Beginning with the new financial and organizational role of the city of São Paulo, we tried to understand the interferences of the upper circuit on the lower circuit. Both circuits differ by their degrees of capital, technology and organization. There is an extraordinary offer of de-burocratized credit, given by banking and other financial institutions, appliances, clothes and construction materials chains, franchises and outlets. The complex financial organization of the upper circuit, supported by the current advertising and technical systems, it allows the social and territorial expansion of their markets, avoiding idle capacities and invading the markets traditionally belonging to the lower circuit. New subordination connections are created, and the most concentrated areas of the metropolis become necessary locations for those big companies. Consumption and poverty increase simultaneously. Although this is a national phenomenon, its density, in São Paulo, is unquestionable, with the largest concentration of establishments and money.
circuits of urban economy; financial institutions; credit offers in the city; credit offers to the poor; São Paulo