{"id":13466,"date":"2025-10-16T13:16:28","date_gmt":"2025-10-16T11:16:28","guid":{"rendered":"https:\/\/covasna45.ro\/?p=13466"},"modified":"2025-10-16T13:16:44","modified_gmt":"2025-10-16T11:16:44","slug":"instrumentele-financiare-de-garantare-pentru-imm-uri-in-era-inteligentei-artificiale-dezbatere-la-bucuresti","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/instrumentele-financiare-de-garantare-pentru-imm-uri-in-era-inteligentei-artificiale-dezbatere-la-bucuresti\/","title":{"rendered":"Instrumentele financiare de garantare pentru IMM-uri \u00een era inteligen\u021bei artificiale, dezbatere la Bucure\u0219ti"},"content":{"rendered":"\n<p>\u00cen data de <strong>15 octombrie 2025<\/strong> a avut loc webinarul interna\u021bional <strong>\u201eArtificial Intelligence &amp; Guarantee Institutions: Policy and Practice\u201d<\/strong>, organizat de <strong>Asocia\u021bia European\u0103 a Institu<\/strong><strong>\u021biilor <\/strong><strong>de Garantare (AECM)<\/strong>. Evenimentul a reunit <strong>32 de institu\u021bii financiare din 21 de \u021b\u0103ri europene<\/strong>, \u00eentr-un dialog strategic dedicat modului \u00een care <strong>inteligen\u021ba artificial\u0103 (IA)<\/strong> transform\u0103 serviciile financiare, reglement\u0103rile \u0219i opera\u021biunile institu\u021biilor bancare \u0219i de garantare.<\/p>\n\n\n\n<p>Scopul reuniunii a fost de a explora modul \u00een care <strong>inteligen\u021ba artificial\u0103 remodeleaz\u0103 peisajul de reglementare, serviciile financiare \u0219i procesele digitale<\/strong> ale institu\u021biilor bancare \u0219i de garantare. \u00centruc\u00e2t aceste institu\u021bii joac\u0103 un rol cheie \u00een facilitarea accesului IMM-urilor la finan\u021bare, \u00een\u021belegerea oportunit\u0103\u021bilor \u0219i riscurilor asociate utiliz\u0103rii AI devine tot mai important\u0103.<\/p>\n\n\n\n<p>Rom\u00e2nia a fost reprezentat\u0103 de <strong>Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (<a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-ofera-scrisori-de-garantie-pentru-beneficiarii-afir\/\">FNGCIMM<\/a>)<\/strong>, prin dl. Ciprian Alic, pre\u0219edinte al Grupului de lucru pentru digitalizare din cadrul AECM \u0219i membru al Consiliului Director al organiza\u021biei. Acesta a moderat sesiunea dedicat\u0103 digitaliz\u0103rii, oferind o perspectiv\u0103 asupra modului \u00een care tehnologiile emergente pot sus\u021bine institu\u021biile de garantare \u00een sprijinirea IMM-urilor.<\/p>\n\n\n\n<p>Din partea Rom\u00e2niei, au fost invita\u021bi s\u0103 participe la dezbateri \u0219i reprezentan\u021bii <strong>Institutului Na\u021bional de Cercetare-Dezvoltare \u00een Informatic\u0103 \u2013 ICI Bucure\u0219ti<\/strong>, prin directorul general, dr. ing.Adrian Vevera, iar doamna dr. Carmen Elena C\u00eernu, Director \u0218tiin\u021bific, a sus\u021binut o prezentare cu tema <strong>\u201eIA \u0219i securitatea cibernetic\u0103: perspective de cercetare \u0219i institu\u021bionale\u201d<\/strong>.<\/p>\n\n\n\n<p>\u00cen interven\u021bia sa, reprezentanta ICI \u2013 Bucure\u0219ti a subliniat c\u0103 inteligen\u021ba artificial\u0103 transform\u0103 ecosistemele financiare, evaluarea riscurilor \u0219i luarea deciziilor \u00een multiple domenii, plas\u00e2nd institu\u021biile de garantare la intersec\u021bia dintre inova\u021bie, transformare \u0219i etic\u0103.<\/p>\n\n\n\n<p>Pe l\u00e2ng\u0103 noi oportunit\u0103\u021bi, AI introduce noi vulnerabilit\u0103\u021bi &#8211; scurgeri de date, manipularea modelelor \u0219i p\u0103rtinire algoritmic\u0103, astfel c\u0103 \u00eentrebarea nu este dac\u0103 folosim IA, ci c\u00e2t de sigur \u0219i responsabil o implement\u0103m.<\/p>\n\n\n\n<p>Participan\u021bii au subliniat importan\u021ba men\u021binerii unui cadru etic, transparent \u0219i sigur pentru utilizarea IA \u00een serviciile financiare, accentu\u00e2nd ideea c\u0103 inova\u021bia trebuie s\u0103 mearg\u0103 m\u00e2n\u0103 \u00een m\u00e2n\u0103 cu securitatea, transparen\u021ba \u0219i \u00eencrederea.<\/p>\n\n\n\n<p>Reprezentantul Parlamentului European, Brando Benifei, co-raportor al AI Act, a eviden\u021biat necesitatea de a reduce riscurile asociate utiliz\u0103rii tehnologiilor bazate pe IA, \u00een paralel cu stimularea competitivit\u0103\u021bii \u0219i dezvolt\u0103rii economice.<\/p>\n\n\n\n<p>Participan\u021bii au mai avut ocazia de a afla cele mai recente perspective politice europene, un studiu de caz academic privind utilizarea IA \u00een finan\u021barea IMM-urilor, experien\u021ba concret\u0103 a AWS (Austria) \u00een aplicarea inteligen\u021bei artificiale \u00een schemele de garantare \u0219i o contribu\u021bie semnificativ\u0103 privind securitatea cibernetic\u0103 din partea ICI Bucure\u0219ti.<\/p>\n\n\n\n<p>Evenimentul a inclus \u0219i o sesiune interactiv\u0103 de \u00eentreb\u0103ri \u0219i r\u0103spunsuri, care a permis schimbul de opinii \u0219i bune practici \u00eentre exper\u021bi, cercet\u0103tori \u0219i reprezentan\u021bi ai institu\u021biilor financiare din \u00eentreaga Europ\u0103.<\/p>\n\n\n\n<p>Participarea <strong>FNGCIMM<\/strong> \u0219i <strong>ICI Bucure\u0219ti<\/strong> la acest webinar se \u00eenscrie \u00een seria de evenimente organizate \u00een cadrul parteneriatului strategic \u00eencheiat \u00eentre cele dou\u0103 institu\u021bii \u00een cursul anului 2025. Acordul are ca obiectiv principal promovarea specializ\u0103rii inteligente \u0219i a colabor\u0103rii \u00een domeniul digitaliz\u0103rii \u0219i cercet\u0103rii aplicate, prin:<\/p>\n\n\n\n<p>\u00b7&nbsp; I<strong>mplicare activ\u0103 \u00een evenimente care promoveaz\u0103 adoptarea de noi tehnologii de c\u0103tre IMM-urile din Rom\u00e2nia<\/strong>;<\/p>\n\n\n\n<p>\u00b7&nbsp; <strong>Dezvoltarea de noi direc\u021bii de colaborare<\/strong> \u2013 explorarea \u0219i valorificarea oportunit\u0103\u021bilor de parteneriat la nivel na\u021bional \u0219i interna\u021bional;<\/p>\n\n\n\n<p><strong>\u00b7<\/strong><strong>&nbsp; <\/strong><strong>Lansarea de proiecte strategice<\/strong> \u2013 ini\u021bierea \u0219i implementarea de proiecte comune finan\u021bate din fonduri europene \u0219i na\u021bionale, cu impact direct asupra mediului antreprenorial \u0219i de cercetare;<\/p>\n\n\n\n<p>\u00b7&nbsp; <strong>Consolidarea unui dialog permanent<\/strong><strong> <\/strong>\u0219i a unei colabor\u0103ri active \u00eentre parteneri \u0219i institu\u021biile relevante din Rom\u00e2nia \u0219i din str\u0103in\u0103tate, pentru schimb de expertiz\u0103 \u0219i bune practici.<\/p>\n\n\n\n<p>* * *<\/p>\n\n\n\n<p><em>Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderile Mici \u015fi Mijlocii -FNGCIMM SA-IFN- este o institu\u0163ie financiar\u0103 nebancar\u0103, cu capital de risc, \u00eenfiin\u0163at\u0103 \u00een scopul facilit\u0103rii accesului IMM-urilor la finan\u0163\u0103ri, prin acordarea de garan\u0163ii pentru instrumentele de finan\u0163are contractate de la b\u0103nci comerciale sau din alte surse. <\/em><\/p>\n\n\n\n<p><em>FNGCIMM SA &#8211; IFN colaboreaz\u0103 cu 27 institu\u0163ii financiare \u00een baza unor conven\u0163ii de lucru. Garan\u021bia FNGCIMM SA &#8211; IFN este cea mai lichid\u0103 garan\u021bie, pl\u0103tibil\u0103 \u00een maxim 90 zile de la solicitarea de plat\u0103 a finan\u0163atorului, \u00eenso\u0163it\u0103 de documenta\u0163ia complet\u0103, fa\u021b\u0103 de minim 2 ani, durata medie de executare a unei ipoteci.<\/em><em><\/em><\/p>\n\n\n\n<p>* * *<\/p>\n\n\n\n<p><em>AECM, prin reunirea a 47 de membri din 32 de \u021b\u0103ri \u0219i 6 organiza\u021bii multina\u021bionale partenere, joac\u0103 un rol crucial \u00een sus\u021binerea IMM-urilor, promovarea investi\u021biilor durabile \u0219i \u00eembun\u0103t\u0103\u021birea accesului la finan\u021bare. Activit\u0103\u021bile \u0219i ini\u021biativele derulate de AECM contribuie semnificativ la consolidarea ecosistemului financiar european \u0219i la stimularea cre\u0219terii economice durabile.<\/em><\/p>\n\n\n\n<p><em>Pentru informa\u021bii suplimentare- info@fngcimm.ro\u00a0\u0219i <a href=\"https:\/\/www.fngcimm.ro\/\">www.fngcimm.ro.<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cen data de 15 octombrie 2025 a avut loc webinarul interna\u021bional \u201eArtificial Intelligence &amp; Guarantee Institutions: Policy and Practice\u201d, organizat de Asocia\u021bia European\u0103 a Institu\u021biilor de Garantare (AECM). Evenimentul a reunit 32 de institu\u021bii financiare din 21 de \u021b\u0103ri europene, \u00eentr-un dialog strategic dedicat modului \u00een care inteligen\u021ba artificial\u0103 (IA) transform\u0103 serviciile financiare, reglement\u0103rile \u0219i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13467,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3698,3519,3955],"class_list":{"0":"post-13466","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-finante-2","9":"tag-fngcimm","10":"tag-garantii-2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Instrumentele financiare de garantare pentru IMM-uri \u00een era inteligen\u021bei artificiale, dezbatere la 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