{"id":16454,"date":"2026-05-15T10:46:22","date_gmt":"2026-05-15T08:46:22","guid":{"rendered":"https:\/\/covasna45.ro\/?p=16454"},"modified":"2026-05-15T10:47:37","modified_gmt":"2026-05-15T08:47:37","slug":"fngcimm-si-intesa-sanpaolo-bank-semneaza-conventia-pentru-refinantarea-creditelor-imm","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-si-intesa-sanpaolo-bank-semneaza-conventia-pentru-refinantarea-creditelor-imm\/","title":{"rendered":"FNGCIMM \u0219i Intesa Sanpaolo Bank semneaz\u0103 Conven\u021bia pentru refinan\u021barea creditelor IMM"},"content":{"rendered":"\n<p>Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (FNGCIMM), \u00eempreun\u0103 cu Intesa Sanpaolo Bank Rom\u00e2nia, anun\u021b\u0103 semnarea Conven\u021biei de Garantare Plafon. \u00cen baza acesteia, pun la dispozi\u021bia clien\u021bilor IMM o nou\u0103 solu\u021bie de refinan\u021bare garantat\u0103 pentru creditele<br>de capital de lucru acordate \u00een cadrul programelor IMM Invest Plus \u0219i IMM Plus.<\/p>\n\n\n\n<p>Noua facilitate de refinan\u021bare garantat\u0103 se adreseaz\u0103 IMM-urilor care au beneficiat de finan\u021b\u0103ri garantate de FNGCIMM \u00een cadrul programelor IMM Invest Plus (OUG nr. 99\/2022) \u0219i IMM Plus (OUG nr. 18\/2024), indiferent dac\u0103 finan\u021barea ini\u021bial\u0103 a fost acordat\u0103 de Intesa Sanpaolo Bank sau de o alt\u0103 banc\u0103 participant\u0103 \u00een program.<\/p>\n\n\n\n<p>\u201e<strong>Conven\u021bia semnat\u0103 \u00eentre FNGCIMM \u0219i Intesa Sanpaolo Bank reconfirm\u0103 angajamentul comun de a r\u0103m\u00e2ne al\u0103turi de antreprenori \u00eentr-o perioad\u0103 caracterizat\u0103 de volatilitate \u0219i ajust\u0103ri dificile, care afecteaz\u0103 \u00een mod direct accesul la finan\u021bare al IMM-urilor. Refinan\u021barea creditelor garantate, consolideaz\u0103 accesul companiilor la solu\u021bii de finan\u021bare, iar mediul antreprenorial \u00een ansamblul s\u0103u beneficiaz\u0103 de mai mult\u0103 stabilitate, predictibilitate \u0219i \u00eencredere, elemente at\u00e2t de necesare \u00een sus\u021binerea investi\u021biilor \u0219i a dezvolt\u0103rii pe termen lung<\/strong>\u201d, a declarat C\u0103t\u0103lin Leonte, directorul general al<br>FNGCIMM.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1018\" height=\"1003\" src=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/05\/cata.jpg\" alt=\"\" class=\"wp-image-16455\" srcset=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/05\/cata.jpg 1018w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/05\/cata-300x296.jpg 300w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/05\/cata-768x757.jpg 768w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/05\/cata-150x148.jpg 150w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/05\/cata-696x686.jpg 696w\" sizes=\"auto, (max-width: 1018px) 100vw, 1018px\" \/><\/figure>\n\n\n\n<p>\u201e<strong><em>Intesa Sanpaolo Bank are un lung istoric de sus\u021binere a antreprenorilor rom\u00e2ni, iar sectorul IMM r\u0103m\u00e2ne o prioritate strategic\u0103 pentru noi. IMM-urile sunt motorul economiei rom\u00e2ne\u0219ti: creeaz\u0103 locuri de munc\u0103, genereaz\u0103 inova\u021bie \u0219i contribuie la dezvoltarea \u021b\u0103rii. \u00centr-un context economic care aduce cu sine \u0219i provoc\u0103ri, ne dorim s\u0103 fim parte din solu\u021bie pentru oamenii de afaceri, iar aceast\u0103 facilitate de refinan\u021bare garantat\u0103 este unul dintre instrumentele prin care \u00eei sus\u021binem<\/em><\/strong>.<\/p>\n\n\n\n<p>\u00cen esen\u021b\u0103, un astfel de instrument poate fi o punte \u00eentre ce au construit antreprenorii p\u00e2n\u0103 azi \u0219i ce vor putea construi de m\u00e2ine&#8221;, a declarat Alessio Cioni, Director General \u0219i CEO Intesa Sanpaolo Bank Rom\u00e2nia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce \u00eenseamn\u0103 acest lucru pentru IMM-uri?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Posibilitatea refinan\u021b\u0103rii creditelor de capital de lucru existente, acordate \u00een cadrul programelor SME Invest Plus \u0219i SME Plus;<\/li>\n\n\n\n<li>Garan\u021bii de p\u00e2n\u0103 la 80% din valoarea creditului, prin intermediul FNGCIMM;<\/li>\n\n\n\n<li>Acces la finan\u021b\u0103ri cu garan\u021bii de p\u00e2n\u0103 la 4 milioane RON, raportate la soldul refinan\u021bat;<\/li>\n\n\n\n<li>Perioade de rambursare extinse, de p\u00e2n\u0103 la 36 de luni.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Despre FNGCIMM<\/h2>\n\n\n\n<p>Fondul Na\u0163ional de Garantare a Creditelor pentru \u00centreprinderile Mici \u015fi Mijlocii (FNGCIMM SA-IFN) este<br>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.<\/p>\n\n\n\n<p><a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/premiera-nationala-fngcimm-a-semnat-primele-16-protocoale-de-colaborare-cu-brokeri-de-credite\/\">FNGCIMM<\/a> acord\u0103 garan\u021bii din surse proprii, din surse \u00een administrare sau prin programe guvernamentale destinate relans\u0103rii economice.<\/p>\n\n\n\n<p>FNGCIMM o societate comercial\u0103 pe ac\u0163iuni, cu ac\u0163ionar unic statul rom\u00e2n, asigur\u0103 o acoperire teritorial\u0103 na\u021bional\u0103 \u0219i func\u021bioneaz\u0103 dup\u0103 reguli \u015fi principii europene.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Despre Intesa Sanpaolo Bank Rom\u00e2nia<\/h2>\n\n\n\n<p>Intesa Sanpaolo Bank Rom\u00e2nia este subsidiara local\u0103 a grupului italian Intesa Sanpaolo, unul dintre cele mai mari grupuri financiare din Europa. \u00cen Rom\u00e2nia, banca ofer\u0103 o gam\u0103 complet\u0103 de servicii pentru persoane fizice, IMM-uri \u0219i companii, bazate pe rela\u021bii pe termen lung \u0219i servicii de calitate, \u0219i are 59 de sucursale la nivel na\u021bional. \u00cen 2025, Intesa Sanpaolo Bank Rom\u00e2nia a fuzionat cu First<br>Bank, consolid\u00e2ndu-\u0219i pozi\u021bia pe pia\u021ba local\u0103. Banca face parte din Divizia B\u0103nci Interna\u021bionale a Grupului Intesa Sanpaolo, care deserve\u0219te 7,4 milioane de clien\u021bi prin 883 de sucursale \u00een 12 \u021b\u0103rii.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Despre Grupul Intesa Sanpaolo<\/h2>\n\n\n\n<p>Intesa Sanpaolo, cu un portofoliu de credite de 425 de miliarde de euro \u0219i active financiare ale clien\u021bilor de peste 1,5 trilioane de euro la sf\u00e2r\u0219itul lunii decembrie 2025, este cel mai mare grup bancar din Italia, cu o prezen\u021b\u0103 interna\u021bional\u0103 semnificativ\u0103. Cu o pozi\u021bie la scar\u0103 mondial\u0103 \u00een ceea ce prive\u0219te impactul social, Intesa Sanpaolo se angajeaz\u0103, de<br>asemenea, \u00een reducerea amprentei de carbon \u0219i \u00een sprijinirea clien\u021bilor \u00een tranzi\u021bia c\u0103tre o economie durabil\u0103.<\/p>\n\n\n\n<p>Sursa: <a href=\"https:\/\/fngcimm.ro\/\">FNGCIMM<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (FNGCIMM), \u00eempreun\u0103 cu Intesa Sanpaolo Bank Rom\u00e2nia, anun\u021b\u0103 semnarea Conven\u021biei de Garantare Plafon. \u00cen baza acesteia, pun la dispozi\u021bia clien\u021bilor IMM o nou\u0103 solu\u021bie de refinan\u021bare garantat\u0103 pentru creditelede capital de lucru acordate \u00een cadrul programelor IMM Invest Plus \u0219i IMM Plus. Noua facilitate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12068,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3534,3519,3752],"class_list":{"0":"post-16454","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-finantare-2","9":"tag-fngcimm","10":"tag-garantie"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FNGCIMM \u0219i Intesa Sanpaolo Bank semneaz\u0103 Conven\u021bia pentru refinan\u021barea creditelor IMM - Covasna45<\/title>\n<meta name=\"description\" content=\"\u00cen baza acesteia, pun la dispozi\u021bia clien\u021bilor IMM o nou\u0103 solu\u021bie de refinan\u021bare garantat\u0103 pentru creditelede capital de lucru.\" \/>\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-si-intesa-sanpaolo-bank-semneaza-conventia-pentru-refinantarea-creditelor-imm\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FNGCIMM \u0219i Intesa Sanpaolo Bank semneaz\u0103 Conven\u021bia pentru refinan\u021barea creditelor IMM - 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