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Credit, instability and risk assessment

of

Luciano Martinoli

luciano.martinoli @ gmail.com

was held yesterday, organized by Aletheia, a event entitled "Lending to companies in times of instability. We need a rethink in the criteria for risk assessment? "

Although Assolombarda was organized in the presence of contractors was poor and the theme seemed more aimed at banks who would benefit from this potential change of heart.

I thought it was a dialogue between a Chinese and a turkish, with the only level of communication provided by sign language that the two could be established.



L'immagine non è lontana dalla realtà in quanto non vi era cattiva volontà di comunicare, ma reale impossibilità di farlo. Da un lato gli imprenditori (solo uno a capo di un'associazione) che, con la foga e l'entusiasmo tipico di chi fa impresa, ha illustrato le speranze, i progetti, le eccellenze, ma anche le necessità della categoria. Dall'altro i bancari che dissertavano sulla validità e necessità degli "schemi" (il rating) da adottare per capire il mondo dei loro interlocutori.
Solo nel pomeriggio è balzato chiaro il nocciolo del problema, additato da uno dei relatori: le banche non sono sempre attrezzate per valutare le strategie d'impresa.


The rating is in fact an algorithmic tool useful to try to figure out a pattern on a numerical basis from the accounts (the past). The strategy however is not numeric, can not be calculated and reduced to a figure, but it can also be reported. How many things we do with humans, without ambiguity and that allow us to make effective decisions, without resorting to math?
Here then is the need not for a rethinking of the ratings, and even new rating, but a radical overcoming them: the use of a new language that allows to communicate effectively, accurately and quickly enough, the strategy.

not hide behind a play of words, called "language" that can then be rated, but a very different approach. With the language you dialogue, a dialogue we can understand , include more than answers to give you allow to perform an operation critical to the construction of development: ask questions. A rating, a computer program that expects input, and only those, and produces output, and only those, only gives answers, answers to questions already asked and crystallized in the program. E 'questions that might arise from new perspectives of incentive for both parties and only if the bank, but the company will exceed the logic of the customer / supplier and equip with modern tools of effective communication strategies achieving this goal.
This language exists, therefore there is no excuse if you do not wish to support a role play an anachronism that is ending its life cycle.