{"id":2044,"date":"2024-05-31T20:11:42","date_gmt":"2024-05-31T18:11:42","guid":{"rendered":"https:\/\/ratingagency.cerved.com\/?p=2044"},"modified":"2024-06-01T18:10:45","modified_gmt":"2024-06-01T16:10:45","slug":"default-study-2024","status":"publish","type":"post","link":"https:\/\/ratingagency.cerved.com\/default-study-2024\/","title":{"rendered":"Default Study 2024\u00a0"},"content":{"rendered":"\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-e524df8a wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h4 class=\"wp-block-heading is-style-content-subtitle is-style-heading-content-subtitle\"><strong>Scarica il Default Study 2024 per approfondire l\u2019analisi di Cerved Rating Agency sui portafogli delle imprese non finanziare con rating creditizio. L\u2019analisi include un focus dedicato alle Piccole e Medie Imprese (PMI) italiane<\/strong><\/h4>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-e53a1342 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p>Cerved Rating Agency, sulla base delle serie storiche delle entit\u00e0 valutate e della relativa esperienza di default, ha redatto la decima versione del documento di ricerca Default Study. La ricerca prende in considerazione oltre 500.000 imprese non finanziarie valutate dal 2008 al 2022 e le evidenze di default fino alla fine del 2023, fornendo dettagli sulla distribuzione del portafoglio per dimensione, settore e area geografica. Vengono inoltre riportate statistiche di lungo periodo sui tassi di default empirici, analizzando anche il potere discriminante dei rating emessi e le matrici di transizione&nbsp;  <\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"643\" height=\"289\" src=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png\" alt=\"\" class=\"wp-image-2045\" srcset=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png 643w, https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image-300x135.png 300w\" sizes=\"auto, (max-width: 643px) 100vw, 643px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<h4 class=\"wp-block-heading is-style-heading-sidebar-section\">KEY TAKEAWAYS<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>95% degli oltre 16 mila default dal 2009 al 2023 imputabili a controparti con rating Speculative Grade&nbsp;<\/li>\n\n\n\n<li>Percentuale di conferma dei rating emessi y\/y intorno al 70%, allineato ai livelli pre-pandemici&nbsp;<\/li>\n\n\n\n<li>Tassi di default empirici in leggero aumento, intorno allo 0,62% a dicembre 2023. Tassi di default di lungo periodo pari al 3,14%&nbsp;<\/li>\n\n\n\n<li>Grandi imprese caratterizzate da tassi di default inferiori rispetto alle PMI e ancora in calo, pari allo 0,30%; in risalita il tasso di default per le PMI pari a 0,75% a dicembre 2023&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading is-style-heading-sidebar-section\">RESOURCES<\/h4>\n\n\n\n<div class=\"wp-block-download-with-form-download-with-form\">\n\t\n\t<div class=\"wp-block-button is-style-fill dwf_container\">\n\t\t<h4 style=\"margin-bottom:16px;\">CRA Default Study_2024<\/h4>\n\n\t\t<button class=\"wp-block-button__link wp-element-button\" data-name=\"CRA-Default-Study-2024\" id=\"dwf_btn_download_2052\" data-mediaid=\"2052\">Download<\/button>\n\t<\/div>\n<\/div>\n<script>\n\tvar dwf_download = (url, fileName, type = \"text\/plain\") => {\n\t\tlet dwf_a = document.createElement(\"a\");\n\t\tdwf_a.style.display = \"none\";\n\t\tdocument.body.appendChild(dwf_a);\n\t\tdwf_a.href = url\n\t\tdwf_a.setAttribute(\"download\", fileName);\n\t\tdwf_a.click();\n\t\twindow.URL.revokeObjectURL(dwf_a.href);\n\t\tdocument.body.removeChild(dwf_a);\n\t}\n\n\tvar dwf_uuid = () => {\n\t\tvar d = new Date().getTime();\n\t\tif (typeof performance !== 'undefined' && typeof performance.now === 'function') {\n\t\t\td += performance.now();\n\t\t}\n\t\tvar uuid = 'xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx'.replace(\/[xy]\/g, function(c) {\n\t\t\tvar r = (d + Math.random() * 16) % 16 | 0;\n\t\t\td = Math.floor(d \/ 16);\n\t\t\treturn (c === 'x' ? r : (r & 0x3 | 0x8)).toString(16);\n\t\t});\n\t\treturn uuid;\n\t}\n\n\tfunction getQueryParams() {\n\t\tconst params = new URLSearchParams(window.location.search);\n\t\treturn {\n\t\t\tutm_source: params.get('utm_source'),\n\t\t\tutm_medium: params.get('utm_medium'),\n\t\t\tutm_campaign: params.get('utm_campaign')\n\t\t};\n\t}\n\n\t\/\/ Funzione per costruire la nuova URL con i parametri UTM\n\tfunction buildUrlWithUtm(baseUrl, queryParams) {\n\t\tlet url = new URL(baseUrl, window.location.origin);\n\t\tif (queryParams.utm_source) {\n\t\t\turl.searchParams.append('utm_source', queryParams.utm_source);\n\t\t}\n\t\tif (queryParams.utm_medium) {\n\t\t\turl.searchParams.append('utm_medium', queryParams.utm_medium);\n\t\t}\n\t\tif (queryParams.utm_campaign) {\n\t\t\turl.searchParams.append('utm_campaign', queryParams.utm_campaign);\n\t\t}\n\t\treturn url.toString();\n\t}\n\n\tdocument.querySelector('#dwf_btn_download_2052').addEventListener('click', (e) => {\n\t\tvar dwf_userId = localStorage.getItem(\"dwf_userId\");\n\t\tif (!dwf_userId) {\n\t\t\tdwf_userId = dwf_uuid();\n\t\t\tlocalStorage.setItem(\"dwf_userId\", dwf_userId);\n\t\t}\n\n\t\tasync function dwf_get_FileData($mediaId) {\n\t\t\tlet dwf_url_download = '\/api\/dwf\/download\/' + $mediaId + '\/' + dwf_userId;\n\t\t\ttry {\n\t\t\t\tlet res = await fetch(dwf_url_download);\n\t\t\t\treturn await res.json();\n\t\t\t} catch (error) {\n\t\t\t\tconsole.log(error);\n\t\t\t}\n\t\t}\n\n\t\tasync function dwf_render_fileData() {\n\t\t\tlet mediaId = e.target.dataset.mediaid;\n\t\t\tlet fileName = e.target.dataset.name;\n\t\t\tlet fileData = await dwf_get_FileData(mediaId);\n\t\t\tconst queryParams = getQueryParams();\n\t\t\tif (fileData['blocked']) {\n\t\t\t\twindow.location.href = buildUrlWithUtm('\/fileDownload\/' + mediaId + '\/' + dwf_userId, queryParams);\n\t\t\t} else {\n\t\t\t\tdwf_download(fileData['fileUrl'], fileName);\n\t\t\t}\n\t\t}\n\t\tdwf_render_fileData();\n\t})\n\t<\/script>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading is-style-heading-sidebar-section\">TOPICS<\/h4>\n\n\n<div class=\"taxonomy-category is-style-box-terms wp-block-post-terms\"><a href=\"https:\/\/ratingagency.cerved.com\/category\/research\/\" rel=\"tag\">Research<\/a><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Scarica il Default Study 2024 per approfondire l\u2019analisi di Cerved Rating Agency sui portafogli delle imprese non finanziare con rating creditizio. L\u2019analisi include un focus dedicato alle Piccole e Medie Imprese (PMI) italiane Cerved Rating Agency, sulla base delle serie storiche delle entit\u00e0 valutate e della relativa esperienza di default, ha redatto la decima versione [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_slider_image_ID":0,"_reading_time":"","footnotes":""},"categories":[3],"tags":[],"element":[5],"class_list":["post-2044","post","type-post","status-publish","format-standard","hentry","category-research","element-analysis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Default Study 2024\u00a0 - Cerved Rating Agency<\/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:\/\/ratingagency.cerved.com\/default-study-2024\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Default Study 2024\u00a0 - Cerved Rating Agency\" \/>\n<meta property=\"og:description\" content=\"Scarica il Default Study 2024 per approfondire l\u2019analisi di Cerved Rating Agency sui portafogli delle imprese non finanziare con rating creditizio. L\u2019analisi include un focus dedicato alle Piccole e Medie Imprese (PMI) italiane Cerved Rating Agency, sulla base delle serie storiche delle entit\u00e0 valutate e della relativa esperienza di default, ha redatto la decima versione [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ratingagency.cerved.com\/default-study-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"Cerved Rating Agency\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-31T18:11:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-01T16:10:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png\" \/>\n<meta name=\"author\" content=\"federicozotti\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"federicozotti\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/\"},\"author\":{\"name\":\"federicozotti\",\"@id\":\"https:\/\/ratingagency.cerved.com\/#\/schema\/person\/42f916876531b7559d993a9138aa8456\"},\"headline\":\"Default Study 2024\u00a0\",\"datePublished\":\"2024-05-31T18:11:42+00:00\",\"dateModified\":\"2024-06-01T16:10:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/\"},\"wordCount\":207,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png\",\"articleSection\":[\"Research\"],\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/\",\"url\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/\",\"name\":\"Default Study 2024\u00a0 - Cerved Rating Agency\",\"isPartOf\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png\",\"datePublished\":\"2024-05-31T18:11:42+00:00\",\"dateModified\":\"2024-06-01T16:10:45+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#breadcrumb\"},\"inLanguage\":\"it-IT\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ratingagency.cerved.com\/default-study-2024\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage\",\"url\":\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png\",\"contentUrl\":\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png\",\"width\":643,\"height\":289},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ratingagency.cerved.com\/default-study-2024\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ratingagency.cerved.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Default Study 2024\u00a0\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ratingagency.cerved.com\/#website\",\"url\":\"https:\/\/ratingagency.cerved.com\/\",\"name\":\"Cerved Rating Agency\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ratingagency.cerved.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"it-IT\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ratingagency.cerved.com\/#organization\",\"name\":\"Cerved Rating Agency\",\"url\":\"https:\/\/ratingagency.cerved.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/ratingagency.cerved.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/03\/favicon-1.png\",\"contentUrl\":\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/03\/favicon-1.png\",\"width\":512,\"height\":512,\"caption\":\"Cerved Rating Agency\"},\"image\":{\"@id\":\"https:\/\/ratingagency.cerved.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/ratingagency.cerved.com\/#\/schema\/person\/42f916876531b7559d993a9138aa8456\",\"name\":\"federicozotti\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"it-IT\",\"@id\":\"https:\/\/ratingagency.cerved.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f533184f5ba8d358bbc34eb95f7b5e4bed71a54e0c17581f0a0d648350f6a26c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f533184f5ba8d358bbc34eb95f7b5e4bed71a54e0c17581f0a0d648350f6a26c?s=96&d=mm&r=g\",\"caption\":\"federicozotti\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Default Study 2024\u00a0 - Cerved Rating Agency","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ratingagency.cerved.com\/default-study-2024\/","og_locale":"it_IT","og_type":"article","og_title":"Default Study 2024\u00a0 - Cerved Rating Agency","og_description":"Scarica il Default Study 2024 per approfondire l\u2019analisi di Cerved Rating Agency sui portafogli delle imprese non finanziare con rating creditizio. L\u2019analisi include un focus dedicato alle Piccole e Medie Imprese (PMI) italiane Cerved Rating Agency, sulla base delle serie storiche delle entit\u00e0 valutate e della relativa esperienza di default, ha redatto la decima versione [&hellip;]","og_url":"https:\/\/ratingagency.cerved.com\/default-study-2024\/","og_site_name":"Cerved Rating Agency","article_published_time":"2024-05-31T18:11:42+00:00","article_modified_time":"2024-06-01T16:10:45+00:00","og_image":[{"url":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png","type":"","width":"","height":""}],"author":"federicozotti","twitter_card":"summary_large_image","twitter_misc":{"Written by":"federicozotti","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#article","isPartOf":{"@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/"},"author":{"name":"federicozotti","@id":"https:\/\/ratingagency.cerved.com\/#\/schema\/person\/42f916876531b7559d993a9138aa8456"},"headline":"Default Study 2024\u00a0","datePublished":"2024-05-31T18:11:42+00:00","dateModified":"2024-06-01T16:10:45+00:00","mainEntityOfPage":{"@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/"},"wordCount":207,"commentCount":0,"publisher":{"@id":"https:\/\/ratingagency.cerved.com\/#organization"},"image":{"@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage"},"thumbnailUrl":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png","articleSection":["Research"],"inLanguage":"it-IT","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/ratingagency.cerved.com\/default-study-2024\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/","url":"https:\/\/ratingagency.cerved.com\/default-study-2024\/","name":"Default Study 2024\u00a0 - Cerved Rating Agency","isPartOf":{"@id":"https:\/\/ratingagency.cerved.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage"},"image":{"@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage"},"thumbnailUrl":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png","datePublished":"2024-05-31T18:11:42+00:00","dateModified":"2024-06-01T16:10:45+00:00","breadcrumb":{"@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#breadcrumb"},"inLanguage":"it-IT","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ratingagency.cerved.com\/default-study-2024\/"]}]},{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#primaryimage","url":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png","contentUrl":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/05\/image.png","width":643,"height":289},{"@type":"BreadcrumbList","@id":"https:\/\/ratingagency.cerved.com\/default-study-2024\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ratingagency.cerved.com\/"},{"@type":"ListItem","position":2,"name":"Default Study 2024\u00a0"}]},{"@type":"WebSite","@id":"https:\/\/ratingagency.cerved.com\/#website","url":"https:\/\/ratingagency.cerved.com\/","name":"Cerved Rating Agency","description":"","publisher":{"@id":"https:\/\/ratingagency.cerved.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ratingagency.cerved.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"it-IT"},{"@type":"Organization","@id":"https:\/\/ratingagency.cerved.com\/#organization","name":"Cerved Rating Agency","url":"https:\/\/ratingagency.cerved.com\/","logo":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/ratingagency.cerved.com\/#\/schema\/logo\/image\/","url":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/03\/favicon-1.png","contentUrl":"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/03\/favicon-1.png","width":512,"height":512,"caption":"Cerved Rating Agency"},"image":{"@id":"https:\/\/ratingagency.cerved.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/ratingagency.cerved.com\/#\/schema\/person\/42f916876531b7559d993a9138aa8456","name":"federicozotti","image":{"@type":"ImageObject","inLanguage":"it-IT","@id":"https:\/\/ratingagency.cerved.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f533184f5ba8d358bbc34eb95f7b5e4bed71a54e0c17581f0a0d648350f6a26c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f533184f5ba8d358bbc34eb95f7b5e4bed71a54e0c17581f0a0d648350f6a26c?s=96&d=mm&r=g","caption":"federicozotti"}}]}},"_links":{"self":[{"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/posts\/2044","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/comments?post=2044"}],"version-history":[{"count":4,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/posts\/2044\/revisions"}],"predecessor-version":[{"id":2054,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/posts\/2044\/revisions\/2054"}],"wp:attachment":[{"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/media?parent=2044"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/categories?post=2044"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/tags?post=2044"},{"taxonomy":"element","embeddable":true,"href":"https:\/\/ratingagency.cerved.com\/api\/wp\/v2\/element?post=2044"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}