PMI https://azimutdirect.com/it it Incentivi imprese 2024: le novità di quest'anno per il supporto alle aziende https://azimutdirect.com/it/approfondimenti/incentivi-imprese-2024-le-novita-di-questanno-il-supporto-alle-aziende <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--approfondimenti.html.twig x field--node--title.html.twig * field--node--approfondimenti.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Incentivi imprese 2024: le novità di quest&#039;anno per il supporto alle aziende </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--approfondimenti.html.twig x field--node--uid.html.twig * field--node--approfondimenti.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/189" typeof="schema:Person" property="schema:name" datatype="">glomaestro</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--approfondimenti.html.twig x field--node--created.html.twig * field--node--approfondimenti.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mer, 02/28/2024 - 08:41</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--approfondimenti--field-data-news-eventi.html.twig * block--field-block--node--approfondimenti.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeapprofondimentifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--approfondimenti--default.html.twig * field--node--field-data-news-eventi--approfondimenti.html.twig * field--node--field-data-news-eventi.html.twig * field--node--approfondimenti.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 28.02.2024</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--approfondimenti--body.html.twig * block--field-block--node--approfondimenti.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeapprofondimentibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--approfondimenti--default.html.twig * field--node--body--approfondimenti.html.twig * field--node--body.html.twig * field--node--approfondimenti.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Abbiamo già approfondito nei nostri articoli più recenti quale sia <a href="https://azimutdirect.com/it/blog/finanza-alternativa/finanza-scenari-crescita-imprese-2023-2024">lo scenario in cui le imprese si trovano a muoversi in questi primi mesi del 2024</a>, così come abbiamo analizzato l’<a href="https://azimutdirect.com/it/blog/egm/report-egm-dati-al-31122023">andamento delle quotazioni sull’EGM</a> e il trend delle <a href="https://azimutdirect.com/it/blog/barometro/il-barometro-minibond-dati-al-31122023">emissioni di minibond</a>.  </p> <p>Per le imprese che puntano alla crescita quest’anno, quindi, <strong>quali saranno gli incentivi per ottenere finanziamenti finalizzati allo sviluppo e all’innovazione?</strong> Come si stanno muovendo istituzioni e player del mercato per garantire un sostegno concreto e sostenibile, soprattutto alle PMI? </p> <p>Condividiamo alcuni strumenti e informazioni utili nei prossimi paragrafi.  </p> <p>Per un maggiore dettaglio, i nostri Advisor sono a disposizione per entrare nel dettaglio di ogni incentivo. </p> <p> </p> <h2>Rimodulazione delle garanzie pubbliche </h2> <p>Le <strong>garanzie pubbliche</strong> sono quegli strumenti, messi a disposizione sia dal Governo che da istituzioni finanziarie pubbliche, progettati per facilitare l'accesso delle piccole e medie imprese al credito. Questo meccanismo è volto principalmente a ridurre il rischio per le banche e altri istituti finanziari quando concedono prestiti alle imprese. In sostanza, se un'impresa dovesse diventare insolvente, il garante si impegna a rimborsare il prestito, assumendosi così il rischio al posto dell'istituto finanziario. </p> <p>Si è molto parlato, negli ultimi mesi, del venir meno delle garanzie pubbliche ma questi incentivi, che sono stati così importanti nel 2023, rimarranno attivi anche nel 2024, sebbene ridotti e rimodulati: stiamo parlando, ad esempio, delle <strong>garanzie offerte da SACE</strong>. </p> <ul><li>Con il tema della <a href="https://azimutdirect.com/it/blog/fintech/il-cambiamento-delle-abitudini-di-investimento-una-nuova-finanza-le-nuove-generazioni">sostenibilità ambientale sempre più cruciale per investitori e consumatori</a>, ovviamente le agevolazioni legate all’impatto ambientale restano attive: confermata, infatti, SACE Green, per progetti di tutela ambientale e sfruttamento sostenibile delle risorse. Tra i dettagli della garanzia ci sono la copertura fino all'80% e l’importo finanziabile da un minimo di 50.000 a un massimo di 15.000.000 di euro. </li> <li>Novità 2024 è Garanzia Archimede, nuovo strumento di supporto, attivo fino al 31 dicembre 2029, che garantirà una copertura fino al 70% per investimenti in infrastrutture, filiere strategiche e transizione sostenibile. Il plafond è fissato a 60 miliardi di euro, per aziende Mid e Large. </li> <li>Nuova anche la Garanzia Futuro, finalizzata al sostegno finanziario per società di capitali con almeno tre anni di attività, includendo sia PMI che non PMI: prevederà finanziamenti a medio/lungo termine fino a 50 milioni di euro, per una durata da 2 a 20 anni, con garanzia fissa al 70%. </li> </ul><p> </p> <h2>Regime De Minimis e altre agevolazioni </h2> <p>Con l'entrata in vigore del nuovo Regolamento dell'Unione Europea (n. 2023/2831) dal 01 gennaio 2024 e fino 31 dicembre 2030, le imprese potranno trarre beneficio anche da un importante cambiamento nel regime cosiddetto “De Minimis”.  </p> <p>La Commissione Europea, infatti, <a href="https://ec.europa.eu/commission/presscorner/detail/en/ip_23_6567">ha deliberato</a> un innalzamento della soglia del plafond, consentendo alle imprese di ricevere <strong>fino a 300.000 euro</strong>, contro i 200.000 euro precedenti.  </p> <p>Tra gli altri incentivi alle imprese per il 2024, confermata la <strong>Nuova Sabatini</strong>, una misura di finanza agevolata per facilitare l’accesso al credito. Stanziati per quest’anno, ad ora, 100 milioni di euro, che potranno essere richiesti per l'acquisto di macchinari, attrezzature, impianti, beni strumentali a uso produttivo, hardware, software e tecnologie digitali, oltre che per gli investimenti in industria 4.0, in programmi che abbiano come obiettivo il miglioramento dell’ecosostenibilità di prodotti e processi produttivi. </p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--approfondimenti--field-tags.html.twig * block--field-block--node--approfondimenti.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeapprofondimentifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--approfondimenti--default.html.twig * field--node--field-tags--approfondimenti.html.twig x field--node--field-tags.html.twig * field--node--approfondimenti.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-hidden clearfix"> <ul class='links field__items'> <li><a href="/it/blog/finanza-alternativa">Finanza alternativa</a></li> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--approfondimenti--reading-time.html.twig * block--extra-field-block--node--approfondimenti.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeapprofondimentireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 3 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--approfondimenti--links.html.twig * block--extra-field-block--node--approfondimenti.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeapprofondimentilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Wed, 28 Feb 2024 08:41:42 +0000 glomaestro 491 at https://azimutdirect.com Analisi di merito creditizio: cos'è e come si effettua https://azimutdirect.com/it/blog/finanza-alternativa/analisi-di-merito-creditizio-cose-e-come-si-effettua-0 <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--analisi.html.twig x field--node--title.html.twig * field--node--analisi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Analisi di merito creditizio: cos&#039;è e come si effettua </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--analisi.html.twig x field--node--uid.html.twig * field--node--analisi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/187" typeof="schema:Person" property="schema:name" datatype="">lbramati</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--analisi.html.twig x field--node--created.html.twig * field--node--analisi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mar, 02/20/2024 - 18:01</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-data-news-eventi.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--analisi--default.html.twig * field--node--field-data-news-eventi--analisi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--analisi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 19.02.2024</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--body.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--analisi--default.html.twig * field--node--body--analisi.html.twig * field--node--body.html.twig * field--node--analisi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Ogni persona o entità che si affaccia sul mercato finanziario per investire in terze parti ha una propria visione del rischio e del punto fino al quale è disposto a sostenere questo rischio. I</p> <p><strong>L’analisi del merito creditizio è di fatto il tentativo di misurare, usando criteri omogenei e oggettivi, l’appetibilità di ogni singola azienda nei confronti dei finanziatori presenti sul mercato dei capitali. </strong></p> <p>L'obiettivo finale dell'analisi creditizia è, quindi, formulare una valutazione complessiva del rischio creditizio associato al concedere un prestito: questo processo aiuta le istituzioni finanziarie a prendere decisioni informate riguardo all'approvazione, al rifiuto o alla struttura di un finanziamento, contribuendo a mantenere un portafoglio creditizio equilibrato e gestibile, e a supportare le aziende in modo coerente e proporzionale alle proprie possibilità. </p> <p>Una delle tipologie più diffuse di merito di credito è rappresentato dal <strong><em>credit rating </em></strong>emesso dalle agenzie di rating, le quali utilizzano in larga parte una scala alfabetica che va da AAA (migliore) a C (peggiore). <br /> Dal punto di vista del credit rating, possiamo dividere il mercato finanziario in tre grandi livelli:</p> <ul><li><em>Investment grade</em>: convenzionalmente comprende i rating superiori a BBB, in genere ottenuti da aziende grandi.</li> <li><em>Sub-investment grade</em>: questo livello comprende tutto ciò che non è investment grade. </li> <li><em>High-yield</em>: anche chiamati “junk bond”, sono inclusi nelle classi di rating minori e caratterizzati da alto rischio. </li> </ul><p>La divisione tra sub-investment grade e high-yield è molto meno marcata e dipende unicamente dalle preferenze dei singoli investitori.<br /> Il costo dell’investimento è proporzionale rispetto al rischio. Un investimento high-yield ha un costo più alto di un sub-investment grade ed un sub-investment grade ha un costo più elevato rispetto ad un investment grade. </p> <p> </p> <h2>Come avviene l'analisi di merito creditizio?</h2> <p>L'analisi di merito creditizio coinvolge la valutazione di diversi fattori finanziari, tra cui:</p> <ul><li>Storia creditizia, attraverso la misurazione dei valori finanziari storici e prospettici di un’azienda. Il rating fondamentalmente combina i dati storici con alcune serie statistiche prospettiche per dare un’indicazione di probabilità del fallimento di un'iniziativa. Più alto è il rating, minore sarà la probabilità di default e viceversa;</li> <li>Capacità di rimborso, viene valutata la capacità finanziaria del debitore di coprire i pagamenti del prestito, analizzando fattori come reddito, flussi di cassa e margini di profitto;</li> <li>Garanzie e collaterali, cioè la presenza di garanzie o beni che possono essere utilizzati come collaterali per il prestito, riducendo il rischio per il creditore;</li> <li>Condizioni economiche e settoriali, tenendo conto delle condizioni economiche generali e del settore in cui opera il debitore, in quanto possono influenzare la capacità di rimborso;</li> <li>Gestione finanziaria complessiva dell'ente debitore, compresi indicatori di solvibilità e liquidità.</li> </ul><p>In Azimut Direct, i nostri analisti sono in grado di realizzare analisi creditizie preliminari con un alto grado di attenzione e completezza in tempi rapidi, grazie alle competenze ma anche all’uso di tecnologie proprietarie che consentono di sfruttare dati integrati, velocizzando i processi. </p> <p> </p> <h3>Analisi creditizia e ESG</h3> <p>Nel corso dell’ultimo decennio si è diffusa una seconda forma di analisi integrata, che mira ad includere fattori “soft”, slegati da una mera analisi finanziaria statistica. Tra queste tipologie di analisi, sempre più importanza è assunta dalle analisi ESG, che vanno a misurare la performance di un’azienda sotto i punti di vista ambientale, sociale e di governance.</p> <p>L’acronimo <a href="https://azimutdirect.com/it/blog/green-finance/investimenti-esg-cosa-sono-come-funzionano">ESG</a> viene utilizzato in ambito economico per indicare tutte quelle attività legate all’investimento responsabile che, oltre a perseguire gli obiettivi tipici della gestione finanziaria, tengono in considerazione gli aspetti di natura ambientale, sociale e di governance (in inglese, Environmental, Social &amp; Governance – ESG).</p> <ul><li>Il fattore Environmental, forse quello verso il quale è rivolta più attenzione, esprime un giudizio in merito alla politica aziendale in ambiti quali l’efficientamento energetico, la riduzione delle emissioni e il riciclo e il riuso delle materie di scarto.</li> <li>Il fattore Social valuta la politica aziendale sotto nell’ottica di miglioramento della “DI” (acronimo per <em>diversity and inclusion</em>) del posto di lavoro. Un buon score Social si ottiene con l’eliminazione di discriminazioni, il rispetto dei diritti umani e una sensibile attenzione ai temi sociali in tutta la supply chain aziendale.</li> <li>Il terzo fattore è la Governance, che valuta la capacità di un’azienda di dotarsi di una struttura organizzativa competente, attenta ad aspetti etici e dotata di strumenti di misurazione del rischio tali da garantire continuità aziendale nel pieno rispetto di tematiche Environmental e Social.</li> </ul><p> </p> <h2>Il punto di vista Azimut Direct</h2> <p>Un merito di credito positivo offre alle PMI una serie di vantaggi finanziari e operativi che sono fondamentali per la propria crescita, stabilità e sostenibilità sul lungo periodo.</p> <p>L'analisi creditizia è sì uno strumento potente per misurare l’appetibilità di una azienda nei confronti dei finanziatori, ma non deve essere l’unico fattore discriminante nelle scelte di investimento. A causa di fattori quali il consolidamento bancario e la regolamentazione più stringente con Basilea III, gli operatori tradizionali hanno di fatto ridotto l’ammontare di capitali convogliati verso quelle imprese di dimensioni minori, che spesso presentano rating di classi inferiori.</p> <p> </p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-link-news-eventi-01.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-link-news-eventi-01"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-link-news-eventi-01--analisi--default.html.twig * field--node--field-link-news-eventi-01--analisi.html.twig * field--node--field-link-news-eventi-01.html.twig * field--node--analisi.html.twig x field--field-link-news-eventi-01.html.twig * field--link.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-link-news-eventi-01.html.twig' --> <span><i class="fas fa-arrow-down"></i> <a href="https://azimutdirect.com/sites/default/files/20221129_Merito_Credito.pdf">Scarica il pdf</a></span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-link-news-eventi-01.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE 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class='links field__items'> <li><a href="/it/blog/finanza-alternativa">Finanza alternativa</a></li> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--reading-time.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeanalisireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 4 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--links.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeanalisilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Tue, 20 Feb 2024 18:01:07 +0000 lbramati 489 at https://azimutdirect.com Fintech e Intelligenza Artificiale, un supporto reale per le imprese https://azimutdirect.com/it/blog/fintech/fintech-e-intelligenza-artificiale-un-supporto-reale-le-imprese <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--analisi.html.twig x field--node--title.html.twig * field--node--analisi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Fintech e Intelligenza Artificiale, un supporto reale per le imprese</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--analisi.html.twig x field--node--uid.html.twig * field--node--analisi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/189" typeof="schema:Person" property="schema:name" datatype="">glomaestro</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--analisi.html.twig x field--node--created.html.twig * field--node--analisi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Ven, 11/17/2023 - 13:42</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-data-news-eventi.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--analisi--default.html.twig * field--node--field-data-news-eventi--analisi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--analisi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 17.11.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--body.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--analisi--default.html.twig * field--node--body--analisi.html.twig * field--node--body.html.twig * field--node--analisi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">La <b>tecnologia</b> e l'<b>intelligenza artificiale</b> stanno diventando sempre più rilevanti nell'ambito dei servizi finanziari: questo si riflette in varie applicazioni, come l'analisi degli investimenti, l'accesso ai mercati e la gestione degli asset.</span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Si potrebbe dire, quindi, che l’approccio </span><a href="https://azimut.it/blog/articolo/fintech" style="color:#0563c1; text-decoration:underline"><span style="font-family:&quot;Arial&quot;,sans-serif">Fintech</span></a><span style="font-family:&quot;Arial&quot;,sans-serif"> e l'uso dell'AI stiano rivoluzionando il modo in cui i professionisti finanziari possono analizzare e valutare un gran numero di imprese in modo più approfondito, riducendo i costi e accelerando i tempi. </span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Pensando all'abbondanza di dati disponibili, come i big data relativi a bilanci aziendali e analisi di merito creditizio, è facile comprendere quanto pratica possa rilevarsi la tecnologia per elaborare efficacemente e rapidamente un’enorme mole di informazioni.</span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">La gestione di operazioni complesse, però, richiede la presenza di un <b>professionista esperto</b>, che possa garantire fiducia, integrità e competenza, assumendosi la responsabilità delle scelte e dei consigli verso i clienti, sia retail sia B2B.</span></span></span></span></p> <p style="margin-bottom:11px"> </p> <h2 style="margin-top:3px"><span style="font-size:13pt"><span style="line-height:107%"><span style="font-family:&quot;Calibri Light&quot;,sans-serif"><span style="color:#2f5496"><span style="font-weight:normal"><span style="font-family:&quot;Arial&quot;,sans-serif">Dall’analisi dei dati alla responsabilità decisionale: il ruolo dell’operatore finanziario</span></span></span></span></span></span></h2> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Se è vero che, oggi, la tecnologia consente di effettuare una <b>pre-analisi su enormi dataset</b>, è importante che il gestore “fisico” delle operazioni rimanga il professionista “umano”, responsabile di giungere a una sintesi e suggerire le decisioni di investimento.</span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Le stesse riflessioni sono all’ordine del giorno anche nel mondo medico o in quello giudiziario: sono molti gli esempi recenti di tecnologie basate sul machine learning capaci, ad esempio, di velocizzare l’analisi di dati provenienti da cartelle cliniche ospedaliere oppure da sentenze di tribunale. Questo è fortemente utile nell’efficientare i processi ma resta fermo il fatto che saranno poi i dottori a formulare diagnosi e stabilire terapie, così come saranno i giudici ad avere l’ultima parola sulla sentenza. </span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Bene, quindi, <b>sfruttare </b></span><a href="https://azimutdirect.com/it/blog/fintech/cose-il-fintech-vantaggi-servizi-che-offre-e-la-situazione-italia" style="color:#0563c1; text-decoration:underline"><b><span style="font-family:&quot;Arial&quot;,sans-serif">le potenzialità del tech e del fintech</span></b></a><b><span style="font-family:&quot;Arial&quot;,sans-serif"> per rendere i processi più efficienti, ma senza mai delegare alla macchina scelte e competenze</span></b><span style="font-family:&quot;Arial&quot;,sans-serif">.</span></span></span></span></p> <p style="margin-bottom:11px"> </p> <h2 style="margin-top:3px"><span style="font-size:13pt"><span style="line-height:107%"><span style="font-family:&quot;Calibri Light&quot;,sans-serif"><span style="color:#2f5496"><span style="font-weight:normal"><span style="font-family:&quot;Arial&quot;,sans-serif">Vantaggi dell’AI nel settore finance</span></span></span></span></span></span></h2> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">L'uso dell'intelligenza artificiale nelle attività finanziarie per le imprese può offrire una serie di vantaggi significativi in termini di costi, tempi ed effort delle risorse impiegate.</span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Ecco alcuni esempi:</span></span></span></span></p> <ul><li style="margin-left:8px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">l'<b>automazione</b>, cioè la possibilità di automatizzare compiti ripetitivi e noiosi, consentendo ai professionisti finanziari di concentrarsi su attività di valore superiore, strategico. Ciò include la gestione della documentazione e l'elaborazione dei dati, riducendo anche il rischio di errori umani;</span></span></span></span></li> <li style="margin-left:8px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">l'<b>analisi avanzata dei dati</b>, per identificare pattern e modelli nascosti che potrebbero sfuggire all’occhio umano, arrivando fino alla predittività, ossia la capacità di prevedere andamenti di mercato e performance aziendali future; </span></span></span></span></li> <li style="margin-left:8px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">la <b>gestione del rischio</b>, perché grazie all’AI è possibile collezionare e analizzare informazioni relative al rischio finanziario, identificando potenziali minacce e fornendo suggerimenti per mitigare il pericolo di perdite;</span></span></span></span></li> <li style="margin-left:8px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">l'<b>efficientamento dei costi</b>, poiché tramite l'automazione e l'analisi avanzata si possono ridurre i costi operativi, contribuendo a migliorare la redditività complessiva;</span></span></span></span></li> <li style="margin-left:8px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">la <b>velocità nell'elaborazione delle informazioni</b>, come già accennato, è ovviamente molto più elevata utilizzando modelli basati su AI rispetto a quanto potrebbe fare un operatore;</span></span></span></span></li> <li style="margin-bottom:11px; margin-left:8px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">infine, <b>la compliance e la sicurezza</b>, dato che l’uso della tecnologia può aiutare a garantire la conformità normativa e la sicurezza dei dati finanziari. </span></span></span></span></li> </ul><p style="margin-bottom:11px"> </p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Per sintetizzare, la tecnologia e l'AI saranno sempre più importanti nell'evoluzione dei servizi finanziari, ma dovrebbero essere applicate in modo regolamentato e controllato.</span></span></span></span></p> <p style="margin-bottom:11px"><span style="font-size:11pt"><span style="line-height:107%"><span style="font-family:Calibri,sans-serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Questo <a href="https://www.linkedin.com/pulse/tecnologia-e-ia-come-ponte-verso-leconomia-reale-andrea-crovetto/">equilibrio tra tecnologia e supervisione umana</a> è fondamentale per garantire un supporto professionale nelle decisioni di investimento private e aziendali, contribuendo a costruire un ponte tra il risparmio nazionale e l'economia reale, in particolare a beneficio delle piccole e medie imprese, che sono un vero motore di crescita per il Paese.</span></span></span></span></p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-tags.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--analisi--default.html.twig * field--node--field-tags--analisi.html.twig x field--node--field-tags.html.twig * field--node--analisi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-hidden clearfix"> <ul class='links field__items'> <li><a href="/it/blog/fintech">Fintech</a></li> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--reading-time.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeanalisireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 3 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--links.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeanalisilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Fri, 17 Nov 2023 13:42:11 +0000 glomaestro 464 at https://azimutdirect.com Scenari e crescita del settore IT: l’analisi di Azimut Direct https://azimutdirect.com/it/blog/pmi/scenari-e-crescita-del-settore-it-lanalisi-di-azimut-direct <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--analisi.html.twig x field--node--title.html.twig * field--node--analisi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Scenari e crescita del settore IT: l’analisi di Azimut Direct </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--analisi.html.twig x field--node--uid.html.twig * field--node--analisi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/189" typeof="schema:Person" property="schema:name" datatype="">glomaestro</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--analisi.html.twig x field--node--created.html.twig * field--node--analisi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Ven, 11/10/2023 - 13:45</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-data-news-eventi.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--analisi--default.html.twig * field--node--field-data-news-eventi--analisi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--analisi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 10.11.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--body.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--analisi--default.html.twig * field--node--body--analisi.html.twig * field--node--body.html.twig * field--node--analisi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{188}" paraid="768218629" xml:lang="IT-IT" xml:lang="IT-IT">Il progresso tecnologico e le relative scoperte scientifiche nel campo dell’<em>Information Technology </em>hanno determinato una profonda trasformazione nel mondo del lavoro di oggi. Le aziende del settore lavorano parallelamente e in collaborazione tra di loro con lo scopo di contribuire all’innovazione tecnologica di tutto il tessuto industriale italiano. </p> <p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{197}" paraid="1376473204" xml:lang="IT-IT" xml:lang="IT-IT">Il progetto è quello di migliorare l’infrastruttura informatica rendendola più competitiva, flessibile e sicura, ottenendo flussi di lavoro più efficienti ed evitando rallentamenti. Le società che abbracciano la Digital Transformation beneficiano di vantaggi significativi in termini di efficienza aziendale, aumento dei profitti e godono di una maggiore innovazione nei processi produttivi. Di riflesso, si assiste ad un miglioramento della customer experience. </p> <p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{206}" paraid="2140836932" xml:lang="IT-IT" xml:lang="IT-IT"><strong>Ma come si sta muovendo il settore dell’Information Technology in Italia e, in particolare, quanto stanno crescendo sul mercato le società IT?</strong> Il documento di analisi redatto da Azimut Direct nasce con lo scopo di rispondere a queste domande, fornendo un quadro di riferimento sul settore IT in Italia, con un particolare focus sulle società quotate.  </p> <p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{215}" paraid="868813237" xml:lang="IT-IT" xml:lang="IT-IT"> </p> <h2 aria-level="2" lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{224}" paraid="1412035678" role="heading" xml:lang="IT-IT" xml:lang="IT-IT">Il settore IT e le quattro aree di attività </h2> <p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{237}" paraid="1785472352" xml:lang="IT-IT" xml:lang="IT-IT">Con il termine Information Technology si fa riferimento ai metodi e alle tecnologie necessarie per l’uso di qualsiasi sistema di infrastrutture, dispositivi fisici e processi per scambiare dati elettronici. </p> <p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{246}" paraid="998652716" xml:lang="IT-IT" xml:lang="IT-IT">All’interno dell’analisi Azimut Direct, il settore IT è stato categorizzato in quattro aree di attività: </p> <ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="7" role="listitem"> <p lang="IT-IT" paraeid="{80bba696-c530-4307-85d5-5bb3e7ff1a03}{255}" paraid="1657351172" xml:lang="IT-IT" xml:lang="IT-IT"><strong><em>cybersecurity</em>, </strong>con il termine Cybersecurity si intende l’insieme di strumenti, principi e processi che hanno come obiettivo la protezione delle risorse informatiche. </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="7" role="listitem"> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{21}" paraid="1519267287" xml:lang="IT-IT" xml:lang="IT-IT"><em><strong>intelligenza artificiale</strong></em>, l’IA è una branca dell’informatica che consente ai sistemi informatici di mettersi in relazione con l’ambiente per risolvere problemi attraverso un meccanismo di machine learning, adattando il proprio comportamento sulla base degli effetti delle azioni precedenti. </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="3" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="7" role="listitem"> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{46}" paraid="765187904" xml:lang="IT-IT" xml:lang="IT-IT"><em><strong>applicativi verticali</strong>,</em> particolare tipologia di software che si focalizza su un’esigenza specifica o verso un ambito di applicazione in cui tendono ad imporsi determinati standard di utilizzo. </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="7" role="listitem"> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{71}" paraid="1760371802" xml:lang="IT-IT" xml:lang="IT-IT"><em><strong>system integrator</strong>,</em> con il termine <em>System Integrator</em> viene indicata un’impresa che si occupa dell’integrazione di sistemi, ossia di unire e far dialogare tra loro impianti diversi allo scopo di creare un’infrastruttura ICT performante. </p> </li> </ul><p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{96}" paraid="65449579" xml:lang="IT-IT" xml:lang="IT-IT">Tutte le aree dell’informatica lavorano in sinergia. Le imprese specializzate in un’area impiegano servizi provenienti da un’altra area con l’obiettivo finale di andare a migliorare l’operosità̀ ed il dinamismo del proprio prodotto. Ad esempio, i sistemi per la cybersecurity sono sempre più̀ spesso basati su algoritmi di intelligenza artificiale e machine learning per l’individuazione automatica delle minacce.  </p> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{108}" paraid="577172423" xml:lang="IT-IT" xml:lang="IT-IT"> </p> <h2 aria-level="2" lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{117}" paraid="1505751361" role="heading" xml:lang="IT-IT" xml:lang="IT-IT">La digitalizzazione delle PMI italiane: dati di scenario </h2> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{130}" paraid="6415751" xml:lang="IT-IT" xml:lang="IT-IT">Nell’ambito della digitalizzazione del sistema economico, l'Italia mostra un importante gap rispetto agli altri Paesi europei. Secondo l'<a href="https://digital-strategy.ec.europa.eu/it/policies/desi" rel="noreferrer noopener" target="_blank">indice DESI</a> (Digital Economy and Society Index) della Commissione Europea, che misura la performance dei paesi EU in ambito digitale, nel 2022 l'Italia si colloca al diciottesimo posto fra i 27 Stati membri, con un punteggio al di sotto della media europea. </p> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{139}" paraid="1482535643" xml:lang="IT-IT" xml:lang="IT-IT">Negli ultimi anni, però, si è registrato un trend di crescita degli investimenti a supporto del processo di digitalizzazione del sistema economico italiano, tra cui gli oltre EUR 40Mld previsti dal PNRR (Piano Nazionale di Ripresa e Resilienza). </p> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{148}" paraid="1096805429" xml:lang="IT-IT" xml:lang="IT-IT"><strong>Se, da un lato, il minor livello di digitalizzazione in Italia può essere visto come un elemento di debolezza del nostro sistema economico, dall’altro può condurre a maggiori opportunità di investimento. </strong></p> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{157}" paraid="291604715" xml:lang="IT-IT" xml:lang="IT-IT"> </p> <h3 aria-level="2" lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{166}" paraid="1150889397" role="heading" xml:lang="IT-IT" xml:lang="IT-IT">L’analisi dei dati economico-finanziari </h3> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{179}" paraid="2122598014" xml:lang="IT-IT" xml:lang="IT-IT">Il documento di analisi redatto da Azimut Direct si concentra su un Panel composto da 22 small e mid-cap italiane, quotate su Borsa Italiana e che svolgono attività legate al settore IT. </p> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{188}" paraid="397303930" xml:lang="IT-IT" xml:lang="IT-IT">L’obiettivo dell’analisi è quello di verificare quali sono le principali variabili che influenzano la valorizzazione di mercato (in termini di multiplo EV/EBITDA) delle società del Panel.  </p> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{197}" paraid="1299116392" xml:lang="IT-IT" xml:lang="IT-IT">Di seguito le principali evidenze - spiegate in maniera più estesa nel documento completo - che emergono: </p> <ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="5" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="11" role="listitem"> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{206}" paraid="1029676436" xml:lang="IT-IT" xml:lang="IT-IT"><em>non c’è relazione tra EBITDA margin attuale e valorizzazione di mercato</em>;</p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="6" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="11" role="listitem"> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{227}" paraid="1163487192" xml:lang="IT-IT" xml:lang="IT-IT"><em>non c’è relazione tra dimensione della società</em> e<em> valorizzazione di mercato;</em></p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="7" data-font="Wingdings" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Wingdings&quot;,&quot;469769242&quot;:[9642],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="11" role="listitem"> <p lang="IT-IT" paraeid="{11d1ee3f-e58c-45ee-896f-f7ba998de7c3}{252}" paraid="1568004505" xml:lang="IT-IT" xml:lang="IT-IT">c’è una r<em>elazione positiva tra le aspettative di crescita dell’EBITDA nel periodo FY22 – FY25 e la valorizzazione di mercato</em>. </p> </li> </ul><p lang="IT-IT" paraeid="{5b317f87-7f1e-4118-ba2a-7c5b944425fa}{22}" paraid="1420356837" xml:lang="IT-IT" xml:lang="IT-IT">Queste conclusioni sono coerenti con le caratteristiche del settore IT. A differenza di settori <em>capital intensive</em> (come, ad esempio, il settore manifatturiero), dove la dimensione della società e l'efficienza del processo produttivo sono aspetti fondamentali, all’interno del settore IT sono fondamentali la capacità di innovazione e il grado di personalizzazione del prodotto/servizio offerto, aspetti che possono essere offerti anche da società di dimensioni ridotte. </p> <p lang="IT-IT" paraeid="{5b317f87-7f1e-4118-ba2a-7c5b944425fa}{34}" paraid="2061735309" xml:lang="IT-IT" xml:lang="IT-IT">Per approfondire tutti i dettagli, <strong>potete richiederci l’analisi completa </strong>all’indirizzo <a href="mailto:marketing@azimudirect.com" rel="noreferrer noopener" target="_blank">marketing@azimutdirect.com</a>.  </p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-tags.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--analisi--default.html.twig * field--node--field-tags--analisi.html.twig x field--node--field-tags.html.twig * field--node--analisi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-hidden clearfix"> <ul class='links field__items'> <li><a href="/it/blog/pmi">PMI</a></li> <li><a href="/it/blog/EGM">EGM</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--reading-time.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeanalisireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 4 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--links.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeanalisilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Fri, 10 Nov 2023 13:45:02 +0000 glomaestro 463 at https://azimutdirect.com Garanzia SACE SupportItalia: come funziona e quando scade https://azimutdirect.com/it/blog/pmi/garanzia-sace-supportitalia-come-funziona-e-quando-scade <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--news-eventi.html.twig x field--node--title.html.twig * field--node--news-eventi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Garanzia SACE SupportItalia: come funziona e quando scade </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--news-eventi.html.twig x field--node--uid.html.twig * field--node--news-eventi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/189" typeof="schema:Person" property="schema:name" datatype="">glomaestro</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--news-eventi.html.twig x field--node--created.html.twig * field--node--news-eventi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Ven, 10/13/2023 - 11:59</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'card_image_overlay' --> <!-- FILE NAME SUGGESTIONS: x card-image-overlay.html.twig x card-image-overlay.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/layouts/card-image-overlay.html.twig' --> <div class="card"> <div> </div> <div class="card-img-overlay"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-image.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-image"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-image--news-eventi--default.html.twig * field--node--field-image--news-eventi.html.twig * field--node--field-image.html.twig * field--node--news-eventi.html.twig * field--field-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-image field--type-image field--label-hidden field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <img src="/sites/default/files/2023-10/garanzia_sace_scadenza.jpg" width="3295" height="2221" alt="garanzia_sace_scadenza" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/layouts/card-image-overlay.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-data-news-eventi.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--news-eventi--default.html.twig * field--node--field-data-news-eventi--news-eventi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--news-eventi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 13.10.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <h2>h</h2> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--body.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--news-eventi--default.html.twig * field--node--body--news-eventi.html.twig * field--node--body.html.twig * field--node--news-eventi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{50}" paraid="2107490452">Nel panorama economico nazionale del 2023, l'incertezza legata alla crisi russo-ucraina ha posto le imprese di fronte a sfide significative dal punto di vista dei costi e dell’approvvigionamento: ecco perché, nell’ambito del <em>“Quadro Temporaneo di sostegno del sistema economico europeo – Temporary Crisis Framework (TCF)” </em>è stata attivata la <strong>Garanzia SupportItalia, uno strumento straordinario previsto dal DL Aiuti (DL n. 50/2022) e attuato da SACE per offrire supporto alle PMI italiane</strong> colpite dalla crisi bellica e dai rincari energetici, che possono così accedere a nuova liquidità tramite il sistema bancario con il supporto dello Stato. </p> <p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{98}" paraid="453858915">Fondamentale, però, ricordare la scadenza dell’agevolazione: questa opportunità rimarrà <strong>disponibile fino al 31 dicembre 2023</strong>; al momento, l'Unione Europea non prevede ulteriori estensioni. </p> <p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{108}" paraid="498939684"> </p> <h2 aria-level="2" paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{112}" paraid="1606374641" role="heading">Come funziona la Garanzia SACE: uno “scudo” perfetto per le imprese </h2> <p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{128}" paraid="1534155780">La Garanzia SupportItalia rappresenta, per le imprese italiane, l’opportunità di accedere a finanziamenti con la garanzia di SACE e il sostegno dello Stato. La Garanzia è stata progettata per aiutare le aziende a soddisfare le proprie esigenze di liquidità e assicurare, così, la continuità delle proprie operazioni.  </p> <p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{180}" paraid="345173705">Ciò che rende la Garanzia SupportItalia particolarmente utile è il <strong>coinvolgimento dello Stato come garante</strong>: un "terzo attore" autorevole, che offre un ulteriore livello di sicurezza per mitigare il rischio di credito, consentendo alle società di ottenere fondi con un utilizzo limitato di garanzie aziendali, come ad esempio ipoteche e pegni, e riducendo al contempo l'impegno diretto degli imprenditori tramite fidejussioni. </p> <p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{226}" paraid="155206096">Lo Stato come garante viene visto come uno “scudo” per mitigare il rischio di credito e ha consentito alle aziende italiane l’accesso a finanziamenti a tassi di interesse più bassi, con il principale effetto di sostenere gli investimenti in periodi di turbolenza macroeconomica.  </p> <p paraeid="{7caf8abc-e4c4-4986-8619-3c6b53cbab26}{250}" paraid="2080518719">Un’analisi condotta da Azimut Direct (grafico sottostante) ha stimato in <strong>oltre EUR 340Mld </strong>l’ammontare dei finanziamenti emessi con garanzia statale alla fine del primo semestre 2023. <img 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 2x" unselectable="on" /> </p> <h6 paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{26}" paraid="167879694">Fonte: SACE, Fondo di Garanzia </h6> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{34}" paraid="131706029"> </p> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{34}" paraid="131706029">Tale numero, che include sia la <a href="https://azimutdirect.com/it/blog/pmi/come-funziona-la-garanzia-supportitalia" rel="noreferrer noopener" target="_blank">garanzia SupportItalia</a> che le altre garanzie statali emesse a seguito della crisi Covid-19, è molto consistente e <strong>pari quasi al 20% del PIL italiano</strong>. </p> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{55}" paraid="1340128377"> </p> <h2 aria-level="2" paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{59}" paraid="1497853233" role="heading">Garanzia SACE per le PMI: prospettive per il futuro </h2> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{65}" paraid="523470360">Per il 2024, le prospettive di concessione di credito rimangono incerte e sorgono domande cruciali: </p> <ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{71}" paraid="390826299">In merito alle tempistiche per l'istruttoria, quanto saranno lunghi i tempi di approvazione? </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{80}" paraid="7443895">Come sarà gestito l’appetito di credito e quanto le banche saranno disposte ad ampliare le linee di credito? </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="3" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{87}" paraid="687232059">Come saranno influenzati i costi dai maggiori assorbimenti di capitale? </p> </li> </ul><p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{96}" paraid="1537868911">Indubbiamente, la fine delle garanzie pubbliche e l’imminente scadenza del 31 dicembre apre un nuovo scenario di incertezza, con un aumento del rischio di <em>stagflazione</em>, ossia una combinazione di stagnazione economica e inflazione elevata, che si traduce in costi finanziari maggiori e crescita negativa. </p> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{118}" paraid="388516375">Le banche saranno, quindi, chiamate ad aggiornare le disponibilità di capitale per sostenere gli impieghi e a definire nuove forme di garanzia, sia aziendali che personali. </p> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{162}" paraid="184805661"> </p> <h3 aria-level="3" paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{166}" paraid="1835369997" role="heading">Garanzia in forma revolving: cosa si intende per RCF </h3> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{180}" paraid="696756770">Nel TCF è prevista anche la possibilità di erogare finanziamenti oltre il termine previsto e in forma revolving. Con <strong>RCF</strong> (acronimo di <em>Revolving Credit Facility</em>) ci si riferisce a uno strumento finanziario, garantibile SACE, che si caratterizza per la grande flessibilità e che, per sua natura, si rivela adatto all’obiettivo di sostegno del capitale circolante.  </p> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{212}" paraid="678810058">In Azimut Direct abbiamo ribattezzato questa forma "Linea Denaro Flessibile", perché si tratta di <strong>una tipologia di finanziamento aziendale che offre molta libertà d'uso</strong>. Infatti, le aziende possono decidere quanto denaro prelevare, per quanto tempo, e quando restituirlo, per affrontare spese impreviste o sfruttare opportunità inaspettate. </p> <p paraeid="{a4e6551b-f3f3-4df0-8c9c-007e5ef6e3a7}{248}" paraid="512694702">Se la linea di credito non viene utilizzata completamente, c'è una piccola commissione di mancato utilizzo da corrispondere, solitamente di molto inferiore rispetto ai costi finanziari associati all'utilizzo completo. In pratica, è come avere un "libretto degli assegni" sempre a disposizione e pronto per l'uso, contribuendo anche a risparmiare sui costi finanziari, quando necessario. </p> <p paraeid="{44b9c45e-8f03-4b91-b668-fa39061ce8d7}{7}" paraid="1590621959">In sintesi, <strong>le aziende dovrebbero esplorare queste opportunità per affrontare al meglio le sfide finanziarie di questo ultimo trimestre 2023</strong>, e prepararsi alle incognite che il futuro potrebbe riservare nel 2024. </p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--flippy-pager.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventiflippy-pager"> <div class="content"> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--links.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--flippy-pager.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventiflippy-pager"> <div class="content"> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--links.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-tags.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--news-eventi--default.html.twig * field--node--field-tags--news-eventi.html.twig x field--node--field-tags.html.twig * field--node--news-eventi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-above clearfix"> <h3 class="field__label">Etichette</h3> <ul class='links field__items'> <li><a href="/it/blog/pmi">PMI</a></li> <li><a href="/it/blog/finanza-alternativa">Finanza alternativa</a></li> <li><a href="/it/blog/educazione-finanziaria">Educazione Finanziaria</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--reading-time.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 4 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-image.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-image"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-image--news-eventi--default.html.twig * field--node--field-image--news-eventi.html.twig * field--node--field-image.html.twig * field--node--news-eventi.html.twig * field--field-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-image field--type-image field--label-above"> <div class="field__label">Immagine news</div> <div class='field__items'> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <img src="/sites/default/files/2023-10/garanzia_sace_scadenza.jpg" width="3295" height="2221" alt="garanzia_sace_scadenza" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Fri, 13 Oct 2023 11:59:54 +0000 glomaestro 460 at https://azimutdirect.com Azimut Direct per RossoGargano: 6 milioni di euro per supportare la crescita del Made in Italy https://azimutdirect.com/it/blog/mondo-azimut-direct/azimut-direct-rossogargano-6-milioni-di-euro-supportare-la-crescita-del <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--news-eventi.html.twig x field--node--title.html.twig * field--node--news-eventi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Azimut Direct per RossoGargano: 6 milioni di euro per supportare la crescita del Made in Italy </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--news-eventi.html.twig x field--node--uid.html.twig * field--node--news-eventi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/189" typeof="schema:Person" property="schema:name" datatype="">glomaestro</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--news-eventi.html.twig x field--node--created.html.twig * field--node--news-eventi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Ven, 10/13/2023 - 08:04</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'card_image_overlay' --> <!-- FILE NAME SUGGESTIONS: x card-image-overlay.html.twig x card-image-overlay.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/layouts/card-image-overlay.html.twig' --> <div class="card"> <div> </div> <div class="card-img-overlay"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-image.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-image"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-image--news-eventi--default.html.twig * field--node--field-image--news-eventi.html.twig * field--node--field-image.html.twig * field--node--news-eventi.html.twig * field--field-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-image field--type-image field--label-hidden field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <img src="/sites/default/files/2023-10/rossogargano_cs_0.jpg" width="3116" height="1752" alt="rossogargano_cs" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/layouts/card-image-overlay.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-data-news-eventi.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--news-eventi--default.html.twig * field--node--field-data-news-eventi--news-eventi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--news-eventi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 12.10.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <h2>h</h2> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--body.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--news-eventi--default.html.twig * field--node--body--news-eventi.html.twig * field--node--body.html.twig * field--node--news-eventi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p class="paragraph" style="text-align:justify"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><b><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">RossoGargano</span></span></b><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">, storica azienda pugliese di produzione e trasformazione agro-alimentare, ha ottenuto un finanziamento diretto di 6 milioni di euro grazie ad <b>Azimut Direct</b>, fintech del gruppo Azimut specializzata in soluzioni di finanza alternativa per la raccolta di capitali in ottica di supporto alla crescita reale </span></span><span style="font-family:&quot;Arial&quot;,sans-serif">delle imprese. L’operazione ha beneficiato della Garanzia SupportItalia SACE.</span> </span></span></span></p> <p class="paragraph" style="text-align:justify"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-family:&quot;Arial&quot;,sans-serif">Il finanziamento, sottoscritto da un investitore istituzionale ed erogato in 3 tranche da 2 milioni di euro cadauna, si è composto di un format misto tra <i>term loan</i> ed RCF (<i>Revolving Credit Facility</i>): uno strumento finanziario, quest’ultimo, che si caratterizza per la grande flessibilità, anch’esso parte delle soluzioni garantibili con Supportitalia e, per sua natura, adatto all’obiettivo di sostegno del capitale circolante.</span> </span></span></span></p> <p class="paragraph" style="text-align:justify"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-family:&quot;Arial&quot;,sans-serif">L’operazione finanziaria andrà, infatti, <b>a potenziamento del capitale circolante</b>, in particolare per quanto riguarda la gestione dei fornitori, con un focus sul supporto alla campagna estiva di raccolta e alla fase autunnale di trasformazione del prodotto da parte dell’azienda.</span> </span></span></span></p> <p class="paragraph" style="text-align:justify"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">RossoGargano è un marchio che racchiude la tradizione del pomodoro in Puglia: dalla coltivazione sul territorio fino alla raccolta e alla trasformazione direttamente in loco, negli stabilimenti della società tra le campagne del foggiano, con garanzia di tracciabilità della materia prima. </span></span> </span></span></span></p> <p class="paragraph" style="text-align:justify"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><i><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">“La collaborazione con Azimut ci ha consentito di reperire il supporto finanziario necessario a sostenere la fase produttiva 2023 che, rispetto al 2022, prevede un aumento della quantità di materia prima trasformata di circa il 20%. Questo ci consentirà di soddisfare le sempre crescenti richieste dei nostri clienti” </span></span></i><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">commenta <b>il Dott. Domenico Demaio, Presidente<i> </i>di RossoGargano. </b></span></span> </span></span></span></p> <p class="paragraph" style="text-align:justify"><span style="font-size:12pt"><span style="vertical-align:baseline"><span style="font-family:&quot;Times New Roman&quot;,serif"><i><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black">“L’operazione conferma come Azimut sia focalizzata sull’economia reale, supportando la crescita di realtà dinamiche e innovative e, al contempo, radicate sul territorio, come Rosso Gargano, eccellenza italiana dell’agro-alimentare. Il forte coordinamento tra la nostra rete di consulenti finanziari del <b>Team Lippolis Laruccia</b> e l'approccio fintech del team di Azimut Direct ci hanno consentito di traguardare il progetto con successo e in tempi contenuti”</span></span></i><span style="font-family:&quot;Arial&quot;,sans-serif"><span style="color:black"> aggiunge <b>Mariangelo Tieri,<i> </i>Area Manager Sud Italia Macrozona Area 5 di Azimut.</b></span></span> </span></span></span></p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--flippy-pager.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventiflippy-pager"> <div class="content"> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--links.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--flippy-pager.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventiflippy-pager"> <div class="content"> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--links.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-tags.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--news-eventi--default.html.twig * field--node--field-tags--news-eventi.html.twig x field--node--field-tags.html.twig * field--node--news-eventi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-above clearfix"> <h3 class="field__label">Etichette</h3> <ul class='links field__items'> <li><a href="/it/blog/mondo-azimut-direct">Mondo Azimut Direct</a></li> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--reading-time.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 2 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-image.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-image"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-image--news-eventi--default.html.twig * field--node--field-image--news-eventi.html.twig * field--node--field-image.html.twig * field--node--news-eventi.html.twig * field--field-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-image field--type-image field--label-above"> <div class="field__label">Immagine news</div> <div class='field__items'> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <img src="/sites/default/files/2023-10/rossogargano_cs_0.jpg" width="3116" height="1752" alt="rossogargano_cs" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Fri, 13 Oct 2023 08:04:47 +0000 glomaestro 458 at https://azimutdirect.com Cos'è e come funziona un piano di ammortamento per imprese? https://azimutdirect.com/it/blog/pmi/cose-e-come-funziona-un-piano-di-ammortamento-imprese <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--analisi.html.twig x field--node--title.html.twig * field--node--analisi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Cos&#039;è e come funziona un piano di ammortamento per imprese?</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--analisi.html.twig x field--node--uid.html.twig * field--node--analisi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/189" typeof="schema:Person" property="schema:name" datatype="">glomaestro</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--analisi.html.twig x field--node--created.html.twig * field--node--analisi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Ven, 09/29/2023 - 11:53</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-data-news-eventi.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--analisi--default.html.twig * field--node--field-data-news-eventi--analisi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--analisi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 29.09.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--body.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--analisi--default.html.twig * field--node--body--analisi.html.twig * field--node--body.html.twig * field--node--analisi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{93}" paraid="1620895593">Il <strong>piano di ammortamento per imprese</strong> è un documento di sintesi che riporta uno schema riassuntivo dei pagamenti periodici previsti dall’erogazione del finanziamento fino all’integrale rimborso dello stesso. Tale documento consente all’azienda di avere evidenza in ogni momento dei futuri esborsi di cassa che dovranno essere sostenuti e di poter gestire le risorse per far fronte ai pagamenti. </p> <p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{125}" paraid="297807008">Quando una azienda avanza una <a href="https://azimutdirect.com/it/richiedi-capitali#webform-submission-richiedi-capitali-node-213-add-form" rel="noreferrer noopener" target="_blank">richiesta di finanziamento</a>, è fondamentale stimare un piano di ammortamento e, eventualmente, condurre anche simulazioni su scenari differenti al fine di identificare la soluzione più appropriata in termini di necessità finanziarie.  </p> <p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{148}" paraid="510904627"> </p> <h2 aria-level="2" paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{152}" paraid="5516908" role="heading">Cosa significa e quali vantaggi implica un piano di ammortamento </h2> <p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{158}" paraid="1184264926">La stima di un piano di ammortamento per un prestito aziendale è uno strumento essenziale per <strong>una gestione prudente e responsabile delle risorse finanziarie</strong>. Il perché è presto detto: fornisce chiarezza, progettazione e adattabilità, aiutando le imprese, soprattutto le PMI, nella gestione delle risorse finanziarie. </p> <p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{178}" paraid="510234894">La pianificazione di un piano di ammortamento offre, quindi, diversi vantaggi significativi, tra cui possiamo enumerare: </p> <ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{198}" paraid="378574456"><strong>Pianificazione finanziaria</strong>, cioè la capacità di pianificare in modo accurato le finanze, fornendo una panoramica chiara delle rate mensili e della loro composizione in termini di capitale e interessi, aiutando così l'azienda a stabilire se può sostenere tali pagamenti nel lungo termine; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{efa3c0ff-ec58-44fe-964d-e014a848e470}{229}" paraid="1619272305"><strong>Gestione dei flussi di cassa</strong> più puntuale, poiché conoscendo in anticipo l'ammontare delle rate mensili, l'impresa può gestire meglio il cash-flow e garantire che ci siano sempre fondi disponibili, prevenendo situazioni di insolvenza o ritardi nei pagamenti; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="3" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{9}" paraid="656403194"><strong>Pianificazione degli investimenti</strong>, grazie alla visione chiara delle future obbligazioni finanziarie, il che consente alla società di pianificare gli investimenti futuri in modo da non compromettere la capacità di far fronte alle scadenze; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="4" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{40}" paraid="1396168226"><strong>Risparmio sui costi</strong>, perché la conoscenza puntuale dell'ammontare degli interessi e del capitale da restituire in ciascuna rata garantisce all'impresa la possibilità di pianificare estinzioni anticipate o rinegoziazione dei termini del finanziamento per ridurre i costi complessivi; </p> </li> </ul><ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{77}" paraid="739617197"><strong>Valutazione delle opzioni disponibili</strong>, cioè saper confrontare i piani di ammortamento di vari istituti di credito per determinare quale offra le condizioni più favorevoli; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="1" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{98}" paraid="1966418054"><strong>Adattabilità alle variazioni</strong>, cioè la possibilità di effettuare adeguamenti in caso di cambiamenti imprevisti nelle condizioni finanziarie dell'azienda, una flessibilità che può risultare cruciale in periodi di incertezza economica. </p> </li> </ul><p> </p> <hr /><p> </p> <div class="text-center"> <p><strong>Vuoi finanziare la tua impresa? </strong></p> <p><a class="btn btn-primary button button-primary" href="https://azimutdirect.com/it/richiedi-capitali?utm_source=blog&amp;utm_medium=article-cta&amp;utm_campaign=lead-form#webform-submission-richiedi-capitali-node-213-add-form">Contattaci</a></p> </div> <p> </p> <h2 aria-level="2" paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{133}" paraid="179888557" role="heading">Calcolo dell’ammortamento di un finanziamento aziendale </h2> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{147}" paraid="339216011">La stima del piano di ammortamento implica l'inserimento dei dati relativi all'importo del finanziamento, al tasso di interesse, al numero di rate e alla frequenza di pagamento delle stesse, al fine di fornire all’azienda un quadro completo. </p> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{159}" paraid="793481695">Il piano include, inoltre, una seconda sezione dettagliata in cui sono elencati: </p> <ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="3" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{171}" paraid="115131472">La data di scadenza di ciascuna rata; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="3" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{180}" paraid="692420463">L'ammontare totale di ogni rata, suddiviso tra capitale e interessi; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="3" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="3" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{189}" paraid="904660003">Il saldo residuo del debito dopo il pagamento di ciascuna rata. </p> </li> </ul><p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{196}" paraid="43702016">Benché ogni piano di ammortamento possa subire leggere personalizzazioni, tali informazioni fondamentali sono sempre incluse. </p> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{204}" paraid="1770051070">Inoltre, qualora si desideri anticipatamente valutare la variazione dell'importo delle rate in relazione alle fluttuazioni del tasso di interesse, è possibile avvalersi di un'apposita strumentazione di calcolo. </p> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{210}" paraid="1115361320">Per quanto concerne le modalità di ammortamento dei finanziamenti, è opportuno comprendere la distinzione tra il metodo francese e quello italiano: </p> <ul role="list"><li aria-setsize="-1" data-aria-level="1" data-aria-posinset="1" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="2" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{222}" paraid="1156722608">Nel caso del <strong>metodo francese</strong>, l'obiettivo primario è mantenere costante l'importo delle rate, con una quota di interessi inizialmente elevata che si riduce progressivamente nel tempo. Ciò implica che coloro che desiderano estinguere il debito anticipatamente dovranno comunque affrontare un saldo considerevole; </p> </li> <li aria-setsize="-1" data-aria-level="1" data-aria-posinset="2" data-font="Symbol" data-leveltext="" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-listid="2" role="listitem"> <p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{239}" paraid="488809386">Contrariamente, nel <strong>metodo italiano</strong>, le rate non mantengono una costante uniformità, bensì diminuiscono progressivamente di mese in mese. È comunque essenziale tenere in considerazione le componenti di capitale e interessi in ciascuna rata. </p> </li> </ul><p paraeid="{5316d133-6596-45b7-9bf8-e872efbe7cc5}{252}" paraid="1668451294"> </p> <h3 aria-level="3" paraeid="{6e7e3ba6-5f38-4a49-be21-1b8a5930e016}{1}" paraid="83821307" role="heading">Focus sul piano di preammortamento per i finanziamenti alle PMI </h3> <p paraeid="{6e7e3ba6-5f38-4a49-be21-1b8a5930e016}{13}" paraid="1092419351">Va anche evidenziata l'importanza del periodo di preammortamento all'interno di un piano di ammortamento per finanziamenti aziendali e prestiti destinati alle imprese. </p> <p paraeid="{6e7e3ba6-5f38-4a49-be21-1b8a5930e016}{33}" paraid="227794041">Il periodo di preammortamento, se previsto, può consentire all'azienda di pagare inizialmente solo le quote interessi, per poi iniziare a rimborsare il capitale dopo un determinato numero di rate. </p> <p paraeid="{6e7e3ba6-5f38-4a49-be21-1b8a5930e016}{51}" paraid="2004154681">Ciò può offrire <strong>un sollievo finanziario iniziale alla PMI</strong> e permettere di non anticipare spese che non generano valore nell’immediato: ad esempio, una manifattura potrebbe richiedere un finanziamento per dotarsi di un nuovo macchinario che, per ragioni tecniche o logistiche, entrerà in funziona solo dopo sei mesi dall’acquisto. </p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-tags.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--analisi--default.html.twig * field--node--field-tags--analisi.html.twig x field--node--field-tags.html.twig * field--node--analisi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-hidden clearfix"> <ul class='links field__items'> <li><a href="/it/blog/pmi">PMI</a></li> <li><a href="/it/blog/educazione-finanziaria">Educazione Finanziaria</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--reading-time.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeanalisireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 4 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--links.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeanalisilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Fri, 29 Sep 2023 11:53:20 +0000 glomaestro 457 at https://azimutdirect.com Investimenti ESG: cosa sono e come funzionano https://azimutdirect.com/it/blog/green-finance/investimenti-esg-cosa-sono-come-funzionano <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--analisi.html.twig x field--node--title.html.twig * field--node--analisi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Investimenti ESG: cosa sono e come funzionano</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--analisi.html.twig x field--node--uid.html.twig * field--node--analisi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/43" typeof="schema:Person" property="schema:name" datatype="">silvia.quagliotti</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--analisi.html.twig x field--node--created.html.twig * field--node--analisi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mer, 09/06/2023 - 16:17</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-data-news-eventi.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--analisi--default.html.twig * field--node--field-data-news-eventi--analisi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--analisi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 13.09.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--body.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--analisi--default.html.twig * field--node--body--analisi.html.twig * field--node--body.html.twig * field--node--analisi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Concentrarsi esclusivamente sui rendimenti finanziari e sulle dinamiche economiche di un settore o di un'azienda è oggi limitativo: ecco perché i cosiddetti <b>investimenti ESG</b> assumono una rilevanza sempre maggiore.</p> <p>“ESG” è l'acronimo di <i>Environmental, Social &amp; Governance</i>, un concetto chiave nell'ambito finanziario che afferisce al mondo dell’investimento responsabile, ossia la volontà di raggiungere obiettivi economici considerando anche gli aspetti legati all'ambiente, alla sfera sociale e ad una gestione etica delle imprese.</p> <p>Gli investitori a livello internazionale stanno prestando sempre più attenzione ai <b>fattori ESG</b>, favorendo la crescita costante della finanza “sostenibile”: gli investimenti ESG, quindi, rappresentano una categoria di azioni finanziarie che tiene in considerazione non solo le prestazioni economiche, ma anche i fattori ambientali, sociali e di <i>governance</i> all’interno delle decisioni di investimento.</p> <p>Andiamo ad approfondire per quale ragione c’è una presa di coscienza collettiva su questi temi, quali sono i criteri ESG e cosa si intende per sostenibilità nel mondo <i>finance, </i>con un focus sulle PMI.</p> <h2>ESG e finanza sostenibile, un modello di sviluppo per le nuove generazioni</h2> <p>Nello scenario attuale, quindi, sembrerebbero tramontati i tempi in cui si prendevano decisioni d’investimento basate unicamente su settori, Paesi e performance&lt; finanziarie delle società: investitori istituzionali e individuali cercano sì di massimizzare il profitto, generando un valore tangibile attraverso le operazioni finanziarie, ma <b>mettendo al centro il rispetto di principi e valori oggi universalmente riconosciuti e molto sentiti.</b></p> <p>Questo accade in particolare nelle <b>generazioni più giovani</b>, dai Millennials in avanti: i nuovi manager, investitori e imprenditori mostrano una preferenza per quelle aziende che dimostrano un impatto positivo sul mondo, evitando invece società con esposizione a rischi legati alla mancata compliance con i fattori ESG.</p> <p>Parallelamente, <b>le aziende stanno integrando gli ESG come parte essenziale delle proprie strategie </b>riconoscendo che, al fine di massimizzare il proprio potenziale di crescita e adattamento al mercato, devono assumersi la responsabilità delle proprie scelte e azioni.</p> <p>I punteggi di sostenibilità, o <i>ESG score</i>, servono a valutare il reale impegno delle imprese alle cause ambientali e sociali, misurando la discrepanza tra quanto dichiarato e i progetti concretamente messi in atto.</p> <p>Su di essi si basa la cosiddetta <a href="https://azimutdirect.com/it/blog/green-finance/sustainability-linked-bond-cosa-sono-e-come-funzionano"> finanza sostenibile</a> che incorpora, appunto, i fattori ESG nelle scelte di investimento, indirizzando i fondi verso iniziative considerate sostenibili nel lungo periodo.</p> <h2>Quali sono i criteri ESG e perché sono importanti per gli investimenti</h2> <p>L'<b>integrazione dei criteri ESG nelle analisi finanziarie</b> delle società è diventata cruciale, sia per gli investitori istituzionali sia per i consulenti finanziari. Le aziende dispongono di diversi strumenti per comunicare con gli stakeholder, tra cui spiccano il Bilancio sociale e il Report di CSR (<i>Corporate Social Responsibility</i>), noto in Italia come Bilancio di sostenibilità.</p> <p>I fattori ESG, come accennato, afferiscono a tre macro-aree:</p> <ul><li><strong>Tutela ambientale</strong> e impegno nell’affrontare e ridurre l'impatto dei cambiamenti climatici, incluso il perseguimento delle emissioni zero e la ricerca sulle rinnovabili, la salvaguardia della biodiversità, l’adozione di misure per evitare l'inquinamento dell'aria, dell'acqua e del suolo, nonché la messa in atto dei principi dell’economia circolare, ossia la promozione di un modello economico che mira alla riduzione degli sprechi e al riutilizzo delle risorse;</li> <li><strong>Cause sociali</strong>, come la lotta alle disuguaglianze, la promozione dell’inclusione di tutti i membri della società a prescindere da genere, razza, età, livello di istruzione e provenienza, il rispetto dei diritti umani, l'attenzione alle condizioni dei lavoratori, ai diritti sindacali e al rispetto delle norme lavorative, gli investimenti in formazione e un obiettivo ultimo legato al benessere della collettività attraverso progetti e iniziative sociali;</li> <li><strong>Governance aziendale</strong>, intesa come un modello di amministrazione trasparente ed etico, che passa dalla composizione diversificata degli organi di amministrazione, con generi, background e competenze diverse, ma anche tramite la presenza di consiglieri indipendenti nell'organigramma aziendale per garantire una supervisione obiettiva, l'adozione di politiche di compensazione equa e trasparente per i dirigenti aziendali e, non ultima, l'integrazione delle considerazioni sociali e ambientali nei processi decisionali aziendali, per riflettere valori sostenibili.</li> </ul><p>Sebbene possano sembrare pratiche virtuose diffuse, concordemente approvate e portate avanti da qualsiasi organizzazione, esistono ancora molte lacune in ciascuno dei tre macro-ambiti, spesso proprio nelle più grandi <i>corporation</i>: sotto i riflettori, ad esempio, i temi dell’inquinamento e dello spreco di risorse di alcune grandi manifatture di produzione del <i>fast-fashion</i> o del <i>food&amp;agriculture</i>, per non parlare degli scandali legati alla mancata tutela della manodopera a basso costo nel Sud del mondo, o del fenomeno del <i>green washing</i>, ossia un ecologismo di facciata non supportato da azioni concrete.</p> <p>La strada da fare è ancora lunga ma le istituzioni sono al lavoro per incentivare lo sviluppo di politiche che mettano al centro la sostenibilità, anche per le PMI.</p> <h2>ESG: investimenti e PMI, tra normativa, obblighi e opportunità</h2> <p>Secondo una <a href="https://www.capterra.it/blog/3390/strategia-esg-pmi">ricerca di Capterra</a> rilasciata all’inizio del 2023, solo il 27% delle PMI italiane starebbe già implementando una strategia basata sui pilastri della sostenibilità ambientale, sociale e di governance, mentre ben il 15% dei CEO della piccola media impresa non saprebbe nemmeno fornire la definizione di ESG.</p> <p>Fortunatamente, però, l’iter di evangelizzazione e promozione è già stato attivato, basti pensare che la nuova <i>Corporate Sustainability Reporting Directive</i> dell’EFRAG - European Financial Reporting Advisory, l’ente tecnico che lavora sui principi contabili internazionali - richiede alle imprese di <b>pubblicare relazioni periodiche sugli impatti ESG</b>. La messa in atto avverrà in 3 fasi progressive, con cadenza annuale, a partire dal 1° gennaio 2024 per le società che sono già soggette alla direttiva sulla rendicontazione non finanziaria, e a seguire nel 2025 per le imprese oggi non soggette alla direttiva e nel 2026 con l’obbligatorietà per tutte le PMI quotate.</p> <p>I vantaggi di integrare l’approccio ESG sono potenzialmente numerosi, tra di essi:</p> <ul><li>l’<strong>ampliamento delle opportunità commerciali</strong>, poiché certificazioni e rating ESG vengono richiesti sempre più spesso per la partecipazione alle gare d'appalto e alle liste fornitori di clienti rilevanti;</li> <li>la <strong>facilitazione nell’accesso al credito</strong>, dato che le politiche di gestione del credito stanno integrando le valutazioni ESG, seguendo regolamentazioni dell'Unione Europea e facilitando l'accesso ai finanziamenti per le imprese sostenibili;</li> <li><strong>l’ammissione ai fondi PNRR</strong>, visto che le PMI possono accedere ai fondi del Piano Nazionale di Ripresa e Resilienza, ad esempio, se dimostrano interventi a impatto ambientale limitato;</li> <li>il <strong>miglioramento della reputazione</strong>, essendo assodato che prestazioni di sostenibilità migliori contribuiscono a un percepito più positivo dell'organizzazione sul mercato, nell’ottica di attrarre stakeholder come clienti, personale e investitori.</li> </ul><p>Per tutti questi motivi, anche le PMI dovrebbero iniziare a mettere al centro i concetti di investimenti ESG e di finanza sostenibile.</p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-tags.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--analisi--default.html.twig * field--node--field-tags--analisi.html.twig x field--node--field-tags.html.twig * field--node--analisi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-hidden clearfix"> <ul class='links field__items'> <li><a href="/it/blog/green-finance">Green Finance</a></li> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--reading-time.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeanalisireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 5 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--links.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeanalisilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Wed, 06 Sep 2023 16:17:11 +0000 silvia.quagliotti 454 at https://azimutdirect.com C.R.S. Impianti e Azimut Direct: 2,5 milioni di euro per supportare la società https://azimutdirect.com/it/blog/mondo-azimut-direct/crs-impianti-e-azimut-direct-25-milioni-di-euro-supportare-la-societa <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--news-eventi.html.twig x field--node--title.html.twig * field--node--news-eventi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">C.R.S. Impianti e Azimut Direct: 2,5 milioni di euro per supportare la società</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--news-eventi.html.twig x field--node--uid.html.twig * field--node--news-eventi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/51" typeof="schema:Person" property="schema:name" datatype="">fbartoli</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--news-eventi.html.twig x field--node--created.html.twig * field--node--news-eventi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Lun, 02/20/2023 - 15:06</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'card_image_overlay' --> <!-- FILE NAME SUGGESTIONS: x card-image-overlay.html.twig x card-image-overlay.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/layouts/card-image-overlay.html.twig' --> <div class="card"> <div> </div> <div class="card-img-overlay"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-image.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-image"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-image--news-eventi--default.html.twig * field--node--field-image--news-eventi.html.twig * field--node--field-image.html.twig * field--node--news-eventi.html.twig * field--field-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-image field--type-image field--label-hidden field__items"> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <img src="/sites/default/files/2023-02/Blog%20-%20CS%20-%20CRS%20Impianti_0.jpg" width="3116" height="1618" alt="C.R.S. Impianti: DL 2,5 milioni" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-links.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-links"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-links--news-eventi--default.html.twig * field--node--field-links--news-eventi.html.twig * field--node--field-links.html.twig * field--node--news-eventi.html.twig * field--field-links.html.twig * field--link.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-links field--type-link field--label-above"> <div class="field__label">Allegati</div> <div class='field__items'> <div class="field__item"><a href="/sites/default/files/20230220_CS_CRS_FINAL.pdf">Leggi il Comunicato Stampa</a></div> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/layouts/card-image-overlay.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-data-news-eventi.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--news-eventi--default.html.twig * field--node--field-data-news-eventi--news-eventi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--news-eventi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 20.02.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <h2>h</h2> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--body.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--news-eventi--default.html.twig * field--node--body--news-eventi.html.twig * field--node--body.html.twig * field--node--news-eventi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Tramite Azimut Direct un direct lending da EUR 2,5M per supportare nuovamente la crescita di <a href="https://www.crs-spa.it/">C.R.S. Impianti Srl</a>, player affermato sia a livello nazionale che internazionale nella progettazione, installazione, manutenzione e vendita di impianti tecnologici civili ed industriali. L’operazione ha beneficiato della collaborazione della rete dei consulenti finanziari del Gruppo, tra i principali operatori indipendenti del risparmio gestito in Europa. </p> <p><a href="https://www.linkedin.com/in/oliviero-pulcini-a02992143/">Oliviero Pulcini</a>, <strong>Managing Director di Azimut Capital Management Sgr Area 2</strong>, sottolinea: <em>“L’operazione con C.R.S. conferma ancora una volta la grande capacità dei consulenti finanziari Azimut di supportare gli imprenditori sul territorio in tutte le loro esigenze. Le sinergie sviluppate all’interno del Gruppo forgiano un nuovo modello di servizio per il cliente in cui ascolto e assistenza sono essenziali”</em>.</p> <p><em>“Una fintech come Azimut Direct è naturalmente predisposta verso quelle realtà dinamiche e attente all’innovazione come C.R.S. Impianti, società affermata nel settore dell’impiantistica industriale. La nostra peculiarità è di operare un modello misto, con importante impronta "tech" sulla componente di analisi e qualitativa nella relazione, impostata sul lungo periodo. Forte coordinamento con la rete dei consulenti finanziari Azimut, competenza e specializzazione ci hanno consentito di soddisfare tempestivamente le esigenze della società”</em>, aggiunge il nostro <strong>Managing Director</strong> <a href="https://www.linkedin.com/in/antonio-chicca-3b7a445/">Antonio Chicca</a>.</p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--flippy-pager.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventiflippy-pager"> <div class="content"> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--links.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--flippy-pager.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventiflippy-pager"> <div class="content"> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--links.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-tags.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--news-eventi--default.html.twig * field--node--field-tags--news-eventi.html.twig x field--node--field-tags.html.twig * field--node--news-eventi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-above clearfix"> <h3 class="field__label">Etichette</h3> <ul class='links field__items'> <li><a href="/it/blog/mondo-azimut-direct">Mondo Azimut Direct</a></li> <li><a href="/it/blog/finanza-alternativa">Finanza alternativa</a></li> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--news-eventi--reading-time.html.twig * block--extra-field-block--node--news-eventi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodenews-eventireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> ! minuto <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--news-eventi--field-image.html.twig * block--field-block--node--news-eventi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodenews-eventifield-image"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-image--news-eventi--default.html.twig * field--node--field-image--news-eventi.html.twig * field--node--field-image.html.twig * field--node--news-eventi.html.twig * field--field-image.html.twig * field--image.html.twig x field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> <div class="field field--name-field-image field--type-image field--label-above"> <div class="field__label">Immagine news</div> <div class='field__items'> <div class="field__item"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image_formatter' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'image' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <img src="/sites/default/files/2023-02/Blog%20-%20CS%20-%20CRS%20Impianti_0.jpg" width="3116" height="1618" alt="C.R.S. Impianti: DL 2,5 milioni" loading="lazy" typeof="foaf:Image" /> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/image-formatter.html.twig' --> </div> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Mon, 20 Feb 2023 15:06:16 +0000 fbartoli 444 at https://azimutdirect.com Cosa è e come funziona la Garanzia SupportItalia https://azimutdirect.com/it/blog/pmi/come-funziona-la-garanzia-supportitalia <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--title--analisi.html.twig x field--node--title.html.twig * field--node--analisi.html.twig * field--title.html.twig * field--string.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <span class="field field--name-title field--type-string field--label-hidden">Cosa è e come funziona la Garanzia SupportItalia</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--title.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--uid--analisi.html.twig x field--node--uid.html.twig * field--node--analisi.html.twig * field--uid.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <span class="field field--name-uid field--type-entity-reference field--label-hidden"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'username' --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> <span lang="" about="/it/user/43" typeof="schema:Person" property="schema:name" datatype="">silvia.quagliotti</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/user/username.html.twig' --> </span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--uid.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--created--analisi.html.twig x field--node--created.html.twig * field--node--analisi.html.twig * field--created.html.twig * field--created.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <span class="field field--name-created field--type-created field--label-hidden">Mer, 02/15/2023 - 10:17</span> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--created.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'layout__onecol' --> <!-- FILE NAME SUGGESTIONS: x layout--onecol.html.twig x layout--onecol.html.twig * layout.html.twig --> <!-- BEGIN OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-data-news-eventi.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-data-news-eventi"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-data-news-eventi--analisi--default.html.twig * field--node--field-data-news-eventi--analisi.html.twig * field--node--field-data-news-eventi.html.twig * field--node--analisi.html.twig x field--field-data-news-eventi.html.twig * field--datetime.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> <span><i class="far fa-calendar-alt"></i> 15.02.2023</span> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/field--field-data-news-eventi.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--addtoany-block.html.twig * block--addtoany.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-addtoany block-addtoany-block"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'addtoany_standard' --> <!-- BEGIN OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> <span class="a2a_kit a2a_kit_size_14 addtoany_list" data-a2a-url="https://azimutdirect.com/it/taxonomy/term/56/feed" data-a2a-title="Azimut Direct"><a class="a2a_dd addtoany_share" href="https://www.addtoany.com/share#url=https%3A%2F%2Fazimutdirect.com%2Fit%2Ftaxonomy%2Fterm%2F56%2Ffeed&amp;title=Azimut%20Direct"><img src="/sites/default/files/share.png" alt="Share"></a></span> <!-- END OUTPUT from 'modules/contrib/addtoany/templates/addtoany-standard.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--body.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisibody"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--body--analisi--default.html.twig * field--node--body--analisi.html.twig * field--node--body.html.twig * field--node--analisi.html.twig * field--body.html.twig x field--text-with-summary.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"><p>Le dinamiche politico-economiche dell’ultimo triennio hanno fortemente influenzato la gestione operativa delle aziende, con una generalizzata riduzione della redditività e la necessità di supportare la liquidità aziendale. Il Governo è intervenuto con un ampio pacchetto di interventi a supporto, tra cui il rilascio di garanzie pubbliche sui finanziamenti.</p> <p>Garanzia SupportItalia è il programma SACE a favore delle imprese italiane per aiutarle a gestire le difficoltà legate al conflitto russo–ucraino e al conseguente aumento dei costi relativi alle materie prime e all’energia, e che segue Garanzia Italia, introdotta nel 2020 a seguito della pandemia Covid-19.</p> <p>Nello specifico, Supportitalia è stata avviata a seguito del D.L. 50/2022 (cd. “Decreto Aiuti”) e ora intragrata e prorogata fino al 31.12.2023 (D.L. 144/2022, c.d. “Aiuti Ter”). Vediamo insieme quali sono le principali caratteristiche del programma SACE e quali le novità introdotte.</p> <h2 class="paragraph-title">Garanzia SupportItalia: principali caratteristiche</h2> <p>Supportitalia garantisce in percentuali che variano dal 70% al 90% i finanziamenti erogati da banche o altri soggetti abilitati all'esercizio del credito in Italia. L’ammontare complessivo massimo del finanziamento è pari al maggiore fra:</p> <ul style="list-style-type:disc"><li>il 15% del fatturato annuo totale medio in Italia degli ultimi 3 esercizi</li> <li>il 50% dei costi sostenuti per fonti energetiche nei 12 mesi precedenti la richiesta di finanziamento.</li> </ul><p>Due le modalità di ottenimento della garanzia, a seconda del fatturato e del numero di dipendenti:</p> <ul style="list-style-type:disc"><li>procedura semplificata: fatturato fino a EUR 1,5Mld o numero dipendenti inferiore a 5.000, o comunque con importo massimo garantito fino a EUR 375M</li> <li>procedura ordinaria: fatturato superiore a EUR 1,5Mld o numero dipendenti superiore a 5.000, o comunque con importo massimo garantito superiore a EUR 375M.</li> </ul><h2 class="paragraph-title">Le novità introdotte dal D.L. Aiuti Ter</h2> <p>Il D.L. Aiuti Ter, in vigore da novembre, introduce la possibilità di garanzie gratuite per il pagamento delle fatture per consumi energetici emesse nell’ultimo trimestre 2022. Condizione per la gratuità è che il tasso di interesse del finanziamento non superi il rendimento dei BTP di pari durata. Le ulteriori novità riguardano:</p> <ul style="list-style-type:disc"><li><a href="/it/blog/pmi/come-funziona-la-garanzia-supportitalia#cap1">plafond aggiuntivo per le imprese “energivore”</a></li> <li><a href="/it/blog/pmi/come-funziona-la-garanzia-supportitalia#cap2">più liquidità per le imprese che acquistano energia</a></li> <li><a href="/it/blog/pmi/come-funziona-la-garanzia-supportitalia#cap3">erogazioni multi-tranches e forma revolving</a></li> </ul><h3 class="paragraph-title" id="cap1">Plafond aggiuntivo per le imprese “energivore”</h3> <p>In base alla definizione comunitaria, una impresa è “energivora” se:</p> <ul style="list-style-type:disc"><li>i costi di acquisto dei prodotti energetici ed elettricità̀ sono pari almeno al 3,0 % del valore produttivo oppure,</li> <li>l’Imposta nazionale sull'energia pagabile sia pari almeno allo 0,5 % del valore aggiunto.</li> </ul><p>Per queste imprese l’ammontare massimo garantito può essere aumentato fino a ulteriori EUR 25M, a copertura del fabbisogno di liquidità:</p> <ul style="list-style-type:disc"><li>dei successivi 12 mesi dalla data di richiesta del finanziamento per le PMI</li> <li>dei successivi 6 mesi dalla data di richiesta del finanziamento per le grandi imprese</li> </ul><p>L’importo massimo garantito addizionale può essere ripartito anche su più finanziamenti. Inoltre, per i gruppi di aziende, ciascuna imprese può beneficiare dell’intero plafond aggiuntivo in via individuale.</p> <p>Il fabbisogno di liquidità non dovrà essere stato già coperto da misure di aiuto quali il «Sostegno alla liquidità sotto forma di garanzie».</p> <h3 class="paragraph-title" id="cap2">Più liquidità per le imprese che acquistano energia</h3> <p>Per le imprese operanti nel settore energetico svolgenti attività di produzione, distribuzione o vendita di energia elettrica e/o gas esclusivamente per stabilimenti produttivi e attività imprenditoriali localizzati in Italia (ad esclusione di acquisizioni di partecipazioni sociali) la nuova garanzia può essere applicata a finanziamenti per liquidità per gli obblighi di fornire collaterali per le attività di commercio sul mercato dell’energia, a condizione che l’impresa si impegni a mantenere in Italia la parte sostanziale della produzione.</p> <p>Allo stesso tempo, con lo schema normativo 2023 è stata introdotta la possibilità per le imprese fornitrici di energia elettrica e gas naturale con sede in Italia di richiedere un finanziamento per il soddisfacimento delle esigenze di liquidità derivanti dai piani di rateizzazione concessi dalle imprese stesse ai propri clienti.</p> <h3 class="paragraph-title" id="cap3">Erogazioni multi-tranches e forma revolving</h3> <p>Due importanti novità riguardano i finanziamenti con durata inferiore a 36 mesi contratti da qualsiasi impresa, per i quali sarà possibile procedere all’erogazione in più soluzioni e oltre il termine previsto di 30 giorni a decorrere dall’avvenuto rilascio della Garanzia SACE.</p> <p>La Garanzia SupportItalia SACE prevede inoltre la possibilità di garantire finanziamenti di durata inferiore ai 36 mesi in forma revolving, consentendo all’impresa di utilizzare e rimborsare la linea di credito accordata a qualsiasi data, a condizione che ciò avvenga entro e non oltre la scadenza della linea.</p> <p>La remunerazione SACE prevista rimane comunque da calcolarsi sull’importo della linea accordata indipendentemente dall’utilizzo da parte dell’impresa.</p> <h2 class="paragraph-title">Il punto di vista di Azimut Direct</h2> <p>In questo quadro Azimut Direct rinnova il suo impegno a supporto delle PMI e delle imprese italiane fornendo soluzioni veloci ed efficaci volte a garantire l’ottenimento delle risorse necessarie a finanziare i loro piani di crescita. Affidabilità, competenza e tempestività sono i valori che offriamo alle imprese con cui lavoriamo quotidianamente, fornendo una consulenza qualificata che permette di cogliere al meglio le opportunità del mercato dei capitali.</p> <p>Leggi anche <a href="/it/blog/green-finance/garanzia-sace-green-cos-e-come-funziona">Garanzia SACE Green: che cos'è, come funziona e come sfruttarla per la crescita delle PMI</a></p> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--text-with-summary.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--field-block--node--analisi--field-tags.html.twig * block--field-block--node--analisi.html.twig x block--field-block--node.html.twig * block--field-block.html.twig * block--layout-builder.html.twig * block.html.twig --> <!-- BEGIN OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <div class="block block-layout-builder block-field-blocknodeanalisifield-tags"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'field' --> <!-- FILE NAME SUGGESTIONS: * field--node--field-tags--analisi--default.html.twig * field--node--field-tags--analisi.html.twig x field--node--field-tags.html.twig * field--node--analisi.html.twig * field--field-tags.html.twig * field--entity-reference.html.twig * field.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> <div class="field field--name-field-tags field--type-entity-reference field--label-hidden clearfix"> <ul class='links field__items'> <li><a href="/it/blog/pmi">PMI</a></li> </ul> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/field/field--node--field-tags.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/custom/azimutdirect/templates/block--field-block--node.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--reading-time.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="block block-layout-builder block-extra-field-blocknodeanalisireading-time"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'reading_time' --> <!-- BEGIN OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> 4 minuti <!-- END OUTPUT from 'modules/contrib/node_read_time/templates/reading-time.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <!-- THEME DEBUG --> <!-- THEME HOOK: 'block' --> <!-- FILE NAME SUGGESTIONS: * block--extra-field-block--node--analisi--links.html.twig * block--extra-field-block--node--analisi.html.twig * block--extra-field-block--node.html.twig * block--extra-field-block.html.twig * block--layout-builder.html.twig x block.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> <div class="_none block block-layout-builder block-extra-field-blocknodeanalisilinks"> <div class="content"> <!-- THEME DEBUG --> <!-- THEME HOOK: 'links__node' --> <!-- FILE NAME SUGGESTIONS: * links--node.html.twig x links--inline.html.twig * links--node.html.twig * links.html.twig --> <!-- BEGIN OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/navigation/links--inline.html.twig' --> </div> </div> <!-- END OUTPUT from 'themes/contrib/bootstrap_barrio/templates/block/block.html.twig' --> </div> </div> <!-- END OUTPUT from 'core/modules/layout_discovery/layouts/onecol/layout--onecol.html.twig' --> Wed, 15 Feb 2023 10:17:45 +0000 silvia.quagliotti 443 at https://azimutdirect.com