El Seguro de Crédito: Cobertura contra el impago de clientes nacionales y extranjeros

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Tan importante como tomar la decisión de proteger sus ventas, también es clave estar informado sobre la evolución de los sectores de actividad, la situación de economías donde las empresas desarrollan sus negocios y el comportamiento de impagos en los mismos.

Las cuentas por cobrar son un activo mucho más volátil y vulnerable a contextos político-económicos nacionales y extranjeros, que el resto de los activos que son asegurados en forma más frecuente.

Independientemente del sector de actividad o el mercado donde una empresa comercialice y distribuya sus productos, son varios los factores que determinan el éxito, el crecimiento en las ventas, la rentabilidad y la estabilidad del negocio.

En un mundo cada vez más globalizado, las economías y las empresas que interactúan entre si cuentan con socios comerciales, accionistas, proveedores y clientes distribuido en distintos países con contextos político-económicos también dispares.

Las empresas que contratan un seguro de crédito para cubrirse del impago de sus clientes nacionales e internacionales, están invirtiendo en la estabilidad y rentabilidad de su negocio en el corto y largo plazo. Pueden ser más ágiles y flexibles a la hora de incrementar su cartera de clientes o incorporar nuevos mercados, siendo también más innovadoras frente a una competencia globalizada y cada vez más profesional.

Tan importante como tomar la decisión de proteger sus ventas, también es clave estar informado sobre la evolución de los sectores de actividad, la situación de economías donde las empresas desarrollan sus negocios y el comportamiento de impagos en los mismos.

En un reciente informe sobre el comercio mundial, Euler Hermes – líder mundial en seguro de crédito – menciona que 2015 será el último año en el que el crecimiento del PIB mundial se sitúe por debajo del 3%.

Si bien 2014 fue un año decepcionante marcado por la deflación y con evoluciones económicas muy dispares en los diferentes países, 2015 dependerá de la evolución de demanda, de la liquidez y de las políticas monetarias.

Rusia y Grecia serán grandes desafíos para este año, donde la volatilidad de las tasas de cambio y la falta de crecimiento nominal, supondrán grandes obstáculos para la economía mundial.

Una mezcla preocupante de estancamiento del crecimiento económico, presiones sobre los precios y un exceso de capacidad continuado, hacen que las previsiones inmediatas sobre el comercio mundial sean moderadas en el mejor de los casos, según este informe.

Existen 3 principales razones que han llevado a esta prolongada ralentización del comercio:

  1. los programas de austeridad que han reducido el gasto público, que históricamente había sido un importante componente del crecimiento.
  2. los volúmenes de importaciones y exportaciones en el mundo han descendido, y debido a su naturaleza interconectada, el impacto en las cadenas de suministro es exponencial, lo que a su vez debilita el crecimiento y el comercio mundial.
  3. Lo más importante, el crecimiento del consumo privado y la inversión, los principales ingredientes para la expansión comercial, es como mucho moderado.

 

Por tanto, el comercio internacional / mundial ha dejado de comandar el PIB mundial para pasar a acompañarlo.

Euler Hermes prevé que el comercio internacional nominal crecerá solo un 1,8% este año y un 4,5% en 2016, muy lejos de la expansión del comercio mundial del 12% que se alcanzó anualmente entre 2001 y 2008.

Como resultado, los países tienen un apetito creciente de impulsar su demanda doméstica a través de un enfoque más interno, mientras, en paralelo, están tratando de estimular las exportaciones. Esto corre el riesgo de acabar en un mayor proteccionismo en forma de guerra de divisas, controles tarifarios y otras medidas restrictivas del comercio.

En otro reciente informe relacionado con el índice mundial de insolvencias, Euler Hermes destaca que las insolvencias cayeron un -12% en 2014 como dato positivo.

De todos modos, estos indicadores continúan un 12% por encima de los niveles de pre-crisis financiera de 2008-2009, y cuando el crecimiento y la financiación mundial continúan restringidos en varios países.

En 2014 el DSO (los días promedio de cobranzas) mundial terminó en 73 días cuando se situaba en 69 en 2010, mostrando un constante deterioro que repercute en un incremento del capital de trabajo de los proveedores de bienes y servicios.

Para 2015, Euler Hermes estima que el índice de insolvencias mostrará una nueva caída pero sólo del 3% mientras las turbulencias de algunos mercados continúen afectando el comercio mundial y la economía real.

Las cuentas por cobrar son un activo mucho más volátil y vulnerable a contextos político-económicos nacionales y extranjeros.
Las empresas que contratan un seguro de crédito para cubrirse del impago de sus clientes nacionales e internacionales, están invirtiendo en la estabilidad y rentabilidad de su negocio en el corto y largo plazo.

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  124. Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

  125. Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.

  126. Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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  129. Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.

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