{"id":12773,"date":"2021-02-01T09:15:37","date_gmt":"2021-02-01T08:15:37","guid":{"rendered":"https:\/\/iefweb.developallin.com\/el-fintech-no-podra-compensar-les-restriccions-dels-bancs\/"},"modified":"2023-12-11T16:54:12","modified_gmt":"2023-12-11T15:54:12","slug":"el-fintech-no-podra-compensar-les-restriccions-dels-bancs","status":"publish","type":"post","link":"https:\/\/www.iefweb.org\/ca\/el-fintech-no-podra-compensar-les-restriccions-dels-bancs\/","title":{"rendered":"El fintech no podr\u00e0 compensar les restriccions dels bancs"},"content":{"rendered":"<ul>\n<li align=\"justify\">El finan\u00e7ament alternatiu i el fintech no podran suplir la caiguda banc\u00e0ria provocada per la crisi de la Covid-19.<\/li>\n<li align=\"justify\">La falta de coneixement i oferta de finan\u00e7ament alternatiu m\u00e9s la forta compet\u00e8ncia banc\u00e0ria s\u00f3n les raons de no aconseguir els objectius de la UE de generar finan\u00e7ament alternatiu.<\/li>\n<li align=\"justify\">Tant els bancs com els prove\u00efdors de finan\u00e7ament alternatiu, en la seva majoria, enduriran les condicions del cr\u00e8dit.<\/li>\n<\/ul>\n<p align=\"justify\"><i>Barcelona, 28 de gener de 2021.<\/i> L\u2019Institut d\u2019Estudis Financers (IEF) amb la col\u00b7laboraci\u00f3 de la consultoria Altria Corpo ha presentat els <b>resultats del primer bar\u00f2metre empresarial de fintech i finan\u00e7ament alternatiu<\/b>, en el qual s\u2019ha destacat que <b>aquests no podran suplir la caiguda banc\u00e0ria provocada per la crisi de la Covid-19<\/b>, que el 59% de les empreses desconeix el fintech i que el 67% no coneixen el finan\u00e7ament alternatiu.<\/p>\n<p align=\"justify\">\nEn aquest sentit, l\u2019economista i director general de l\u2019IEF, <b>Josep Soler, afirma que<\/b> \u00abdavant les molt probables restriccions en el cr\u00e8dit bancari en els propers mesos per la morositat i l\u2019augment del risc, <b>el finan\u00e7ament alternatiu fintech \u00e9s encara desconegut per una majoria d&#8217;empreses<\/b> i nom\u00e9s una minoria es planteja utilitzar-lo\u201d. A m\u00e9s a m\u00e9s, afirma que \u201crellan\u00e7ar la Uni\u00f3 del Mercat de Capitals a la Uni\u00f3 Europea que busca refor\u00e7ar aquesta forma de finan\u00e7ament \u00e9s m\u00e9s urgent que mai\u00bb. Una necessitat apressant, ja que el 43% de les empreses enquestades considera que li ha resultat dif\u00edcil o molt dif\u00edcil obtenir finan\u00e7ament bancari durant aquests \u00faltims 6 mesos tot i la liquiditat proporcionada amb els cr\u00e8dits ICO-Covid.<\/p>\n<p align=\"justify\">\nPel que fa al finan\u00e7ament alternatiu, cal destacar que el 42% de les empreses participants l\u2019han utilitzat en alguna ocasi\u00f3, sent el factoring, el renting i el leasing els m\u00e9s utilitzats. I respecte als prove\u00efdors fintech, un 20% de les empreses han utilitzat algun cop els seus serveis en el que destaca el crowdlending. Segons <b>Eloi Noya<\/b>, director general d\u2019Altria Corpo, <b>\u201cel bar\u00f2metre ha revelat un coneixement relatiu d&#8217;instruments de finan\u00e7ament alternatiu, i un \u00fas menor, per\u00f2 amb perspectives de creixement\u201d.<\/b><\/p>\n<p align=\"justify\">\nTot aix\u00f2, en un escenari a futur en el qual un 70% de les empreses tenen previst buscar finan\u00e7ament amb for\u00e7a o molta probabilitat i on un 84% de les empreses creuen que l&#8217;acc\u00e9s al finan\u00e7ament s&#8217;endurir\u00e0. Una situaci\u00f3 que segons Noya s\u2019agreujar\u00e0 perqu\u00e8 <b>\u201cla concessi\u00f3 de cr\u00e8dits a les empreses es restringir\u00e0 molt per part dels bancs<\/b>, despr\u00e9s de l&#8217;esfor\u00e7 que van realitzar en el 2020\u201d, i que \u201cel finan\u00e7ament alternatiu hauria de substituir almenys en part aquestes necessitats de cr\u00e8dit empresarial, per\u00f2 aix\u00f2 en el curt termini no succeir\u00e0\u201d.<\/p>\n<p align=\"justify\">\nUn context que agafa for\u00e7a davant les previsions que indiquen que, encara que tant els bancs com els prove\u00efdors de finan\u00e7ament alternatiu, en la seva majoria, enduriran les condicions del cr\u00e8dit, un 90% dels bancs preveuen pujar els tipus d&#8217;inter\u00e8s a difer\u00e8ncia dels prove\u00efdors de finan\u00e7ament alternatiu, on un 61% d\u2019aquests afirmen que els mantindran estables.<\/p>\n<p align=\"justify\">\nPer acabar, s\u2019ha destacat el fet que la ra\u00f3 per la qual el finan\u00e7ament alternatiu no ha crescut en aquests \u00faltims anys al nivell que pretenia la Uni\u00f3 Europea amb la Capital Markets Union s\u00f3n la <b>falta de coneixement del finan\u00e7ament alternatiu i la forta compet\u00e8ncia del sistema bancari.<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El finan\u00e7ament alternatiu i el fintech no podran suplir la caiguda banc\u00e0ria provocada per la crisi de la Covid-19. La falta de coneixement i oferta de finan\u00e7ament alternatiu m\u00e9s la forta compet\u00e8ncia banc\u00e0ria s\u00f3n les raons de no aconseguir els objectius de la UE de generar finan\u00e7ament alternatiu. Tant els bancs com els prove\u00efdors de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100],"tags":[39,38],"class_list":["post-12773","post","type-post","status-publish","format-standard","hentry","category-informacio-ief","tag-financament-alternatiu","tag-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>El fintech no podr\u00e0 compensar les restriccions dels bancs - IEF<\/title>\n<meta name=\"description\" content=\"Visita l&#039;\u00faltima not\u00edcia sobre El fintech no podr\u00e0 compensar les restriccions dels bancs. 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