{"id":3365,"date":"2022-05-31T09:25:14","date_gmt":"2022-05-31T09:25:14","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/"},"modified":"2025-01-06T18:53:11","modified_gmt":"2025-01-06T18:53:11","slug":"inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/","title":{"rendered":"INBONIS Rating f\u00eate ses trois ans de d\u00e9mocratisation de la notation de cr\u00e9dit"},"content":{"rendered":"<h3><strong>INBONIS Rating f\u00eate son troisi\u00e8me anniversaire en tant qu&#8217;agence de notation avec 360 entreprises not\u00e9es depuis l\u2019obtention de son accr\u00e9ditation par l&#8217;Autorit\u00e9 europ\u00e9enne des march\u00e9s financiers (ESMA). La soci\u00e9t\u00e9, qui a \u00e9t\u00e9 cr\u00e9\u00e9e dans le but de faciliter le financement des petites et moyennes entreprises dans des conditions similaires que les grandes soci\u00e9t\u00e9s, a gagn\u00e9 des parts de march\u00e9 au cours de ces trois ann\u00e9es et \u00e9met d\u00e9sormais 56% des nouvelles notations publi\u00e9es en Espagne et en France, les deux march\u00e9s o\u00f9 elle op\u00e8re. D&#8217;ici 2025, elle pr\u00e9voit d&#8217;atteindre 3 000 entreprises not\u00e9es et \u00e9tudie sa prochaine entr\u00e9e dans d&#8217;autres pays de l&#8217;UE<\/strong><strong>.<\/strong><\/h3>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-8436\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/INBONIS_NUEVAS-CALIFICACIONES_2022-05-27_FR.jpg\" alt=\"\" width=\"1441\" height=\"810\" \/><\/p>\n<p>La cl\u00e9 de la croissance d&#8217;INBONIS Rating r\u00e9side dans sa sp\u00e9cialisation :<strong> elle est la seule agence du march\u00e9 \u00e0 \u00e9mettre des notations pour les entreprises dont le chiffre d&#8217;affaires est compris entre 5 et 250 millions d&#8217;euros,<\/strong> bien que son offre de valeur s&#8217;\u00e9tende aux ETI dont le chiffre d&#8217;affaires peut atteindre 500 millions d\u2019euros, soit environ 23 000 entreprises en Espagne et 55 000 en France. \u00ab\u00a0Nous d\u00e9mocratisons la notation de cr\u00e9dit afin que les petites et moyennes entreprises puissent augmenter et diversifier leurs sources de financement en utilisant une norme reconnue par tous les acteurs du march\u00e9 des capitaux, jusqu&#8217;ici exclusive aux grandes entreprises. C&#8217;est un outil id\u00e9al pour la recherche de financement et il est en passe de devenir une n\u00e9cessit\u00e9 pour les petites et moyennes entreprises\u00a0\u00bb, d\u00e9clare Alberto S\u00e1nchez Navalpotro, PDG et cofondateur d&#8217;INBONIS.<\/p>\n<p>Pour remplir sa mission, INBONIS Rating a cr\u00e9\u00e9 une m\u00e9thodologie d&#8217;\u00e9valuation qui tient compte des particularit\u00e9s des PME et utilise le logiciel propri\u00e9taire @Refocal, qui facilite et acc\u00e9l\u00e8re le travail des analystes. Gr\u00e2ce \u00e0 ce mode d&#8217;\u00e9valuation disruptif des PME, <strong>elle est en mesure d&#8217;\u00e9mettre des notations et d&#8217;en assurer le suivi pour un prix moyen de 6 500 euros _ 100 fois plus abordable que celles \u00e9mises par les grandes agences (S&amp;P, Moody&#8217;s et Fitch) _ en une dizaine de jours, ne n\u00e9cessitant que trois heures d\u2019engagement de la part de l&#8217;entreprise.<\/strong><\/p>\n<p>Une plus grande efficacit\u00e9 et une base de clients potentiels plus large que celle des agences traditionnelles ont permis \u00e0 INBONIS Rating d&#8217;acc\u00e9l\u00e9rer le rythme d&#8217;\u00e9mission de notations au cours des douze derniers mois. Elle a \u00e9mis 17% des notations officielles d&#8217;entreprises en France et en Espagne (127 des 726 notations \u00e9mises par les principales agences), un pourcentage qui s&#8217;\u00e9l\u00e8ve \u00e0 56% si l&#8217;on ne prend en compte que les entreprises not\u00e9es pour la premi\u00e8re fois (122 sur un total de 219 nouvelles notations), sachant que l&#8217;activit\u00e9 des agences traditionnelles se concentre sur le renouvellement annuel des notations des grandes entreprises.<\/p>\n<h2><strong>Pr\u00e8s de 40 % des PME atteignent ou d\u00e9passent la notation BB<\/strong><\/h2>\n<p>Sur les 360 notations effectu\u00e9es par INBONIS Rating \u00e0 ce jour, pr\u00e8s de 40 % obtiennent une note \u00e9gale ou sup\u00e9rieure \u00e0 BB sur l&#8217;\u00e9chelle de notation et 8 % atteignent ou d\u00e9passent une note BBB.<\/p>\n<p>\u00ab\u00a0Il est temps pour les entreprises de taille moyenne de se d\u00e9faire du stigmate de faiblesse que les agences traditionnelles et m\u00eame certains fonds leur attribuent souvent en raison de leur taille. Beaucoup d&#8217;entre elles obtiennent des notations sup\u00e9rieures \u00e0 celles des entreprises connues de l&#8217;Ibex 35 _ explique Alberto S\u00e1nchez Navalpotro _. Notre m\u00e9thodologie unique pour les PME et ETI nous permet de discerner les entreprises qui sont en mesure de rembourser leurs dettes leur permettant ainsi de se diff\u00e9rencier, ce qui est d\u00e9cisif dans des p\u00e9riodes comme celles que nous vivons actuellement\u00a0\u00bb.<\/p>\n<p><a href=\"https:\/\/inbonis.com\/fr\/pme-qualifiees\/\">Cliquez ici pour la liste des PME not\u00e9es<\/a><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-8457\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/INBONIS_REPORT_2022FR.jpg\" alt=\"\" width=\"3304\" height=\"3112\" \/><\/p>\n<h2><strong>Des notations qui contribuent au r\u00e9tablissement <\/strong><\/h2>\n<p>L&#8217;utilisation croissante des notations de cr\u00e9dit des PME dans les proc\u00e9dures d&#8217;acc\u00e8s aux financements publics a \u00e9t\u00e9 d\u00e9terminante pour l&#8217;expansion d&#8217;INBONIS Rating. <strong>\u00c0 la suite de la pand\u00e9mie, divers organismes publics europ\u00e9ens, nationaux et r\u00e9gionaux ont commenc\u00e9 \u00e0 exiger des entreprises qu&#8217;elles aient une notation de cr\u00e9dit<\/strong> afin de s&#8217;assurer que les ressources publiques soient destin\u00e9es \u00e0 des entreprises r\u00e9ellement viables, capables de rembourser les montants octroy\u00e9s. <strong>La notation de cr\u00e9dit les aide \u00e0 prendre des d\u00e9cisions car elle synth\u00e9tise en une lettre (par exemple BBB, BB, B, CCC,&#8230;) une r\u00e9alit\u00e9 complexe<\/strong> en utilisant une m\u00e9thodologie de qualit\u00e9 qui a pr\u00e9alablement re\u00e7u l&#8217;approbation du r\u00e9gulateur europ\u00e9en, lequel contr\u00f4le \u00e9galement l&#8217;ind\u00e9pendance de l&#8217;agence.<\/p>\n<p>Parmi les exemples d&#8217;utilisation de la notation par les administrations figurent le Fonds paneurop\u00e9en de garantie du Fonds europ\u00e9en d&#8217;investissement, les Fonds espagnols de soutien \u00e0 l\u2019investissement industriel productif et de recapitalisation, diff\u00e9rentes lignes de l\u2019Institut de Finance de Valencia et les programmes fran\u00e7ais d\u2019Obligations et Pr\u00eats Participatifs Relance.<\/p>\n<p><strong>L&#8217;extension des notations de cr\u00e9dit et leur normalisation dans les processus publics ouvrent \u00e9galement de nouvelles possibilit\u00e9s de financement pour les PME, qui peuvent d\u00e9sormais se tourner vers des capitaux priv\u00e9s puisqu&#8217;elles disposent de la norme utilis\u00e9e sur le march\u00e9.<\/strong><\/p>\n<p>\u00ab\u00a0Avec nos notations, nous contribuons \u00e0 la reprise \u00e9conomique post-pand\u00e9mie en rendant les processus de distribution des fonds publics plus efficaces et en facilitant l&#8217;apport de capitaux priv\u00e9s aux entreprises de taille moyenne, m\u00eame dans un cycle \u00e9conomique d\u00e9favorable comme celui que nous connaissons actuellement, afin qu&#8217;elles puissent continuer \u00e0 se d\u00e9velopper et \u00e0 cr\u00e9er des emplois\u00a0\u00bb, d\u00e9clare Alberto S\u00e1nchez Navalpotro.<\/p>\n<h2><strong>Expansion sur d&#8217;autres march\u00e9s de l&#8217;UE<\/strong><\/h2>\n<p>La croissance des entreprises et le d\u00e9veloppement d&#8217;instruments de financement plus sophistiqu\u00e9s par les banques, les gestionnaires de fonds et les investisseurs institutionnels ont conduit les responsables d&#8217;INBONIS Rating \u00e0 envisager u<strong>ne expansion vers d&#8217;autres march\u00e9s de l&#8217;UE, o\u00f9 il existe environ 235 000 entreprises pouvant b\u00e9n\u00e9ficier d&#8217;une notation, \u00e0 commencer par l&#8217;Allemagne.<\/strong><\/p>\n<p>\u00ab\u00a0La situation financi\u00e8re des PME dans le reste de l&#8217;Europe est similaire \u00e0 celle de l&#8217;Espagne et de la France : plus de 80 % du financement \u00e0 long terme des PME et des ETI provient des banques, tandis que le financement non bancaire repr\u00e9sente actuellement \u00e0 peine 20 %. Cette tendance a commenc\u00e9 \u00e0 s&#8217;inverser et les derniers mouvements du march\u00e9 indiquent que le capital-investissement financera la transformation n\u00e9cessaire des PME dans les ann\u00e9es \u00e0 venir, comme c&#8217;est d\u00e9j\u00e0 le cas aux \u00c9tats-Unis. Les notations de cr\u00e9dit seront le pont entre les ETI et les investisseurs\u00a0\u00bb, affirme Alberto S\u00e1nchez Navalpotro.<\/p>\n<h2><strong>\u00c9valuation des crit\u00e8res ESG<\/strong><\/h2>\n<p><strong>Tourn\u00e9 vers l&#8217;avenir, INBONIS Rating s&#8217;engage \u00e0 \u00e9valuer les aspects environnementaux, sociaux et de gouvernance (ESG),<\/strong> en reliant ces mesures aux aspects \u00e9conomiques et financiers. gouvernance (ESG), en reliant ces mesures aux aspects \u00e9conomiques et financiers, conform\u00e9ment \u00e0 la nouvelle taxonomie verte de l&#8217;Union europ\u00e9enne, un cadre con\u00e7u pour f<strong>aciliter les investissements durables et, par cons\u00e9quent, viables des investissements durables et donc \u00e9ligibles au financement public.<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>INBONIS Rating f\u00eate son troisi\u00e8me anniversaire en tant qu&#8217;agence de notation avec 360 entreprises not\u00e9es depuis l\u2019obtention de son accr\u00e9ditation par l&#8217;Autorit\u00e9 europ\u00e9enne des march\u00e9s financiers (ESMA). La soci\u00e9t\u00e9, qui a \u00e9t\u00e9 cr\u00e9\u00e9e dans le but de faciliter le financement des petites et moyennes entreprises dans des conditions similaires que les grandes soci\u00e9t\u00e9s, a gagn\u00e9 [&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-3365","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>INBONIS Rating f\u00eate ses trois ans de d\u00e9mocratisation 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\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"INBONIS Rating f\u00eate ses trois ans de d\u00e9mocratisation de la notation de cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"INBONIS Rating f\u00eate son troisi\u00e8me anniversaire en tant qu&#8217;agence de notation avec 360 entreprises not\u00e9es depuis l\u2019obtention de son accr\u00e9ditation par l&#8217;Autorit\u00e9 europ\u00e9enne des march\u00e9s financiers (ESMA). La soci\u00e9t\u00e9, qui a \u00e9t\u00e9 cr\u00e9\u00e9e dans le but de faciliter le financement des petites et moyennes entreprises dans des conditions similaires que les grandes soci\u00e9t\u00e9s, a gagn\u00e9 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"INBONIS RATING | The Credit Rating Agency for SME\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-31T09:25:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-06T18:53:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/inbonis.com\/wp-content\/uploads\/INBONIS_NUEVAS-CALIFICACIONES_2022-05-27_FR.jpg\" \/>\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=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/\"},\"author\":{\"name\":\"INBONIS Rating\",\"@id\":\"https:\/\/inbonis.com\/fr\/#\/schema\/person\/e666ac4c11c74582428e481a853794fb\"},\"headline\":\"INBONIS Rating f\u00eate ses trois ans de d\u00e9mocratisation de la notation de cr\u00e9dit\",\"datePublished\":\"2022-05-31T09:25:14+00:00\",\"dateModified\":\"2025-01-06T18:53:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/\"},\"wordCount\":1215,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/inbonis.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/inbonis.com\/wp-content\/uploads\/INBONIS_NUEVAS-CALIFICACIONES_2022-05-27_FR.jpg\",\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/\",\"url\":\"https:\/\/inbonis.com\/fr\/2022\/05\/31\/inbonis-rating-fete-ses-trois-ans-de-democratisation-de-la-notation-de-credit\/\",\"name\":\"INBONIS Rating f\u00eate ses trois ans de d\u00e9mocratisation de la notation de cr\u00e9dit - 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