La evolución del crédito financiero permite prever que en 2016 se observen, por primera vez en ocho años, tasas positivas de crecimiento si se mantiene la tendencia actual y no se producen episodios de inestabilidad financiera. La morosidad empresarial ha registrado un repunte al alza en el tercer trimestre de 2015, lo que permite adelantar que el ejercicio cerrará con una tasa ligeramente superior a la registrada en los trimestres precedentes, rompiendo la tendencia a la reducción que se venía registrando durante los tres últimos años.
El Boletín de Morosidad y Financiación Empresarial, que edita CEPYME en colaboración con la Dirección General de Industria y de la Pyme, refleja un incremento tanto en el período medio de pago como en el porcentaje de crédito comercial en mora durante el tercer trimestre de este año, respecto del trimestre precedente.
Así, el período medio de pago aumentó hasta los 81’4 días, dos décimas más que en el trimestre anterior, mientras que el crédito comercial en mora se elevó hasta el 68’5% del total de crédito comercial, lo que representa un incremento de 8 décimas respecto del trimestre anterior.
El Índice Sintético de Morosidad Empresarial (ISME) se situó en el tercer trimestre en 92’6 puntos, siete décimas por encima del registrado en el segundo trimestre del año.
La evolución de este indicador refleja la dificultad de lograr reducciones sustantivas en el medio plazo, en ausencia de nuevas iniciativas estructurales de lucha contra la morosidad empresarial.
Tal como ha señalado el presidente de CEPYME, Antonio Garamendi, en la presentación del último número del Boletín de Morosidad y Financiación Empresarial, “uno de los riesgos asociados a la consolidación de la expansión económica y la mejora de las expectativas de crecimiento es que la mayor demanda y disposición de liquidez invite a las empresas a relajar la vigilancia en materia de cobros y pagos en plazo”. Por ello, es importante no bajar la guardia en materia de lucha contra la morosidad.
El coste financiero de la deuda comercial se elevó hasta los 1.012 millones de euros (1.003 millones en el segundo trimestre), debido al incremento del stock de crédito comercial y del porcentaje de deuda comercial en mora. Este coste equivale al 0’1% del PIB.
Por sectores, las empresas del sector textil superaron lo 102’5 días de demora en el cobro de sus facturas, unos plazos que no se registraban desde comienzos del año 2010 y que superan en más de 40 días el plazo legal y en más de veinte la media de demora (81’4 días).
Por el contrario, el sector de actividades de distribución alimentaria registró el menor período medio de cobro, con 67 días, sólo siete por encima del plazo legal de 60 días.
El Boletín de Morosidad y Financiación Empresarial confirma que las microempresas pagan a sus proveedores antes que las empresas de mayor tamaño. Así, el período medio de pago de las microempresas es de 74’9 días (77’4 en el segundo trimestre de este año), frente a los 82’2 días (80’9 en el segundo trimestre) de las pequeñas empresas y los 84’4 días (igual que en el segundo trimestre) de las medianas.
Evolución del crédito financiero
Por lo que respecta al crédito financiero a empresas no inmobiliarias, el Boletín refleja que el mismo se incrementó en torno a un 3% en el tercer trimestre del año, mientras que el destinado a empresas inmobiliarias y e construcción siguió descendiendo a un ritmo del 15%. De mantenerse las tendencias actuales en el ritmo de nueva concesión y descartando episodios de inestabilidad financiera, cabe esperar que en 2016 se observen, por primera vez en ocho años, tasas positivas de crecimiento en el stock de crédito financiero a empresas.
Imagen de cabecera: Strevo
The term nootropics” covers a broad range of products.
my site – Bookmarks
The term nootropics” covers a broad range of products.
Feel free to visit my web-site … what is nootropic mean
The term nootropics” covers a broad range of products.
Look into my webpage :: nootropic definition webster's
prescription drug pricing
Hiya, I’m really glad I have found this info. Today bloggers publish only about
gossips and net and this is actually annoying. A good website parent’s responsibilities with quality child care centers
interesting content, this is what I need. Thanks for keeping this site, I’ll be visiting it.
Do you do newsletters? Can’t find it.
Natural cognitive functions are enhanced.
Feel free to surf to my web site item508202666
This is where roller cheap vertical blinds really shine.
Roller shades are great for window treatments.
Here is my web-site :: Bookmarks
Cordless roman blackout blinds john lewis Shades will usually not have a valance.
Cordless Roman Shades will usually not have a valance.
Feel free to surf to my blog post; can you add tape to existing blinds
Complete Blinds was established in 1989.
My web blog: item508856641
They range from light diffusing to total blackout.
Also visit my web-site: Bookmarks
Shop our collection of Custom Vinyl style studio venetian blinds.
Read it carefully before changing your shipping plans.
Also visit my website: car transport Quote ceva
Aluminum can you see through wooden blinds are a breeze to care for.
Specializes in coast-how long does it take to ship a bmw from germany-coast vehicle shipping.
Thousands of people ship cars overseas each year.
Stop by my web page car delivery services near me
Choose your move size to find local reputable long-distance movers Near me.
Normally I don’t read post on blogs, but I would like to say that this write-up very forced me to try and do so! Your writing style has been surprised me. Thanks, very nice article.
I was able to find good advice from your articles.
My homepage – reclaimed wood suppliers (Alexandria)
Very clear internet site, thanks for this post.
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?
To make joy organics cbd gummies reviews cream, you need high
quality CBD oil.
Hiya very cool blog!! Guy .. Beautiful .. Amazing .. I’ll bookmark your web site and take the feeds additionally?KI’m satisfied to seek out numerous useful information here in the publish, we need work out extra strategies in this regard, thanks for sharing. . . . . .
roller blinds for french doors ikea
blinds are exceptionally easy to clean.
There is a long list of restaurants must Eat in estes park Estes Park.
Wonderful beat ! I wish to apprentice while you amend your web site, how can i subscribe for a weblog site? The account aided me a applicable deal. I have been a little bit acquainted of this your broadcast provided vibrant transparent idea
Blackout pull-down shades can also prevent drafts.
My blog post; venetian blinds repair kit
This is where blackout roller blinds 52 inch blinds really shine.
There is a long list of 5 star restaurants in estes park in Estes Park.
Dusting Venetian what are the best roller blinds is
one option to clean them.
Locals of my favorite places to eat here best food in marathon fl Marathon.
The cost: The chef’s tasting menu costs $60.
my web blog; Bookmarks
tempail Get a Free Temporary Email Address Instantly
Add chicken and shrimp for an additional charge.
Also visit my blog – best new restaurants in West chester pa
Served with jasmine rice and pico de gallo.
Take a look at my page best thai restaurants in rockville md
eureka restaurants open for dine-in Springs has it all
for the food buff, trust me.
Favorite Menu Item: The Original Taco Al Pastor.
Feel free to visit my website; best chinese food columbus ohio 2022
you are in point of fact a good webmaster. The site loading speed is amazing. It sort of feels that you are doing any unique trick. In addition, The contents are masterwork. you’ve done a great process in this topic!
whoah this blog is fantastic i love reading your posts. Keep up the good work! You know, lots of people are hunting around for this information, you could aid them greatly.
After study a couple of of the blog posts in your website now, and I really like your manner of blogging. I bookmarked it to my bookmark website listing and will likely be checking back soon. Pls check out my site as effectively and let me know what you think.
Wonderful blog! I found it while browsing on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thanks
You have remarked very interesting details ! ps nice internet site.
I like what you guys are up also. Such smart work and reporting! Carry on the excellent works guys I’ve incorporated you guys to my blogroll. I think it’ll improve the value of my website 🙂
You should be a part of a contest for one of the finest
sites on the web. I most certainly will highly recommend this website!
Wonderful website. Plenty of helpful information here. I am sending it to some friends ans also sharing in delicious. And obviously, thank you to your sweat!
Definitely believe that which you stated. Your favorite reason appeared to be on the web the easiest thing to be aware of. I say to you, I definitely get irked while people consider worries that they just don’t know about. You managed to hit the nail upon the top and also defined out the whole thing without having side effect , people could take a signal. Will probably be back to get more. Thanks
I used to be suggested this web site by way of my cousin. I am no longer sure
whether this submit is written by means of him as no one else recognise
such particular approximately my trouble. You’re
incredible! Thank you!
Also visit my page Super Bio CBD Review
Definitely believe that which you stated. Your favorite reason seemed to be on the web the easiest thing to be aware of.
I say to you, I certainly get annoyed while people consider worries that
they just do not know about. You managed to hit the nail upon the top and also defined
out the whole thing without having side effect , people could take a signal.
Will probably be back to get more. Thanks
Hello! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog article or vice-versa? My site addresses a lot of the same topics as yours and I believe we could greatly benefit from each other. If you happen to be interested feel free to send me an e-mail. I look forward to hearing from you! Great blog by the way!
Good day! This is my 1st comment here so I just wanted to give a quick shout out and say I genuinely enjoy reading your articles. Can you recommend any other blogs/websites/forums that deal with the same topics? Thanks for your time!
Sweet site, super pattern, real clean and employ pleasant.
Howdy very cool blog!! Man .. Excellent .. Superb .. I’ll bookmark your blog and take the feeds additionally?
I’m happy to seek out numerous useful information here in the publish, we’d like develop extra
techniques on this regard, thanks for sharing. . . .
. .
jawoo
You really make it seem so easy with your presentation but I find this matter to
be really something which I think I would never understand.
It seems too complicated and extremely broad for me.
I am looking forward for your next post, I’ll try
to get the hang of it!
You really make it appear really easy along with your presentation however
I find this matter to be actually something which I believe I’d
by no means understand. It kind of feels too complex and extremely broad for me.
I am looking ahead to your subsequent submit, I will attempt to get the cling of it!
It’s in reality a great and useful piece of information. I’m happy that you simply shared
this useful info with us. Please stay us informed like this.
Thanks for sharing.
Hello very nice site!! Man .. Beautiful .. Amazing ..
I’ll bookmark yor web sitge and take the feeds also?
I am glad to sewek out numerous useful information here within the publish, we need work
out more techniques in this regard, thanks for sharing.
. . . . .
My page Website
Do you mind if I quote a few of your articles as long as I provide credit and sources back to your site? My website is in the exact same niche as yours and my users would certainly benefit from some of the information you provide here. Please let me know if this okay with you. Appreciate it!
My family members all the time say that
I am killing my time here at net, but I know
I am getting know-how daily by reading such good posts.
Hmm is anyone else having problems with the pictures on this blog loading? I’m trying to determine if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.
Hello to all, it’s in fact a fastidious for me to pay a visit this website, it
includes priceless Information.
Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something.
I think that you could do with some pics to drive the message home a little bit, but instead of that, this is magnificent blog.
A great read. I’ll definitely be back.
Howdy! I’m at work surfing around your blog from my new iphone 4!
Just wanted to say I love reading through your blog and look forward to all your posts!
Keep up the excellent work!
After all, what a great site and informative posts, I will upload inbound link – bookmark this web site? Regards, Reader.
You have made your point extremely well!.
Hey there would you mind letting me know which web host you’re utilizing? I’ve loaded your blog in 3 completely different browsers and I must say this blog loads a lot quicker then most. Can you recommend a good internet hosting provider at a honest price? Cheers, I appreciate it!
hi!,I really like your writing very much! share we keep up a correspondence extra approximately your post on AOL? I need an expert in this space to resolve my problem. May be that is you! Looking ahead to peer you.
Thank you a lot for providing individuals with an extraordinarily terrific opportunity to read from here. It is usually very superb plus packed with amusement for me personally and my office fellow workers to search your blog at the least 3 times in one week to find out the latest issues you have got. And lastly, I’m just always impressed for the special thoughts you serve. Selected 1 ideas in this article are unquestionably the finest I have had.
Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.
Generally I do not learn post on blogs, but I would like to say that this write-up very forced me to check out and do it! Your writing taste has been surprised me. Thanks, quite great post.
I’d should examine with you here. Which is not one thing I often do! I enjoy studying a publish that will make folks think. Additionally, thanks for allowing me to remark!
Real fantastic info can be found on blog.
Hey there! Do you use Twitter? I’d like to follow you if that would be ok. I’m undoubtedly enjoying your blog and look forward to new updates.
Thanks for every other informative web site.
Where else may I get that type of information written in such an ideal
way? I have a undertaking that I’m simply now running on, and
I’ve been at the glance out for such info.
Hello. excellent job. I did not expect this. This is a fantastic story. Thanks!
I could not refrain from commenting. Perfectly written!
As a Newbie, I am permanently searching online for articles that can help me. Thank you
Some truly nice and utilitarian information on this web site, too I believe the design and style has got wonderful features.
This really answered my problem, thank you!
F*ckin’ tremendous issues here. I am very glad to see your post. Thank you so much and i’m taking a look ahead to touch you. Will you please drop me a mail?
Rattling clear web site, appreciate it for this post.
What’s Happening i’m new to this, I stumbled upon this I’ve discovered It absolutely helpful and it has helped me out loads. I’m hoping to contribute & assist other customers like its aided me. Great job.
Write more, thats all I have to say. Literally, it seems as though
you relied on the video to make your point. You obviously
know what youre talking about, why waste your intelligence on just posting videos to your weblog when you
could be giving us something informative to
read?
House Lawyers… […]just below, are some totally unrelated sites to ours, however, they are definitely worth checking outFence contractor Tauranga
Howdy! This post couldn’t be written any better! Reading through this post reminds me of my old room
mate! He always kept chatting about this. I
will forward this post to him. Pretty sure he will have a good read.
Many thanks for sharing!
Some really choice content on this internet site, saved to bookmarks.
It is really a nice and useful piece of information. I’m glad that you shared this helpful info with us. Please keep us informed like this. Thank you for sharing.
I’ve recently started a website, the information you provide on this website has helped me greatly. Thank you for all of your time & work.
Hello very cool site!! Guy .. Excellent ..
Superb .. I will bookmark your site and take the feeds additionally?
I am glad to seek out so many useful info here in the submit, we want develop extra strategies in this regard,
thank you for sharing. . . . . .
Excellent post. I was checking continuously this weblog and I am impressed!
Very useful info specially the final section 🙂 I maintain such
information much. I was seeking this particular information for a very long
time. Thank you and best of luck.
Hey very nice web site!! Man .. Beautiful .. Amazing .. I will bookmark your blog and take the feeds also…I am happy to find numerous useful info here in the post, we need work out more techniques in this regard, thanks for sharing. . . . . .
Regards for helping out, superb info .