{"id":3357,"date":"2021-12-10T09:25:10","date_gmt":"2021-12-10T09:25:10","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/como-conseguir-una-financiacion-bancaria-mas-favorable-en-tiempos-de-crisis\/"},"modified":"2025-01-06T18:38:50","modified_gmt":"2025-01-06T18:38:50","slug":"como-conseguir-una-financiacion-bancaria-mas-favorable-en-tiempos-de-crisis","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2021\/12\/10\/como-conseguir-una-financiacion-bancaria-mas-favorable-en-tiempos-de-crisis\/","title":{"rendered":"C\u00f3mo conseguir una financiaci\u00f3n bancaria m\u00e1s favorable en tiempos de crisis"},"content":{"rendered":"<p>Las pymes espa\u00f1olas que solicitaron pr\u00e9stamos bancarios entre abril y septiembre percibieron un <strong>endurecimiento de las condiciones aplicadas en cuanto a los tipos de inter\u00e9s y a las garant\u00edas requeridas<\/strong>, si bien otras condiciones \u2014como el plazo de vencimiento o el importe concedido\u2014 mantuvieron una evoluci\u00f3n m\u00e1s favorable. Seg\u00fan la \u00faltima <a href=\"https:\/\/www.ecb.europa.eu\/stats\/ecb_surveys\/safe\/html\/ecb.safe202111~0380b0c0a2.en.html#toc12\">\u201cEncuesta semestral sobre el acceso a las empresas a la financiaci\u00f3n externa de las empresas en la zona euro\u201d del Banco Central Europeo (BCE)<\/a>, el porcentaje de pymes que informaron sobre un aumento de los tipos de inter\u00e9s se situ\u00f3 en el 23% en Espa\u00f1a, frente al 14% del semestre anterior. \u00a0Adem\u00e1s, se ha producido un ligero aumento de las peticiones de fondos rechazadas, hasta situarse en un 7%.<\/p>\n<p>La Encuesta del BCE podr\u00eda confirmar un hecho que se repite en tiempos de crisis: <strong>cuando hay incertidumbre, los bancos suelen extremar la prudencia en la concesi\u00f3n de los pr\u00e9stamos y tienden a endurecer las condiciones de financiaci\u00f3n <\/strong>para reducir su riesgo de cr\u00e9dito.<\/p>\n<h2><strong>Entonces, \u00bfc\u00f3mo conseguir una financiaci\u00f3n bancaria m\u00e1s favorable en tiempos de crisis?<\/strong><\/h2>\n<p>Para conseguir financiaci\u00f3n bancaria es indispensable <strong>generar confianza<\/strong> en los bancos. <strong>Conviene recordar que el banco no es otra cosa que un proveedor<\/strong>\u00a0y, por lo tanto, <strong>hay que negociar con \u00e9l las condiciones de pr\u00e9stamos y l\u00edneas de cr\u00e9dito<\/strong>, aportando la documentaci\u00f3n necesaria para llegar a un acuerdo que convenga a las dos partes.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-5803\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/inbonis_bank_01-1.jpeg\" alt=\"\" width=\"1080\" height=\"500\" \/><\/p>\n<p>El objetivo de esta documentaci\u00f3n es demostrar la solvencia propia para conseguir la financiaci\u00f3n bancaria. Una<strong> buena opci\u00f3n es presentar una calificaci\u00f3n crediticia positiva<\/strong>, <strong>remitida por una agencia de calificaci\u00f3n crediticia acreditada por la Autoridad Europea de Valores y Mercados, ESMA<\/strong>.<\/p>\n<h3>La calificaci\u00f3n crediticia<\/h3>\n<p><strong>La calificaci\u00f3n crediticia ayuda al banco a comprender mejor la situaci\u00f3n de la empresa<\/strong>, ya que, adem\u00e1s de la nota de rating, el Informe de Calificaci\u00f3n ofrece un estudio cualitativo de los riesgos de negocio; factores explicativos de las principales variables (modelo econ\u00f3mico, crecimiento, posici\u00f3n competitiva, solvencia, rentabilidad, endeudamiento, liquidez, accionariado, gobierno corporativo, etc.) y una comparaci\u00f3n entre la empresa y su sector. Adem\u00e1s, <strong>el uso de la calificaci\u00f3n crediticia <a href=\"https:\/\/inbonis.com\/es\/como-contribuira-la-calificacion-crediticia-a-mantener-abierto-el-grifo-de-la-financiacion-bancaria\/\">tiene otras ventajas para los bancos que podr\u00edan facilitar la concesi\u00f3n del pr\u00e9stamo.<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/inbonis.com\/es\/adios-a-los-prejuicios-una-pyme-puede-tener-una-calificacion-crediticia-mejor-que-una-empresa-del-ibex-35\/\">Otra de las claves es diferenciarse de las empresas menos solventes<\/a>.<\/strong> Atendiendo a la tasa de mora en cr\u00e9dito bancario (4,6% en diciembre de 2020), la calificaci\u00f3n media de las pymes espa\u00f1olas estar\u00eda situada en B-. Si una pyme quiere mejorar sus condiciones de financiaci\u00f3n, <strong>podr\u00e1 utilizar la calificaci\u00f3n crediticia positiva como herramienta para demostrar su solvencia y diferenciarse del resto de las pymes.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/inbonis.com\/es\/\">Para ver qu\u00e9 calificaci\u00f3n tienen las pymes calificadas por INBONIS y qu\u00e9 incluye el informe de calificaci\u00f3n, pulsar aqu\u00ed<\/a><\/p>\n<p>Para ver el listado de empresas calificadas, pulsar <a href=\"https:\/\/inbonis.com\/rated-smes\/#smelist\" target=\"_blank\" rel=\"noopener noreferrer\">aqu\u00ed<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Las pymes espa\u00f1olas que solicitaron pr\u00e9stamos bancarios entre abril y septiembre percibieron un endurecimiento de las condiciones aplicadas en cuanto a los tipos de inter\u00e9s y a las garant\u00edas requeridas, si bien otras condiciones \u2014como el plazo de vencimiento o el importe concedido\u2014 mantuvieron una evoluci\u00f3n m\u00e1s favorable. Seg\u00fan la \u00faltima \u201cEncuesta semestral sobre el [&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-3357","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>C\u00f3mo conseguir una financiaci\u00f3n bancaria m\u00e1s favorable en tiempos de crisis - 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\/12\/10\/como-conseguir-una-financiacion-bancaria-mas-favorable-en-tiempos-de-crisis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo conseguir una financiaci\u00f3n bancaria m\u00e1s favorable en tiempos de crisis\" \/>\n<meta property=\"og:description\" content=\"Las pymes espa\u00f1olas que solicitaron pr\u00e9stamos bancarios entre abril y septiembre percibieron un endurecimiento de las condiciones aplicadas en cuanto a los tipos de inter\u00e9s y a las garant\u00edas requeridas, si bien otras condiciones \u2014como el plazo de vencimiento o el importe concedido\u2014 mantuvieron una evoluci\u00f3n m\u00e1s favorable. 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