{"id":2478,"date":"2024-10-15T12:05:13","date_gmt":"2024-10-15T10:05:13","guid":{"rendered":"https:\/\/ratingagency.cerved.com\/?p=2478"},"modified":"2025-02-20T16:55:38","modified_gmt":"2025-02-20T15:55:38","slug":"imprese-familiari-italiane-piu-solide-e-meno-rischiose","status":"publish","type":"post","link":"https:\/\/ratingagency.cerved.com\/imprese-familiari-italiane-piu-solide-e-meno-rischiose\/","title":{"rendered":"Imprese familiari italiane: pi\u00f9 solide e meno rischiose\u00a0"},"content":{"rendered":"\n<p><\/p>\n\n\n\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\">I dati della ricerca sono stati presentati durante il webinar \u201cESG Connect Insight Series &#8211; Merito creditizio e profilo di sostenibilit\u00e0 delle imprese familiari&#8221;\u00a0<\/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>  <\/p>\n\n\n\n<p>Le imprese familiari italiane mostrano una solidit\u00e0 patrimoniale e una sostenibilit\u00e0 finanziaria migliore rispetto alle non familiari. Inoltre, a fronte di marginalit\u00e0 e propensione a investire molto simili, sono meno rischiose (la probabilit\u00e0 di default media \u00e8 del 5,78% contro il 6,3%, con una differenza dell\u20198%), soprattutto quelle che esportano di pi\u00f9. Analizzando invece il profilo di sostenibilit\u00e0, si osserva come le imprese familiari mostrerebbero ampi spazi di miglioramento riguardo la componente governance.. \u00c8 quanto emerge da uno studio condotto su dati di giugno 2024 su un campione di circa 14 mila imprese con rating creditizio e presentati durante il webinar \u201cESG Connect Insight Series \u2013 Merito creditizio e profilo di sostenibilit\u00e0 delle imprese familiari\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La solidit\u00e0 patrimoniale<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>Partendo da un campione robusto di circa 14 mila imprese con rating di credito in essere e comparando le performance di bilancio delle imprese familiari con quelle non familiari, emerge come le prime esprimano una solidit\u00e0 patrimoniale maggiore (patrimonio netto\/attivo 32,8% contro 29,6%), una migliore capacit\u00e0 di sostenere gli oneri finanziari tramite il proprio risultato operativo (ebit interest coverage 6.9x contro 5.3x), una marginalit\u00e0 simile (ebitda margin 8,2% contro 8,0%) e una propensione agli investimenti equivalente (capex su ricavi 2.1% contro 2.2%). Si denota altres\u00ec, una minor dinamicit\u00e0 nella crescita dei ricavi, come mostra l\u2019analisi dei bilanci degli ultimi 3 anni disponibili.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La sostenibilit\u00e0<\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>La seconda area che lo studio ha indagato riguarda il profilo di sostenibilit\u00e0: sfruttando un campione di oltre 2.000 imprese con valutazione ESG effettuata da Cerved Rating Agency e analizzando le tre componenti E, S e G della sostenibilit\u00e0, emerge come sugli aspetti di Governance, per\u00f2, le imprese familiari potrebbero migliorare, avviando percorsi virtuosi di crescita in chiave sostenibile.<\/p>\n\n\n\n<p>Vuoi saperne di pi\u00f9? Scarica la ricerca completa.<\/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=\"1004\" height=\"565\" src=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/10\/image.png\" alt=\"\" class=\"wp-image-2479\" srcset=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/10\/image.png 1004w, https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/10\/image-300x169.png 300w, https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2024\/10\/image-768x432.png 768w\" sizes=\"auto, (max-width: 1004px) 100vw, 1004px\" \/><\/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><strong>Rilevanti per il tessuto economico nazionale<\/strong>: circa l\u201981% del tessuto economico italiano \u00e8 costituito da imprese a gestione familiare. Rilevanza maggiore nel settore turistico, nelle costruzioni, nel tessile e nell\u2019abbigliamento.<\/li>\n\n\n\n<li><strong>Performance di bilancio positive<\/strong>: le imprese familiari mostrano una solidit\u00e0 patrimoniale e una sostenibilit\u00e0 finanziaria migliore rispetto alle non familiari, mentre la marginalit\u00e0 e la propensione ad investire sono simili.<\/li>\n\n\n\n<li><strong>Rischio di credito inferiore rispetto alle imprese non familiari<\/strong>: le imprese familiari hanno una probabilit\u00e0 di default inferiore per tutte le classi dimensionali e per tutti i settori ad eccezione del comparto energetico\/utilities<\/li>\n\n\n\n<li><strong>L\u2019export come un fattore di stabilit\u00e0 e competitivit\u00e0 per le imprese familiari<\/strong>: le imprese con maggiore propensione all\u2019export si sono mostrate pi\u00f9 resilienti dal punto di vista creditizio negli ultimi 4 anni<\/li>\n\n\n\n<li><strong>Sostenibilit\u00e0 ambientale e sociale in linea con le non familiari, aspetti di governance da migliorare<\/strong>: valutazioni comparabili per la componente Environmental e Social ma aspetti di Governance da migliorare<\/li>\n\n\n\n<li><strong>Imprese familiari meno rischiose laddove la sostenibilit\u00e0 \u00e8 pi\u00f9 alta<\/strong>: si riscontra una corrispondenza fra rischio di credito e sostenibilit\u00e0 per le imprese familiari ma sussiste eterogeneit\u00e0 fra le diverse aree del Paese<\/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;\">Imprese familiari webinar deck<\/h4>\n\n\t\t<button class=\"wp-block-button__link wp-element-button\" data-name=\"Imprese-familiari-webinar-deck\" id=\"dwf_btn_download_2482\" data-mediaid=\"2482\">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_2482').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 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;\">Executive summary Imprese familiari<\/h4>\n\n\t\t<button class=\"wp-block-button__link wp-element-button\" data-name=\"Executive-summary-Imprese-familiari\" id=\"dwf_btn_download_2487\" data-mediaid=\"2487\">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_2487').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>I dati della ricerca sono stati presentati durante il webinar \u201cESG Connect Insight Series &#8211; Merito creditizio e profilo di sostenibilit\u00e0 delle imprese familiari&#8221;\u00a0 Le imprese familiari italiane mostrano una solidit\u00e0 patrimoniale e una sostenibilit\u00e0 finanziaria migliore rispetto alle non familiari. Inoltre, a fronte di marginalit\u00e0 e propensione a investire molto simili, sono meno rischiose [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_slider_image_ID":539,"_reading_time":"","footnotes":""},"categories":[3],"tags":[12],"element":[5],"class_list":["post-2478","post","type-post","status-publish","format-standard","hentry","category-research","tag-esg","element-analysis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Imprese familiari italiane: pi\u00f9 solide e meno rischiose\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\/imprese-familiari-italiane-piu-solide-e-meno-rischiose\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Imprese familiari italiane: pi\u00f9 solide e meno rischiose\u00a0 - Cerved Rating Agency\" \/>\n<meta property=\"og:description\" content=\"I dati della ricerca sono stati presentati durante il webinar \u201cESG Connect Insight Series &#8211; Merito creditizio e profilo di sostenibilit\u00e0 delle imprese familiari&#8221;\u00a0 Le imprese familiari italiane mostrano una solidit\u00e0 patrimoniale e una sostenibilit\u00e0 finanziaria migliore rispetto alle non familiari. 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