{"id":1399,"date":"2019-06-26T12:00:49","date_gmt":"2019-06-26T12:00:49","guid":{"rendered":"https:\/\/accord.galambos-dev.com\/?p=1399"},"modified":"2020-10-29T16:34:21","modified_gmt":"2020-10-29T21:34:21","slug":"transformer-la-prise-de-decision-dans-le-domaine-des-prets-aux-pme","status":"publish","type":"post","link":"https:\/\/accordfinancial.com\/fr\/transforming-decision-making-in-middle-market-lending\/","title":{"rendered":"Transformer les d\u00e9cisions de financement des moyennes entreprises"},"content":{"rendered":"<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9tant une soci\u00e9t\u00e9 de financement, nous savons chez CapX Partners que l'un de ces segments est celui des pr\u00eats commerciaux au moyennes entreprises. Contrairement aux pr\u00eats aux particuliers et aux petites entreprises, o\u00f9 les d\u00e9cisions de cr\u00e9dit sont prises en quelques millisecondes par des nouveaux venus comme Kabbage et des op\u00e9rateurs de longue date comme CapitalOne, la conclusion de pr\u00eats commerciaux au march\u00e9 interm\u00e9diaire n\u00e9cessite beaucoup de temps, parfois m\u00eame des mois pour une transaction unique de 10\u00a0M$.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Une \u00e8re de bouleversements<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">L'impact \u00e9conomique des entreprises du march\u00e9 interm\u00e9diaire ne peut \u00eatre sous-estim\u00e9. Il existe environ 200 000 entreprises aux \u00c9tats-Unis ayant des revenus se situant entre 10\u00a0M$ et 1\u00a0G$, et la plupart \u00e9tant d\u00e9tenues en participation restreinte ou contr\u00f4l\u00e9es par une famille. Ces entreprises produisent environ un tiers du PIB am\u00e9ricain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les institutions financi\u00e8res pr\u00eatent d\u00e9j\u00e0 des billions de dollars par an aux entreprises du march\u00e9 interm\u00e9diaire, et il existe un \u00e9norme potentiel de croissance pour celles qui peuvent concevoir, souscrire et financer des transactions avec rapidit\u00e9 et pr\u00e9cision. Les entrepreneurs et les innovateurs font ce qu'ils font toujours quand il y a beaucoup d'argent en jeu\u00a0: ils fouillent, observent o\u00f9 il y a congestion et trouvent des solutions qu'ils mettent en \u0153uvre et mon\u00e9tisent. Voil\u00e0 pour les bouleversements!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">C&#039;est d\u00e9j\u00e0 arriv\u00e9 ailleurs<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">De nombreuses institutions financi\u00e8res sont dispos\u00e9es \u00e0 pr\u00eater de 5\u00a0000\u00a0$ \u00e0 250\u00a0000\u00a0$ sur en s'appuyant sur les donn\u00e9es d'Experian, de PayNet, de FICO et d'autres. Il existe des solutions d'\u00e9valuation de cr\u00e9dit plus \u00e9volu\u00e9es, comme Ocrolus, qui reposent sur des documents bancaires et fiscaux num\u00e9ris\u00e9s qui fournissent des informations plus approfondies sur la situation financi\u00e8re de l'emprunteur. Les plateformes de pr\u00eat num\u00e9riques sont all\u00e9es plus loin et ont ajout\u00e9 des centaines, voire des milliers de points de donn\u00e9es suppl\u00e9mentaires pour cr\u00e9er un portrait plus pr\u00e9cis de l'emprunteur. Il peut s'agir de n'importe quoi, de la pr\u00e9sence d'un propri\u00e9taire d'entreprise sur les m\u00e9dias sociaux aux mod\u00e8les d'achat de son entreprise et personnels. Ces analyses financi\u00e8res et comportementales g\u00e9n\u00e8rent des r\u00e9sultats d'\u00e9valuation des risques et l'acceptation ou le refus est g\u00e9n\u00e9r\u00e9e automatiquement. La rapidit\u00e9 et la pr\u00e9cision de ces solutions am\u00e9liore l'exp\u00e9rience aussi bien pour le pr\u00eateur que pour l'emprunteur. Mais lorsqu'une entreprise recherche 5\u00a0M$, voire 50\u00a0M$, que se passe-t-il?<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Prochaine \u00e9tape\u00a0: pr\u00eats aux moyennes entreprises<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cas d'une entreprise plus grande du march\u00e9 interm\u00e9diaire, les pr\u00eateurs doivent se fier aux \u00e9tats financiers pour obtenir une \u00e9valuation plus d\u00e9taill\u00e9e de la capacit\u00e9 de l'emprunteur \u00e0 rembourser ses dettes. C'est l\u00e0 que r\u00e9side le d\u00e9fi. Premi\u00e8rement, les \u00e9tats financiers ne sont jamais pareils d'une soci\u00e9t\u00e9 \u00e0 l'autre. Il faut donc recourir \u00e0 un processus manuel pour transf\u00e9rer les donn\u00e9es financi\u00e8res figurant sur des \u00e9tats financiers en format analogique vers des syst\u00e8mes num\u00e9riques capables de calculer des ratios, de reconna\u00eetre les donn\u00e9es et de faciliter les d\u00e9cisions de cr\u00e9dit. Ce processus manuel sur mesure est lent et sujet aux erreurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De plus, les bilans et les \u00e9tats des r\u00e9sultats, m\u00eame avec les nombreuses notes de bas de page qu'ils contiennent g\u00e9n\u00e9ralement, fournissent une multitude de donn\u00e9es, mais ne justifient pas et n'expliquent pas ces donn\u00e9es. L'\u00e9tat des r\u00e9sultats pourraient indiquer des revenus de 100\u00a0M$, mais comment ces revenus sont-ils g\u00e9n\u00e9r\u00e9s? Sont-ils r\u00e9partis de fa\u00e7on relativement \u00e9gale entre plusieurs clients? Ou sont-ils concentr\u00e9s entre quelques grands clients, de sorte que si l'un d'eux part, la structure de l'entreprise commence \u00e0 s'effondrer. Ces consid\u00e9rations d'ordre qualitatif ne transparaissent pas toujours dans les \u00e9tats financiers, mais elles sont importantes pour dresser le portrait complet d'une organisation.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">L'automatisation d'abord, ensuite l'IA<\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l'heure actuelle, des soci\u00e9t\u00e9s d'analyse financi\u00e8re comme Fincura affirment avoir trouv\u00e9 la solution en d\u00e9chiffrant les donn\u00e9es que contiennent les \u00e9tats financiers. Puis, en associant les donn\u00e9es des \u00e9tats financiers num\u00e9ris\u00e9s avec les informations comportementales initialement con\u00e7ues et utilis\u00e9es pour les pr\u00eats aux particuliers et aux petites entreprises, il est d\u00e9sormais possible de concevoir les processus d\u00e9cisionnels automatis\u00e9s destin\u00e9s aux moyennes entreprises avec une rapidit\u00e9 et une pr\u00e9cision, ainsi qu'\u00e0 une \u00e9chelle jamais encore imagin\u00e9es. Mais l'automatisation n'est pas l'IA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'intelligence artificielle repose sur le principe que les machines peuvent apprendre et s'adapter \u00e0 partir de l'exp\u00e9rience, plut\u00f4t que de s'appuyer exclusivement sur une logique pr\u00e9programm\u00e9e. L'IA peut d\u00e9tecter les tendances et pr\u00e9dire ce dont une personne ou une entreprise aura besoin ou ce qu'elle voudra \u00e0 l'avenir. L'apprentissage automatique permet de reconna\u00eetre les formes, mais la reconnaissance de l'image et de la voix constitue l'utilisation la plus courante. L'intelligence artificielle et l'apprentissage automatique \u00e9voluent \u00e0 un rythme qui s'acc\u00e9l\u00e8re rapidement et, au cours de la derni\u00e8re d\u00e9cennie, nous avons pu constater leur influence de nombreuses fa\u00e7ons. Un domaine particuli\u00e8rement important pour le secteur des services financiers est la s\u00fbret\u00e9 et la s\u00e9curit\u00e9. Les algorithmes peuvent d\u00e9sormais bloquer les transactions frauduleuses avec un haut degr\u00e9 de pr\u00e9cision en combinant l'analyse de mod\u00e8les et l'analyse pr\u00e9dictive. L'IA a \u00e9galement am\u00e9lior\u00e9 l'exp\u00e9rience client et la capacit\u00e9 de personnaliser l'offre, par exemple en r\u00e9pondant aux questions des clients en temps r\u00e9el gr\u00e2ce \u00e0 un robot conversationnel. Et maintenant, l'IA est sur le point d'am\u00e9liorer les d\u00e9cisions de cr\u00e9dit pour les moyennes entreprises afin de les acc\u00e9l\u00e9rer et de les rendre plus accessibles et plus transparentes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La v\u00e9ritable IA passe par l'apprentissage automatique, et l'apprentissage automatique n\u00e9cessite des millions de points de donn\u00e9es. Il faudra du temps pour que la v\u00e9ritable IA remplace compl\u00e8tement l'intervention humaine pour les d\u00e9cisions de pr\u00eat dans le march\u00e9 interm\u00e9diaire, mais la voie \u00e0 suivre est claire - d'abord la prise de d\u00e9cision automatique, puis l'apprentissage automatique m\u00e8nera \u00e0 l'IA v\u00e9ritable .<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CapX Partners et sa soci\u00e9t\u00e9 m\u00e8re, Accord Financial, s'efforcent de cr\u00e9er un monde o\u00f9 les d\u00e9cisions de cr\u00e9dit pour le march\u00e9 interm\u00e9diaire seront prises en quelques millisecondes, en utilisant l'IA et l'apprentissage automatique pour r\u00e9unir des donn\u00e9es quantitatives et qualitatives de mani\u00e8re syst\u00e9mique afin d'obtenir un portrait exhaustif de l'emprunteur. Notre mission, peu importe la fa\u00e7on de l'accomplir, est toujours la m\u00eame, avec ou sans IA\u00a0: simplifier l'acc\u00e8s au capital pour que nos clients puissent conna\u00eetre le succ\u00e8s. Les pr\u00eats aux moyennes entreprises ne font pas que des gagnants\u00a0: il y aura des gagnants et des perdants. Nous voulons faire \u00e9quipe avec les gagnants.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>","protected":false},"excerpt":{"rendered":"<p>De la cr\u00e9ation au financement, le tout en une milliseconde. Selon Andrew Yang, entrepreneur am\u00e9ricain, le fondateur\u2026<\/p>","protected":false},"author":1,"featured_media":3616,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"location":[],"class_list":["post-1399","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>06\/26\/2019 | Transforming Decision Making in Middle Market Lending | Accord Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/accordfinancial.com\/fr\/transformer-la-prise-de-decision-dans-le-domaine-des-prets-aux-pme\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"06\/26\/2019 | Transforming Decision Making in Middle Market Lending | Accord Financial\" \/>\n<meta property=\"og:description\" content=\"From origination to funding all in a millisecond. 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