{"id":6379,"date":"2026-01-29T13:57:57","date_gmt":"2026-01-29T12:57:57","guid":{"rendered":"https:\/\/inbonis.com\/?p=6379"},"modified":"2026-01-30T10:01:25","modified_gmt":"2026-01-30T09:01:25","slug":"la-etiqueta-finance-europe-y-la-calificacion","status":"publish","type":"post","link":"https:\/\/inbonis.com\/es\/2026\/01\/29\/la-etiqueta-finance-europe-y-la-calificacion\/","title":{"rendered":"El papel de la calificaci\u00f3n crediticia en la etiqueta Finance Europe"},"content":{"rendered":"<p><strong>El Gobierno de Espa\u00f1a est\u00e1 tramitando la creaci\u00f3n de una Cuenta de Ahorro e Inversi\u00f3n y la aplicaci\u00f3n en el \u00e1mbito nacional de la etiqueta europea Finance Europe, dos iniciativas que se inscriben en una estrategia m\u00e1s amplia de la Uni\u00f3n Europea orientada a movilizar el ahorro de los hogares hacia la inversi\u00f3n productiva de las empresas europeas. Ambos instrumentos son complementarios y responden a un mismo objetivo, pero act\u00faan en planos distintos.<\/strong><\/p>\n<p>La Cuenta de Ahorro e Inversi\u00f3n se concibe como un <strong>canal dirigido al ciudadano<\/strong>, pensado para facilitar el paso del ahorro a la inversi\u00f3n y reducir barreras de acceso a los mercados de capitales. Su funci\u00f3n es crear un entorno m\u00e1s sencillo y previsible que favorezca una mayor inversi\u00f3n de los ciudadanos en las empresas europeas. Actualmente, los hogares espa\u00f1oles concentran m\u00e1s de un bill\u00f3n de euros en dep\u00f3sitos bancarios.<\/p>\n<p>Seg\u00fan la consulta p\u00fablica abierta por el Ministerio de Econom\u00eda en diciembre, esta cuenta permitir\u00e1 agrupar distintos productos financieros bajo un mismo marco<strong>. <\/strong>De esta forma,<strong> se simplificar\u00e1<\/strong>\u00a0<strong>la gesti\u00f3n del ahorro<\/strong>\u00a0sin alterar la l\u00f3gica de funcionamiento de los productos ni sustituir la toma de decisiones individuales.<\/p>\n<h2>Actualmente, los hogares espa\u00f1oles concentran m\u00e1s de un bill\u00f3n de euros en dep\u00f3sitos bancarios<\/h2>\n<p><strong>La etiqueta Finance Europe como identificador<br \/>\n<\/strong>La etiqueta Finance Europe se aplicar\u00e1 a los <strong>productos financieros<\/strong> y tiene como finalidad identificar aquellos veh\u00edculos de inversi\u00f3n dise\u00f1ados para canalizar ahorro hacia la econom\u00eda productiva europea.<\/p>\n<p>El sello fue lanzado en junio de 2025 por un grupo de Estados miembros, entre ellos Espa\u00f1a, con la intenci\u00f3n de establecer un <strong>marco com\u00fan de referencia<\/strong>. Tal y como se explica en<a href=\"https:\/\/portal.mineco.gob.es\/es-es\/comunicacion\/Paginas\/Finance-Europe.aspx\"> este comunicado del Ministerio de Econom\u00eda<\/a> los productos que utilicen la etiqueta deber\u00e1n cumplir tres criterios: destinar <strong>al menos el 70% de sus activos a empresas europeas<\/strong>, incorporar un <strong>horizonte de inversi\u00f3n de largo plazo<\/strong>, con una permanencia m\u00ednima de cinco a\u00f1os, y canalizar una parte sustancial de la inversi\u00f3n hacia <strong>renta variable,<\/strong> sin garant\u00eda de capital permanente. El acuerdo deja la posible aplicaci\u00f3n de <strong>incentivos fiscales<\/strong> en manos de cada Estado miembro.<\/p>\n<p>Aunque, tras el anuncio, parte de la atenci\u00f3n se ha centrado en la inversi\u00f3n en renta variable cotizada, el dise\u00f1o de este instrumento no tendr\u00eda por qu\u00e9 limitase\u00a0 exclusivamente a la Bolsa. Desde una perspectiva de financiaci\u00f3n de mercado,<strong>\u00a0podr\u00eda aplicarse tambi\u00e9n a \u00a0otras formas de inversi\u00f3n directa en empresas no cotizadas<\/strong>, canalizadas a trav\u00e9s de fondos de private equity, venture capital u otros veh\u00edculos similares.<\/p>\n<p>Este planteamiento ampliar\u00eda el alcance potencial de los productos etiquetados, pero implicar\u00eda tambi\u00e9n la <strong>necesidad de contar con mecanismos que permitan evaluar correctamente el riesgo<\/strong> cuando la inversi\u00f3n se dirige a empresas con menos visibilidad en el mercado financiero, como las pymes o midcaps no cotizadas.<\/p>\n<h2>El sello podr\u00eda permitir canalizar financiaci\u00f3n hacia empresas no cotizadas, pero se necesitan mecanismos adecuados para evaluar correctamente el riesgo<\/h2>\n<p><strong>Calificaci\u00f3n crediticia como infraestructura de mercado<br \/>\n<\/strong>En este contexto, la calificaci\u00f3n crediticia est\u00e1 llamada a desempe\u00f1ar un papel protagonista <strong>como infraestructura de mercado<\/strong>, aportando criterios objetivos, comparables y comprensibles para la evaluaci\u00f3n del riesgo empresarial. El rating da visibilidad a estas empresas y contribuye a reducir la asimetr\u00eda de informaci\u00f3n entre emisores, gestores e inversores finales, y facilita la construcci\u00f3n de productos de inversi\u00f3n coherentes con los objetivos que persigue la etiqueta Finance Europe. Adem\u00e1s, \u00a0la extension de la calificaci\u00f3n crediticia\u00a0 a las peque\u00f1as y medianas empresas les permite emitir bonos corporativos.<\/p>\n<p>Desde <strong>INBONIS Rating<\/strong>, apoyamos todas las iniciativas que contribuyan a fomentar la visibilidad de empresas europeas, especialmente de las pymes y midcaps, para que puedan acceder a m\u00e1s y mejor financiaci\u00f3n para su crecimiento en las mismas condiciones que las grandes empresas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Gobierno de Espa\u00f1a est\u00e1 tramitando la creaci\u00f3n de una Cuenta de Ahorro e Inversi\u00f3n y la aplicaci\u00f3n en el \u00e1mbito nacional de la etiqueta europea Finance Europe, dos iniciativas que se inscriben en una estrategia m\u00e1s amplia de la Uni\u00f3n Europea orientada a movilizar el ahorro de los hogares hacia la inversi\u00f3n productiva de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-6379","post","type-post","status-publish","format-standard","has-post-thumbnail","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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