{"id":3105,"date":"2025-05-07T17:42:02","date_gmt":"2025-05-07T15:42:02","guid":{"rendered":"https:\/\/ratingagency.cerved.com\/?p=3105"},"modified":"2025-05-14T13:11:27","modified_gmt":"2025-05-14T11:11:27","slug":"credit-outlook-2025-il-tempo-delle-scelte","status":"publish","type":"post","link":"https:\/\/ratingagency.cerved.com\/credit-outlook-2025-il-tempo-delle-scelte\/","title":{"rendered":"Credit Outlook 2025: Il tempo delle scelte"},"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\">Torna a crescere la probabilit\u00e0 di default delle imprese italiane: tensioni commerciali e debolezza della domanda<br>contribuiranno ad aumentare il rischio di credito percepito, soprattutto per le imprese che esportano negli USA<\/h4>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\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<h5 class=\"wp-block-heading\">KEY TAKEAWAYS<\/h5>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le nuove misure protezionistiche peggiorano le prospettive del merito creditizio delle imprese italiane.<\/li>\n\n\n\n<li>In un contesto in continua evoluzione, Cerved Rating Agency ha stimato l\u2019evoluzione della probabilit\u00e0 di default.<\/li>\n\n\n\n<li>per oltre 14 mila imprese con rating di credito nei prossimi 12 mesi<\/li>\n\n\n\n<li>Lo scenario base prevede dazi USA al 10% per la maggior parte dei prodotti EU, politica monetaria espansiva, progressi di spesa dei fondi legati al PNRR e alla difesa. La PD media sui prossimi 12 mesi: 5.5% (+20bps).<\/li>\n\n\n\n<li>Uno scenario peggiorativo vede un\u2019escalation delle tensioni commerciali, recessione, nuovi aumenti dei tassi a causa del rialzo dell\u2019inflazione. PD in forte salita fino al 6.5% (+120bps).<\/li>\n\n\n\n<li>Uno scenario ottimistico \u00e8 caratterizzato da: nuovi accordi commerciali, riduzione dell\u2019inflazione e dei tassi di interesse, una maggiore spinta da fondi PNRR e del programma ReArm EU. PD media in calo al 5.1% (-20bps).<\/li>\n\n\n\n<li>Tra le imprese esportatrici negli USA, particolarmente colpite le PMI, mentre le grandi sono meno impattate grazie a fondamentali pi\u00f9 solidi.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1006\" height=\"444\" src=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2025\/05\/image-1.png\" alt=\"\" class=\"wp-image-3110\" srcset=\"https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2025\/05\/image-1.png 1006w, https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2025\/05\/image-1-300x132.png 300w, https:\/\/ratingagency.cerved.com\/wp-content\/uploads\/2025\/05\/image-1-768x339.png 768w\" sizes=\"auto, (max-width: 1006px) 100vw, 1006px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><br><\/p>\n\n\n\n<p><br><\/p>\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<p><\/p>\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;\">Credit Outlook 2025<\/h4>\n\n\t\t<button class=\"wp-block-button__link wp-element-button\" data-name=\"Credit-Outlook-2025\" id=\"dwf_btn_download_3130\" data-mediaid=\"3130\">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_3130').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 Credit Outlook 25<\/h4>\n\n\t\t<button class=\"wp-block-button__link wp-element-button\" data-name=\"Executive-summary-Credit-Outlook-25\" id=\"dwf_btn_download_3120\" data-mediaid=\"3120\">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_3120').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\/credit\/\" rel=\"tag\">Credit<\/a><span class=\"wp-block-post-terms__separator\"> <\/span><a href=\"https:\/\/ratingagency.cerved.com\/category\/research\/\" rel=\"tag\">Research<\/a><\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Torna a crescere la probabilit\u00e0 di default delle imprese italiane: tensioni commerciali e debolezza della domandacontribuiranno ad aumentare il rischio di credito percepito, soprattutto per le imprese che esportano negli USA KEY TAKEAWAYS RESOURCES TOPICS<\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_slider_image_ID":3125,"_reading_time":"","footnotes":""},"categories":[37,3],"tags":[],"element":[6,8],"class_list":["post-3105","post","type-post","status-publish","format-standard","hentry","category-credit","category-research","element-outlook","element-research"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Outlook 2025: Il tempo delle scelte - 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\/credit-outlook-2025-il-tempo-delle-scelte\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit Outlook 2025: Il tempo delle scelte - Cerved Rating Agency\" \/>\n<meta property=\"og:description\" content=\"Torna a crescere la probabilit\u00e0 di default delle imprese italiane: tensioni commerciali e debolezza della domandacontribuiranno ad aumentare il rischio di credito percepito, soprattutto per le imprese che esportano negli USA KEY TAKEAWAYS RESOURCES TOPICS\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ratingagency.cerved.com\/credit-outlook-2025-il-tempo-delle-scelte\/\" \/>\n<meta property=\"og:site_name\" content=\"Cerved 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