{"id":3093458,"date":"2022-06-06T12:10:01","date_gmt":"2022-06-06T09:10:01","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3093458"},"modified":"2023-12-21T21:23:41","modified_gmt":"2023-12-21T19:23:41","slug":"smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/","title":{"rendered":"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - only in romanian"},"content":{"rendered":"

\"\"<\/strong><\/p>\n

\"\"<\/p>\n

Teodora Petre, membru \u00een Comisia de Creditare a Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), explic\u0103, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, c\u0103 principalele elemente la care se uit\u0103 b\u0103ncile atunci c\u00e2nd analizeaz\u0103 solicitarea de credit a unui IMM sunt caracterul, capacitatea de rambursare a companiei respective, capitalul sau c\u00e2t au investit ac\u021bionarii companiei respective \u00een afacerea lor, condi\u021biile \u00een care urmeaz\u0103 s\u0103 beneficieze de credit \u0219i colateralul. <\/strong><\/p>\n

\u201eCaracterul este cel mai important atunci c\u00e2nd vine vorba de creditare. B\u0103ncile adun\u0103 depozite din pia\u021b\u0103 de la deponen\u021bi \u0219i au o responsabilitate major\u0103 fa\u021b\u0103 de ace\u0219tia. Banii acestor oameni pe care o banc\u0103 \u00eei adun\u0103 \u00een rezervele sale sunt mai departe sursele pentru finan\u021bare. Discut\u0103m condi\u021biile unui \u00eemprumut cu ac\u021bionarii companiei \u0219i tot de la ei ne a\u0219tept\u0103m s\u0103-i \u0219i ramburseze. Prin urmare, cred ca cel mai important lucru c\u00e2nd vine vorba de finan\u021barea unui IMM este caracterul \u00eemprumutatului<\/em>\u201d, explic\u0103 Teodora Petre.<\/p>\n

Ea adaug\u0103 c\u0103, \u00een primul r\u00e2nd, b\u0103ncile analizeaz\u0103 managementul companiei pentru a-\u0219i da seama de ce caracter au ac\u021bionarii acelei afaceri. Astfel, b\u0103ncile se asigur\u0103 c\u0103 exist\u0103 un background, o experien\u021b\u0103 a managementului companiei \u00een domeniul \u00een care aceasta activeaz\u0103.<\/p>\n

\u201eChiar dac\u0103 e\u0219ti la \u00eenceput de drum sau \u00een primii ani de existen\u021b\u0103 a afacerii, o experien\u021b\u0103 anterioar\u0103 \u00een domeniul \u00een care \u021bi-ai deschis un business clar are greutate \u00een modul \u00een care banca se uit\u0103 la tine c\u00e2nd vi s\u0103 ceri un credit<\/em>\u201d, continu\u0103 aceasta.<\/p>\n

De asemenea, conteaz\u0103 \u0219i istoricul antreprenorului sau ac\u021bionarilor ca persoane fizice, dar \u0219i dac\u0103 \u00een trecut au mai administrat alte afaceri sau au fost ac\u021bionari \u00een alte business-uri.<\/p>\n

\u201eSunt destul de multe persoane care nu dau importan\u021b\u0103 faptului c\u0103 au avut o \u00eent\u00e2rziere la plata unui credit \u00een trecut, dar c\u00e2nd b\u0103ncile se uit\u0103 \u00een istoricul lor \u0219i v\u0103d c\u0103 \u00een mod sistematic au avut \u00eent\u00e2rzieri, asta cred c\u0103 spune ceva \u00eentr-un final despre ei ca persoane, despre nivelul lor de organizare. <\/em>Totodat\u0103, e foarte important\u0103 \u0219i reputa\u021bia \u00een comunitate a firmei respective. Dac\u0103 ac\u021bioneaz\u0103 cu responsabilitate, dac\u0103 presa scrie lucruri bune sau mai pu\u021bin bune despre ceea ce fac ei acolo, dac\u0103 exist\u0103 review-uri negative la produsele pe care ei le v\u00e2nd. Sunt lucruri care, \u00een final, completeaz\u0103 un tablou la nivel de management<\/em>\u201d, mai spune Teodora Petre.<\/p>\n

Un alt element la care se uit\u0103 b\u0103ncile atunci c\u00e2nd analizeaz\u0103 cereri de finan\u021bare este \u0219i capacitatea de rambursare a business-ului respectiv.<\/p>\n

\u201eFoarte simplist, capacitatea de rambursare \u00eenseamn\u0103 ce venituri ob\u021bii \u00eentr-o lun\u0103 din activitatea ta obi\u0219nuit\u0103 \u0219i cu ce costuri realizezi aceast\u0103 produc\u021bie. Dac\u0103 \u00eentr-o lun\u0103 diferen\u021ba dintre veniturile acestea \u0219i cheltuielile aferente pentru a produce veniturile respective este pozitiv\u0103 \u0219i \u00ee\u021bi permite o rat\u0103 de credit pentru un credit pe 36 de luni, banca spune c\u0103 da, c\u0103 \u00een principiu te \u00eencadrezi, ai \u0219anse s\u0103 ob\u021bii un credit, pentru c\u0103 dovede\u0219ti c\u0103 din activitatea curent\u0103 reu\u0219e\u0219ti s\u0103 pl\u0103te\u0219ti \u00eemprumutul. <\/em>Dup\u0103 aceea se pune problema dac\u0103 compania respectiv\u0103 reu\u0219e\u0219te s\u0103-\u0219i \u00eencaseze clien\u021bii. Adic\u0103, dac\u0103 compania respectiv\u0103 pe ceea ce vinde \u0219i \u00eencaseaz\u0103. Mai exact, dac\u0103 eu v\u00e2nd acum \u0219i \u00eencasez de la clien\u021bi peste trei luni, realitatea este c\u0103 profitul din luna aceea este doar pe h\u00e2rtie momentan<\/em>\u201d, mai explic\u0103 aceasta.<\/p>\n

Discu\u021biile \u00eentre b\u0103nci \u0219i IMM-uri merg \u00eens\u0103 \u0219i mai departe de at\u00e2t. B\u0103ncile analizeaz\u0103 \u0219i clien\u021bii companiilor, vechimea lor, gradul lor de stabilitate \u0219i c\u00e2t de u\u0219or pot fi ei \u00eenlocui\u021bi. Sunt situa\u021bii \u00een care un business depinde \u00een propor\u021bie de 90% de un client, iar b\u0103ncile vor s\u0103 \u0219tie ce plan are managementul \u00een cazul \u00een care compania pierde clientul respectiv.<\/p>\n

\u201ePrin ace\u0219ti indicatori b\u0103ncile \u00eencearc\u0103 s\u0103 \u00een\u021beleag\u0103 cum circul\u0103 banii \u00eentr-o companie, care este domeniul de activitate. Spre exemplu, dac\u0103 activezi \u00een domeniul de panifica\u021bie o banc\u0103 te va \u00eentreba dac\u0103 ai utilajele necesare, \u00een ce m\u0103sur\u0103 respec\u021bi normele de siguran\u021b\u0103, dac\u0103 ai posibilitatea s\u0103-\u0219i extinzi business-ul \u00een loca\u021bia pe care o ai. To\u021bi ace\u0219ti indicatori sunt, \u00eentr-un final, judeca\u021bi \u00een contextul mai mare al pie\u021bei sau al industriei din care faci parte, pe baza unor modele de scor, care te compar\u0103 pe tine ca firm\u0103 activ\u0103 \u00eentr-un anumit domeniu cu alte firme care au aceea\u0219i dimensiune a cifrei de afaceri \u0219i care activeaz\u0103 \u00een acela\u0219i domeniu. Exist\u0103 o medie a industriei \u0219i, \u00een general, la o anumit\u0103 cifr\u0103 de afaceri, te a\u0219tep\u021bi s\u0103 ai o anumit\u0103 marj\u0103 de profit, un anumit profit opera\u021bional, un grad de \u00eendatorare de un anumit nivel, o capitalizare a firmei. Toate aceste lucruri sunt comparate prin medie \u0219i prime\u0219ti punctaj mai mic sau mai mare \u00een func\u021bie de cum indicatorii respective se aliniaz\u0103 mediei industriei<\/em>\u201d, precizeaz\u0103 Teodora Petre.<\/p>\n

Ea adaug\u0103 c\u0103 foarte important pentru b\u0103nci este \u0219i cu c\u00e2\u021bi bani au contribuit antreprenorii la propriile afaceri. Aceste sume de bani se reg\u0103sesc sub forma capitalului social \u0219i \u00een general al profitului reinvestit.<\/p>\n

\u201ePentru o banc\u0103 asta arat\u0103 c\u00e2t este un antreprenor dispus s\u0103 ri\u0219te pentru succesul propriei afaceri. \u00centotdeauna o banc\u0103 se va uita la c\u00e2t de mult e\u0219ti tu implicat ca antreprenor \u00een afacerea respectiv\u0103. C\u00e2t ai investit, ce suma ai investit ini\u021bial c\u00e2nd ai creat compania \u0219i care a fost atitudinea ta vizavi de profitul pe care l-ai realizat. A fost un profit pe care l-ai retras integral din companie sau pe care l-ai reinvestit utiliz\u00e2ndu-l ca s\u0103 cre\u0219ti business-ul de la momentul \u00een care ai \u00eenceput? Dac\u0103 retragi \u00een permanen\u021b\u0103 100% din profit, iar firma ta este \u00een permanen\u021b\u0103 finan\u021bat\u0103 de c\u0103tre b\u0103nci sau furnizori \u0103sta este un semnal la care \u00een general b\u0103ncile se uit\u0103<\/em>\u201d, atrage aten\u021bia aceasta.<\/p>\n

\u00cen plus, atunci c\u00e2nd analizeaz\u0103 cereri de finan\u021bare, b\u0103ncile solicit\u0103 \u0219i garan\u021bii. Teodora Petre afirm\u0103 c\u0103 aceste garan\u021bii sunt solicitate pentru c\u0103 b\u0103ncile caut\u0103 o a doua cale de a ie\u0219i din tranzac\u021bie, \u00een situa\u021bia \u00een care riscurile se materializeaz\u0103.<\/p>\n

\u201e\u00cen ultimii 10 ani, pe pia\u021b\u0103 func\u021bioneaz\u0103 foarte bine fondurile de garantare. Sunt foarte multe b\u0103nci care apeleaz\u0103 la fonduri de garantare care func\u021bioneaz\u0103 foarte bine \u0219i care cumva scutesc antreprenorii de efortul de a g\u0103si un colateral. Pentru a \u00eencuraja antreprenoriatul, riscul asociat \u0219i a doua cale de ie\u0219ire din tranzac\u021bie este oferit b\u0103ncii de c\u0103tre aceste fonduri de garantare. IMM Invest \u0219i cele 4 programe noi, care au fost lansate recent, asta fac<\/em>\u201d, afirm\u0103 ea.<\/p>\n

La polul opus, antreprenorii care au falimente \u00een istoric, insolven\u021be ale companiilor pe care le-au condus, facilit\u0103\u021bi restructurate \u0219i comportament mai pu\u021bin dorit nu au aproape nicio \u0219ans\u0103 s\u0103 ob\u021bin\u0103 creditare din partea b\u0103ncilor.<\/p>\n

\u201eEste foarte important s\u0103 \u021bii leg\u0103tura cu banca ta atunci c\u00e2nd ai un credit \u0219i, la cele mai mici probleme s\u0103 fii deschis, pentru c\u0103 banca te poate ajuta<\/em>\u201d, sus\u021bine aceasta.<\/p>\n

Teodora Petre consider\u0103 \u0219i c\u0103 nu se pune \u00een general suficient de mult accent pe rela\u021bia pe care o persoan\u0103 o are cu banca cu care lucreaz\u0103.<\/p>\n

\u201eMajoritatea b\u0103ncilor au sisteme de evaluare a rela\u021biei cu clien\u021bii lor. \u00cen primul r\u00e2nd trebuie s\u0103-\u021bi cultivi rela\u021bia chiar de cont curent cu banca la care ai deschis contul. O banc\u0103 se va uita diferit la un client cu care are un istoric de creditare, la un client cu care are un istoric de cont curent \u00een compara\u021bie cu un client pe care \u00eel vede ast\u0103zi pentru prima dat\u0103<\/em>\u201d, precizeaz\u0103 aceasta.<\/p>\n

Sursa: https:\/\/www.profit.ro\/smes-talk\/video-profit-live-uita-bancile-acorda-credite-imm-urilor-teodora-petre-membru-comisia-creditare-arb-caracterul-cel-important-banca-uita-primul-rand-managementul-companiei-20731605<\/a><\/p>\n

\"\"<\/p>","protected":false},"excerpt":{"rendered":"

Teodora Petre, membru \u00een Comisia de Creditare, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video Profit News \u2013 6 iunie 2022<\/p>","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3093458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Teodora Petre, membru \u00een Comisia de Creditare, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video Profit News \u2013 6 iunie 2022\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/\" \/>\n<meta property=\"og:site_name\" content=\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-06T09:10:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-21T19:23:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"300\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"RABVB\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"RABVB\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/\"},\"author\":{\"name\":\"RABVB\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\"},\"headline\":\"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \\\/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei\",\"datePublished\":\"2022-06-06T09:10:01+00:00\",\"dateModified\":\"2023-12-21T19:23:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/\"},\"wordCount\":1376,\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"articleSection\":[\"Apari\u021bii media\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/\",\"name\":\"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \\\/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"datePublished\":\"2022-06-06T09:10:01+00:00\",\"dateModified\":\"2023-12-21T19:23:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/SMEs-Talk-300x250-V2-2.jpg\",\"width\":300,\"height\":250},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.arb.ro\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \\\/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#website\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"description\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.arb.ro\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#organization\",\"name\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"contentUrl\":\"https:\\\/\\\/www.arb.ro\\\/wp-content\\\/uploads\\\/ARB_35_TRANSPARENCY.png\",\"width\":1820,\"height\":1987,\"caption\":\"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\"},\"image\":{\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.arb.ro\\\/#\\\/schema\\\/person\\\/ae6781863ef928b4d6176e16b3c4452f\",\"name\":\"RABVB\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g\",\"caption\":\"RABVB\"},\"url\":\"https:\\\/\\\/www.arb.ro\\\/en\\\/author\\\/vlad\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/","og_locale":"en_US","og_type":"article","og_title":"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","og_description":"Teodora Petre, membru \u00een Comisia de Creditare, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video Profit News \u2013 6 iunie 2022","og_url":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/","og_site_name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","article_published_time":"2022-06-06T09:10:01+00:00","article_modified_time":"2023-12-21T19:23:41+00:00","og_image":[{"width":300,"height":250,"url":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","type":"image\/jpeg"}],"author":"RABVB","twitter_card":"summary_large_image","twitter_misc":{"Written by":"RABVB","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#article","isPartOf":{"@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/"},"author":{"name":"RABVB","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f"},"headline":"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei","datePublished":"2022-06-06T09:10:01+00:00","dateModified":"2023-12-21T19:23:41+00:00","mainEntityOfPage":{"@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/"},"wordCount":1376,"publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"image":{"@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","articleSection":["Apari\u021bii media"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/","url":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/","name":"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","isPartOf":{"@id":"https:\/\/www.arb.ro\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#primaryimage"},"image":{"@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#primaryimage"},"thumbnailUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","datePublished":"2022-06-06T09:10:01+00:00","dateModified":"2023-12-21T19:23:41+00:00","breadcrumb":{"@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#primaryimage","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/SMEs-Talk-300x250-V2-2.jpg","width":300,"height":250},{"@type":"BreadcrumbList","@id":"https:\/\/www.arb.ro\/en\/smes-talk-teodora-petre-arb-la-ce-se-uita-bancile-atunci-cand-acorda-credite-imm-urilor-caracterul-este-cel-mai-important-banca-se-uita-in-primul-rand-la-managementul-companiei\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.arb.ro\/"},{"@type":"ListItem","position":2,"name":"SMEs Talk Teodora Petre, ARB: La ce se uit\u0103 b\u0103ncile atunci c\u00e2nd acord\u0103 credite IMM-urilor \/ Caracterul este cel mai important. Banca se uit\u0103 \u00een primul r\u00e2nd la managementul companiei"}]},{"@type":"WebSite","@id":"https:\/\/www.arb.ro\/#website","url":"https:\/\/www.arb.ro\/","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","description":"Romanian Association of Banks","publisher":{"@id":"https:\/\/www.arb.ro\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.arb.ro\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.arb.ro\/#organization","name":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)","url":"https:\/\/www.arb.ro\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/","url":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","contentUrl":"https:\/\/www.arb.ro\/wp-content\/uploads\/ARB_35_TRANSPARENCY.png","width":1820,"height":1987,"caption":"Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)"},"image":{"@id":"https:\/\/www.arb.ro\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.arb.ro\/#\/schema\/person\/ae6781863ef928b4d6176e16b3c4452f","name":"RABVB","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/01d0e9168124273d841dee9782484af6e2260ba0f94c82d9317aa8c1a030d47a?s=96&d=mm&r=g","caption":"RABVB"},"url":"https:\/\/www.arb.ro\/en\/author\/vlad\/"}]}},"_links":{"self":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3093458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/comments?post=3093458"}],"version-history":[{"count":0,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/posts\/3093458\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media\/3071288"}],"wp:attachment":[{"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/media?parent=3093458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/categories?post=3093458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.arb.ro\/en\/wp-json\/wp\/v2\/tags?post=3093458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}