{"id":3247,"date":"2018-09-20T13:27:18","date_gmt":"2018-09-20T13:27:18","guid":{"rendered":"http:\/\/www.ambitassessor.com\/blog\/?p=3247"},"modified":"2018-09-20T13:27:18","modified_gmt":"2018-09-20T13:27:18","slug":"crecemos-de-nuevo-con-desorden-financiero","status":"publish","type":"post","link":"https:\/\/mgiambit.com\/blog\/crecemos-de-nuevo-con-desorden-financiero\/","title":{"rendered":"\u00bfCrecemos de nuevo con desorden financiero?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3250\" src=\"https:\/\/www.ambitassessor.com\/blog\/wp-content\/uploads\/2018\/09\/desorden-financiero-300x196.jpg\" alt=\"\" width=\"1368\" height=\"893\" srcset=\"https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/2018\/09\/desorden-financiero-300x196.jpg 300w, https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/2018\/09\/desorden-financiero-768x502.jpg 768w, https:\/\/mgiambit.com\/blog\/wp-content\/uploads\/2018\/09\/desorden-financiero.jpg 960w\" sizes=\"auto, (max-width: 1368px) 100vw, 1368px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p><em>Es importante vigilar la estructura del Pasivo<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>El Producto Interior Bruto (PIB) de Espa\u00f1a aumenta de manera continuada desde el segundo trimestre de 2014, tres a\u00f1os de crecimiento econ\u00f3mico en este nuevo ciclo, impulsado, entre otras medidas, por el \u201cdinero abundante y barato\u201d del Banco Central Europeo.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-3253 aligncenter\" src=\"https:\/\/www.ambitassessor.com\/blog\/wp-content\/uploads\/2018\/09\/Producto-interior-bruto-300x211.png\" alt=\"\" width=\"399\" height=\"282\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Tras la dura crisis del 2008, en la que desapareci\u00f3 literalmente el cr\u00e9dito y se oblig\u00f3 a familias, empresas e instituciones a reducir su Deuda, lleg\u00f3 de nuevo el dinero f\u00e1cil. \u00bfQui\u00e9n no tiene en su Banco ofertas de pr\u00e9stamos pre-concedidos invit\u00e1ndonos al consumo?<\/p>\n<p>&nbsp;<\/p>\n<p>Pero tras estos a\u00f1os de impulso monetario ya hay mas que rumores sobre un endurecimiento de las pol\u00edticas del BCE, los programas de inyecci\u00f3n de dinero finalizar\u00e1n y los tipos de inter\u00e9s subir\u00e1n, probablemente 2 o 3 puntos. Esto puede suceder en el primer semestre de 2019.<\/p>\n<p>&nbsp;<\/p>\n<p>Con la subida de tipos se especula con una posible ca\u00edda del consumo, y por tanto de las ventas. Ante esta amenaza las empresas debemos tomar las siguientes precauciones:<\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li>Mirar el Pasivo de nuestro Balance y comprobar como han crecido nuestros cr\u00e9ditos. Si existe excesivo endeudamiento a corto plazo destinado a activos fijos (p\u00f3lizas de cr\u00e9dito o descuento de papel para financiar m\u00e1quinas, instalaciones o software, por ejemplo) tenemos hasta fin de a\u00f1o para corregirlo con prestamos a medio plazo (3-5 a\u00f1os).<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<ol start=\"2\">\n<li>Realizar un simple ejercicio de robustez del balance, \u00bfqu\u00e9 nos pasa con la tesorer\u00eda si las ventas caen un 5%, un 10% o un 15%?<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>Si hemos tomado cr\u00e9ditos de forma desordenada y\/o no pasamos el test de robustez del balance debemos tomar acciones correctoras.<\/p>\n<p>&nbsp;<\/p>\n<p>Si tiene alguna duda sobre su situaci\u00f3n cuente con nuestro departamento financiero, siga este enlace y con\u00f3zcanos: <a href=\"https:\/\/www.ambitassessor.com\/areafinanciera\/ca\">https:\/\/www.ambitassessor.com\/areafinanciera\/ca<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<div><span class=\"sitemblogcategorytags\">Tags: <a href='\/blog\/tag\/balance\/' title='balance Tag' class='balance'>balance<\/a><span class='scoma'>, <\/span> <a href='\/blog\/tag\/desorden-financiero\/' title='desorden financiero Tag' class='desorden-financiero'>desorden financiero<\/a><span class='scoma'>, <\/span> <a href='\/blog\/tag\/pasivo\/' title='pasivo Tag' class='pasivo'>pasivo<\/a><span class='scoma'>, <\/span> <a href='\/blog\/tag\/pib\/' title='PIB Tag' class='pib'>PIB<\/a><span class='scoma'>, <\/span> <a href='\/blog\/tag\/tesoreria\/' title='tesorer\u00eda Tag' class='tesoreria'>tesorer\u00eda<\/a><span class='scoma'>, <\/span> <\/span><\/div>","protected":false},"excerpt":{"rendered":"<p>&nbsp; Es importante vigilar la estructura del Pasivo &nbsp; El Producto Interior Bruto (PIB) de Espa\u00f1a aumenta de manera continuada desde el segundo trimestre de 2014, tres a\u00f1os de crecimiento econ\u00f3mico en este nuevo ciclo, impulsado, entre otras medidas, por el \u201cdinero abundante y barato\u201d del Banco Central Europeo. &nbsp; Tras la dura crisis del [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[68],"tags":[119,226,121,227,107],"class_list":["post-3247","post","type-post","status-publish","format-standard","hentry","category-financiero","tag-balance","tag-desorden-financiero","tag-pasivo","tag-pib","tag-tesoreria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfCrecemos de nuevo con desorden financiero? - Ambit Assessor<\/title>\n<meta name=\"description\" content=\"Es importante vigilar la estructura del Pasivo de nuestro balance y comprobar c\u00f3mo han crecido nuestros cr\u00e9ditos. 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