{"id":3963,"date":"2023-01-27T16:47:22","date_gmt":"2023-01-27T15:47:22","guid":{"rendered":"https:\/\/bifelab.com\/area-di-ricerca\/il-rating-di-legalita-nel-rapporto-banca-impresa\/"},"modified":"2023-01-30T14:38:32","modified_gmt":"2023-01-30T13:38:32","slug":"il-rating-di-legalita-nel-rapporto-banca-impresa","status":"publish","type":"avada_portfolio","link":"https:\/\/bifelab.com\/en\/area-di-ricerca\/il-rating-di-legalita-nel-rapporto-banca-impresa\/","title":{"rendered":"Il rating di legalit\u00e0 nel rapporto banca-impresa"},"content":{"rendered":"

Obiettivi<\/strong>. Il paper si prefigge di individuare le caratteristiche delle banche che infuiscono sulla concessione di credito alle imprese dotate di rating di legalit\u00e0.<\/p>\n

Metodologia<\/strong>. Il framework metodologico utilizzato \u00e8 di tipo statistico-econometrico e prevede l\u2019applicazione dell\u2019analisi delle componenti principali, del modello di regressione OLS e del modello di regressione Tobit.<\/p>\n

Risultati<\/strong>. Dall\u2019analisi risulta che un miglioramento delle performance delle banche, espresse in termini di utili e di flussi di cassa, determina un incremento della quota di crediti concessi dalle banche alle imprese dotate di rating di legalit\u00e0, sul totale dei crediti domandati dalle stesse imprese. L\u2019appartenenza ad un gruppo bancario esercita un effetto positivo sulla stessa quota di crediti, al contrario di quanto avvenga per le banche di credito cooperativo o popolari.<\/p>\n

Limiti della ricerca<\/strong>. I principali limiti della ricerca sono riconducibili a: la numerosit\u00e0 del campione oggetto di analisi, associato alla ridotta osservazione di caratteristiche bancarie; all\u2019assenza degli effetti di domanda di credito; all\u2019orizzonte temporale analizzato, che include un solo anno, perch\u00e9 la regolamentazione riguardante il fenomeno osservato \u00e8 stata introdotta nel 2014.<\/p>\n

Implicazioni pratiche<\/strong>. Lo studio evidenzia che una maggiore attenzione da parte degli intermediari verso le risorse intangibili delle imprese \u00e8 influenzato dalle performance conseguite e da caratteristiche strutturali dell\u2019entit\u00e0 sistemica.<\/p>\n

Originalit\u00e0 del lavoro<\/strong>. La letteratura esistente in ambito manageriale risente della mancanza di un filone di ricerca sul tema del rating di legalit\u00e0. In tale ambito lo studio risultando innovativo fornisce numerosi spunti da sviluppare in ricerche future.<\/p>\n

Parole chiave<\/strong>: Rating di legalit\u00e0; intangibile asset; reputazione; creazione di valore; credito bancario; modello di regressione.<\/p>\n","protected":false},"excerpt":{"rendered":"

Cite: Formisano Vincenzo, Fedele Maria, Pietrovito Filomena (2017). Il rating di legalita\u0300 nel rapporto banca-impresa. In: Sinergie – Sima 2017 Conference Referred Electronic Conference Proceeding “Value co-creation: management challenges for business and society”. pp. 713-732, Verona:Sinergie Journal, ISBN: 97888907394-8-4, Universita\u0300 di Napoli Federico II, 15-16\/06\/2017, doi: 10.7433\/SRECP.FP.2017.45<\/p>\n","protected":false},"author":5,"featured_media":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","format":"standard","meta":{"footnotes":""},"portfolio_category":[105],"portfolio_skills":[],"portfolio_tags":[],"yoast_head":"\nIl rating di legalit\u00e0 nel rapporto banca-impresa - BifeLab<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bifelab.com\/en\/area-di-ricerca\/il-rating-di-legalita-nel-rapporto-banca-impresa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Il rating di legalit\u00e0 nel rapporto banca-impresa - BifeLab\" \/>\n<meta property=\"og:description\" content=\"Cite: Formisano Vincenzo, Fedele Maria, Pietrovito Filomena (2017). 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