{"id":3366,"date":"2022-06-14T09:25:14","date_gmt":"2022-06-14T09:25:14","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/la-calificacion-crediticia-un-valioso-instrumento-para-la-educacion-financiera\/"},"modified":"2025-01-06T20:15:49","modified_gmt":"2025-01-06T20:15:49","slug":"la-calificacion-crediticia-un-valioso-instrumento-para-la-educacion-financiera","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2022\/06\/14\/la-calificacion-crediticia-un-valioso-instrumento-para-la-educacion-financiera\/","title":{"rendered":"La calificaci\u00f3n crediticia, un valioso instrumento para la educaci\u00f3n financiera"},"content":{"rendered":"<p style=\"font-weight: 400;\">El CEO de INBONIS Rating, Alberto S\u00e1nchez Navalpotro, ha participado en Valencia en la jornada \u201cRumbo a la bolsa\u201d, organizada por el Grupo \u00c9tica, con una ponencia en la que ha presentado a INBONIS Rating como un \u201cvalioso instrumento\u201d para contribuir a la \u201ceducaci\u00f3n financiera\u201d en Espa\u00f1a porque, a su juicio, <strong>con la calificaci\u00f3n crediticia \u201cle decimos a una empresa, de manera transparente y estandarizada, c\u00f3mo le ve el sistema que le puede ayudar a financiarse o c\u00f3mo le ven los competidores m\u00e1s directos de su sector\u201d. \u00a0<\/strong><\/p>\n<p style=\"font-weight: 400;\">S\u00e1nchez Navalpotro ha empleado un tono pedag\u00f3gico para contribuir a \u201cdesmitificar\u201d la calificaci\u00f3n crediticia y presentarla como algo \u201c<strong>enormemente \u00fatil\u201d para las empresas, para la banca y para los agentes de la Administraci\u00f3n p\u00fablica que act\u00faan como \u201cfinanciadores<\/strong>\u201d. INBONIS Rating, empresa pionera en el rating de pymes y midcaps en Europa, acaba de cumplir su tercer aniversario con 380 compa\u00f1\u00edas calificadas desde su registro por la Autoridad Europea de Valores y Mercados (ESMA, por sus siglas en ingl\u00e9s).<\/p>\n<p style=\"font-weight: 400;\">Ante un p\u00fablico especializado, Navalpotro expuso algunas de las ventajas que tiene la calificaci\u00f3n crediticia. Se dispone, por ejemplo, de informaci\u00f3n de calidad estructurada a trav\u00e9s de una metodolog\u00eda espec\u00edfica y probada. Adem\u00e1s, se accede a ella con mayor rapidez que a trav\u00e9s de las agencias \u201ccl\u00e1sicas\u201d y a un coste \u201cmuch\u00edsimo menor\u201d.<\/p>\n<p style=\"font-weight: 400;\">\u201cNuestros clientes aprecian enormemente informes porque les <strong>ayudan a la mejora de la gesti\u00f3n propia, a ganar o retener clientes mediante la exposici\u00f3n de su viabilidad econ\u00f3mica, les refuerza cuando buscan financiaci\u00f3n bancaria o alternativa y cuando afrontar operaciones corporativas de venta o fusi\u00f3n\u201d<\/strong>, indic\u00f3 Navalpotro.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-8729\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/Navalpotro_rumbo-a-la-bolsa.jpg\" alt=\"\" width=\"1200\" height=\"800\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>Calificaciones para salir a bolsa<\/strong><\/h2>\n<p style=\"font-weight: 400;\">Durante la sesi\u00f3n, celebrada en la sede de BioHub, en La Marina de Valencia, se abord\u00f3 el proceso de salida al mercado de capitales para pymes (BME Growth) a trav\u00e9s de diferentes perspectivas: desde el propio mercado, a trav\u00e9s de los asesores registrados o legal; desde la mirada de un agente colocador y un proveedor de liquidez o desde una agencia de rating como INBONIS. <strong>Salir a bolsa no s\u00f3lo facilita a las empresas el acceso a financiaci\u00f3n, sino que incrementa su notoriedad, les aporta liquidez.<\/strong> En definitiva, un salto de dimensi\u00f3n en el que los informes de calificaci\u00f3n crediticia resultan vitales, tal y como explic\u00f3 Navalpotro.<\/p>\n<p style=\"font-weight: 400;\">En la ponencia de clausura, Manuel Illueca, director general del Institut Valenci\u00e0 de Finances, dependiente de la Generalitat Valenciana, present\u00f3 una nueva l\u00ednea de cr\u00e9dito de la instituci\u00f3n para favorecer la salida a bolsa de empresas valencianas. Seg\u00fan explic\u00f3, los mercados de capitales oficiales, como BME Growth, sirven para la financiaci\u00f3n del crecimiento empresarial y se han convertido en la principal alternativa a la banca y al capital riesgo, por sus ventajas para empresas e inversores.<\/p>\n<p style=\"font-weight: 400;\"><strong>El IVF ya requiere un informe de rating para las empresas que optan a cuatro de sus l\u00edneas de financiaci\u00f3n bonificadas<\/strong>. Illueca explic\u00f3 sobre este asunto que INBONIS Rating \u201cnos ayuda much\u00edsimo porque con ellos disponemos de agentes independientes con procesos estandarizados y de calidad probada que nos permite desplegar nuestros mecanismos de financiaci\u00f3n basados en convocatorias\u201d.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-8726\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/Grupo_rumbo-a-la-bolsa.jpg\" alt=\"\" width=\"1200\" height=\"800\" \/><\/p>\n<h2><strong>La cultura financiera, una asignatura pendiente en Espa\u00f1a\u00a0<\/strong><\/h2>\n<p style=\"font-weight: 400;\">En un coloquio posterior con el p\u00fablico asistente, Navalpotro profundiz\u00f3 en su reflexi\u00f3n sobre la necesidad de mejorar la cultura financiera de Espa\u00f1a. \u201cEs una de nuestras asignaturas pendientes y que tiene que ver con el tama\u00f1o de nuestras empresas\u201d, dijo. <strong>En Francia <\/strong>-que es junto a Espa\u00f1a el mercado en el INBONIS est\u00e1 m\u00e1s presente- h<strong>ay mayor cultura de rating \u201cporque el Banco Central franc\u00e9s es un gran agente de rating y las empresas tienen acceso a \u00e9l<\/strong>\u201d.<\/p>\n<p style=\"font-weight: 400;\">El CEO de INBONIS prosigui\u00f3 con su an\u00e1lisis: \u201c<strong>En Espa\u00f1a, sin embargo, los bancos jerarquizan y califican, pero no explican a fondo porque sus modelos no son claros y mucha informaci\u00f3n de calidad se queda por el camino\u201d<\/strong>. Y apostill\u00f3: \u201cEn la vida todos tenemos que ser activistas para cambiar las cosas y, en lo que nos afecta, los activistas del \u2018statu quo\u2019 son muy fuertes y cuesta cambiar formas de hacer ya consolidadas\u201d. Pese a todo, se mostr\u00f3 convencido de que esto \u201cir\u00e1 cambiando porque la banca no puede estar en desacuerdo con que se le proporcione informaci\u00f3n de calidad; la cuesti\u00f3n es c\u00f3mo esa informaci\u00f3n se introduce en un proceso ya establecido\u201d.<\/p>\n<p style=\"font-weight: 400;\">En la jornada tambi\u00e9n intervinieron el director general de \u00c9tica y responsable del \u00e1rea de Mercados, Fernando Ib\u00e1\u00f1ez; \u00a0el consejero y director de Finanzas de BME Growth, \u00c1lvaro Castro; Pablo Rodr\u00edguez-Guanter, director de Equities-Corporate Finance de Caixabank, y Alejandro R\u00edos, socio y director de la oficina de Broseta Abogados en Valencia.<\/p>\n<p style=\"font-weight: 400;\">INBONIS Rating naci\u00f3 con el prop\u00f3sito de facilitar la financiaci\u00f3n de las peque\u00f1as y medianas empresas en igualdad de condiciones que las grandes. En los \u00faltimos a\u00f1os ha ido ganando cuota de mercado y emite ya el 56% de las nuevas calificaciones publicadas\u00a0en Espa\u00f1a y Francia, los dos mercados donde opera. Para 2025, espera alcanzar las 3.000 empresas calificadas y estudia su pr\u00f3ximo desembarco en otros pa\u00edses de la Uni\u00f3n Europea despu\u00e9s de establecerse en Valencia como segunda oficina en Espa\u00f1a tras Madrid.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El CEO de INBONIS Rating, Alberto S\u00e1nchez Navalpotro, ha participado en Valencia en la jornada \u201cRumbo a la bolsa\u201d, organizada por el Grupo \u00c9tica, con una ponencia en la que ha presentado a INBONIS Rating como un \u201cvalioso instrumento\u201d para contribuir a la \u201ceducaci\u00f3n financiera\u201d en Espa\u00f1a porque, a su juicio, con la calificaci\u00f3n crediticia [&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-3366","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) - 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