{"id":12889,"date":"2019-11-06T13:26:00","date_gmt":"2019-11-06T13:26:00","guid":{"rendered":"https:\/\/devalt-kambatiag.savviihq.com\/?p=12889"},"modified":"2023-09-01T13:56:40","modified_gmt":"2023-09-01T11:56:40","slug":"risque-de-credit-des-pme-donnees-relatives-aux-entreprises-et-aux-consommateurs","status":"publish","type":"post","link":"https:\/\/www.altares.be\/fr\/blog\/credit-risk-management\/kredietrisicos-van-mkbers-in-beeld-mix-bedrijfs-en-consumentendata\/","title":{"rendered":"Risque de cr\u00e9dit des PME : donn\u00e9es relatives aux entreprises et aux consommateurs"},"content":{"rendered":"

Vous souhaitez mesurer le risque de cr\u00e9dit d\u2019une petite entreprise ? La sant\u00e9 financi\u00e8re des propri\u00e9taires joue un r\u00f4le de premier plan \u00e0 cet \u00e9gard. Afin d\u2019effectuer une analyse de la solvabilit\u00e9, il est donc n\u00e9cessaire de disposer d\u2019informations relatives au risque de l\u2019entreprise ainsi qu\u2019\u00e0 celui du propri\u00e9taire ou directeur. La solution ? Combiner les informations en mati\u00e8re de risque de cr\u00e9dit des consommateurs ainsi que des entreprises, et si n\u00e9cessaire, les compl\u00e9ter gr\u00e2ce \u00e0 vos donn\u00e9es internes.<\/p>\n\n\n\n

\"Escaliers<\/figure>\n\n\n\n

Pas moins de 70 % de la sph\u00e8re entrepreneuriale n\u00e9erlandaise est constitu\u00e9e d\u2019entreprises individuelles, de soci\u00e9t\u00e9s en nom collectif et de soci\u00e9t\u00e9s \u00e0 responsabilit\u00e9 limit\u00e9e. Il y a donc de fortes chances qu\u2019une partie (consid\u00e9rable) de votre chiffre d\u2019affaires soit g\u00e9n\u00e9r\u00e9e par ces types d\u2019entreprises. Cependant, l\u2019analyse de la solvabilit\u00e9 repr\u00e9sente un v\u00e9ritable casse-t\u00eate. Comment inclure la sant\u00e9 financi\u00e8re personnelle du directeur ou propri\u00e9taire dans l\u2019examen du risque de cr\u00e9dit ?<\/p>\n\n\n\n

Sa sant\u00e9 est mauvaise, fragile ou menac\u00e9e ? Mieux vaut donc ne pas s\u2019engager dans un partenariat. Toutefois, m\u00eame si le propri\u00e9taire est r\u00e9put\u00e9 solvable, l\u2019entreprise ne constitue pas forc\u00e9ment le partenaire commercial id\u00e9al.<\/p>\n\n\n\n

Combiner les donn\u00e9es commerciales et les donn\u00e9es relatives aux consommateurs<\/h2>\n\n\n\n

La cl\u00e9 ? Combiner les flux de donn\u00e9es. En combinant les donn\u00e9es commerciales et les donn\u00e9es relatives aux consommateurs, vous obtenez un aper\u00e7u complet du risque de cr\u00e9dit. Les donn\u00e9es commerciales comprennent notamment les paiements et recouvrements ant\u00e9rieurs, l\u2019historique commercial, les informations bancaires et les jugements concernant des faillites ou cessations. Les donn\u00e9es relatives aux consommateurs comprennent quant \u00e0 elles des donn\u00e9es relatives \u00e0 la solvabilit\u00e9 du propri\u00e9taire, son habitation et ses \u00e9ventuels assainissements de dettes.<\/p>\n\n\n\n

Analyses de solvabilit\u00e9<\/h2>\n\n\n\n

La combinaison de ces flux de donn\u00e9es est souvent de mise lors des analyses de solvabilit\u00e9. Par exemple, les entreprises n\u00e9erlandaises dans les secteurs de l\u2019\u00e9nergie et de la t\u00e9l\u00e9communication s\u2019appuient r\u00e9guli\u00e8rement sur les donn\u00e9es et solutions d\u2019Altares Dun & Bradstreet afin d\u2019examiner les PME qui souhaitent souscrire un abonnement professionnel.<\/p>\n\n\n\n

Les entreprises de ces secteurs re\u00e7oivent de nombreuses demandes de la part d\u2019entreprises individuelles, de petites soci\u00e9t\u00e9s en nom collectif et \u00e0 responsabilit\u00e9 limit\u00e9e dont les propri\u00e9taires souscrivent des abonnements professionnels \u00e0 leur domicile pour des raisons fiscales.<\/p>\n\n\n\n

Dans pareils cas, trois sources de donn\u00e9es sont combin\u00e9es. Les donn\u00e9es commerciales sont puis\u00e9es dans la base de donn\u00e9es en ligne de Dun & Bradstreet<\/a>, la plus grande base de donn\u00e9es commerciales au monde qui propose des donn\u00e9es en temps r\u00e9el concernant notamment les comportements de paiement, les informations en mati\u00e8re de recouvrement, les chiffres d\u2019affaires et les bilans. Les donn\u00e9es relatives aux consommateurs que nous fournissons sont notamment r\u00e9colt\u00e9es gr\u00e2ce \u00e0 notre programme de partenariat commercial<\/a>. Ces deux sources sont compl\u00e9t\u00e9es avec des informations dont les entreprises de t\u00e9l\u00e9communications et d\u2019\u00e9nergie disposent d\u00e9j\u00e0, par exemple gr\u00e2ce \u00e0 des contrats commerciaux ant\u00e9rieurs.<\/p>\n\n\n\n

Un mod\u00e8le d\u00e9cisionnel sur mesure permet ensuite d\u2019attribuer un poids \u00e0 tous les facteurs et un score de solvabilit\u00e9 est alors g\u00e9n\u00e9r\u00e9.<\/p>\n\n\n\n

Des d\u00e9cisions de cr\u00e9dit enti\u00e8rement automatis\u00e9es<\/h2>\n\n\n\n

Nous arrivons \u00e0 la meilleure partie : tout est enti\u00e8rement automatis\u00e9. Les r\u00e8gles du mod\u00e8le d\u00e9cisionnel sont avant tout d\u00e9finies et impl\u00e9ment\u00e9es dans le syst\u00e8me. \u00c9tant donn\u00e9 que les sources de donn\u00e9es sont int\u00e9gr\u00e9es dans le CRM, des d\u00e9cisions en mati\u00e8re de cr\u00e9dit sont prises automatiquement sur la base de donn\u00e9es en temps r\u00e9el. La seule t\u00e2che des r\u00e9ceptionnistes (front desk) et des collaborateurs en call center est d\u2019introduire le num\u00e9ro CDC. Un code couleur int\u00e9gr\u00e9 au CRM fournit alors le score.<\/p>\n\n\n\n

Les avantages de l\u2019automatisation<\/h2>\n\n\n\n

Les avantages sont clairs comme de l\u2019eau de roche. Votre entreprise peut prendre une multitude de d\u00e9cisions de cr\u00e9dit au quotidien sans devoir recourir \u00e0 des collaborateurs qualifi\u00e9s. La politique en mati\u00e8re de cr\u00e9dit est pr\u00e9serv\u00e9e de mani\u00e8re proactive et appliqu\u00e9e avec coh\u00e9rence, peu importe la personne responsable du cas dont il est question. De plus, \u00e9tant donn\u00e9 que l\u2019analyse de solvabilit\u00e9 peut \u00eatre effectu\u00e9e \u00e0 tout moment, il est possible d\u2019assurer un suivi continu des risques. Enfin, un autre aspect non n\u00e9gligeable est que le gestionnaire de cr\u00e9dits garde du temps et des moyens pour se concentrer sur les v\u00e9ritables probl\u00e8mes.<\/p>\n\n\n\n

Les solutions sur mesure d\u2019Altares Dun & Bradstreet en mati\u00e8re de notation personnalis\u00e9e et d\u2019indicateurs de fraude pr\u00e9dictifs aident nos clients \u00e0 automatiser le processus de v\u00e9rification dans le cadre de l\u2019acceptation client et \u00e0
mettre rapidement en \u00e9vidence les fraudes potentielles. R\u00e9sultat ? Des d\u00e9cisions en phase avec votre app\u00e9tence au risque. Des gains de temps \u00e9normes. Et la possibilit\u00e9 pour des collaborateurs ne disposant pas de bagage financier ou d\u2019exp\u00e9rience en mati\u00e8re de compliance de prendre des d\u00e9cisions de cr\u00e9dit.<\/p>\n\n\n\n

Vous souhaitez en savoir plus sur les possibilit\u00e9s d\u2019automatisation des d\u00e9cisions de cr\u00e9dit sur la base de plusieurs sources de donn\u00e9es ? Consultez <\/em>nos solutions d\u2019automatisation du processus d\u2019acceptation des clients<\/em><\/a>.<\/em><\/p>","protected":false},"excerpt":{"rendered":"

Vous souhaitez mesurer le risque de cr\u00e9dit d\u2019une petite entreprise ? La sant\u00e9 financi\u00e8re des propri\u00e9taires joue un r\u00f4le de premier plan \u00e0 cet \u00e9gard.<\/p>","protected":false},"author":5,"featured_media":12896,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-12889","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-risk-management"],"acf":[],"yoast_head":"\nKredietrisico\u2019s van mkb\u2019ers in beeld: mix bedrijfs- \u00e9n consumentendata - Altares<\/title>\n<meta name=\"description\" content=\"Wil je het kredietrisico van kleinere bedrijven bepalen? 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