Autori
Santoboni, Fabrizio
Vincioni, Andrea
Tomatis, Massimiliano

Titolo
Polizze per le imprese ed accesso al credito in Italia: il punto di vista delle banche e delle compagnie di assicurazione
Periodico
Banca impresa società
Anno: 2012 - Volume: 31 - Fascicolo: 1 - Pagina iniziale: 119 - Pagina finale: 152

Basel II Framework brings important changes, since life insurance and surety policy are «eligible» guarantees for Credit Risk Mitigation. Nevertheless, banks could offer a better pricing to borrowers not because they are less risky, but because the whole operation would need a lower capital requirement. Therefore, corporate risks reduc- tion - which would allow, in the absence of credit rationing, a more profitable debt capacity - is necessarily achieved through an appropriate «umbrella insurance», able to cope with both direct and indirect loss. This paper examine the strategic role of insurance products in enterprise sector to help insuring firms' debt capacity to expand.



SICI: 1120-9453(2012)31:1<119:PPLIEA>2.0.ZU;2-H
Testo completo: http://www.mulino.it/download/article/10.1435/37243
Testo completo alternativo: http://www.mulino.it/doi/10.1435/37243

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