{"id":3322,"date":"2018-05-21T09:25:08","date_gmt":"2018-05-21T09:25:08","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/como-contribuira-la-calificacion-crediticia-a-mantener-abierto-el-grifo-de-la-financiacion-bancaria\/"},"modified":"2025-01-06T18:28:51","modified_gmt":"2025-01-06T18:28:51","slug":"como-contribuira-la-calificacion-crediticia-a-mantener-abierto-el-grifo-de-la-financiacion-bancaria","status":"publish","type":"post","link":"https:\/\/inbonis.com\/es\/2018\/05\/21\/como-contribuira-la-calificacion-crediticia-a-mantener-abierto-el-grifo-de-la-financiacion-bancaria\/","title":{"rendered":"\u00bfC\u00f3mo contribuir\u00e1 la calificaci\u00f3n crediticia a mantener abierto el grifo de la financiaci\u00f3n bancaria?"},"content":{"rendered":"<p>La pandemia de COVID-19 supone un reto para la financiaci\u00f3n de las pymes. Hist\u00f3ricamente, en situaciones de crisis, los bancos se han visto obligados a extremar la prudencia en la aprobaci\u00f3n de los pr\u00e9stamos y a endurecer las condiciones de financiaci\u00f3n para reducir el riesgo de cr\u00e9dito. Sin embargo, el mercado financiero cuenta hoy con una herramienta de objetivaci\u00f3n del riesgo crediticio que puede contribuir a facilitar el flujo de cr\u00e9dito: la calificaci\u00f3n crediticia. Veamos c\u00f3mo una calificaci\u00f3n crediticia ayuda a los bancos a mantener abierto el gripo de la financiaci\u00f3n:<\/p>\n<ul>\n<li><strong>Ayuda en la decisi\u00f3n de financiaci\u00f3n:<br \/>\n<\/strong>La calificaci\u00f3n crediticia aporta a los bancos una mejor comprensi\u00f3n del riesgo crediticio de las pymes y puede servir como gu\u00eda para cribar a las empresas que solicitan financiaci\u00f3n, especialmente para aquellas entidades que no cuenten con un modelo avanzado de riesgos. Los grandes bancos, que s\u00ed poseen potentes modelos estad\u00edsticos, pueden utilizar la calificaci\u00f3n crediticia como una segunda opini\u00f3n, humana, especializada, independiente y objetiva, que refuerza sus propios mecanismos de evaluaci\u00f3n.<\/li>\n<li><strong>Orientaci\u00f3n en fijaci\u00f3n del tipo de inter\u00e9s:<br \/>\n<\/strong>Los bancos pueden tomar las calificaciones crediticias de una empresa como referencia para fijar el tipo de inter\u00e9s aplicable a su deuda. El precio de la financiaci\u00f3n depender\u00e1, en ese caso, de la calidad crediticia expresada en la nota de rating, por lo que entre una calificaci\u00f3n BB y una B puede haber un incremento sustancial del tipo de inter\u00e9s.<\/li>\n<li><strong>C\u00e1lculo de capital regulatorio:<br \/>\n<\/strong>Las calificaciones crediticias son aceptadas para el c\u00f3mputo de recursos propios que los bancos tienen que destinar a absorber las p\u00e9rdidas que pudieran surgir como resultado de sus riesgos. Gracias a este mecanismo, los bancos que prestan fondos a empresas con una mejor calificaci\u00f3n crediticia son premiados con un menor requerimiento de recursos propios.<\/li>\n<\/ul>\n<ul>\n<li><strong>Titulaci\u00f3n de los activos bancarios:<br \/>\n<\/strong>Las calificaciones crediticias de pymes pueden ser utilizadas en la titulaci\u00f3n de pr\u00e9stamos concedidos a pymes por parte de los bancos. Los programas de titulaci\u00f3n, avalados por el Estado, pueden ser una buena f\u00f3rmula para financiar a las pymes a largo plazo.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>La pandemia de COVID-19 supone un reto para la financiaci\u00f3n de las pymes. Hist\u00f3ricamente, en situaciones de crisis, los bancos se han visto obligados a extremar la prudencia en la aprobaci\u00f3n de los pr\u00e9stamos y a endurecer las condiciones de financiaci\u00f3n para reducir el riesgo de cr\u00e9dito. Sin embargo, el mercado financiero cuenta hoy con [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3322","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfC\u00f3mo contribuir\u00e1 la calificaci\u00f3n crediticia a mantener abierto el grifo de la financiaci\u00f3n bancaria? - INBONIS RATING | The Credit Rating Agency for SME<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/inbonis.com\/es\/2018\/05\/21\/como-contribuira-la-calificacion-crediticia-a-mantener-abierto-el-grifo-de-la-financiacion-bancaria\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfC\u00f3mo contribuir\u00e1 la calificaci\u00f3n crediticia a mantener abierto el grifo de la financiaci\u00f3n bancaria?\" \/>\n<meta property=\"og:description\" content=\"La pandemia de COVID-19 supone un reto para la financiaci\u00f3n de las pymes. 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