{"id":12743,"date":"2025-08-27T09:34:12","date_gmt":"2025-08-27T07:34:12","guid":{"rendered":"https:\/\/covasna45.ro\/?p=12743"},"modified":"2025-08-27T09:38:11","modified_gmt":"2025-08-27T07:38:11","slug":"fngcimm-isi-confirma-rolul-esential-de-intermediar-intre-antreprenori-si-finantatori","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-isi-confirma-rolul-esential-de-intermediar-intre-antreprenori-si-finantatori\/","title":{"rendered":"FNGCIMM \u00ee\u0219i confirm\u0103 rolul esen\u021bial de intermediar \u00eentre antreprenori \u0219i finan\u021batori"},"content":{"rendered":"\n

\u00centr-un climat economic \u00een care cuv\u00e2ntul-cheie este \u201epredictibilitate\u201d, accesul la finan\u021bare devine pentru IMM-uri nu doar o dorin\u021b\u0103, ci o condi\u021bie de supravie\u021buire \u0219i dezvoltare. Dar ce se \u00eent\u00e2mpl\u0103 c\u00e2nd afacerile au idei, planuri \u0219i pia\u021b\u0103 de desfacere, dar nu dispun de suficiente garan\u021bii pentru a accesa un credit bancar?<\/p>\n\n\n\n

Conform datelor din Carta Alb\u0103 a IMM-urilor din Rom\u00e2nia 2025, interesul pentru produsele FNGCIMM – Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri – este \u00een cre\u0219tere.<\/strong><\/p>\n\n\n\n

Cre\u0219te \u00eencrederea \u00een produsele de garantare: dublare la nivelul inten\u021biei de utilizare<\/h2>\n\n\n\n

Datele prezentate \u00een Carta Alb\u0103 a IMM-urilor 2025 confirm\u0103 c\u0103 garan\u021biile oferite de FNGCIMM r\u0103spund unei nevoi reale a antreprenorilor rom\u00e2ni. Faptul c\u0103 aceste produse au fost utilizate deja de 5,25% dintre IMM-uri \u0219i c\u0103 inten\u021bia de utilizare aproape s-a dublat \u00een doar un an reflect\u0103 o direc\u021bie clar\u0103 de consolidare a \u00eencrederii.<\/p>\n\n\n\n

Potrivit cercet\u0103rii Carta Alb\u0103 a IMM-urilor din Rom\u00e2nia 2025 inten\u021bia IMM-urilor de a utiliza garan\u021bii FNGCIMM \u00een 2025 se ridic\u0103 la 11,56%, fa\u021b\u0103 de 5,25% \u00een 2024<\/strong>. Aceasta indic\u0103 faptul c\u0103 propor\u021bia a crescut de dou\u0103 ori fa\u021b\u0103 de nivelul anterior, reprezent\u00e2nd un semnal clar c\u0103 un num\u0103r tot mai mare de antreprenori apreciaz\u0103 avantajele oferite de instrumentele de garantare.<\/p>\n\n\n\n

De\u0219i \u00een 2024 garan\u021biile FNGCIMM au fost utilizate \u00eentr-o m\u0103sur\u0103 mai redus\u0103 dec\u00e2t alte surse precum creditul furnizor (6,30%) sau leasingul (25,72%), cre\u0219terea inten\u021biei de utilizare arat\u0103 un trend pozitiv, sus\u021binut de experien\u021bele bune ale beneficiarilor \u0219i de nevoia real\u0103 de sprijin \u00een accesarea creditelor bancare.<\/p>\n\n\n\n

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

Corela\u021bii relevante: cine declar\u0103 cea mai mare nevoie \u0219i cine folose\u0219te cel mai bine garan\u021biile?<\/h2>\n\n\n\n

Carta Alb\u0103 a IMM-urilor din Rom\u00e2nia 2025 a identificat, ca \u00een fiecare an, principalele modalit\u0103\u021bi de finan\u021bare a afacerilor \u00een 2024 iar cele mai frecvente r\u0103spunsuri au fost: Autofinan\u021bare: 50,92%, Credite bancare: 45,14%, Leasing: 25,72% sau Fonduri nerambursabile: 20,73%.<\/p>\n\n\n\n

Creditele garantate de FNGCIMM, indicate de un procent de 5,25% dintre responden\u021bi, au fost dep\u0103\u0219ite de Creditul furnizor (6,30%) dar au dep\u0103\u0219it   alte modalit\u0103\u021bi de finan\u021bare  de tip factoring, emisiuni de ac\u021biuni etc..<\/p>\n\n\n\n

Inten\u021biile legate de anul 2025, au men\u021binut Autofinan\u021barea pe primul loc (45,43%), au dublat interesul pentru Fondurile nerambursabile (42,74%), au sc\u0103zut cu 8,58% interesul pentru Credite bancare dar au indicat inten\u021bia de utilizare a unor credite garantate de FNGCIMM<\/a> de la 5,25% la 11,56%.<\/p>\n\n\n\n

Cercetarea a analizat \u0219i principalele bariere semnalate de antreprenori \u00een accesarea finan\u021b\u0103rilor bancare \u0219i a plasat Lipsa garan\u021biilor \u00een top 3, al\u0103turi de pre\u021bul ridicat (54,09%) \u0219i procedurile complicate (34,99%), aceasta din urm\u0103 fiind indicat\u0103 de 26,55% dintre responden\u021bi.<\/p>\n\n\n\n

Datele prezentate \u00een Carta Alb\u0103 a IMM-urilor 2025 ofer\u0103 o perspectiv\u0103 valoroas\u0103 asupra modului \u00een care firmele, \u00een func\u021bie de diverse criterii, percep \u0219i utilizeaz\u0103 sau inten\u021bioneaz\u0103 s\u0103 utilizeze garan\u021biile FNGCIMM.<\/strong><\/p>\n\n\n\n

Astfel, \u00een func\u021bie de vechimea firmei, situa\u021bia se prezint\u0103 ca \u00een tabelul de mai jos:<\/p>\n\n\n\n

V\u00e2rsta firmei<\/td>A utilizat garan\u021bii FNGCIMM \u00een 2024<\/td>Percepe lipsa garan\u021biilor ca barier\u0103 (%)<\/td>Inten\u021bioneaz\u0103 s\u0103 utilizeze garan\u021bii FNGCIMM (%)<\/td><\/tr>
Sub 5 ani<\/td>5,63%<\/td>26,67%<\/td>14,06%<\/td><\/tr>
5\u201310 ani<\/td>7,25%<\/td>26,03%<\/td>8,93%<\/td><\/tr>
10\u201315 ani<\/td>3,39%<\/td>32,14%<\/td>16,33%<\/td><\/tr>
Peste 15 ani<\/td>5,33%<\/td>25,54%<\/td>11,46%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Coroborarea celor trei seturi de date \u2013 utilizarea efectiv\u0103 a garan\u021biilor \u00een 2024, percep\u021bia privind barierele legate de lipsa garan\u021biilor, respectiv inten\u021bia de a apela la garan\u021biile FNGCIMM \u2013 relev\u0103 anumite decalaje \u00eentre nevoie \u0219i comportamentul real.<\/p>\n\n\n\n

Spre exemplu, firmele cu o vechime \u00eentre 10 \u0219i 15 ani semnaleaz\u0103 cel mai des lipsa garan\u021biilor ca obstacol \u00een accesarea creditelor (32,14%), \u00eens\u0103 doar 3,39% dintre ele declar\u0103 c\u0103 au utilizat efectiv garan\u021bii, \u00een timp ce 16,33% declar\u0103 inten\u021bia de a le accesa, cea mai mare \u00eenclina\u021bie dintre toate grupele de v\u00e2rst\u0103.<\/p>\n\n\n\n

O discrepan\u021b\u0103 similar\u0103 apare \u0219i \u00een cazul firmelor mai tinere, sub 5 ani, unde peste un sfert reclam\u0103 lipsa garan\u021biilor (26,67%), \u00eens\u0103 doar 5,63% afirm\u0103 c\u0103 le-au folosit, iar 14,06% inten\u021bioneaz\u0103 s\u0103 le utilizeze. Start-upurile v\u0103d \u00een FNGCIMM un sprijin poten\u021bial. De\u0219i constr\u00e2nse de statutul de nou-\u00eenfiin\u021bate (cu un acces mai greu la finan\u021bare), aproape 1 din 7 vrea s\u0103 foloseasc\u0103 garan\u021bii. Acest segment merit\u0103 o strategie de informare timpurie \u0219i sprijin \u00een preg\u0103tirea documenta\u021biei.<\/p>\n\n\n\n

Segmentul 5\u201310 ani pare a fi deja conectat la instrumentele de garantare, av\u00e2nd cel mai mare procent dintre toate categoriile, inten\u021bia de accesare \u00een viitor e mai sc\u0103zut\u0103, posibil pentru c\u0103 o parte \u0219i-a rezolvat deja nevoile de finan\u021bare \u00eens\u0103, exista cu mare probabilitate posibilit\u0103\u021bi de dezvoltare \u0219i de loializare.<\/p>\n\n\n\n

Segmentul peste 15 ani declar\u0103 \u00een procent de 5,33% c\u0103 au utilizat garan\u021bii, u\u0219or peste media general\u0103. 25,54% semnaleaz\u0103 lipsa garan\u021biilor ca barier\u0103 iar 11,46% doresc s\u0103 foloseasc\u0103 garan\u021biile FNGCIMM \u2013 o inten\u021bie rezonabil\u0103.<\/p>\n\n\n\n

Firmele mature sunt mai stabile financiar, p\u0103streaz\u0103 deschiderea fa\u021b\u0103 de instrumente de garantare \u0219i, \u00een contextul \u00een care 1 din 4 invoc\u0103 lipsa garan\u021biilor ca obstacol, FNGCIMM poate r\u0103m\u00e2ne relevant \u0219i pentru acest segment care probabil ar reac\u021biona la argumente de eficien\u021b\u0103 \u0219i optimizare a costurilor, nu doar la nevoia de sprijin.<\/p>\n\n\n\n

\u00centr-o perioad\u0103 \u00een care competitivitatea mediului de afaceri se bazeaz\u0103 nu doar pe idei inovatoare, ci \u0219i pe accesul facil \u0219i rapid la resurse financiare, garan\u021biile oferite de FNGCIMM pot face diferen\u021ba esen\u021bial\u0103 pentru IMM-uri.<\/p>\n\n\n\n

Aceste garan\u021bii permit firmelor s\u0103 acceseze credite bancare f\u0103r\u0103 a necesita garan\u021bii imobiliare suplimentare, reduc\u00e2nd astfel costurile \u0219i timpul de procesare, ceea ce contribuie direct la flexibilitatea \u0219i viteza cu care IMM-urile pot investi \u0219i se pot adapta pe pia\u021b\u0103.<\/p>\n\n\n\n

FNGCIMM func\u021bioneaz\u0103 ca un facilitator de \u00eencredere \u00eentre antreprenori \u0219i b\u0103nci, oferind o gam\u0103 diversificat\u0103 de produse de garantare \u2013 precum Garan\u021bia PLAFON pentru finan\u021barea activit\u0103\u021bii curente \u0219i investi\u021biilor sau Garan\u021bia OPTIMM dedicat\u0103 firmelor mici \u0219i startup-urilor, toate cu procese digitale rapide \u0219i transparente. Astfel, accesul la resurse financiare devine nu doar o povar\u0103 redus\u0103, ci \u0219i o oportunitate real\u0103 pentru dezvoltare \u0219i consolidare, aspect vital \u00een contextul economic actual, unde viteza deciziilor \u0219i lichiditatea sunt determinante pentru competitivitate \u0219i sustenabilitate.<\/p>\n\n\n\n

\u00cen plus, aceste garan\u021bii reprezint\u0103 instrumente lichide \u0219i sigure pentru b\u0103nci, contribuind la men\u021binerea unui portofoliu s\u0103n\u0103tos \u0219i la optimizarea cerin\u021belor financiare ale institu\u021biilor de credit.<\/p>\n\n\n\n

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

Mul\u021bumim echipei de exper\u021bi din cadrul IMM Rom\u00e2nia \u0219i 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

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

\u00centr-un climat economic \u00een care cuv\u00e2ntul-cheie este \u201epredictibilitate\u201d, accesul la finan\u021bare devine pentru IMM-uri nu doar o dorin\u021b\u0103, ci o condi\u021bie de supravie\u021buire \u0219i dezvoltare. Dar ce se \u00eent\u00e2mpl\u0103 c\u00e2nd afacerile au idei, planuri \u0219i pia\u021b\u0103 de desfacere, dar nu dispun de suficiente garan\u021bii pentru a accesa un credit bancar? Conform datelor din Carta Alb\u0103 […]<\/p>\n","protected":false},"author":1,"featured_media":12744,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[2613,170,3519,3879,162,1212],"class_list":{"0":"post-12743","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-afaceri","9":"tag-firme","10":"tag-fngcimm","11":"tag-garantii","12":"tag-imm","13":"tag-predictibilitate"},"yoast_head":"\nFNGCIMM \u00ee\u0219i confirm\u0103 rolul esen\u021bial de intermediar \u00eentre antreprenori \u0219i finan\u021batori - Covasna45<\/title>\n<meta name=\"description\" content=\"Aceste garan\u021bii permit firmelor s\u0103 acceseze credite bancare f\u0103r\u0103 a necesita garan\u021bii imobiliare suplimentare.\" \/>\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-isi-confirma-rolul-esential-de-intermediar-intre-antreprenori-si-finantatori\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FNGCIMM \u00ee\u0219i confirm\u0103 rolul esen\u021bial de intermediar \u00eentre antreprenori \u0219i finan\u021batori - 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