Les entreprises sollicitant trop de financements peuvent générer des risques de liquidité

Les entreprises deviennent de plus en plus actives, ces derniers temps, au niveau des financements. Elles enregistrent ainsi des dettes importantes d’après la situation tirée de l’analyse effectué par S&P Global Ratings. Le coté liquidité s’expose ainsi à des risques importants, d’après toujours le constat des professionnels par rapport à ce sujet. De plus, ces emprunteurs sont répertoriés dans la catégorie « profil à haut risque ». Côté prêteurs, il n’y a pas vraiment de garanties, du moins ces dernières sont minimes. Le S&P révèle même un rapport mettant en valeur cette insécurité au crédit, notamment à travers un taux relativement bas des contrats ayant une clause de sauvegarde.

Comment les entreprises se financent-elles ?

Une entreprise est parfaitement indépendante au niveau du financement si elle dispose de suffisamment de ressources pour combler les besoins en trésorerie et en investissement. C’est de l’autofinancement. À contrario, l’endettement est inévitable, à savoir sous les deux formes suivantes : les capitaux propres et les emprunts bancaires. À savoir que ces derniers restent l’alternative abordable puisque l’ouverture du capital présente plus de risque. Toutefois, il faut toujours rester à moins de 1 le ratio entre dettes financières et capitaux propres afin de préserver l’équilibre. Si cette tenue n’est pas optimale, c’est-à-dire que les dettes n’ont pas été maitrisées, il faudra que l’entreprise se mette sur la poste du regroupement de crédits via une banque rachat de credit. Les remboursements seront gérés, d’autant plus que la solution est ajustable à volonté.

La dette est un facteur habitué à la hausse au niveau mondial

En 2018, les dettes s’élevaient à 178 milliards de dollars. C’est une vitesse de croissance hallucinante à l’échelle internationale de ce facteur économique. Le chiffre cumule 235% du PIB mondial, d’autant plus qu’il concentre tous les types d’encours de crédit, gouvernements, sociétés et particuliers. Pour chaque part, le S&P affirme que la dette publique détient le plus de responsabilités dans cette hausse, à raison de 2 800 milliards de dollars en 10 ans pour les pays européens ; contre 10 500 milliards de dollars pour les USA en termes de dette accumulée. En Chine, ce sont les entreprises privées qui se surpassent. C’est 155% du PIB du pays qui est équivalent aux 29 milliards de dollars de dette relevée. Pour la France en particulier, les dettes des entreprises explosent également, atteignant la barre des 4 000 milliards de dollars, soit 175% du PIB national. Toutefois, l’Hexagone n’a pas à s’inquiéter sur le sujet d’après les prévisions à long terme de S&P. Le gouvernement est, en même temps, à l’affût de cette croissance des dettes et instaure différents dispositifs pour contenir les éventuels risques de crise de liquidité dans le pays.

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