{"id":3378,"date":"2023-01-04T09:25:14","date_gmt":"2023-01-04T09:25:14","guid":{"rendered":"http:\/\/inbonis.com\/2024\/04\/18\/reyes-magos-y-calificacion-crediticia\/"},"modified":"2025-01-08T08:42:40","modified_gmt":"2025-01-08T08:42:40","slug":"reyes-magos-y-calificacion-crediticia","status":"publish","type":"post","link":"https:\/\/inbonis.com\/fr\/2023\/01\/04\/reyes-magos-y-calificacion-crediticia\/","title":{"rendered":"REYES MAGOS Y CALIFICACI\u00d3N CREDITICIA"},"content":{"rendered":"<p><img decoding=\"async\" class=\"alignnone size-full wp-image-10299\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/Diapositiva1.jpg\" alt=\"\" width=\"1066\" height=\"556\" \/><\/p>\n<h3><strong>Queridos Reyes Magos:<\/strong><\/h3>\n<p>S\u00e9 que recibir\u00e9is miles de cartas estos d\u00edas y que seguramente est\u00e9is desbordados, pero si me lo permit\u00eds me gustar\u00eda pedir algo no solo para m\u00ed, sino para que todas las personas que trabajan conmigo y para que sus familias puedan asegurar su futuro.<\/p>\n<p>S\u00e9 que nuestra empresa mejorar\u00eda con una buena <strong>calificaci\u00f3n crediticia<\/strong> positiva, por eso les pedir\u00eda que me trajeran estas Navidades una calificaci\u00f3n crediticia (rating), pero no cualquiera, sino una de confianza, objetiva e independiente que son los aut\u00e9nticos pilares de una buena agencia de calificaci\u00f3n crediticia.<\/p>\n<h2><strong>A lo mejor se preguntan \u00bfQu\u00e9 es una calificaci\u00f3n crediticia? <\/strong><\/h2>\n<p>Una <a href=\"https:\/\/inbonis.com\/es\/agencia-de-rating\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>calificaci\u00f3n crediticia<\/strong><\/a> es una opini\u00f3n prospectiva sobre la capacidad de una empresa de hacer frente a sus obligaciones financieras, basada en un an\u00e1lisis de la realidad empresarial (posicionamiento de mercado, coherencia de sus indicadores, gobierno corporativo), y realizada por analistas expertos seg\u00fan una metodolog\u00eda probada.<\/p>\n<ul>\n<li>Es el est\u00e1ndar utilizado en los <strong>mercados de capitales<\/strong> para estimar el riesgo de la financiaci\u00f3n.<\/li>\n<li>Es una <strong>actividad regulada<\/strong> desde 2009 en la Uni\u00f3n Europea: Reglamento (CE) 1060\/2009 del Parlamento Europeo y del Consejo.<\/li>\n<li>La <strong>Autoridad Europea de Mercados y Valores<\/strong> (<a href=\"https:\/\/www.esma.europa.eu\/\" target=\"_blank\" rel=\"noopener noreferrer\">ESMA<\/a>) es el \u00f3rgano supervisor.<\/li>\n<li>No es lo mismo que un \u00abscoring\u00bb, actividad 100% automatizada y no regulada.<\/li>\n<\/ul>\n<p>Esta opini\u00f3n se entrega en un informe cualitativo con una \u00abnota\u00bb o escal\u00f3n de calificaci\u00f3n. Dicho informe ofrece una calificaci\u00f3n completa de la realidad empresarial e identifica los puntos fuertes y vulnerabilidades de una empresa<\/p>\n<p>Al igual que tus padres le reportaban a los Reyes Magos y los profesores en la escuela a tus padres tambi\u00e9n, la nota de un rating no es otra cosa que una calificaci\u00f3n m\u00e1s.<\/p>\n<p>As\u00ed podr\u00edamos realizar nuevas inversiones, crecer, ser m\u00e1s competitivos y estables.<\/p>\n<h2><strong>\u00bfQu\u00e9 es una nota de calificaci\u00f3n alta y c\u00f3mo se determina?<\/strong><\/h2>\n<p>Todos sabemos que soy encantador, que derrocho simpat\u00eda, vamos un \u201camor\u201d de persona, pero a los bancos no les importa eso. Ellos quieren tener una medida objetiva sobre <strong>tu comportamiento financiero<\/strong>.<\/p>\n<p>A diferencia de la escuela donde la escala de calificaci\u00f3n iba del 0 al 10, la calificaci\u00f3n crediticia depende de varios factores, entre ellos c\u00f3mo es tu capacidad de pago.<\/p>\n<p>Existen varias opciones para conocer tu calificaci\u00f3n crediticia. La m\u00e1s obvia y fiable es realizar una calificaci\u00f3n crediticia a trav\u00e9s de una agencia. Te pedir\u00e1n algunos datos y en un plazo entorno a los 10 d\u00edas conocer\u00e1s tu nota.<\/p>\n<h2><strong>\u00a0<\/strong><strong>\u00bfQu\u00e9 se eval\u00faa en el proceso de calificaci\u00f3n?<\/strong><\/h2>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-10296\" src=\"https:\/\/inbonis.com\/wp-content\/uploads\/calificaci\u00f3n.png\" alt=\"Calificaci\u00f3n crediticia y reyes magos\" width=\"850\" height=\"340\" \/><\/p>\n<p>M\u00e1s informaci\u00f3n sobre la <a href=\"https:\/\/inbonis.com\/wp-content\/uploads\/INBONIS-Disclosure_6-Methodology__Definition.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">metodolog\u00eda empleada<\/a><\/p>\n<h2><strong>\u00bfCuales ser\u00e1n los beneficios?<\/strong><\/h2>\n<ul>\n<li><strong>MEJORA DE LA GESTI\u00d3N PROPIA<\/strong>, al identificar fortalezas y debilidades y mejorar la comunicaci\u00f3n financiera con los grupos de inter\u00e9s.<\/li>\n<li><strong>MEJORA EN LA B\u00daSQUEDA DE FINANCIACI\u00d3N<\/strong>, tradicional o alternativa, agilizando los procesos y accediendo a nuevos productos m\u00e1s sofisticados.<\/li>\n<li><strong>GANAR O RETENER CLIENTES,<\/strong> demostrando la viabilidad de la empresa para acceder a grandes clientes o licitaciones p\u00fablicas.<\/li>\n<li><strong>EN PROCESOS DE VENTA O FUSIONES<\/strong>, dando agilidad a los procesos y alineando a diferentes grupos de inter\u00e9s.<\/li>\n<li><strong>ACCESO A FINANCIACI\u00d3N P\u00daBLICA<\/strong>, pues m\u00e1s de 10.000 millones de euros de financiaci\u00f3n p\u00fablica para pymes en Espa\u00f1a requieren una calificaci\u00f3n crediticia como criterio de selecci\u00f3n<\/li>\n<\/ul>\n<h2><strong>Conclusi\u00f3n<\/strong><\/h2>\n<p>La <strong>calificaci\u00f3n crediticia<\/strong> es como una palanca que te ayudar\u00e1 a conseguir grandes objetivos con un esfuerzo menor. Ser\u00e1 mejor que la cuides&#8230;.<\/p>\n<p>La educaci\u00f3n financiera es uno de los pilares sobre los cuales se construye el bienestar de nuestras familias.<\/p>\n<p>As\u00ed que ya por terminar, si pudierais tener en cuenta mi petici\u00f3n os estar\u00eda muy agradecido<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Queridos Reyes Magos: S\u00e9 que recibir\u00e9is miles de cartas estos d\u00edas y que seguramente est\u00e9is desbordados, pero si me lo permit\u00eds me gustar\u00eda pedir algo no solo para m\u00ed, sino para que todas las personas que trabajan conmigo y para que sus familias puedan asegurar su futuro. S\u00e9 que nuestra empresa mejorar\u00eda con una buena [&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":[1],"tags":[],"class_list":["post-3378","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"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>REYES MAGOS Y CALIFICACI\u00d3N CREDITICIA - 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\/2023\/01\/04\/reyes-magos-y-calificacion-crediticia\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"REYES MAGOS Y CALIFICACI\u00d3N CREDITICIA\" \/>\n<meta property=\"og:description\" content=\"Queridos Reyes Magos: S\u00e9 que recibir\u00e9is miles de cartas estos d\u00edas y que seguramente est\u00e9is desbordados, pero si me lo permit\u00eds me gustar\u00eda pedir algo no solo para m\u00ed, sino para que todas las personas que trabajan conmigo y para que sus familias puedan asegurar su futuro. 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