\nBCR, cea mai mare banc\u0103 local\u0103 dup\u0103 activele de\u0163inute, vrea s\u0103-\u015fi extind\u0103 portofoliul de clien\u0163i \u00eentreprinderi mici \u015fi mijlocii (IMM) \u015fi le vinde acestora credite \u00een lei f\u0103r\u0103 garan\u0163ii, dar cu depozit colateral. Valoarea maxim\u0103 a liniei de finan\u0163are ajunge la 300.000 de lei, iar perioada de rambursare a creditului este de trei ani.<\/p>\n
\nCostul finan\u0163\u0103rii este format din dob\u00e2nda de referin\u0163\u0103 Robor la o lun\u0103 sau la trei luni plus marja b\u0103ncii care variaz\u0103 \u00eentre 4,5% \u015fi 7,5%, \u00een func\u0163ie de situa\u0163ia financiar\u0103 a clientului.<\/p>\n
\n\u201eSegmentul companiilor mici este cel mai dinamic \u015fi creditul f\u0103r\u0103 garan\u0163ii reprezint\u0103 un mod de a r\u0103spunde nevoii clien\u0163ilor care au afaceri bine gestionate \u015fi cu poten\u0163ial de cre\u015ftere, dar care nu dispun de garan\u0163ii suficiente\u201d, a declarat Sorin Mititelu, director executiv, direc\u0163ia managementul segmentelor retail \u00een cadrul BCR.<\/p>\n
\nCreditul este garantat \u00een propor\u0163ie de maximum 80% de c\u0103tre Fondul de Garantare a Creditelor pentru IMM-uri, clien\u0163ii nefiind obliga\u0163i s\u0103 prezinte \u015fi alte tipuri de garan\u0163ii. Destina\u0163ia finan\u0163\u0103rii o reprezint\u0103 capitalul de lucru \u015fi activitatea curent\u0103.<\/p>\n
\nAcest articol a ap\u0103rut \u00een edi\u0163ia tip\u0103rit\u0103 a Ziarului Financiar din data de 10.09.2013<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":" BCR, cea mai mare banc\u0103 local\u0103 dup\u0103 activele de\u0163inute, vrea s\u0103-\u015fi extind\u0103 portofoliul de clien\u0163i \u00eentreprinderi mici \u015fi mijlocii (IMM) \u015fi le vinde acestora credite \u00een lei f\u0103r\u0103 garan\u0163ii, dar cu depozit colateral. <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[5078,485,35242,35243,379],"class_list":["post-99075","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-bcr","tag-credite","tag-depozit-colateral","tag-firme-mici","tag-garantii"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/99075","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=99075"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/99075\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=99075"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=99075"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=99075"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}