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Il ruolo della banca nel processo di innovazione del modello di business

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  • Cinzia Genovino
  • Rosa Maria Caprino

Abstract

Il contributo rappresenta un approfondimento del Rapporto MACREF Strategie di integrazione tra produzioni agroalimentari e turismo ed in particolar modo il ruolo della banca nei processi d?innovazione dei modelli di business per le PMI. Si ? cercato di offrire un?analisi critica della letteratura sul tema della scelta relativa alla struttura finanziaria efficiente delle imprese, con particolare riguardo alla realt? delle piccole e medie imprese italiane, ed in particolar modo del settore agroalimentare, attraverso una visione della letteratura empirica sull?argomento. Le PMI si caratterizzano tradizionalmente per l?uso quasi esclusivo di capitale di debito nella copertura del fabbisogno finanziario e presentano di conseguenza una struttura finanziaria quanto mai semplificata, nella maggior parte dei casi composta dal debito bancario da una parte e dal capitale dei soci fondatori dall?altra. In questo momento di crisi e di particolare frammentazione del tessuto societario italiano, in particolar modo quello del comparto agroalimentare, un ruolo determinante ? stato rivestito dagli istituti bancari anche come gestori di garanzie e contributi pubblici. La scarsa patrimonializzazione delle nostre aziende, spesso a carattere e propriet? familiare, ? stata negli anni supplita con un forte ricorso al credito bancario, dal quale le imprese sono diventate dipendenti a scapito di un corretto equilibrio finanziario. L?intero sistema si trova difronte ad una rieducazione finanziaria, dunque sia le imprese che le banche, quest?ultime spinte dall?innovazione tecnologica e dalla ricerca di redditivit?, si accingono al superamento della loro tradizionale veste istituzionale legata alla erogazione di credito. Gli istituti di credito possono e stanno quindi trasformando in opportunit? tale situazione rivedendo i propri modelli distributivi e di business per diversificare le proprie fonti di reddito concentrandosi sull?offerta di nuovi servizi ad alto valore aggiunto alle imprese, sostenendo lo sviluppo e la crescita economica del nostro paese. Oggi il ruolo trainante della ripresa ? infatti rappresentato da quelle imprese che sono innovative, che sanno coniugare la produttivit? e la tecnologia, che si aggregano tra loro o che si internazionalizzano: ? proprio a queste impr- se che il sistema bancario deve guardare offrendo loro un supporto non solo in termini finanziari ma in termini di esperienza, conoscenze, competenza e consulenza.

Suggested Citation

  • Cinzia Genovino & Rosa Maria Caprino, 2018. "Il ruolo della banca nel processo di innovazione del modello di business," ESPERIENZE D'IMPRESA, FrancoAngeli Editore, vol. 2018(2), pages 69-105.
  • Handle: RePEc:fan:eieiei:v:html10.3280/ei2018-002005
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    References listed on IDEAS

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