{"id":16735,"date":"2026-06-04T14:27:30","date_gmt":"2026-06-04T12:27:30","guid":{"rendered":"https:\/\/covasna45.ro\/?p=16735"},"modified":"2026-06-04T14:30:03","modified_gmt":"2026-06-04T12:30:03","slug":"fngcimm-incepe-selectia-intermediarilor-financiari-in-cadrul-produsului-garantia-de-portofoliu-din-fonduri-proprii-fngcimm","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-incepe-selectia-intermediarilor-financiari-in-cadrul-produsului-garantia-de-portofoliu-din-fonduri-proprii-fngcimm\/","title":{"rendered":"FNGCIMM \u00eencepe selec\u021bia intermediarilor financiari \u00een cadrul produsului \u201eGaran\u021bia de portofoliu din fonduri proprii \u2013 FNGCIMM\u201d"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii S.A. \u2013 IFN (FNGCIMM) anun\u021b\u0103 lansarea procesului de selec\u021bie a intermediarilor financiari eligibili pentru implementarea produsului \u201eGaran\u021bia de portofoliu din fonduri proprii \u2013 FNGCIMM\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prin aceast\u0103 ini\u021biativ\u0103, FNGCIMM urm\u0103re\u0219te extinderea accesului la finan\u021bare pentru \u00eentreprinderile mici \u0219i mijlocii, profesiile liberale, fermierii care desf\u0103\u0219oar\u0103 activit\u0103\u021bi economice sau agricole, asocia\u021biile agricole \u0219i start-up-urile, prin facilitarea acord\u0103rii de credite garantate \u00een condi\u021bii simplificate \u0219i eficiente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Produsul \u201eGaran\u021bia de portofoliu din fonduri proprii \u2013 FNGCIMM\u201d reprezint\u0103 un mecanism de partajare a riscului de credit, prin care FNGCIMM preia o parte din riscul asociat portofoliilor de credite eligibile acordate de intermediarii financiari parteneri, \u00een baza conven\u021biilor de garantare \u00eencheiate cu ace\u0219tia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acest tip de garan\u021bie ofer\u0103 multiple avantaje:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>simplificarea procedurilor de garantare;<\/li>\n\n\n\n<li>reducerea birocra\u021biei pentru beneficiarii finali;<\/li>\n\n\n\n<li>accelerarea procesului de aprobare a finan\u021b\u0103rilor;<\/li>\n\n\n\n<li>stimularea diversific\u0103rii produselor de creditare;<\/li>\n\n\n\n<li>cre\u0219terea accesului la finan\u021bare pentru IMM-uri \u0219i alte categorii eligibile.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen cadrul procesului de selec\u021bie pot participa institu\u021biile de credit definite conform OUG nr. 99\/2006 privind institu\u021biile de credit \u0219i adecvarea capitalului, precum \u0219i institu\u021biile financiare nebancare (IFN) definite conform Legii nr. 93\/2009 privind institu\u021biile financiare nebancare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Procesul de selec\u021bie a intermediarilor financiari, se va desf\u0103\u0219ura \u00een trei etape:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. Preselec\u021bia intermediarilor financiari;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Procesul de due diligence;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. Negocierea, aprobarea \u0219i semnarea conven\u021biilor de garantare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen etapa de evaluare, FNGCIMM va analiza capacitatea opera\u021bional\u0103 \u0219i financiar\u0103 a solicitan\u021bilor, experien\u021ba relevant\u0103 \u00een finan\u021barea beneficiarilor eligibili, strategia de implementare, precum \u0219i capacitatea de gestionare a portofoliilor de credite garantate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Institu\u021biile interesate sunt invitate s\u0103 transmit\u0103 Cererea de exprimare a interesului (CEI), \u00eempreun\u0103 cu documenta\u021bia aferent\u0103, la adresa de e-mail: <a href=\"mailto:garantieportofoliu@fngcimm.ro\">garantieportofoliu@fngcimm.ro<\/a>, p\u00e2n\u0103 la data de 01.07.2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Documenta\u021bia complet\u0103 aferent\u0103 invita\u021biei de participare este disponibil\u0103 pe site-ul oficial al FNGCIMM, <a href=\"https:\/\/www.fngcimm.ro\/garan%C8%9Bia-de-portofoliu-din-fonduri-proprii-fngcimm\">AICI<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prin dezvoltarea acestui produs de garantare, FNGCIMM \u00ee\u0219i reafirm\u0103 rolul de partener strategic al mediului de afaceri \u0219i al sistemului financiar, contribuind activ la \u00eembun\u0103t\u0103\u021birea accesului la finan\u021bare \u0219i la sus\u021binerea dezvolt\u0103rii economiei rom\u00e2ne\u0219ti.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/06\/fngccc.jpg\" alt=\"\" class=\"wp-image-16737\" srcset=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/06\/fngccc.jpg 940w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/06\/fngccc-300x251.jpg 300w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/06\/fngccc-768x644.jpg 768w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/06\/fngccc-150x126.jpg 150w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/06\/fngccc-696x583.jpg 696w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Despre FNGCIMM<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii S.A. \u2013 IFN este o institu\u021bie financiar\u0103 nebancar\u0103 specializat\u0103 \u00een garantarea creditelor \u0219i implementarea programelor destinate sus\u021binerii mediului de afaceri din Rom\u00e2nia. FNGCIMM faciliteaz\u0103 accesul IMM-urilor la finan\u021bare \u0219i contribuie la dezvoltarea economic\u0103 sustenabil\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii S.A. \u2013 IFN (FNGCIMM) anun\u021b\u0103 lansarea procesului de selec\u021bie a intermediarilor financiari eligibili pentru implementarea produsului \u201eGaran\u021bia de portofoliu din fonduri proprii \u2013 FNGCIMM\u201d. Prin aceast\u0103 ini\u021biativ\u0103, FNGCIMM urm\u0103re\u0219te extinderea accesului la finan\u021bare pentru \u00eentreprinderile mici \u0219i mijlocii, profesiile liberale, fermierii care desf\u0103\u0219oar\u0103 activit\u0103\u021bi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16585,"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":["post-16735","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lumea-noastra","tag-finantare-2","tag-fngcimm","tag-garantie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FNGCIMM \u00eencepe selec\u021bia intermediarilor financiari \u00een cadrul produsului \u201eGaran\u021bia de portofoliu din fonduri proprii \u2013 FNGCIMM\u201d - 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