{"id":3353,"date":"2021-11-22T09:25:10","date_gmt":"2021-11-22T09:25:10","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/"},"modified":"2025-01-06T20:15:03","modified_gmt":"2025-01-06T20:15:03","slug":"la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/","title":{"rendered":"La calificaci\u00f3n crediticia se impone como criterio para acceder a la financiaci\u00f3n p\u00fablica en Europa"},"content":{"rendered":"<p>La calificaci\u00f3n crediticia se est\u00e1 imponiendo como<strong> criterio de elegibilidad para las peque\u00f1as y medianas empresas que desean acceder a la financiaci\u00f3n p\u00fablica en Europa.<\/strong> Distintas organismos p\u00fablicos europeos, nacionales y regionales est\u00e1n apoy\u00e1ndose en las <a href=\"https:\/\/inbonis.com\/es\/noticias\/\">agencias de calificaci\u00f3n crediticia<\/a> para evaluar a las pymes que solicitan su apoyo y garantizar as\u00ed que los recursos p\u00fablicos se destinan a empresas realmente viables, capaces de devolver las cantidades aportadas.<\/p>\n<p>En muchos casos, la calificaci\u00f3n crediticia sirve de puente entre los inversores, que aportan capital privado a trav\u00e9s de instrumentos h\u00edbridos de colaboraci\u00f3n p\u00fablico-privada, y las pymes que necesitan financiaci\u00f3n. Los inversores encuentran <strong>nuevos nichos a los que destinar sus recursos<\/strong>, ya que, hasta la fecha, m\u00e1s del 95% de sus inversiones se concentran en bonos del Estado, grandes empresas y productos. Las pymes, por su parte, encuentran<strong> financiaci\u00f3n alternativa a la tradicional bancaria<\/strong> para sus proyectos de futuro, precisamente cuando la financiaci\u00f3n bancaria a largo plazo parece empezar a restringirse.<\/p>\n<p>Un ejemplo es el Pan-European Guarantee Fund del Fondo Europeo de Inversiones, quien requiere que la empresa cuente con un rating oficial externo igual o superior a B- para ofrecer sus garant\u00edas.<\/p>\n<p>En Espa\u00f1a, la agencia estatal <a href=\"https:\/\/www.cofides.es\/\"><strong>COFIDES<\/strong><\/a> utiliza la calificaci\u00f3n como primer triaje para las pymes que quieren acceder al Fondo de Recapitalizaci\u00f3n de las Empresas afectadas por la COVID 19, mientras que <a href=\"https:\/\/www.sepides.es\/\">SEPIDES<\/a> puede exigir la presentaci\u00f3n un rating emitido por una agencia de calificaci\u00f3n a las pymes que soliciten una ayuda de entre 5 y 10 millones del <a href=\"https:\/\/www.sepides.es\/fondo_faiip\">Fondo de Apoyo a la Inversi\u00f3n Industrial Productiva<\/a>, rating obligatorio para las cantidades superiores a 10 millones de euros. En el \u00e1mbito regional, el Instituto Valenciano de Finanzas, tambi\u00e9n utiliza el rating crediticio en su programa de pr\u00e9stamos participativos.<\/p>\n<p>En Francia, el Plan Relance, que incluye <a href=\"https:\/\/inbonis.com\/es\/prestamos-participativos-reforzar-la-solvencia-sin-abrir-capital\/\">pr\u00e9stamos participativos<\/a> y <a href=\"https:\/\/inbonis.com\/es\/obligaciones-relance-la-apuesta-francesa-por-la-inversion-del-futuro\/\">obligaciones<\/a>, \u00a0requiere a las empresas una calificaci\u00f3n crediticia de al menos BB- emitida por una agencia de calificaci\u00f3n o su calificaci\u00f3n equivalente de Banque de France (5+). Adem\u00e1s, varias regiones francesas est\u00e1n preparando programas similares.<\/p>\n<p>La normalizaci\u00f3n del uso de la calificaci\u00f3n crediticia abre nuevas posibilidades de financiaci\u00f3n a las pymes, ya que no s\u00f3lo facilita el acceso a la financiaci\u00f3n p\u00fablica, sino que les permite acudir al capital privado para financiar sus proyectos de crecimiento, como es habitual en Estados Unidos. En Europa, <strong>s\u00f3lo el 20% de la financiaci\u00f3n a largo plazo proviene del capital privado, <\/strong>mientras que en Estados Unidos este porcentaje se eleva al 80%.<\/p>\n<p><strong>INBONIS est\u00e1 democratizando la calificaci\u00f3n crediticia<\/strong> poniendo en el mercado ratings crediticios con precios y plazos adecuados para las peque\u00f1as y medianas empresas. Su misi\u00f3n es dar a las pymes las mismas oportunidades de financiaci\u00f3n que tienen las grandes empresas a trav\u00e9s de la calificaci\u00f3n crediticia para que\u00a0 puedan seguir invirtiendo y creando riqueza y empleo.<\/p>\n<p>Para solicitar una calificaci\u00f3n crediticia para su empresa, <strong><a href=\"https:\/\/inbonis.com\/es\/contacto\/\">p\u00f3ngase en contacto con INBONIS aqu\u00ed<\/a><\/strong><\/p>\n<p>Para saber m\u00e1s sobre la <a href=\"https:\/\/inbonis.com\/es\/agencia-de-rating\/\">metodolog\u00eda de INBONIS, pulse aqu\u00ed<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La calificaci\u00f3n crediticia se est\u00e1 imponiendo como criterio de elegibilidad para las peque\u00f1as y medianas empresas que desean acceder a la financiaci\u00f3n p\u00fablica en Europa. Distintas organismos p\u00fablicos europeos, nacionales y regionales est\u00e1n apoy\u00e1ndose en las agencias de calificaci\u00f3n crediticia para evaluar a las pymes que solicitan su apoyo y garantizar as\u00ed que los recursos [&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-3353","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>La calificaci\u00f3n crediticia se impone como criterio para acceder a la financiaci\u00f3n p\u00fablica en Europa - 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\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La calificaci\u00f3n crediticia se impone como criterio para acceder a la financiaci\u00f3n p\u00fablica en Europa\" \/>\n<meta property=\"og:description\" content=\"La calificaci\u00f3n crediticia se est\u00e1 imponiendo como criterio de elegibilidad para las peque\u00f1as y medianas empresas que desean acceder a la financiaci\u00f3n p\u00fablica en Europa. Distintas organismos p\u00fablicos europeos, nacionales y regionales est\u00e1n apoy\u00e1ndose en las agencias de calificaci\u00f3n crediticia para evaluar a las pymes que solicitan su apoyo y garantizar as\u00ed que los recursos [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/\" \/>\n<meta property=\"og:site_name\" content=\"INBONIS RATING | The Credit Rating Agency for SME\" \/>\n<meta property=\"article:published_time\" content=\"2021-11-22T09:25:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-06T20:15:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/inbonis.com\/wp-content\/uploads\/2025\/01\/INBONIS-RATING_LOGO_Square_AZUL.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"INBONIS Rating\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@inbonis_rating\" \/>\n<meta name=\"twitter:site\" content=\"@inbonis_rating\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"INBONIS Rating\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/\"},\"author\":{\"name\":\"INBONIS Rating\",\"@id\":\"https:\/\/inbonis.com\/fr\/#\/schema\/person\/e666ac4c11c74582428e481a853794fb\"},\"headline\":\"La calificaci\u00f3n crediticia se impone como criterio para acceder a la financiaci\u00f3n p\u00fablica en Europa\",\"datePublished\":\"2021-11-22T09:25:10+00:00\",\"dateModified\":\"2025-01-06T20:15:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/\"},\"wordCount\":549,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/inbonis.com\/fr\/#organization\"},\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/\",\"url\":\"https:\/\/inbonis.com\/fr\/2021\/11\/22\/la-calificacion-crediticia-se-impone-como-criterio-para-acceder-a-la-financiacion-publica-en-europa\/\",\"name\":\"La calificaci\u00f3n crediticia se impone como criterio para acceder a la financiaci\u00f3n p\u00fablica en Europa - 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