da Silva ) ( 巴西)则获得了45.16%的选票。Lula remains head of state and government until the inauguration on 1 January 2027.
立法
国会：两院制，众议院(513席位)和联邦参议院(81席位)。In the October 2026 election PL won the most seats in both chambers (121 deputies;19 of 54 Senate seats contested).
法律制度
民法
经济和金融
人口
213.4m (2025)
国内生产总值
2.3吨美元(2025年)
人均国内生产总值
10,683美元(2025年)
货币
巴西雷亚尔 (BRL ) , 有通货膨胀目标的浮动汇率
中央银行
巴西中央银行
信用评级
S&P BB (stable) · Moody's Ba1 (stable) · Fitch BB (stable) (as of June 2026)
拉丁美洲最大的经济体,以商品、农业企业、石油和大型国内市场为基础,银行系统由巴西中央银行监管。
银行
商业银行或多家银行的授权
最低资本美元11.2百万
时间轴未发布
权威巴西中央银行
Since November 2025 minimum capital depends on the activities a firm carries out, not on its type.巴西中央银行对银行规定了56百万到96百万巴西雷亚尔的范围。该公式有一个成本部分：每个活动类别2百万巴西雷亚尔，加上技术密集型服务的5百万巴西雷亚尔(最多为10百万巴西雷亚尔)。它有一个活动部分：每个类别的1百万巴西雷亚尔(服务)、3百万巴西雷亚尔(保管)、5百万巴西雷亚尔(中介)或7百万巴西雷亚尔(信贷)，加上投资类别的5百万巴西雷亚尔或8百万巴西雷亚尔。在企业接受存款的地方,活动部分乘以200 % 。在其名称中使用'banco'一词的公司增加30百万巴西雷亚尔(Resolução Conjunta nº 14/2025, arts.8 to 11).
法律
Lei nº 4.595/1964; Resolução CMN nº 4.970/2021 (authorisation processes), arts. 1 to 3; Resolução Conjunta nº 14/2025 and Resolução BCB nº 517/2025 (minimum capital)
Activity-based minimum capital under Resolução Conjunta nº 14/2025.Resolução BCB nº 517/2025 places intermediaries and brokers in the intermediation category and custodians and brokers in the custody category.巴西中央银行规定，经纪人和保管人的金额范围为8百万至37.2百万巴西雷亚尔。
法律
Lei nº 14.478/2022, arts. 2, 5 and 9; Decreto nº 11.563/2023; Resolução BCB nº 519/2025 (authorisation); Resolução BCB nº 520/2025 (constitution and operation, as amended by Resolução BCB nº 589/2026), arts. 4 and 88; Resolução BCB nº 521/2025 (foreign exchange)
Firms active on 2 February 2026 had to apply within 270 days, by 30 October 2026, or stop within 30 days after that deadline (Resolução BCB nº 520/2025, art.88)
From 6 November 2026, authorised institutions may not deal with unauthorised virtual asset providers (art.91，经BCB第589/2026号决议修正)
Minimum capital: Resolução Conjunta nº 14 of 3 November 2025 replaced fixed amounts per institution type with an activity-based formula.它立即适用于新的申请。Institutions already operating keep their old minimum until 30 June 2026 and then phase in the difference (25% to 31 December 2026, 50% to 30 June 2027, 75% to 31 December 2027, 100% from 2028).按照许可证显示的资本范围是巴西中央银行自身按机构组别列出的范围；公司的确切数字取决于其活动、投资类别和资金来源。无论是BCB还是CMN都没有规定授权的法定决策期限，因此时间表都是无效的。开启的规则中没有找到申请费,因此费用为无效。Virtual assets: Resolução BCB nº 520/2025 entered into force on 2 February 2026.Resolução BCB nº 589 of 23 September 2026 将禁止与未经授权的供应商交易的规定推迟到 6 November 2026。Resolução BCB nº 521/2025 将一些虚拟资产操作,包括某些稳定币交易,纳入外汇规则。作为证券的代币仍在CVM之下。Sociedades de crédito direto(信贷金融技术公司)也由巴西中央银行根据 Resolução CMN nº 4.970/2021 授权;信贷公司的BCB范围为百万巴西雷亚尔9.8至百万巴西雷亚尔60。固定赔率投注: Medida Provisória nº 1.394 of 25 September 2026禁止在巴西进行固定赔率投注和在线游戏,并在公布后终止联邦授权 30 天,因此没有赌博执照列出。临时措施必须由国会转化为法律才能继续有效；其最终状态未经核实。在证监会注册的投资顾问和投资组合经理不在此通行证范围内。
