{"id":12517,"date":"2025-08-07T08:42:44","date_gmt":"2025-08-07T06:42:44","guid":{"rendered":"https:\/\/covasna45.ro\/?p=12517"},"modified":"2025-08-07T08:43:30","modified_gmt":"2025-08-07T06:43:30","slug":"fngcimm-garanteaza-un-parteneriat-strategic-pentru-afacerile-de-toate-tipurile-p","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-garanteaza-un-parteneriat-strategic-pentru-afacerile-de-toate-tipurile-p\/","title":{"rendered":"FNGCIMM garanteaz\u0103 un parteneriat strategic pentru afacerile\u00a0 de toate tipurile (P)"},"content":{"rendered":"\n

Accesul la finan\u021bare este esen\u021bial pentru dezvoltarea oric\u0103rei afaceri, indiferent de dimensiune sau de sectorul \u00een care activeaz\u0103.<\/p>\n\n\n\n

Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri (FNGCIMM) este recunoscut ca un partener de \u00eencredere de c\u0103tre antreprenori, datorit\u0103 produselor \u0219i programelor de garantare pe care le deruleaz\u0103 \u0219i care reprezint\u0103 scheme eficiente de accesare a finan\u021b\u0103rilor adaptate nevoilor reale ale mediului de afaceri.<\/em><\/p>\n\n\n\n

Datele recente publicate \u00een Carta Alb\u0103 a IMM-urilor 2025 ofer\u0103 o radiografie relevant\u0103<\/strong> a modului \u00een care garan\u021biile FNGCIMM sunt percepute \u0219i utilizate \u00een func\u021bie de dimensiunea \u00eentreprinderii.<\/p>\n\n\n\n

Utilizarea garan\u021biilor FNGCIMM \u00een 2024: dimensiunea conteaz\u0103<\/h2>\n\n\n\n

Conform r\u0103spunsurilor oferite de IMM-urile care au participat la un studiu realizat de Cosiliul Na\u021bional al \u00centreprinderilor Mici \u0219i Mijlocii, intitulat Carta alb\u0103 a IMM-urilor 2025, ajuns la cea de-a 23-a edi\u021bie, \u00een anul 2024 FNGCIMM a garantat afaceri de toate categoriile,  preponderente fiind totu\u0219i \u00eentreprinderile mijlocii cu 13,89% \u0219i cele mici cu 7,32%. Micro\u00eentreprinderile au indicat accesarea garan\u021biilor \u00een procent de numai 2,76%. Studiul a mai relevat c\u0103 \u00eentreprinderile mijlocii au fost cele mai active \u00een utilizarea garan\u021biilor, ceea ce indic\u0103 o con\u0219tientizare \u0219i o integrare mai profund\u0103 a acestor instrumente \u00een strategiile lor de dezvoltare.<\/p>\n\n\n\n

\u00cen acela\u0219i timp, lipsa garan\u021biilor ca barier\u0103 \u00een accesarea finan\u021b\u0103rilor a fost resim\u021bit\u0103 cel mai acut, conform raportului de cercetare, tot de \u00eentreprinderile mijlocii (56,52%), urmate de micro\u00eentreprinderi (26,70%). \u00cen contrast, \u00eentreprinderile mici (14,40%) par s\u0103 \u00eent\u00e2mpine mai pu\u021bine dificult\u0103\u021bi \u00een aceast\u0103 privin\u021b\u0103.<\/p>\n\n\n\n

\u00cen privin\u021ba inten\u021biei viitoare de utilizare a garan\u021biilor FNGCIMM, \u00eentreprinderile mijlocii (22,86%) \u0219i micro\u00eentreprinderile (15,87%) arat\u0103 cel mai mare interes pentru garan\u021biile FNGCIMM, \u00een timp ce inten\u021bia \u00eentreprinderilor mici (5,61%) este mai redus\u0103.<\/p>\n\n\n\n

Dimensiune Firm\u0103<\/td>Utilizare FNGCIMM (2024)<\/td>Lipsa Garan\u021biilor ca Barier\u0103 (%)<\/td>Inten\u021bie Utilizare FNGCIMM (%)<\/td><\/tr><\/thead>
Micro\u00eentreprinderi<\/td>2,76%<\/td>26,70%<\/td>15,87%<\/td><\/tr>
\u00centreprinderi mici<\/td>7,32%<\/td>14,40%<\/td>5,61%<\/td><\/tr>
\u00centreprinderi mijlocii<\/td>13,89%<\/td>56,52%<\/td>22,86%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Ce ne spun datele: corela\u021bii relevante<\/h2>\n\n\n\n

Aceste rezultate ale raportului permit realizarea unei corela\u021bii \u00eentre nevoia de garan\u021bii \u0219i inten\u021bia de utilizare efectiv\u0103 a produselor FNGCIMM:<\/p>\n\n\n\n

\u00centreprinderile mijlocii<\/strong>: declar\u0103 c\u0103 sunt afectate cel mai mult de lipsa garan\u021biilor , dar \u00een acela\u0219i timp au \u0219tiut s\u0103 valorifice oferta de garantare existent\u0103, recunosc eficien\u021ba acestora \u00a0\u0219i \u00ee\u0219i doresc s\u0103 le utilizeze \u00een continuare. Peste jum\u0103tate dintre antreprenorii chestiona\u021bi au semnalat lipsa garan\u021biilor ca fiind un obstacol semnificativ \u00een calea finan\u021b\u0103rii, \u00eens\u0103 doar 13,89% le-au utilizat efectiv \u00een 2024. \u00cen acela\u0219i timp, de\u0219i 22,86% dintre responden\u021bi declar\u0103 inten\u021bia de a apela la FNGCIMM, decalajul \u00eentre nevoie \u0219i inten\u021bia de utilizare r\u0103m\u00e2ne major. Firmele mijlocii sunt adesea mai complexe, cu nevoi financiare consistente, dar \u0219i cu o expunere crescut\u0103 la riscuri. Totu\u0219i, au departamente financiare care le pot facilita accesul la produse financiare, inclusiv prin competen\u021be avansate \u00een negocierea cu reprezentan\u021bii bancari.<\/p>\n\n\n\n

\u00centreprinderile mici<\/strong>: par cele mai pu\u021bin atrase de garan\u021biile FNGCIMM, prefer\u00e2nd alte surse de finan\u021bare (leasing 46%, fonduri nerambursabile 37%, credite negarantate70%). Doar 7,32% le-au accesat \u00een 2024, de\u0219i 14,40% reclam\u0103 lipsa garan\u021biilor ca problem\u0103. Interesant este c\u0103 inten\u021bia de a apela la FNGCIMM este, \u00een acest caz, chiar mai mic\u0103 dec\u00e2t nivelul percep\u021biei barierei: doar 5,61% spun c\u0103 ar utiliza produsul. Aceast\u0103 contradic\u021bie semnaleaz\u0103 o provocare specific\u0103 \u00een a identifica motivele care stau \u00een spatele acestui comportament, fie ele de percep\u021bie sau de eligibilitate.<\/p>\n\n\n\n

Micro\u00eentreprinderile<\/strong>: aproximativ 1 din 4 societ\u0103\u021bi identific\u0103 lipsa garan\u021biilor drept barier\u0103, \u00een condi\u021biile \u00een care aproape 60% au preferat autofinan\u021barea afacerilor. Totu\u0219i au accesat garan\u021bii sub nivelul mediu de accesare \u00een 2024, de 5,25%, iar inten\u021bia de accesare este sub nivelul perceput ca fiind necesar, de\u0219i mai mare ca la \u00eentreprinderile mici. Dac\u0103 analizele mai detaliate asupra acestui segment nu ar indica probleme de eligibilitate greu de dep\u0103\u0219it, mai ales din perspectiv\u0103 financiar\u0103, r\u0103spunsurile oferite pot indica o nevoie de produse mai accesibile \u0219i sprijin informa\u021bional. Diferen\u021ba dintre cei care spun c\u0103 au nevoie \u0219i cei care ac\u021bioneaz\u0103 concret arat\u0103 un teren fertil pentru interven\u021bii profitabile pentru toate p\u0103r\u021bile.<\/p>\n\n\n\n

Ce ar trebui s\u0103 \u0219tie antreprenorii?<\/h2>\n\n\n\n

Fondul Na\u021bional de Garantare a Creditului pentru IMM-uri\u00a0 func\u021bioneaz\u0103 ca un liant \u00eentre banc\u0103 \u0219i antreprenor, facilit\u00e2nd acordarea unui credit, chiar \u0219i \u00een lipsa garan\u021biilor proprii. Banca va cere garan\u021bii pentru a asigura riscul de neplat\u0103, iar dac\u0103 garan\u021biile proprii sunt insuficiente, FNGCIMM<\/a> poate garanta p\u00e2n\u0103 la 80% din valoarea creditului.<\/p>\n\n\n\n

Concluzion\u0103m c\u0103, \u00een ceea ce prive\u0219te garantarea creditelor \u00een Rom\u00e2nia, interven\u021biile bine calibrate ale garan\u021biilor FNGCIMM, pot deveni un instrument cheie nu doar pentru finan\u021b\u0103ri punctuale<\/strong>, ci pentru cre\u0219terea durabil\u0103 afacerilor \u0219i pe termen mai lung, a \u00eentregului ecosistem antreprenorial.<\/p>\n\n\n\n

Mul\u021bumim tuturor autorilor Cartei Albe a IMM-urilor din Rom\u00e2nia 2025 pentru efortul de a oferi un instrument coerent, util \u0219i valoros pentru \u00een\u021belegerea ecosistemului antreprenorial rom\u00e2nesc.<\/p>\n\n\n\n

Datele, analizele \u0219i concluziile acestei cercet\u0103ri pot fi o resurs\u0103 strategic\u0103 pentru toate institu\u021biile implicate \u00een sprijinirea mediului de afaceri.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Sursa: fngcimm.ro<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Accesul la finan\u021bare este esen\u021bial pentru dezvoltarea oric\u0103rei afaceri, indiferent de dimensiune sau de sectorul \u00een care activeaz\u0103. Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri (FNGCIMM) este recunoscut ca un partener de \u00eencredere de c\u0103tre antreprenori, datorit\u0103 produselor \u0219i programelor de garantare pe care le deruleaz\u0103 \u0219i care reprezint\u0103 scheme eficiente de accesare a […]<\/p>\n","protected":false},"author":1,"featured_media":12519,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3519,162,3836,2453],"class_list":{"0":"post-12517","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-fngcimm","9":"tag-imm","10":"tag-mediu-afaceri","11":"tag-microintreprinderi-2"},"yoast_head":"\nFNGCIMM garanteaz\u0103 un parteneriat strategic pentru afacerile\u00a0 de toate tipurile (P) - Covasna45<\/title>\n<meta name=\"description\" content=\"\u00cen anul 2024 FNGCIMM a garantat afaceri de toate categoriile,\u00a0 preponderente fiind totu\u0219i \u00eentreprinderile mijlocii cu 13,89%.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-garanteaza-un-parteneriat-strategic-pentru-afacerile-de-toate-tipurile-p\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FNGCIMM garanteaz\u0103 un parteneriat strategic pentru afacerile\u00a0 de toate tipurile (P) - 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