{"id":19077,"date":"2026-10-09T12:49:12","date_gmt":"2026-10-09T09:49:12","guid":{"rendered":"https:\/\/covasna45.ro\/?p=19077"},"modified":"2026-10-09T12:49:13","modified_gmt":"2026-10-09T09:49:13","slug":"fngcimm-si-sectorul-bancar-un-parteneriat-solid-care-sustine-finantarea-imm-urilor-in-contextul-provocarilor-economice","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-si-sectorul-bancar-un-parteneriat-solid-care-sustine-finantarea-imm-urilor-in-contextul-provocarilor-economice\/","title":{"rendered":"FNGCIMM \u0219i sectorul bancar: un parteneriat solid care sus\u021bine finan\u021barea IMM-urilor \u00een contextul provoc\u0103rilor economice"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Rela\u021bia dintre Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri (FNGCIMM) \u0219i sectorul bancar din Rom\u00e2nia r\u0103m\u00e2ne una stabil\u0103, transparent\u0103 \u0219i orientat\u0103 c\u0103tre dezvoltarea unor parteneriate pe termen lung, \u00een beneficiul mediului de afaceri \u0219i al antreprenorilor rom\u00e2ni.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Experien\u021ba implement\u0103rii programului IMM INVEST a reprezentat pentru economia Rom\u00e2niei cel mai important parteneriat pentru finan\u021barea micro\u00eentreprinderilor, \u00eentreprinderilor mici \u0219i mijlocii desf\u0103\u0219urat simultan cu 22 de b\u0103nci, care a condus la acordarea a 81.033 de garan\u021bii \u00een valoare de 58,22 mld. lei ce au sus\u021binut finan\u021b\u0103ri de peste 67,85 mld.lei. <strong>&nbsp;<\/strong>Rezultatele \u00eenregistrate p\u00e2n\u0103 \u00een prezent confirm\u0103 eficien\u021ba mecanismului de garantare \u0219i capacitatea FNGCIMM de a-\u0219i respecta angajamentele chiar \u0219i \u00eentr-un context economic marcat de multiple provoc\u0103ri.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La doi ani \u0219i jum\u0103tate de la \u00eenchiderea programului IMM INVEST, <strong>creditele cu garan\u021bii de stat acordate de FNGCIMM \u00eenregistreaz\u0103 un grad de default de 3,73% din punct de vedere numeric \u0219i de 2,32% din punct de vedere valoric, raportat la valoarea total\u0103 a garan\u021biilor<\/strong> accesate de companii. Aceste valori sunt determinate prin raportarea num\u0103rului cererilor de plat\u0103 la volumul total al garan\u021biilor acordate, respectiv prin raportarea valorii cererilor de plat\u0103 la valoarea total\u0103 a garan\u021biilor acordate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Analiza evolu\u021biei portofoliului eviden\u021biaz\u0103 o dinamic\u0103 gradual\u0103 \u0219i predictibil\u0103 a gradului de default, specific\u0103 unor programe de finan\u021bare de amploare, care au sprijinit un num\u0103r semnificativ de \u00eentreprinderi \u00een perioade marcate de incertitudini economice \u0219i de presiuni asupra fluxurilor de lichiditate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cEvolu\u021bia trebuie analizat\u0103 \u00een contextul economic al ultimilor ani, marcat de cre\u0219terea costurilor de finan\u021bare, presiuni infla\u021bioniste \u0219i dificult\u0103\u021bi la nivelul anumitor sectoare economice. Cu toate acestea, nivelul actual al indicatorilor confirm\u0103 rezilien\u021ba majorit\u0103\u021bii beneficiarilor programelor de garantare \u0219i relevan\u021ba instrumentelor puse la dispozi\u021bia IMM-urilor de c\u0103tre FNGCIMM pentru men\u021binerea accesului la finan\u021bare, investi\u021bii \u0219i dezvoltare.\u201d, a declarat C\u0103t\u0103lin Leonte, directorul general al FNGCIMM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Astfel, p\u00e2n\u0103 la finalul anului 2023 a fost acordat un num\u0103r de 70.616 garan\u021bii, pentru care s-au \u00eenregistrat 530 cereri de plat\u0103, ceea ce a generat o rat\u0103 de default de 0,75%. La data de 31.12.2024, dintr-un total de 81.033 garan\u021bii acordate, au fost \u00eenregistrate 1.438 cereri de plat\u0103, gradul de default rezultat fiind de 1,77%. La 31.12.2025, num\u0103rul cererilor de plat\u0103 a ajuns la 2.416, ceea ce a determinat o cre\u0219tere a gradului de default la 2,98%. La data de 30.06.2026, num\u0103rul total al cererilor de plat\u0103 la nivelul \u00eentregului portofoliu de credite IMM INVEST a ajuns la 3.023, cu un grad de default valoric de 2,32% \u0219i un grad de default numeric de 3,73% din \u00eentregul portofoliu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Datele arat\u0103 o cre\u0219tere gradual\u0103 a gradului de default aferent creditelor garantate de stat prin programele guvernamentale IMM INVEST, IMM Invest Plus \u0219i IMM PLUS, \u00een perioada 2023 \u2013 30.06.2026, at\u00e2t din punct de vedere numeric, de la 0,75% la finalul anului 2023 la 3,73% la 30.06.2026, c\u00e2t \u0219i din punct de vedere valoric, de la aproximativ 0,5% la 31.12.2023 la 2,32% la 30.06.2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">FNGCIMM \u00ee\u0219i reafirm\u0103 angajamentul de a continua colaborarea str\u00e2ns\u0103 cu institu\u021biile de credit \u0219i cu mediul antreprenorial, \u00een vederea sus\u021binerii accesului la finan\u021bare al companiilor rom\u00e2ne\u0219ti \u0219i a consolid\u0103rii unui cadru favorabil dezvolt\u0103rii economice sustenabile.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Rela\u021bia dintre Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri (FNGCIMM) \u0219i sectorul bancar din Rom\u00e2nia r\u0103m\u00e2ne una stabil\u0103, transparent\u0103 \u0219i orientat\u0103 c\u0103tre dezvoltarea unor parteneriate pe termen lung, \u00een beneficiul mediului de afaceri \u0219i al antreprenorilor rom\u00e2ni. Experien\u021ba implement\u0103rii programului IMM INVEST a reprezentat pentru economia Rom\u00e2niei cel mai important parteneriat pentru finan\u021barea micro\u00eentreprinderilor, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17673,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3534,3519,3955,162],"class_list":["post-19077","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lumea-noastra","tag-finantare-2","tag-fngcimm","tag-garantii-2","tag-imm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FNGCIMM \u0219i sectorul bancar: un parteneriat solid care sus\u021bine finan\u021barea IMM-urilor \u00een contextul provoc\u0103rilor economice - Covasna45<\/title>\n<meta name=\"description\" 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