{"id":5745,"date":"2022-12-01T11:20:23","date_gmt":"2022-12-01T11:20:23","guid":{"rendered":"https:\/\/www.insures4credit.com\/?p=5745"},"modified":"2022-12-01T11:20:23","modified_gmt":"2022-12-01T11:20:23","slug":"blog-la-gestion-de-riesgos-financieros-un-sector-contra-ciclico","status":"publish","type":"post","link":"https:\/\/www.insures4credit.com\/index.php\/2022\/12\/01\/blog-la-gestion-de-riesgos-financieros-un-sector-contra-ciclico\/","title":{"rendered":"La gesti\u00f3n de riesgos financieros: Un sector contra c\u00edclico"},"content":{"rendered":"<p>El <a href=\"https:\/\/www.insures4credit.com\/index.php\/2022\/11\/23\/bog-ultimo-trimestre-de-2022\/\" target=\"_blank\" rel=\"noopener\">panorama econ\u00f3mico<\/a> de los \u00faltimos a\u00f1os ha impulsado el negocio asociado al riesgo de cr\u00e9dito. Y es que<strong> se trata de un sector contra c\u00edclico<\/strong>. Es decir, crece en momentos de recesi\u00f3n, aunque esto se debe a un concepto m\u00e1s emocional que econ\u00f3mico (miedo asociado a la incertidumbre).<\/p>\n<p>Es innegable que en momentos de ralentizaci\u00f3n econ\u00f3mica <strong>la <a href=\"https:\/\/www.insures4credit.com\/index.php\/2022\/10\/18\/blog-lucha-comtra-la-morosidad-y-empresas-a-1-euro\/\" target=\"_blank\" rel=\"noopener\">morosidad<\/a> crece<\/strong> (menores posibilidades de venta, o reducci\u00f3n de margen, y especialmente menor capacidad de financiaci\u00f3n bancaria\u2026. En muchos casos las tres variables a la vez).<\/p>\n<p><!--more--><\/p>\n<p>Venimos de una situaci\u00f3n en la que las circunstancias asociadas a la incertidumbre econ\u00f3mica (no s\u00f3lo eso, sino tambi\u00e9n sanitaria y social) provocaron la articulaci\u00f3n de una serie de medidas que basadas en el incremento de deuda (pa\u00eds, empresas, familias), nos permitieron atenuar el impacto asociado a las consecuencias de la crisis sanitaria que vivimos.<\/p>\n<p>Este factor monetario (junto con otros de naturaleza especulativa) han incidido en el <strong>incremento de la inflaci\u00f3n<\/strong>, que a su vez desencadena el incremento de tipos de inter\u00e9s.<\/p>\n<p>Ahora, en un escenario de deuda elevada, m\u00e1rgenes estrechos e incremento de tipos la morosidad crecer\u00e1. Y esa situaci\u00f3n redunda en una <strong>mayor preocupaci\u00f3n por las posibles <a href=\"https:\/\/www.s4net.com\/covid-19-coronavirus-riesgo-impago-facturas-crisis-economia\/\" target=\"_blank\" rel=\"noopener\">coberturas de cr\u00e9dito<\/a>.<\/strong><\/p>\n<p><strong>El crecimiento de la morosidad es algo esperado desde hace tiempo<\/strong>; lleva unos a\u00f1os en un estado artificialmente bajo (moratorias concursales, ayudas y pr\u00e9stamos con garant\u00eda estatal).\u00a0La cuesti\u00f3n cr\u00edtica a dilucidar es\u2026 \u00bfCu\u00e1nto crecer\u00e1 en t\u00e9rminos absolutos? Podemos esperar magnitudes de crecimiento, en t\u00e9rminos relativos, muy importantes (pero partiendo de un nivel muy bajo).<\/p>\n<p>Como cualquier ciclo econ\u00f3mico se producir\u00e1n ajustes, caer\u00e1n empresas y <strong>la morosidad tendr\u00e1 mayor impacto en aquellas empresas que no hayan atendido a los factores preventivos.<\/strong><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El panorama econ\u00f3mico de los \u00faltimos a\u00f1os ha impulsado el negocio asociado al riesgo de cr\u00e9dito. Y es que se trata de un sector contra c\u00edclico. Es decir, crece en momentos de recesi\u00f3n, aunque esto se debe a un concepto m\u00e1s emocional que econ\u00f3mico (miedo asociado a la incertidumbre). Es innegable que en momentos de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5748,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17,61],"tags":[155,80,139],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La gesti\u00f3n de riesgos financieros: Un sector contra c\u00edclico - Insure S4 Credit<\/title>\n<meta name=\"description\" content=\"Analizamos c\u00f3mo el panorama econ\u00f3mico de los \u00faltimos a\u00f1os ha impulsado el negocio asociado la gesti\u00f3n de riesgos financieros.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insures4credit.com\/index.php\/2022\/12\/01\/blog-la-gestion-de-riesgos-financieros-un-sector-contra-ciclico\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La gesti\u00f3n de riesgos financieros: Un sector contra c\u00edclico - 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