{"id":3367,"date":"2022-06-16T09:25:14","date_gmt":"2022-06-16T09:25:14","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/"},"modified":"2025-01-06T20:19:43","modified_gmt":"2025-01-06T20:19:43","slug":"la-notation-de-credit-un-outil-precieux-pour-leducation-financiere","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/","title":{"rendered":"La notation de cr\u00e9dit, un outil pr\u00e9cieux pour l’\u00e9ducation financi\u00e8re"},"content":{"rendered":"

Le PDG d’INBONIS Rating, Alberto S\u00e1nchez Navalpotro, a particip\u00e9 \u00e0 Valence \u00e0 la conf\u00e9rence “Rumbo a la bolsa”, organis\u00e9e par Grupo \u00c9tica, avec une pr\u00e9sentation dans laquelle il a pr\u00e9sent\u00e9 INBONIS Rating comme un “instrument pr\u00e9cieux” pour contribuer \u00e0 “l’\u00e9ducation financi\u00e8re”<\/strong> car, selon lui, avec la notation de cr\u00e9dit “nous disons \u00e0 une entreprise, de mani\u00e8re transparente et standardis\u00e9e, comment le syst\u00e8me qui peut l’aider \u00e0 se financer la voit ou comment les concurrents les plus directs de son secteur la voient”.<\/p>\n

S\u00e1nchez Navalpotro a utilis\u00e9 un ton p\u00e9dagogique pour aider \u00e0 “d\u00e9mystifier” la notation de cr\u00e9dit et la pr\u00e9senter comme quelque chose “d’extr\u00eamement utile” pour les entreprises, les banques et les agents de l’administration publique qui agissent en tant que “financiers”<\/strong>. INBONIS Rating, pionnier de la notation des PME et des valeurs moyennes en Europe, vient de f\u00eater son troisi\u00e8me anniversaire avec 380 soci\u00e9t\u00e9s not\u00e9es depuis son enregistrement par l’Autorit\u00e9 europ\u00e9enne des march\u00e9s financiers (ESMA).<\/p>\n

Devant un public sp\u00e9cialis\u00e9, Navalpotro a expliqu\u00e9 certains des avantages des notations de cr\u00e9dit. Par exemple, des informations structur\u00e9es de qualit\u00e9 sont disponibles gr\u00e2ce \u00e0 une m\u00e9thodologie sp\u00e9cifique et \u00e9prouv\u00e9e. En outre, on y acc\u00e8de plus rapidement que par les agences “classiques” et \u00e0 un co\u00fbt “beaucoup plus faible”.<\/p>\n

“Nos clients appr\u00e9cient grandement les rapports car ils les aident \u00e0 am\u00e9liorer leur propre gestion, \u00e0 gagner ou \u00e0 conserver des clients en exposant leur viabilit\u00e9 \u00e9conomique, ils les renforcent lorsqu’ils recherchent des financements bancaires ou alternatifs et lorsqu’ils sont confront\u00e9s \u00e0 des op\u00e9rations de vente ou de fusion d’entreprises”<\/strong>, a d\u00e9clar\u00e9 M. Navalpotro.<\/p>\n

\"\"<\/p>\n

Entr\u00e9e sur le march\u00e9 boursier<\/h2>\n

Au cours de la session, qui s’est tenue au si\u00e8ge de BioHub \u00e0 La Marina de Valencia, le processus d’introduction en bourse sur le march\u00e9 des capitaux pour les PME (BME Growth) a \u00e9t\u00e9 abord\u00e9 sous diff\u00e9rents angles : depuis le march\u00e9 lui-m\u00eame, par le biais de conseillers enregistr\u00e9s ou juridiques ; du point de vue d’un agent de placement et d’un fournisseur de liquidit\u00e9s ou d’une agence de notation telle que l’INBONIS. L’entr\u00e9e en bourse facilite non seulement l’acc\u00e8s des entreprises au financement, mais accro\u00eet \u00e9galement leur visibilit\u00e9 et leur procure des liquidit\u00e9s.<\/strong> Bref, un saut de dimension dans lequel les rapports de solvabilit\u00e9 sont essentiels<\/strong>, comme l’a expliqu\u00e9 Navalpotro.<\/p>\n

Dans son discours de cl\u00f4ture, Manuel Illueca, directeur g\u00e9n\u00e9ral de l’Institut Valenci\u00e0 de Finances, qui d\u00e9pend de la Generalitat Valenciana, a pr\u00e9sent\u00e9 une nouvelle ligne de cr\u00e9dit de l’institution pour encourager les entreprises valenciennes \u00e0 entrer en bourse. Il a expliqu\u00e9 que les march\u00e9s de capitaux officiels, tels que BME Growth, sont utilis\u00e9s pour financer la croissance des entreprises et sont devenus la principale alternative aux banques et au capital-risque, en raison de leurs avantages pour les entreprises et les investisseurs.<\/p>\n

Le FIV exige d\u00e9j\u00e0 un rapport de notation pour les entreprises qui sollicitent quatre de ses lignes de financement subventionn\u00e9es. Illueca a expliqu\u00e9 qu’INBONIS Rating “nous aide beaucoup parce qu’avec eux nous avons des agents ind\u00e9pendants avec des processus standardis\u00e9s et une qualit\u00e9 prouv\u00e9e qui nous permettent de d\u00e9ployer nos m\u00e9canismes de financement bas\u00e9s sur des appels \u00e0 propositions”.<\/p>\n

\"\"<\/p>\n

\u00a0En France existe une culture de la notation<\/h2>\n

Lors d’une discussion ult\u00e9rieure avec le public, M. Navalpotro a approfondi ses r\u00e9flexions sur la n\u00e9cessit\u00e9 d’am\u00e9liorer la culture financi\u00e8re de l’Espagne. “C’est l’une de nos affaires inachev\u00e9es et cela a \u00e0 voir avec la taille de nos entreprises”, a-t-il d\u00e9clar\u00e9. En France – qui, avec l’Espagne, est le march\u00e9 sur lequel INBONIS est le plus pr\u00e9sent – il existe une plus grande culture de la notation “car la Banque centrale fran\u00e7aise est un grand agent de notation et les entreprises y ont acc\u00e8s”.<\/strong><\/p>\n

Le PDG d’INBONIS poursuit son analyse : “En Espagne, cependant, les banques classent et notent, mais n’expliquent pas en profondeur parce que leurs mod\u00e8les ne sont pas clairs et que beaucoup d’informations de qualit\u00e9 tombent \u00e0 l’eau”. Et d’ajouter : “Dans la vie, nous devons tous \u00eatre des militants pour changer les choses et, en ce qui nous concerne, les militants du ‘statu quo’ sont tr\u00e8s forts et il est difficile de changer des fa\u00e7ons consolid\u00e9es de faire les choses”. N\u00e9anmoins, il est convaincu que cela “va changer, car les banques ne peuvent s’opposer \u00e0 ce qu’on leur fournisse des informations de qualit\u00e9 ; la question est de savoir comment ces informations sont introduites dans un processus d\u00e9j\u00e0 \u00e9tabli”.<\/p>\n

Parmi les autres intervenants de la conf\u00e9rence figuraient Fernando Ib\u00e1\u00f1ez, directeur g\u00e9n\u00e9ral d’Ethics et chef des march\u00e9s ; \u00c1lvaro Castro, directeur et chef des finances de BME Growth ; Pablo Rodr\u00edguez-Guanter, directeur d’Equities-Corporate Finance \u00e0 Caixabank ; et Alejandro R\u00edos, associ\u00e9 et chef du bureau de Valence de Broseta Abogados.<\/p>\n

INBONIS Rating a \u00e9t\u00e9 cr\u00e9\u00e9 dans le but de faciliter le financement des petites et moyennes entreprises sur un pied d’\u00e9galit\u00e9 avec les grandes entreprises. Ces derni\u00e8res ann\u00e9es, elle a gagn\u00e9 des parts de march\u00e9 et \u00e9met d\u00e9sormais 56% des nouvelles notations publi\u00e9es en Espagne et en France, les deux march\u00e9s o\u00f9 elle est pr\u00e9sente. D’ici 2025, elle esp\u00e8re atteindre 3 000 entreprises \u00e9valu\u00e9es et \u00e9tudie la possibilit\u00e9 de s’implanter dans d’autres pays de l’UE apr\u00e8s s’\u00eatre \u00e9tablie \u00e0 Valence, deuxi\u00e8me bureau en Espagne apr\u00e8s Madrid.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Le PDG d’INBONIS Rating, Alberto S\u00e1nchez Navalpotro, a particip\u00e9 \u00e0 Valence \u00e0 la conf\u00e9rence “Rumbo a la bolsa”, organis\u00e9e par Grupo \u00c9tica, avec une pr\u00e9sentation dans laquelle il a pr\u00e9sent\u00e9 INBONIS Rating comme un “instrument pr\u00e9cieux” pour contribuer \u00e0 “l’\u00e9ducation financi\u00e8re” car, selon lui, avec la notation de cr\u00e9dit “nous disons \u00e0 une entreprise, de […]<\/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-3367","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar"],"acf":[],"yoast_head":"\nLa notation de cr\u00e9dit, un outil pr\u00e9cieux pour l'\u00e9ducation financi\u00e8re - 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\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La notation de cr\u00e9dit, un outil pr\u00e9cieux pour l'\u00e9ducation financi\u00e8re\" \/>\n<meta property=\"og:description\" content=\"Le PDG d’INBONIS Rating, Alberto S\u00e1nchez Navalpotro, a particip\u00e9 \u00e0 Valence \u00e0 la conf\u00e9rence “Rumbo a la bolsa”, organis\u00e9e par Grupo \u00c9tica, avec une pr\u00e9sentation dans laquelle il a pr\u00e9sent\u00e9 INBONIS Rating comme un “instrument pr\u00e9cieux” pour contribuer \u00e0 “l’\u00e9ducation financi\u00e8re” car, selon lui, avec la notation de cr\u00e9dit “nous disons \u00e0 une entreprise, de […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/\" \/>\n<meta property=\"og:site_name\" content=\"INBONIS RATING | The Credit Rating Agency for SME\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-16T09:25:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-06T20:19:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/inbonis.com\/wp-content\/uploads\/Navalpotro_rumbo-a-la-bolsa.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=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/\"},\"author\":{\"name\":\"INBONIS Rating\",\"@id\":\"https:\/\/inbonis.com\/fr\/#\/schema\/person\/e666ac4c11c74582428e481a853794fb\"},\"headline\":\"La notation de cr\u00e9dit, un outil pr\u00e9cieux pour l’\u00e9ducation financi\u00e8re\",\"datePublished\":\"2022-06-16T09:25:14+00:00\",\"dateModified\":\"2025-01-06T20:19:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/\"},\"wordCount\":985,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/inbonis.com\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/inbonis.com\/wp-content\/uploads\/Navalpotro_rumbo-a-la-bolsa.jpg\",\"articleSection\":[\"Sin categorizar\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/\",\"url\":\"https:\/\/inbonis.com\/fr\/2022\/06\/16\/la-notation-de-credit-un-outil-precieux-pour-leducation-financiere\/\",\"name\":\"La notation de cr\u00e9dit, un outil pr\u00e9cieux pour l'\u00e9ducation financi\u00e8re - 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