{"id":3325,"date":"2021-05-16T09:25:08","date_gmt":"2021-05-16T09:25:08","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/el-factor-humano-la-clave-de-la-calificacion-crediticia\/"},"modified":"2025-01-06T18:47:57","modified_gmt":"2025-01-06T18:47:57","slug":"el-factor-humano-la-clave-de-la-calificacion-crediticia","status":"publish","type":"post","link":"https:\/\/inbonis.com\/es\/2021\/05\/16\/el-factor-humano-la-clave-de-la-calificacion-crediticia\/","title":{"rendered":"El factor humano, la clave de la calificaci\u00f3n crediticia"},"content":{"rendered":"<p>La calificaci\u00f3n crediticia se define como una evaluaci\u00f3n de la capacidad de una organizaci\u00f3n para cumplir sus obligaciones de pago, realizada por los analistas expertos de una agencia de calificaci\u00f3n, utilizando una metodolog\u00eda probada. \u00a0El factor humano es clave, por tanto, en la emisi\u00f3n de una calificaci\u00f3n crediticia, al contrario de lo que ocurre con los <em>scorings<\/em> de solvencia que realizan autom\u00e1ticamente las empresas de informaci\u00f3n y que a veces son denominadas \u201cratings\u201d a efectos comerciales.<\/p>\n<p><strong><a title=\"INBONIS RATING | Primera agencia de rating especializada en pymes de Europa\" href=\"https:\/\/inbonis.com\/es\/\">Los analistas de las agencias de calificaci\u00f3n<\/a> estudian los factores cualitativos y cuantitativos que intervienen en la calidad crediticia de una empresa hasta llegar a un conocimiento profundo de su historia y de su proyecci\u00f3n<\/strong>. Una vez realizado y supervisado su an\u00e1lisis, emiten su opini\u00f3n en una escala alfab\u00e9tica reconocida por todos los actores del mercado financiero. Posteriormente, monitorizan la situaci\u00f3n de las empresas para poder modificar su calificaci\u00f3n en caso necesario en caso necesario.<\/p>\n<p><strong>Los <em>scoring<\/em> de solvencia, por su parte, son puntuaciones num\u00e9ricas autom\u00e1ticas, basadas en algoritmos complejos<\/strong> que seleccionan, recogen y clasifican la informaci\u00f3n de los bur\u00f3s de cr\u00e9dito y otras fuentes de informaci\u00f3n p\u00fablicas y privadas. Ofrecen una foto fija de la capacidad de pago de una empresa en un momento concreto y, aunque son v\u00e1lidas para sopesar el riesgo de una operaci\u00f3n determinada, no son consistentes en el tiempo.<\/p>\n<p>En Europa, s\u00f3lo las agencias de calificaci\u00f3n crediticia registradas y supervisadas por la Autoridad Europea de Valores y Mercados (ESMA, por sus siglas en ingl\u00e9s) pueden emitir ratings. INBONIS Rating es la primera agencia de rating especializada en peque\u00f1as y medianas empresas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La calificaci\u00f3n crediticia se define como una evaluaci\u00f3n de la capacidad de una organizaci\u00f3n para cumplir sus obligaciones de pago, realizada por los analistas expertos de una agencia de calificaci\u00f3n, utilizando una metodolog\u00eda probada. \u00a0El factor humano es clave, por tanto, en la emisi\u00f3n de una calificaci\u00f3n crediticia, al contrario de lo que ocurre 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":[3],"tags":[],"class_list":["post-3325","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - 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