{"id":3328,"date":"2021-05-16T09:25:08","date_gmt":"2021-05-16T09:25:08","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/le-facteur-humain-la-cle-de-la-notation-de-credit\/"},"modified":"2025-01-06T20:21:32","modified_gmt":"2025-01-06T20:21:32","slug":"le-facteur-humain-la-cle-de-la-notation-de-credit","status":"publish","type":"post","link":"https:\/\/inbonis.com\/es\/2021\/05\/16\/le-facteur-humain-la-cle-de-la-notation-de-credit\/","title":{"rendered":"Le facteur humain, la cl\u00e9 de la notation de cr\u00e9dit"},"content":{"rendered":"<p>Une notation de cr\u00e9dit est d\u00e9finie comme une \u00e9valuation de la capacit\u00e9 d\u2019une organisation \u00e0 faire face \u00e0 ses obligations de paiement, r\u00e9alis\u00e9e par des analystes exp\u00e9riment\u00e9s \u00e0 l\u2019aide d\u2019une m\u00e9thodologie \u00e9prouv\u00e9e. <strong>Le facteur humain est donc essentiel dans l\u2019\u00e9mission d\u2019une notation de cr\u00e9dit, par opposition aux \u00ab scoring \u00bb qui sont effectu\u00e9s automatiquement et qui sont parfois appel\u00e9s \u201cnotations\u201d \u00e0 des fins commerciales.<\/strong><\/p>\n<p>Les analystes des agences de notation \u00e9tudient les facteurs qualitatifs et quantitatifs impliqu\u00e9s dans la qualit\u00e9 de cr\u00e9dit d\u2019une entreprise jusqu\u2019\u00e0 ce qu\u2019ils aient une compr\u00e9hension approfondie de son histoire et de ses projections. Une fois leur analyse effectu\u00e9e et supervis\u00e9e, ils \u00e9mettent leur avis sur une \u00e9chelle alphab\u00e9tique reconnue par tous les acteurs du march\u00e9 financier. Ils suivent ensuite la situation des entreprises afin de pouvoir modifier leur notation si n\u00e9cessaire.<\/p>\n<p>Les scoring, quant \u00e0 eux, sont bas\u00e9s sur des algorithmes complexes qui s\u00e9lectionnent, collectent et classent des informations brutes. Ils fournissent un score instantan\u00e9 et fixe de la capacit\u00e9 de paiement d\u2019une entreprise et, bien qu\u2019ils soient valables pour \u00e9valuer le risque d\u2019une transaction donn\u00e9e, ils ne sont pas coh\u00e9rents dans le temps.<\/p>\n<p><strong>En Europe, seules les agences de notation enregistr\u00e9es et supervis\u00e9es par l\u2019Autorit\u00e9 europ\u00e9enne des march\u00e9s financiers (ESMA) peuvent \u00e9mettre des notations.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une notation de cr\u00e9dit est d\u00e9finie comme une \u00e9valuation de la capacit\u00e9 d\u2019une organisation \u00e0 faire face \u00e0 ses obligations de paiement, r\u00e9alis\u00e9e par des analystes exp\u00e9riment\u00e9s \u00e0 l\u2019aide d\u2019une m\u00e9thodologie \u00e9prouv\u00e9e. Le facteur humain est donc essentiel dans l\u2019\u00e9mission d\u2019une notation de cr\u00e9dit, par opposition aux \u00ab scoring \u00bb qui sont effectu\u00e9s automatiquement et [&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-3328","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) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Le facteur humain, la cl\u00e9 de la notation de cr\u00e9dit - 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\/2021\/05\/16\/le-facteur-humain-la-cle-de-la-notation-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le facteur humain, la cl\u00e9 de la notation de cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Une notation de cr\u00e9dit est d\u00e9finie comme une \u00e9valuation de la capacit\u00e9 d\u2019une organisation \u00e0 faire face \u00e0 ses obligations de paiement, r\u00e9alis\u00e9e par des analystes exp\u00e9riment\u00e9s \u00e0 l\u2019aide d\u2019une m\u00e9thodologie \u00e9prouv\u00e9e. 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