{"id":19051,"date":"2020-05-12T13:05:55","date_gmt":"2020-05-12T11:05:55","guid":{"rendered":"https:\/\/fefac.cat\/empresarial\/?p=19051"},"modified":"2020-05-14T11:41:33","modified_gmt":"2020-05-14T09:41:33","slug":"resultats-enquesta-pimec-condicions-financament-ico","status":"publish","type":"post","link":"https:\/\/fefac.cat\/empresarial\/resultats-enquesta-pimec-condicions-financament-ico\/","title":{"rendered":"Resultats de l&#8217;enquesta de PIMEC sobre les condicions de finan\u00e7ament de la l\u00ednia de cr\u00e8dits ICO Covid-19"},"content":{"rendered":"\n<p>PIMEC ha publicat els resultats de <strong><em><a href=\"https:\/\/fefac.cat\/empresarial\/wp-content\/uploads\/2020\/05\/Enquesta-PIMEC-ICO.pdf\"><span style=\"text-decoration: underline\">l\u2019enquesta realitzada per con\u00e8ixer les condicions de finan\u00e7ament de la l\u00ednia de cr\u00e8dits amb aval de l\u2019ICO, <\/span><\/a><\/em><\/strong>habilitada pel Govern de l\u2019Estat per donar resposta a les necessitats de les empreses afectades per la crisi de la Covid-19.<\/p>\n\n\n\n<p><strong>L\u2019enquesta <\/strong>s\u2019ha realitzat a pimes i aut\u00f2noms entre els dies 21 i 27 d\u2019abril i ha perm\u00e8s recollir <strong>432 respostes v\u00e0lides<\/strong>, que s\u2019han segmentat sectorialment, territorialment i per dimensions d\u2019empresa. Tamb\u00e9 s\u2019han segmentat els resultats per entitat financera, recollint-se els resultats de les entitats per les quals s\u2019ha obtingut m\u00e9s informaci\u00f3 quant a nombre d\u2019operacions i que han estat Caixabank, Banc Sabadell, BBVA i Banco de Santander.<\/p>\n\n\n\n<p>Els principals resultats de l\u2019enquesta s\u00f3n:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les <strong>pimes i aut\u00f2noms han demanat finan\u00e7ament per un import mitj\u00e0 de 195.000 \u20ac, <\/strong>cosa que representa un 9,3% del volum total de la seva facturaci\u00f3 mitjana. El <strong>Banco de Santander<\/strong> \u00e9s l\u2019entitat amb un <strong>valor mitj\u00e0 de finan\u00e7ament m\u00e9s alt<\/strong>: 310.000\u20ac.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>La modalitat de finan\u00e7ament m\u00e9s formalitzada \u00e9s el<strong> pr\u00e9stec a 60 mesos (5 anys)<\/strong>, sol\u00b7licitada en un <strong>73% <\/strong>de les operacions realitzades.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>El nou finan\u00e7ament obtingut per un <strong>15,9% de les pimes i aut\u00f2noms ha servit per compensar altres productes financers <\/strong>que ja tenien concedits anteriorment, per un import mitj\u00e0 que representa el 36,6% del total del finan\u00e7ament contractat. Les dues entitats que aporten proporcionalment <strong>m\u00e9s finan\u00e7ament nou s\u00f3n Caixabank i Santander.<\/strong><\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Gaireb\u00e9 tres de cada quatre operacions s\u2019han formalitzat amb<strong> tipus d\u2019inter\u00e8s fix,<\/strong> amb una mitjana de tipus del 2,12%, i en alguns casos s\u2019ha arribat fins al 6%.<strong> L\u2019interval m\u00e9s habitual se situa entre l\u20191\u20195% i el 3%<\/strong> i el tipus m\u00e9s habitual en l\u20191,5%. Les entitats que apliquen uns<strong> tipus fixos m\u00e9s elevats s\u00f3n el BBVA i el Banc Sabadell<\/strong> (2,53% i 2,26% de mitjana, respectivament), mentre que <strong>Banco Santander i Caixabank s\u00f3n les que apliquen uns percentatges m\u00e9s baixos<\/strong> (2,19% i 1,77%, respectivament), tot i que en aquest darrer cas s\u2019observa el tipus m\u00e9s elevat.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Un<strong> 26,7% de les operacions s\u2019han contractat amb tipus d\u2019inter\u00e8s variable, <\/strong>amb l\u2019aplicaci\u00f3 d\u2019un diferencial sobre l\u2019Eur\u00edbor d\u20191,95% de mitjana. En alguns casos s\u2019ha arribat a un m\u00e0xim del 4,6%. Les entitats que apliquen un diferencial m\u00e9s elevat sobre l\u2019eur\u00edbor s\u00f3n el BBVA (2,42% de mitjana) i Sabadell (2,11%). Santander (1,97%) i Caixabank (1,58%) s\u00f3n les que tenen la mitjana de diferencial m\u00e9s baix, tot i que tenen tamb\u00e9 els diferencials m\u00e0xims m\u00e9s elevats.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>A un <strong>88,8% de les pimes i aut\u00f2noms se li ha aplicat comissi\u00f3 d\u2019obertura en el finan\u00e7ament subscrit, de 0,37% de mitjana, <\/strong>i a un 80,5%, comissi\u00f3 d\u2019amortitzaci\u00f3 anticipada, d\u2019un 1,00% de mitjana. <strong>Santander i Sabadell s\u00f3n les entitats que apliquen una comissi\u00f3 d\u2019obertura m\u00e9s elevada<\/strong> (0,92 i 0,67% de mitjana, respectivament) enfront del 0,20% de Caixabank i BBVA. Per contra, <strong>Caixabank \u00e9s l\u2019entitat que aplica una comissi\u00f3 d\u2019amortitzaci\u00f3 anticipada m\u00e9s alta<\/strong> (1,17%), mentre que en la resta se situa en un 0,9% de mitjana.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>A un 11,5% de les pimes i aut\u00f2noms les entitats financeres els han obligat a <strong>contractar productes accessoris<\/strong>, sobretot assegurances de vida. L\u2019entitat que m\u00e9s ha aplicat l\u2019obligaci\u00f3 de contractar productes accessoris ha estat el Banco de Santander (16,2%).<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Les pimes i aut\u00f2noms triguen de mitjana uns <strong>12 dies a rebre l\u2019abonament dels pr\u00e9stecs <\/strong>des de la signatura dels contractes, i a una de cada quatre se li cobren les comissions banc\u00e0ries abans de fer-se efectiu l\u2019ingr\u00e9s en el seu compte. Les entitats on m\u00e9s retard en el pagament es detecta s\u00f3n, per aquest ordre, Caixabank, Santander i Sabadell, mentre que el Banco de Santander \u00e9s l\u2019entitat que m\u00e9s ha dut a terme la pr\u00e0ctica de cobrar comissions abans de fer-se efectiu l\u2019abonament en compte.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>PIMEC ha publicat els resultats de l\u2019enquesta realitzada per con\u00e8ixer les condicions de finan\u00e7ament de la l\u00ednia de cr\u00e8dits amb aval de l\u2019ICO, habilitada pel Govern de l\u2019Estat per donar resposta a les necessitats de les empreses afectades per la crisi de la Covid-19.<\/p>\n","protected":false},"author":2313,"featured_media":505,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[2245,2267,2066,10,11],"tags":[138,280,762,2154,2223,2244],"class_list":["post-19051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-covid-19","category-subvencions-covid-19","category-categoria-actualitat","category-empresarials","category-fefac","tag-subvencions","tag-pimec","tag-ajuts","tag-autonoms-pimec","tag-coronavirus","tag-covid-19"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Enquesta de PIMEC sobre les condicions de finan\u00e7ament ICO<\/title>\n<meta name=\"description\" content=\"PIMEC ha publicat els resultats de l\u2019enquesta realitzada per con\u00e8ixer 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