To date, tourism is identified as the industrial and commercial sector that falls within the tertiary sector and which represents one of the most productive non-instrumental activities for each state or country. Through tourism, tangible goods such as transport (air, trains, buses) and hospitality services such as tourist villages, pensions and hotels are supplied / sold; attention will be focused on the latter especially from the point of view of the relationship between loans and hotel facilities. The key element of hotel businesses is the offer and provision of paid hospitality services. The growing increase in the aforementioned structures derives both from the greater development, in the last decades, of the tertiary sector compared to the agricultural and industrial sector, and from the generalized growth of per capita income, which induces a greater demand for leisure-time services. From this we deduce that the tourism sector also contributes significantly to the production of income, employment and the flow of liquidity. Just of the liquidity (loans) hotel companies need to be able to carry on their business is precisely how bank intermediaries enter the field, implementing the aforementioned connection (tourism-finance); hence the need to analyze the problems not only theoretical but also managerial and operational intrinsic to the assessment of reliability of the non-manufacturing sectors, hotel companies, in fact. The formation of the financial requirement depends on numerous factors, among which the most important one is represented by the intensity of the capital. Of course, the formation of needs must also be analyzed from the point of view of the economic and production sector, as well as the activity carried out by the companies subject to attention: the hotel companies; in order to define an adequate creditworthiness, for these companies it is necessary to analyze: 1) The articulation of the different types that make up the hotel sector; 2) The main evolutionary lines and any changes / modifications; 3) The risks.
DEBORAH MOLA “Turismo e finanza: valutazione di affidabilità creditizia per il settore alberghiero”, Contributo in Atti di Convegno, 2nd UNICART INTERDISCIPLINARY INTERNATIONAL CONFERENCE ON MANAGEMENT, TOURISM AND DEVELOPMENT OF TERRITORY 6-7 April 2020, Dubrovnik (Croatia) - Web Conference, PROCEEDINGS BOOK ISBN: 978-2-931089-02-6
Deborah Mola
Writing – Original Draft Preparation
2020-01-01
Abstract
To date, tourism is identified as the industrial and commercial sector that falls within the tertiary sector and which represents one of the most productive non-instrumental activities for each state or country. Through tourism, tangible goods such as transport (air, trains, buses) and hospitality services such as tourist villages, pensions and hotels are supplied / sold; attention will be focused on the latter especially from the point of view of the relationship between loans and hotel facilities. The key element of hotel businesses is the offer and provision of paid hospitality services. The growing increase in the aforementioned structures derives both from the greater development, in the last decades, of the tertiary sector compared to the agricultural and industrial sector, and from the generalized growth of per capita income, which induces a greater demand for leisure-time services. From this we deduce that the tourism sector also contributes significantly to the production of income, employment and the flow of liquidity. Just of the liquidity (loans) hotel companies need to be able to carry on their business is precisely how bank intermediaries enter the field, implementing the aforementioned connection (tourism-finance); hence the need to analyze the problems not only theoretical but also managerial and operational intrinsic to the assessment of reliability of the non-manufacturing sectors, hotel companies, in fact. The formation of the financial requirement depends on numerous factors, among which the most important one is represented by the intensity of the capital. Of course, the formation of needs must also be analyzed from the point of view of the economic and production sector, as well as the activity carried out by the companies subject to attention: the hotel companies; in order to define an adequate creditworthiness, for these companies it is necessary to analyze: 1) The articulation of the different types that make up the hotel sector; 2) The main evolutionary lines and any changes / modifications; 3) The risks.I documenti in IRIS sono protetti da copyright e tutti i diritti sono riservati, salvo diversa indicazione.
