{"id":44213,"date":"2026-02-27T13:15:26","date_gmt":"2026-02-27T12:15:26","guid":{"rendered":"https:\/\/www.iefweb.org\/?p=44213"},"modified":"2026-02-27T14:16:26","modified_gmt":"2026-02-27T13:16:26","slug":"vi-barometre-empresarial-de-fintech-i-financament-alternatiu","status":"publish","type":"post","link":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/","title":{"rendered":"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu"},"content":{"rendered":"

El 48% de les empreses espanyoles afirma haver tingut dificultats per accedir al cr\u00e8dit bancari en els darrers dotze mesos. A Catalunya, el percentatge \u00e9s id\u00e8ntic. Aquesta \u00e9s una de les principals conclusions del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu, presentat a la Borsa de Barcelona per l\u2019Institut d\u2019Estudis Financers (IEF) i ALTRIA.<\/span><\/p>\n

L\u2019estudi, elaborat entre novembre de 2025 i gener de 2026 a partir de 185 enquestes a empreses, entitats financeres i prove\u00efdors de finan\u00e7ament alternatiu, confirma una tend\u00e8ncia que ja s\u2019havia detectat en edicions anteriors: l\u2019acc\u00e9s al finan\u00e7ament bancari continua sent un repte per a una part significativa del teixit empresarial.<\/span><\/p>\n

M\u00e9s dificultats i menys expectatives de millora<\/b><\/h2>\n

En el conjunt d\u2019empreses analitzades, el 48% considera que l\u2019acc\u00e9s al cr\u00e8dit ha estat dif\u00edcil o molt dif\u00edcil, davant del 37% de l\u2019any anterior. Nom\u00e9s un 20% el qualifica com a f\u00e0cil o molt f\u00e0cil.<\/span><\/p>\n

De cara als pr\u00f2xims dotze mesos, el pessimisme es mant\u00e9 estable (39% en el conjunt de l\u2019Estat i 37% a Catalunya), mentre que disminueix el nombre d\u2019empreses que esperen una millora en les condicions d\u2019acc\u00e9s.<\/span><\/p>\n

Durant la presentaci\u00f3, Eloi Noya, director d\u2019Innovaci\u00f3 de l\u2019IEF i director del M\u00e0ster en Fintech, IA i Finances Descentralitzades de la Barcelona Finance School, va advertir que podria produir-se un nou enduriment dels criteris de risc bancaris, fet que accentuaria encara m\u00e9s aquesta situaci\u00f3.<\/span><\/p>\n

Finan\u00e7ament alternatiu: molt conegut, per\u00f2 poc diversificat<\/b><\/h2>\n

El coneixement de la finan\u00e7aci\u00f3 alternativa es mant\u00e9 estable al voltant del 80% des de 2021. No obstant aix\u00f2, la seva utilitzaci\u00f3 continua lleugerament per sobre del 50%.<\/span><\/p>\n

Actualment, el 54% de les empreses (52% a Catalunya) ha utilitzat finan\u00e7aci\u00f3 alternativa, principalment a trav\u00e9s d\u2019instruments tradicionals com el factoring, el renting o el leasing no bancari, que representen el 30% del total.<\/span><\/p>\n

En canvi, eines m\u00e9s innovadores i orientades al llarg termini \u2014com els fons de deute o el crowdlending\u2014 continuen tenint un \u00fas minoritari. Aix\u00f2 indica que, malgrat l\u2019alt nivell de coneixement, encara hi ha recorregut per a una major sofisticaci\u00f3 en les estrat\u00e8gies de finan\u00e7ament empresarial.<\/span><\/p>\n

2026: augmenta la demanda de finan\u00e7ament<\/b><\/h2>\n

Un dels indicadors m\u00e9s rellevants del Bar\u00f2metre \u00e9s l\u2019augment en la intenci\u00f3 de buscar nova finan\u00e7aci\u00f3. El 67% de les empreses preveu fer-ho durant els pr\u00f2xims dotze mesos, deu punts m\u00e9s que l\u2019any anterior.<\/span><\/p>\n

A m\u00e9s, el 48% afirma que probablement o amb seguretat recorrer\u00e0 a fonts alternatives el 2026 (39% a Catalunya). Les empreses anticipen un entorn m\u00e9s exigent i es preparen per diversificar les seves fonts de finan\u00e7ament.<\/span><\/p>\n

Bancs: possible baixada de tipus, per\u00f2 m\u00e9s exig\u00e8ncia en el risc<\/b><\/h2>\n

Des del costat de l\u2019oferta, el 62% dels bancs considera que l\u2019entorn actual \u00e9s favorable i el 56% preveu reduir els tipus d\u2019inter\u00e8s el 2026.<\/span><\/p>\n

Tanmateix, aquest optimisme conviu amb una major prud\u00e8ncia: el 44% dels bancs anticipa un enduriment dels criteris de risc. Aquesta combinaci\u00f3 \u2014tipus potencialment m\u00e9s baixos per\u00f2 criteris m\u00e9s estrictes\u2014 dibuixa un escenari complex per a moltes empreses.<\/span><\/p>\n

Una radiografia clau per entendre el moment actual<\/b><\/h2>\n

La sisena edici\u00f3 del Bar\u00f2metre, que per primera vegada incorpora una an\u00e0lisi espec\u00edfica del teixit empresarial catal\u00e0, consolida aquest estudi com una eina de refer\u00e8ncia per comprendre l\u2019evoluci\u00f3 del finan\u00e7ament empresarial.<\/span><\/p>\n

En un context en qu\u00e8 l\u2019acc\u00e9s al cr\u00e8dit es complica i la finan\u00e7aci\u00f3 alternativa guanya pes estrat\u00e8gic, entendre en profunditat el funcionament de les noves infraestructures financeres \u00e9s clau. Programes com el <\/span>M\u00e0ster en Fintech, IA i Finances Descentralitzades<\/b><\/a> i l\u2019<\/span>EP en Descentralitzaci\u00f3 Financera i Emprenedoria Fintech<\/b><\/a> de la Barcelona Finance School ofereixen una visi\u00f3 pr\u00e0ctica i actualitzada sobre tecnologies, models de negoci i noves fonts de finan\u00e7ament que estan transformant el sistema financer. Formar-se en aquests \u00e0mbits no \u00e9s nom\u00e9s una aposta acad\u00e8mica, sin\u00f3 una decisi\u00f3 estrat\u00e8gica per anticipar tend\u00e8ncies i liderar la transformaci\u00f3 financera dels pr\u00f2xims anys.<\/span><\/p>\n

Descarregar l’informe<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

El 48% de les empreses espanyoles afirma haver tingut dificultats per accedir al cr\u00e8dit bancari en els darrers dotze mesos. A Catalunya, el percentatge \u00e9s id\u00e8ntic. Aquesta \u00e9s una de les principals conclusions del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu, presentat a la Borsa de Barcelona per l\u2019Institut d\u2019Estudis Financers (IEF) i ALTRIA. […]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[363],"tags":[],"class_list":["post-44213","post","type-post","status-publish","format-standard","hentry","category-noticies-ca"],"acf":[],"yoast_head":"\nEl 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu - IEF<\/title>\n<meta name=\"description\" content=\"Visita l'\u00faltima not\u00edcia sobre El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu. IEF, el centre dels professionals de les finances.\" \/>\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.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu - IEF\" \/>\n<meta property=\"og:description\" content=\"Visita l'\u00faltima not\u00edcia sobre El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu. IEF, el centre dels professionals de les finances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/\" \/>\n<meta property=\"og:site_name\" content=\"Instituto Estudios Financieros - L\u00edder en conocimiento financiero\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-27T12:15:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-27T13:16:26+00:00\" \/>\n<meta name=\"author\" content=\"Cintia Calvo\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Cintia Calvo\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/\",\"url\":\"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/\",\"name\":\"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu - IEF\",\"isPartOf\":{\"@id\":\"https:\/\/www.iefweb.org\/ca\/#website\"},\"datePublished\":\"2026-02-27T12:15:26+00:00\",\"dateModified\":\"2026-02-27T13:16:26+00:00\",\"author\":{\"@id\":\"https:\/\/www.iefweb.org\/ca\/#\/schema\/person\/5c39012685e88eafc588df6c35d20a8a\"},\"description\":\"Visita l'\u00faltima not\u00edcia sobre El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu. IEF, el centre dels professionals de les finances.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\/\/www.iefweb.org\/ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.iefweb.org\/ca\/#website\",\"url\":\"https:\/\/www.iefweb.org\/ca\/\",\"name\":\"Instituto Estudios Financieros - L\u00edder en conocimiento financiero\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.iefweb.org\/ca\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.iefweb.org\/ca\/#\/schema\/person\/5c39012685e88eafc588df6c35d20a8a\",\"name\":\"Cintia Calvo\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\/\/www.iefweb.org\/ca\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2f3cb74a91e3c13a2b4e1d1ae8b04c41970d4ad1aa783bc6ae6116332b17d76b?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2f3cb74a91e3c13a2b4e1d1ae8b04c41970d4ad1aa783bc6ae6116332b17d76b?s=96&d=mm&r=g\",\"caption\":\"Cintia Calvo\"},\"url\":\"https:\/\/www.iefweb.org\/ca\/author\/cintia\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu - IEF","description":"Visita l'\u00faltima not\u00edcia sobre El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu. IEF, el centre dels professionals de les finances.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/","og_locale":"ca_ES","og_type":"article","og_title":"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu - IEF","og_description":"Visita l'\u00faltima not\u00edcia sobre El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu. IEF, el centre dels professionals de les finances.","og_url":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/","og_site_name":"Instituto Estudios Financieros - L\u00edder en conocimiento financiero","article_published_time":"2026-02-27T12:15:26+00:00","article_modified_time":"2026-02-27T13:16:26+00:00","author":"Cintia Calvo","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"Cintia Calvo","Temps estimat de lectura":"3 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/","url":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/","name":"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu - IEF","isPartOf":{"@id":"https:\/\/www.iefweb.org\/ca\/#website"},"datePublished":"2026-02-27T12:15:26+00:00","dateModified":"2026-02-27T13:16:26+00:00","author":{"@id":"https:\/\/www.iefweb.org\/ca\/#\/schema\/person\/5c39012685e88eafc588df6c35d20a8a"},"description":"Visita l'\u00faltima not\u00edcia sobre El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu. IEF, el centre dels professionals de les finances.","breadcrumb":{"@id":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.iefweb.org\/ca\/vi-barometre-empresarial-de-fintech-i-financament-alternatiu\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.iefweb.org\/ca\/"},{"@type":"ListItem","position":2,"name":"El 48% de les empreses percep dificultats d\u2019acc\u00e9s al cr\u00e8dit: claus del VI Bar\u00f2metre Empresarial de Fintech i Finan\u00e7ament Alternatiu"}]},{"@type":"WebSite","@id":"https:\/\/www.iefweb.org\/ca\/#website","url":"https:\/\/www.iefweb.org\/ca\/","name":"Instituto Estudios Financieros - L\u00edder en conocimiento financiero","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.iefweb.org\/ca\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/www.iefweb.org\/ca\/#\/schema\/person\/5c39012685e88eafc588df6c35d20a8a","name":"Cintia Calvo","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.iefweb.org\/ca\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2f3cb74a91e3c13a2b4e1d1ae8b04c41970d4ad1aa783bc6ae6116332b17d76b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2f3cb74a91e3c13a2b4e1d1ae8b04c41970d4ad1aa783bc6ae6116332b17d76b?s=96&d=mm&r=g","caption":"Cintia Calvo"},"url":"https:\/\/www.iefweb.org\/ca\/author\/cintia\/"}]}},"_links":{"self":[{"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/posts\/44213","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/comments?post=44213"}],"version-history":[{"count":2,"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/posts\/44213\/revisions"}],"predecessor-version":[{"id":44227,"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/posts\/44213\/revisions\/44227"}],"wp:attachment":[{"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/media?parent=44213"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/categories?post=44213"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.iefweb.org\/ca\/wp-json\/wp\/v2\/tags?post=44213"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}