{"id":12570,"date":"2026-03-16T11:36:13","date_gmt":"2026-03-16T10:36:13","guid":{"rendered":"https:\/\/solunion.com\/?p=12570"},"modified":"2026-03-16T17:24:50","modified_gmt":"2026-03-16T16:24:50","slug":"riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa","status":"publish","type":"post","link":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/","title":{"rendered":"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12570\" class=\"elementor elementor-12570\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2acc2e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2acc2e4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a92e49\" data-id=\"3a92e49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f63b941 elementor-widget elementor-widget-text-editor\" data-id=\"f63b941\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Anticiparse a los peores escenarios, especialmente al impago o la insolvencia de los clientes , es parte de una gesti\u00f3n s\u00f3lida del riesgo de cr\u00e9dito.<\/p><p>Cuando estos riesgos se materializan, el impacto puede ser inmediato: tensiones de tesorer\u00eda, p\u00e9rdida de ingresos e incluso efectos en cadena a lo largo de toda la actividad comercial.<\/p><div><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\"><div>A continuaci\u00f3n, te explicamos de forma clara <strong>qu\u00e9 es el riesgo de cr\u00e9dito<\/strong>, <strong>cu\u00e1les son sus causas principales<\/strong> y <strong>c\u00f3mo prevenir sus efectos<\/strong>.<\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30b4213e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30b4213e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;a2e018c&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f109af7\" data-id=\"6f109af7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c2379e0 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"c2379e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;no_headings_message&quot;:&quot;No se ha encontrado ning\\u00fan encabezado en esta p\\u00e1gina.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\t\u00cdndice de contenidos\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c2379e0\" aria-expanded=\"true\" aria-label=\"Abrir la tabla de contenidos\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__c2379e0\" aria-expanded=\"true\" aria-label=\"Cerrar la tabla de contenidos\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__c2379e0\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20e5ff2 elementor-widget elementor-widget-heading\" data-id=\"20e5ff2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es el riesgo de cr\u00e9dito?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00cceda elementor-widget elementor-widget-text-editor\" data-id=\"00cceda\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El riesgo de cr\u00e9dito es la <strong>probabilidad de que un cliente no cumpla con el pago<\/strong> de sus obligaciones comerciales en los plazos acordados. Este riesgo se materializa cuando el cliente:<\/p><div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">No paga (impago).<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Paga con un retraso significativo (morosidad).<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Entra en concurso o quiebra.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Aunque el riesgo de cr\u00e9dito es <strong>uno solo<\/strong>, existen m\u00faltiples <strong>causas<\/strong> que pueden desencadenarlo o aumentar su probabilidad.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b78507 elementor-widget elementor-widget-heading\" data-id=\"6b78507\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\nCausas del riesgo de cr\u00e9dito<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f4bda1 elementor-widget elementor-widget-text-editor\" data-id=\"2f4bda1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A continuaci\u00f3n detallamos los factores m\u00e1s frecuentes que pueden provocar un impago o dificultar el cumplimiento de las obligaciones comerciales por parte de los clientes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cf496d elementor-widget elementor-widget-heading\" data-id=\"3cf496d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Insolvencia o quiebra del cliente<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7772076 elementor-widget elementor-widget-text-editor\" data-id=\"7772076\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La insolvencia es una de las causas m\u00e1s habituales del riesgo de cr\u00e9dito. Puede deberse a:<\/p><div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Falta de liquidez o problemas de tesorer\u00eda.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Ca\u00edda de ventas o p\u00e9rdida de clientes clave.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Sobreendeudamiento.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Mala gesti\u00f3n financiera.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Cambios bruscos en el entorno econ\u00f3mico.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Cuando una empresa entra en un <strong>procedimiento concursal<\/strong>, se inicia un proceso legal que, dependiendo del pa\u00eds, puede incluir diferentes fases:<\/div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Reestructuraci\u00f3n interna.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Nombramiento de un administrador concursal.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Renegociaci\u00f3n de la deuda con los acreedores&#8230;<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Durante este proceso, los proveedores pueden reclamar el pago de sus facturas, incluso si no han vencido, dependiendo del tipo de procedimiento y jurisdicci\u00f3n.<\/div><div>\u00a0<\/div><div><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-12573\" src=\"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/que-es-un-proceso-de-insolvencia-1024x630.png\" alt=\"el proceso de insolvencia ayuda a las empresas a pagar sus deudas y mantener su negocio\" width=\"500\" height=\"307\" srcset=\"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/que-es-un-proceso-de-insolvencia-1024x630.png 1024w, https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/que-es-un-proceso-de-insolvencia-300x184.png 300w, https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/que-es-un-proceso-de-insolvencia-768x472.png 768w, https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/que-es-un-proceso-de-insolvencia.png 1083w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/div><div>\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9cf032 elementor-widget elementor-widget-heading\" data-id=\"a9cf032\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Retrasos prolongados en los pagos (mora)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e95274 elementor-widget elementor-widget-text-editor\" data-id=\"0e95274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>El riesgo no siempre se materializa como impago inmediato. Muchas veces comienza con:<\/p><div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Retrasos sistem\u00e1ticos.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Cambios en los h\u00e1bitos de pago.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Solicitudes recurrentes de ampliaci\u00f3n de plazo.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Estos comportamientos suelen ser <strong>indicadores tempranos<\/strong> de deterioro financiero.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e816e3 elementor-widget elementor-widget-heading\" data-id=\"5e816e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Riesgo moral o comportamientos deshonestos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9f4551 elementor-widget elementor-widget-text-editor\" data-id=\"d9f4551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style>\na {\n    text-decoration: none;\n    color: #464feb;\n}\ntr th, tr td {\n    border: 1px solid #e6e6e6;\n}\ntr th {\n    background-color: #f5f5f5;\n}\n<\/style><\/p><div><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">El riesgo moral aparece cuando un cliente act\u00faa de manera deliberadamente deshonesta para evitar cumplir con sus obligaciones. Puede incluir:<\/div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Manipulaci\u00f3n de cuentas<\/strong> para ocultar problemas financieros.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Informaci\u00f3n falsa o incompleta<\/strong> durante una negociaci\u00f3n comercial.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Fraude concursal<\/strong>, en el que se ocultan activos o se incrementan pasivos artificialmente para facilitar una quiebra estrat\u00e9gica.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Este tipo de conductas es dif\u00edcil de anticipar, pero puede tener un impacto importante en la recuperaci\u00f3n del cr\u00e9dito.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f64d6dc elementor-widget elementor-widget-heading\" data-id=\"f64d6dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Fraude de terceros y ciberfraude<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b16bd31 elementor-widget elementor-widget-text-editor\" data-id=\"b16bd31\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style>\na {\n    text-decoration: none;\n    color: #464feb;\n}\ntr th, tr td {\n    border: 1px solid #e6e6e6;\n}\ntr th {\n    background-color: #f5f5f5;\n}\n<\/style><\/p><div><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Cada vez m\u00e1s habitual, especialmente en operaciones comerciales digitales:<\/div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Fraude del proveedor falso<\/strong>: un ciberdelincuente suplanta la identidad de un proveedor y modifica los datos bancarios.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Intercepci\u00f3n de pagos<\/strong> en transacciones electr\u00f3nicas.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Manipulaci\u00f3n de correos electr\u00f3nicos<\/strong> con instrucciones bancarias falsas.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Estos fraudes suelen producirse durante el per\u00edodo de cr\u00e9dito concedido al cliente, lo que incrementa el riesgo de p\u00e9rdida.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49bb88e elementor-widget elementor-widget-heading\" data-id=\"49bb88e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consecuencias del riesgo de cr\u00e9dito para tu empresa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0055051 elementor-widget elementor-widget-text-editor\" data-id=\"0055051\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><style>\na {\n    text-decoration: none;\n    color: #464feb;\n}\ntr th, tr td {\n    border: 1px solid #e6e6e6;\n}\ntr th {\n    background-color: #f5f5f5;\n}\n<\/style><\/p><div><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Cuando el riesgo de cr\u00e9dito se materializa, las empresas pueden enfrentarse a:<\/div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>P\u00e9rdidas directas<\/strong> por impago.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Tensiones de liquidez<\/strong> que afectan al d\u00eda a d\u00eda.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Efecto domin\u00f3<\/strong> en proveedores, n\u00f3minas y compromisos financieros.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Costes adicionales<\/strong> de recobro y procedimientos legales.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\"><strong>Interrupci\u00f3n de operaciones comerciales<\/strong> y freno del crecimiento.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Por eso la prevenci\u00f3n es fundamental. A continuaci\u00f3n te explicamos algunos consejos sobre c\u00f3mo anticipar posibles impactos.\u00a0<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1d999 elementor-widget elementor-widget-heading\" data-id=\"ec1d999\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00f3mo prevenir y gestionar el riesgo de cr\u00e9dito<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf82be4 elementor-widget elementor-widget-text-editor\" data-id=\"cf82be4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Una gesti\u00f3n eficaz del riesgo de cr\u00e9dito combina an\u00e1lisis, prevenci\u00f3n y protecci\u00f3n. Entre las medidas m\u00e1s relevantes:<\/p><div><p><strong>1. Evaluaci\u00f3n de solvencia<\/strong><\/p><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Analizar la situaci\u00f3n financiera de cada cliente: balances, ratios, historial de pagos y comportamiento sectorial.<\/div><p><strong>2. Clasificaci\u00f3n y l\u00edmites de cr\u00e9dito<\/strong><\/p><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Asignar l\u00edmites adecuados seg\u00fan el riesgo real del cliente y revisar su evoluci\u00f3n peri\u00f3dicamente.<\/div><p><strong>3. Monitorizaci\u00f3n continua<\/strong><\/p><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Detectar se\u00f1ales tempranas: cambios en patrones de pago, ca\u00edda de calificaci\u00f3n crediticia, noticias relevantes del sector o del pa\u00eds.<\/div><p><strong>4. Herramientas tecnol\u00f3gicas de vigilancia<\/strong><\/p><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Acceso a bases de datos especializadas, scoring, alertas y an\u00e1lisis sectorial para anticiparse a cambios bruscos en la solvencia.<\/div><p><strong>5. Seguro de cr\u00e9dito<\/strong><\/p><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Una herramienta clave que combina:<\/div><ul><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Prevenci\u00f3n mediante an\u00e1lisis y monitorizaci\u00f3n continua.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Gesti\u00f3n profesional del recobro.<\/li><li class=\"___ccc16d0 fje8fi8 f1ng9h0j f1bwykku f18jd3zf\">Indemnizaci\u00f3n en caso de impago.<\/li><\/ul><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">De este modo, el seguro de cr\u00e9dito permite <strong>proteger el flujo de caja<\/strong>, reducir la incertidumbre y facilitar decisiones comerciales m\u00e1s seguras.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31bd45d elementor-widget elementor-widget-heading\" data-id=\"31bd45d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Preguntas frecuentes sobre el riesgo de cr\u00e9dito<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54eedb3 elementor-widget elementor-widget-text-editor\" data-id=\"54eedb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong style=\"font-size: 1.75rem;\">\u00bfQu\u00e9 provoca el riesgo de cr\u00e9dito?<\/strong><\/p><div><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Principalmente, insolvencia, retrasos prolongados, comportamientos deshonestos o fraudes internos y externos.<\/div><h3><strong>\u00bfC\u00f3mo puedo detectar a tiempo un riesgo de cr\u00e9dito?<\/strong><\/h3><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Revisando datos financieros, h\u00e1bitos de pago, se\u00f1ales de alerta y analizando continuamente la salud de la cartera de clientes.<\/div><h3><strong>\u00bfQu\u00e9 diferencia hay entre riesgo moral y fraude?<\/strong><\/h3><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">El riesgo moral implica deshonestidad del cliente; el fraude puede ser cometido por el cliente o por terceros con intencionalidad clara de enga\u00f1o.<\/div><h3><strong>\u00bfC\u00f3mo ayuda un seguro de cr\u00e9dito?<\/strong><\/h3><div class=\"paragraph-in-scc-markdown-text ___1ngh792 ftgm304 f1iaxwol\">Proporciona an\u00e1lisis, prevenci\u00f3n y protecci\u00f3n econ\u00f3mica frente a impagos, adem\u00e1s de apoyo en recobro e indemnizaci\u00f3n.<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10718bd9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10718bd9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;_id&quot;:&quot;fada2ab&quot;,&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25b1c999\" data-id=\"25b1c999\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4224c110 elementor-widget elementor-widget-heading\" data-id=\"4224c110\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LECTURA RECOMENDADA<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30a42f0a elementor-widget elementor-widget-text-editor\" data-id=\"30a42f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><a href=\"https:\/\/solunion.com\/como-prevenir-el-riesgo-de-insolvencia\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><span style=\"color: #bb9dc7;\">C\u00f3mo prevenir el riesgo de insolvencia<\/span><\/span><\/a><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Anticiparse a los peores escenarios, especialmente al impago o la insolvencia de los clientes , es parte de una gesti\u00f3n s\u00f3lida del riesgo de cr\u00e9dito. Cuando estos riesgos se materializan, el impacto puede ser inmediato: tensiones de tesorer\u00eda, p\u00e9rdida de ingresos e incluso efectos en cadena a lo largo de toda la actividad comercial. A [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":12571,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[304],"tags":[],"class_list":["post-12570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-credito"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa - Solunion, Credit and Surety insurance<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 es el riesgo de cr\u00e9dito, los tipos de riesgos que pueden afectar a tu empresa y c\u00f3mo anticipar impagos, insolvencias y fraude.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa - Solunion, Credit and Surety insurance\" \/>\n<meta property=\"og:description\" content=\"Descubre qu\u00e9 es el riesgo de cr\u00e9dito, los tipos de riesgos que pueden afectar a tu empresa y c\u00f3mo anticipar impagos, insolvencias y fraude.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/\" \/>\n<meta property=\"og:site_name\" content=\"Solunion, Credit and Surety insurance\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-16T10:36:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-16T16:24:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/riesgo-de-credito.png\" \/>\n\t<meta property=\"og:image:width\" content=\"879\" \/>\n\t<meta property=\"og:image:height\" content=\"497\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Solunion\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@carla@showerthinking.com\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Solunion\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/\"},\"author\":{\"name\":\"Solunion\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#\\\/schema\\\/person\\\/9b915c29b4248a4155758bce80926366\"},\"headline\":\"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa\",\"datePublished\":\"2026-03-16T10:36:13+00:00\",\"dateModified\":\"2026-03-16T16:24:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/\"},\"wordCount\":922,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/solunion.com\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/riesgo-de-credito.png\",\"articleSection\":[\"Seguro de Cr\u00e9dito\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/\",\"url\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/\",\"name\":\"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa - Solunion, Credit and Surety insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/solunion.com\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/riesgo-de-credito.png\",\"datePublished\":\"2026-03-16T10:36:13+00:00\",\"dateModified\":\"2026-03-16T16:24:50+00:00\",\"description\":\"Descubre qu\u00e9 es el riesgo de cr\u00e9dito, los tipos de riesgos que pueden afectar a tu empresa y c\u00f3mo anticipar impagos, insolvencias y fraude.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#primaryimage\",\"url\":\"https:\\\/\\\/solunion.com\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/riesgo-de-credito.png\",\"contentUrl\":\"https:\\\/\\\/solunion.com\\\/wp-content\\\/uploads\\\/2021\\\/04\\\/riesgo-de-credito.png\",\"width\":879,\"height\":497,\"caption\":\"Una persona trabajando en el an\u00e1lisis de riesgos\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/solunion.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/solunion.com\\\/en\\\/\",\"name\":\"Solunion, seguros de Cr\u00e9dito y de Cauci\u00f3n\",\"description\":\"Solunion, seguros de Cr\u00e9dito y de Cauci\u00f3n\",\"publisher\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#organization\"},\"alternateName\":\"Solunion\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/solunion.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#organization\",\"name\":\"Solunion\",\"url\":\"https:\\\/\\\/solunion.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/solunion.com\\\/wp-content\\\/uploads\\\/2019\\\/09\\\/logo-solunion.png\",\"contentUrl\":\"https:\\\/\\\/solunion.com\\\/wp-content\\\/uploads\\\/2019\\\/09\\\/logo-solunion.png\",\"width\":350,\"height\":96,\"caption\":\"Solunion\"},\"image\":{\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/solunion.com\\\/en\\\/#\\\/schema\\\/person\\\/9b915c29b4248a4155758bce80926366\",\"name\":\"Solunion\",\"description\":\"Somos impulso. Somos expertos en seguros de Cr\u00e9dito y de Cauci\u00f3n, servicio de Recobro, y otros asociados a la gesti\u00f3n del riesgo comercial.\",\"sameAs\":[\"https:\\\/\\\/x.com\\\/carla@showerthinking.com\"]},false]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa - Solunion, Credit and Surety insurance","description":"Descubre qu\u00e9 es el riesgo de cr\u00e9dito, los tipos de riesgos que pueden afectar a tu empresa y c\u00f3mo anticipar impagos, insolvencias y fraude.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/","og_locale":"en_US","og_type":"article","og_title":"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa - Solunion, Credit and Surety insurance","og_description":"Descubre qu\u00e9 es el riesgo de cr\u00e9dito, los tipos de riesgos que pueden afectar a tu empresa y c\u00f3mo anticipar impagos, insolvencias y fraude.","og_url":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/","og_site_name":"Solunion, Credit and Surety insurance","article_published_time":"2026-03-16T10:36:13+00:00","article_modified_time":"2026-03-16T16:24:50+00:00","og_image":[{"width":879,"height":497,"url":"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/riesgo-de-credito.png","type":"image\/png"}],"author":"Solunion","twitter_card":"summary_large_image","twitter_creator":"@carla@showerthinking.com","twitter_misc":{"Written by":"Solunion","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#article","isPartOf":{"@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/"},"author":{"name":"Solunion","@id":"https:\/\/solunion.com\/en\/#\/schema\/person\/9b915c29b4248a4155758bce80926366"},"headline":"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa","datePublished":"2026-03-16T10:36:13+00:00","dateModified":"2026-03-16T16:24:50+00:00","mainEntityOfPage":{"@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/"},"wordCount":922,"commentCount":0,"publisher":{"@id":"https:\/\/solunion.com\/en\/#organization"},"image":{"@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#primaryimage"},"thumbnailUrl":"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/riesgo-de-credito.png","articleSection":["Seguro de Cr\u00e9dito"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/","url":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/","name":"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa - Solunion, Credit and Surety insurance","isPartOf":{"@id":"https:\/\/solunion.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#primaryimage"},"image":{"@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#primaryimage"},"thumbnailUrl":"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/riesgo-de-credito.png","datePublished":"2026-03-16T10:36:13+00:00","dateModified":"2026-03-16T16:24:50+00:00","description":"Descubre qu\u00e9 es el riesgo de cr\u00e9dito, los tipos de riesgos que pueden afectar a tu empresa y c\u00f3mo anticipar impagos, insolvencias y fraude.","breadcrumb":{"@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#primaryimage","url":"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/riesgo-de-credito.png","contentUrl":"https:\/\/solunion.com\/wp-content\/uploads\/2021\/04\/riesgo-de-credito.png","width":879,"height":497,"caption":"Una persona trabajando en el an\u00e1lisis de riesgos"},{"@type":"BreadcrumbList","@id":"https:\/\/solunion.com\/en\/riesgo-de-credito-que-tipos-de-riesgos-puede-afrontar-tu-empresa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/solunion.com\/en\/"},{"@type":"ListItem","position":2,"name":"Riesgo de cr\u00e9dito: qu\u00e9 es, sus causas y c\u00f3mo proteger a tu empresa"}]},{"@type":"WebSite","@id":"https:\/\/solunion.com\/en\/#website","url":"https:\/\/solunion.com\/en\/","name":"Solunion, seguros de Cr\u00e9dito y de Cauci\u00f3n","description":"Solunion, seguros de Cr\u00e9dito y de Cauci\u00f3n","publisher":{"@id":"https:\/\/solunion.com\/en\/#organization"},"alternateName":"Solunion","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/solunion.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/solunion.com\/en\/#organization","name":"Solunion","url":"https:\/\/solunion.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/solunion.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/solunion.com\/wp-content\/uploads\/2019\/09\/logo-solunion.png","contentUrl":"https:\/\/solunion.com\/wp-content\/uploads\/2019\/09\/logo-solunion.png","width":350,"height":96,"caption":"Solunion"},"image":{"@id":"https:\/\/solunion.com\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/solunion.com\/en\/#\/schema\/person\/9b915c29b4248a4155758bce80926366","name":"Solunion","description":"Somos impulso. Somos expertos en seguros de Cr\u00e9dito y de Cauci\u00f3n, servicio de Recobro, y otros asociados a la gesti\u00f3n del riesgo comercial.","sameAs":["https:\/\/x.com\/carla@showerthinking.com"]},false]}},"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/posts\/12570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/comments?post=12570"}],"version-history":[{"count":5,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/posts\/12570\/revisions"}],"predecessor-version":[{"id":18933,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/posts\/12570\/revisions\/18933"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/media\/12571"}],"wp:attachment":[{"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/media?parent=12570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/categories?post=12570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/solunion.com\/en\/wp-json\/wp\/v2\/tags?post=12570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}