86,717 research outputs found
La valutazione dei brevetti per il finanziamento dell'innovazione : stato dell'arte e problemi aperti
No full textIl lavoro illustra la piattaforma di valutazione dei brevetti elaborata nel 2008 su iniziativa dell’Ufficio Italiano Brevetti e Marchi, ai fini dell’accesso delle pmi al Fondo per l’Innovazione. La piattaforma si propone come uno strumento di supporto per gli intermediari finanziari convenzionati con il Fondo, ai quali è affidata la selezione dei progetti inventivi finanziabili.
La valutazione dei brevetti riveste una particolare rilevanza al fine di reperire fonti di finanziamento, che potrebbero essere l’unica possibilità di portare l’innovazione sul mercato.
Dopo aver illustrato i parametri di valutazione contenuti nella piattaforma, avanziamo alcune considerazioni sulla concreta applicabilità da parte delle banche italiane e in particolare, sulla possibilità di considerare il brevetto come collaterale di linee di fido o, più in generale, come asset in grado di creare profitto per l’azienda e di agire come leva per l’accesso al credit
INTERNAZIONALITA' E STORICITa' DEL PORTO FRANCO DI TRIESTE. Centro commerciale-emporiale-transitario globale.
No full textPublic guarantees to SME lending: Do broader eligibility criteria pay off?
No full textThis study evaluates the causal effects of admission to the Italian credit guarantee program on SMEs’ profitability, financial health, investments, borrowing costs, and creditworthiness. It further investigates how access to the public guarantee scheme (PGS) affected the firms that became eligible only after the program's creditworthiness assessment criteria were eased following the credit rationing that especially hit SMEs after the sovereign debt crisis. Deterioration of financial conditions, rise in debt payback period, worsening of balance between current assets and current liabilities, increase in borrowing costs, and greater weight of interest expenses on sales were found in beneficiary firms. These negative effects were stronger for firms that were admitted to the PGS following the softening of the eligibility criteria. Therefore, having a less severe public guarantee scheme contradicts its counter-cyclical function as the enduring deterioration of the admitted firms’ financial conditions threatens their resilience to adverse market conditions
Competition or cooperation? Disentangling the Bank-FinTech interaction through a hybrid literature review
No full textThe advent of FinTech companies (FTCs) in the banking sector has sparked a transformative shift, encouraging banks to navigate responses ranging from competition to collaboration. Through a comprehensive hybrid literature review and structured exploration of Bank-FinTech interaction models, we provide an actionable framework for understanding cooperative and competitive dynamics in Bank-FinTech relationships. Our analysis highlights a prevailing consensus within the literature favouring a cooperative strategy over competition between banks and FTCs. We examine the prevalent types of collaboration, their underlying rationales, and their effects on banks' performance and activity. Through the identification of emerging themes and specific strategic gaps, we also suggest a targeted pathway for further inquiry, pointing at potential directions for future research
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