Rating banking - the importance of 'andamentale
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How long has the contractor customer? As has been involved with the Institute so far? What is its use of credit, from the point of view of an over-use (encroachment) or to use a sub? There are abnormal events, such as delays in payment of installments?
It has a portfolio of loans and what are the conditions in terms of outstanding and lasting?
remember a very simple concept. From our point of view, we forget to pay a bulletin of the loan. This action, in terms of who we finance is an unsolved, an anomalous event.
If I have an expectation of 100,000 € and I use it all, never decrease, it means they are already in financial stress. If every now and then exceeds it by encroaching, is another anomalous event.
If my portfolio of bank receipts, which regularly discount, is composed of many unresolved, this is an unusual event. It means that I am not choosing my clients well and, just to sell, do business with anyone operate without the checks of reliability estimates.
if the duration of my credit spreads over time, it means that I am financing my clients and I have no leeway in my contract negotiations.
If, above all, systematically off my bills instead of putting them in the bank for collection, means that they are in perpetual deficit of liquidity, or buy or sell badly hurt, but in any case, the effect is the continued use of the advance.
What they mean in terms of the bank, all these "unusual occurrences"?
are signs of risk.
The company is in difficulties or is likely to get in, because if you constantly lives on the line, means that it is able to proceed normally in the classical canons.
The question is whether all this is not true.
If we are in trouble, our scope is already minimal and we simply try to survive. But if we are really in trouble, and we act as if we were, we give a message exactly the opposite of what we give.
The point is very simple: Every action that we make against the bank may be perceived as a sign of increased risk.
The proper management, careful, punctual of treasurers is fatal to a proper assessment andamentale.
This set of circumstances that are go to influence positively (or negatively) any other, certainly more subjective because it can be derived directly from the budget of the operational or spent, and it is in these arguments, where the company can "influence" and "rectify" the findings bank.
The endogenous variables are important to assess the reliability (in the broadest sense) of the Company.
Why is it easier to get a home loan to be married rather than single, with the same total income? Because marriage is a sign of stability that is a condition in which it is clear the intention to seriously pursue the common will to move forward together. The family bond, therefore, has an economic value and for limiting risks.
Likewise, the story "family" of the company has a very specific weight.
What differentiates a micro-enterprise from a large company? The organization, systematic, clear definition of roles.
charged with the "Corporate Finance" to a specific organ (internal or outside it, depending on availability) indicates that the company is organized to control herself, and an enterprise that is self-control is a company that does not unexpected surprises and is more reliable than another. Regardless of its size and revenue, shows fact that it has full control of their own means, resources, and that investment and the needs arising from a strategic plan studied and evaluated, not by occasional ideas (for they are good). Imagine for example a renegotiation of debt: Apply the correct timing of exits as the correct timing of entry. E 'index of treasury management, control of the situation, professional action.
hire an employee with a good experience behind him for a key role in our company. E 'un'arricchimento the corporate structure which enhances the operating performance of the Company and not merely an assumption to be kept secret within the walls of the company. We're talking
of intangible values, which are not seen in the financial statements, which do not show through the numbers, but that increase the level at which the bank knows us and learn how we work.
The exogenous variables are normally inflenzate from the environment, and market competition.
Again, the "how" one of these situations, it is important.
As in the case of endogenous variables, even in those exogenous basic fact is the "perception" that the bank of the Company and its business. We must understand that the official we face is unlikely to be updated and knowledgeable about our business and our industry sector, and therefore a detailed assessment of the environment in which the company is moving, it's useful to consider the potential (economic and risk) of the enterprise. Especially when our company moves into an area a bit 'in trouble if we do not communicate well our results, we risk that the bank applies the presumption that we are in trouble as well.
Likewise, market analysis and competition are elements of assessing the degree of risk that should not be underestimated.
There is no doubt that having a clear marketing strategy and wide-ranging, perfectly in context with the environment in which we operate, subject to periodic feed-back is to have control of the situation and a good chance to influence their future.
This is not to pass on the Bank's assessment scores, attachments, information. It is not the quantity of information that counts, but its quality.
All these things can not be transmitted with the budget, but will be transmitted in a confidential briefing paper aimed at key people in our school, that is, those who decide on our demands. Our usual contact, the head of the exposures, the deputy branch manager and director. If we can, we must also hold a formal presentation at our office, inviting them with us.
not forget, finally, that all these tests, if we have not ever made, will also help us to better understand ourselves, our company and the world in which we operate. In fact, the problem of small business is that there is no time for strategy, especially because the entrepreneur is the first major company worker, so the time to think about strategies, or if there is, is restricted to the gaps between ordinary activities, is neither systematic nor methodology, but occasionally. And this is a danger and a limit of development.
