{"id":3685778,"date":"2025-12-09T10:39:04","date_gmt":"2025-12-09T08:39:04","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3685778"},"modified":"2025-12-09T12:04:06","modified_gmt":"2025-12-09T10:04:06","slug":"euforie-de-aprobare-la-credite-noi-instrumente-de-la-banca-de-dezvoltare-ramona-ivan-arb-unele-proiecte-bune-ajung-sa-esueze-pentru-ca-nu-sunt-analizate-de-la-inceput-exista-inca-acea-eu","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/euforie-de-aprobare-la-credite-noi-instrumente-de-la-banca-de-dezvoltare-ramona-ivan-arb-unele-proiecte-bune-ajung-sa-esueze-pentru-ca-nu-sunt-analizate-de-la-inceput-exista-inca-acea-eu\/","title":{"rendered":"Euforie de aprobare la credite. Noi instrumente de la Banca de Dezvoltare. Ramona Ivan, ARB: Unele proiecte bune ajung s\u0103 e\u0219ueze pentru c\u0103 nu sunt analizate de la \u00eenceput. Exist\u0103 \u00eenc\u0103 acea \u201eeuforie a aprob\u0103rii\u201d – Profit.ro Live TV"},"content":{"rendered":"
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Sistemul bancar a devenit, \u00een ultimii 20 de ani, unul dintre pilonii importan\u021bi ai absorb\u021biei fondurilor europene, fiind implicat at\u00e2t \u00een finan\u021barea proiectelor publice, c\u00e2t \u0219i a celor private. De\u0219i nu toate programele trec prin b\u0103nci, rolul lor este semnificativ, iar modul \u00een care institu\u021biile financiare \u00ee\u0219i adapteaz\u0103 produsele de creditare este decisiv pentru succesul investi\u021biilor din fonduri europene. Ramona Ivan, pre\u0219edinte al Comisiei pentru Fonduri Europene din cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor, explic\u0103 c\u0103 acest ecosistem func\u021bioneaz\u0103 doar dac\u0103 beneficiarii ajung la banc\u0103 \u00een etapa de planificare, nu c\u00e2nd este deja prea t\u00e2rziu.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\u201eSistemul bancar este unul dintre actorii importan\u021bi \u00een procesul de absorb\u021bie a fondurilor europene. Ne dorim \u0219i consider\u0103m c\u0103 direct sau indirect avem o contribu\u021bie important\u0103 la finan\u021barea multor proiecte, at\u00e2t publice, c\u00e2t \u0219i private. \u00cen practic\u0103, recomand\u0103m beneficiarilor s\u0103 vin\u0103 la banc\u0103 \u00eenainte s\u0103 depun\u0103 proiectul, dar de cele mai multe ori ajung la banc\u0103 doar dup\u0103 ce au aprobat proiectul \u0219i atunci descoper\u0103 c\u0103 nu au contribu\u021bia proprie\u201d, a declarat Ramona Ivan, la emisiunea Profit Live, realizat\u0103 pe Prima News TV de Profit.ro, de luni p\u00e2n\u0103 joi, de la ora 11.00. Aceast\u0103 decuplare \u00eentre momentul planific\u0103rii \u0219i cel al implement\u0103rii genereaz\u0103 situa\u021bii \u00een care proiecte bune, cu poten\u021bial, ajung s\u0103 se blocheze. Ramona Ivan subliniaz\u0103 c\u0103 exist\u0103 \u00eenc\u0103 o \u201eeuforie a aprob\u0103rii\u201d, care \u00eei face pe mul\u021bi beneficiari s\u0103 trateze superficial analiza ini\u021bial\u0103, de\u0219i contextul economic se poate schimba, iar rigorile bancare r\u0103m\u00e2n stricte. \u00cen plus, anumite tipuri de proiecte \u2013 precum cele din zona de cercetare sau resurse umane \u2013 sunt greu de finan\u021bat bancar din cauza naturii lor, lucru pe care beneficiarii nu \u00eel iau \u00eentotdeauna \u00een calcul la timp. \u201eAm v\u0103zut proiecte bune care s-ar fi putut finaliza cu succes, dar care au ajuns s\u0103 aib\u0103 probleme \u00een implementare fiindc\u0103 nu au fost suficient de bine analizate de la \u00eenceput. Exist\u0103 \u00eenc\u0103 acea euforie de tipul\u00a0 \u2018mi s-a aprobat proiectul \u00een sf\u00e2r\u0219it\u2019, dar foarte multe etape \u0219i numeroase condi\u021bii r\u0103m\u00e2n de \u00eendeplinit\u201d, a mai spus Ramona Ivan.<\/p>

Ea explic\u0103 faptul c\u0103, \u00een ultimii ani, suprapunerea programelor guvernamentale \u2013 \u00een special \u00een perioada pandemiei \u0219i ulterior, \u00een contextul r\u0103zboiului din Ucraina \u2013 a creat un mediu foarte complex. M\u0103surile lansate simultan au dus la confuzii, iar idealul unei coordon\u0103ri unitare \u00eentre autorit\u0103\u021bi \u0219i b\u0103nci a r\u0103mas greu de atins. \u00cen paralel, instrumentele financiare elaborate \u00eempreun\u0103 cu Fondul European de Investi\u021bii sau cu Banca de Dezvoltare a Rom\u00e2niei au crescut considerabil, pun\u00e2nd presiune pe b\u0103nci s\u0103 creeze echipe specializate de monitorizare \u0219i implementare. \u201e\u00cen ultimii 8-9 ani, instrumentele financiare au crescut considerabil. Dac\u0103 p\u00e2n\u0103 la un punct vorbeam doar de garantare sau partajare de risc, acum avem \u0219i instrumente noi lansate de Banca de Dezvoltare, unde b\u0103ncile comerciale au deja contractele semnate. De la \u00eenceputul anului viitor vom vedea efectiv aceste produse pe pia\u021b\u0103, at\u00e2t pentru beneficiarii publici, c\u00e2t \u0219i pentru cei priva\u021bi\u201d, a precizat Ramona Ivan. Ea detaliaz\u0103 c\u0103 portofoliul b\u0103ncilor include credite-punte p\u00e2n\u0103 la primirea grantului, credite de cofinan\u021bare, finan\u021b\u0103ri pentru cheltuieli neeligibile, garan\u021bii de bun\u0103 execu\u021bie, scrisori de confort \u0219i conturi speciale de proiect. B\u0103ncile monitorizeaz\u0103 constant implementarea, pentru a preveni derapaje, a evita costuri nejustificate \u0219i a se asigura c\u0103 proiectele respect\u0103 parametrii financiari, tehnici \u0219i de sustenabilitate.<\/p>

C\u00e2nd finan\u021b\u0103rile nu implic\u0103 fonduri nerambursabile, alternativa pentru companii sunt programele guvernamentale \u0219i instrumentele financiare cu component\u0103 de garantare. Startup Nation, de exemplu, revine cu o nou\u0103 edi\u021bie, de aceast\u0103 dat\u0103 cu cursuri obligatorii pentru aplican\u021bi, lucru considerat benefic pentru asumarea proiectelor. Exist\u0103, de asemenea, produse pentru IMM-uri \u00een zona verde sau de digitalizare, finan\u021bate din fostul program rom\u00e2no-elve\u021bian \u0219i instrumente de garantare gratuite prin Fondul European de Investi\u021bii, care permit companiilor s\u0103 ob\u021bin\u0103 credite cu condi\u021bii mai avantajoase. \u201eExist\u0103 credite de investi\u021bii \u0219i de capital de lucru cu garan\u021bii gratuite \u00eentr-o propor\u021bie mare, \u00een condi\u021bii mult mai avantajoase dec\u00e2t un credit din surse proprii. Sunt deja multe b\u0103nci selectate, iar interesul companiilor este ridicat\u201d, a explicat ea. Pe zona public\u0103, situa\u021bia este \u0219i mai complex\u0103. Multe proiecte PNRR nu pot fi finalizate p\u00e2n\u0103 la termenul-limit\u0103 de august 2026, iar autorit\u0103\u021bile locale sunt obligate s\u0103 g\u0103seasc\u0103 finan\u021b\u0103ri alternative. Noile produse dezvoltate \u00eempreun\u0103 cu Banca de Investi\u021bii \u0219i Dezvoltare (BID) \u0219i Banca European\u0103 de Investi\u021bii (BEI) aduc at\u00e2t credite, c\u00e2t \u0219i componente nerambursabile pentru jude\u021bele mai pu\u021bin dezvoltate. Beneficiarii trebuie \u00eens\u0103 s\u0103 respecte criteriile DNSH \u2013 \u201eDo No Significant Harm\u201d \u2013, care nu existau \u00een mod tradi\u021bional \u00een creditarea clasic\u0103. \u201eDac\u0103 a\u0219 fi \u00eentr-o municipalitate \u0219i proiectul meu nu mai poate continua cu bani europeni, m-a\u0219 uita imediat la b\u0103ncile care au semnat cu Banca de Investi\u021bii \u0219i Dezvoltare \u0219i a\u0219 vedea ce trebuie f\u0103cut. Proiectele trebuie s\u0103 demonstreze c\u0103 nu prejudiciaz\u0103 mediul \u00eenconjur\u0103tor, iar b\u0103ncile au acum echipe care \u0219tiu ce documenta\u021bie este necesar\u0103. Practic, exist\u0103 un om din banc\u0103 care st\u0103 al\u0103turi de beneficiar \u0219i \u00eel sprijin\u0103 \u00een preg\u0103tirea documentelor\u201d, afirm\u0103 Ramona Ivan.<\/p>

Ea spune c\u0103 municipalit\u0103\u021bile au deja multe proiecte scrise \u0219i ar trebui s\u0103 se mi\u0219te rapid pentru a salva investi\u021biile cu impact mare, chiar \u00een lipsa finan\u021b\u0103rii de la buget, care este limitat\u0103 \u00een 2024 \u0219i abia par\u021bial disponibil\u0103 pentru 2026\u20132027. Presiunea este uria\u0219\u0103 pentru proiectele critice \u2013 poduri, infrastructur\u0103, utilit\u0103\u021bi. \u201eUn primar spunea recent: \u2018Nu mai primesc finan\u021bare de la buget, primesc o parte abia \u00een 2026\u20132027. Sper s\u0103 nu cad\u0103 podul p\u00e2n\u0103 atunci\u2019. Nu trebuie s\u0103 l\u0103s\u0103m s\u0103 cad\u0103 podurile. Sunt proiecte cu impact major, iar sistemul bancar \u0219i autorit\u0103\u021bile trebuie s\u0103 colaboreze str\u00e2ns ca s\u0103 le salveze\u201d, a subliniat Ramona Ivan. IMM-urile se confrunt\u0103 cu o alt\u0103 serie de provoc\u0103ri \u2013 volatilitatea economic\u0103, costurile crescute, presiunea digitaliz\u0103rii \u0219i adaptarea la noile modele de business. Garan\u021biile de stat au fost esen\u021biale \u00een pandemie, dar nu pot r\u0103m\u00e2ne baza sistemului. Companiile sunt nevoite s\u0103 se orienteze spre solu\u021bii mai sofisticate, care nu sunt doar finan\u021b\u0103ri nerambursabile. \u201eNu neap\u0103rat IMM-urile trebuie s\u0103 se bazeze pe garan\u021bii de stat. Pandemia ne-a \u00eenghe\u021bat pe to\u021bi, dar acum trebuie s\u0103 mergem mai departe. Companiile trebuie s\u0103 \u00een\u021beleag\u0103 c\u0103 lumea \u0219i economia se schimb\u0103, c\u0103 digitalizarea \u0219i inteligen\u021ba artificial\u0103 transform\u0103 businessul. Uneori, o dob\u00e2nd\u0103 mai mic\u0103 sau o garan\u021bie gratuit\u0103 \u00eentr-o anumit\u0103 propor\u021bie poate fi mai util\u0103 dec\u00e2t un grant\u201d, afirm\u0103 ea.<\/p>

Ramona Ivan subliniaz\u0103 \u0219i c\u0103 problemele majore ale \u00eentregului sistem \u2013 de la municipalit\u0103\u021bi la companii private \u0219i b\u0103nci \u2013 provin din lipsa resurselor umane specializate. \u00cen toate aceste structuri, oamenii care cunosc mecanismele fondurilor europene sunt pu\u021bini, greu de format \u0219i u\u0219or de pierdut c\u0103tre alte domenii mai bine pl\u0103tite sau cu mai pu\u021bine presiuni. \u201ePrincipalul obstacol este c\u0103 nu putem cre\u0219te peste noapte oamenii specializa\u021bi. Nu po\u021bi face experimente, nu po\u021bi \u00eenv\u0103\u021ba din gre\u0219eli, pentru c\u0103 gre\u0219elile cost\u0103 foarte mult. Este nevoie de educa\u021bie, training, timp \u0219i o capacitate institu\u021bional\u0103 solid\u0103. Aceste lucruri ne-au lipsit uneori \u0219i din aceast\u0103 cauz\u0103 nu am fost mereu la nivelul la care am fi putut fi\u201d, a conchis ea.<\/p>

Sursa: aici<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Sistemul bancar a devenit, \u00een ultimii 20 de ani, unul dintre pilonii importan\u021bi ai absorb\u021biei fondurilor europene, fiind implicat at\u00e2t \u00een finan\u021barea proiectelor publice, c\u00e2t \u0219i a celor private. De\u0219i nu toate programele trec prin b\u0103nci, rolul lor este semnificativ, iar modul \u00een care institu\u021biile financiare \u00ee\u0219i adapteaz\u0103 produsele de creditare este decisiv pentru succesul […]<\/p>\n","protected":false},"author":5,"featured_media":3685786,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3685778","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nEuforie de aprobare la credite. Noi instrumente de la Banca de Dezvoltare. Ramona Ivan, ARB: Unele proiecte bune ajung s\u0103 e\u0219ueze pentru c\u0103 nu sunt analizate de la \u00eenceput. Exist\u0103 \u00eenc\u0103 acea \u201eeuforie a aprob\u0103rii\u201d - Profit.ro Live TV - 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\/euforie-de-aprobare-la-credite-noi-instrumente-de-la-banca-de-dezvoltare-ramona-ivan-arb-unele-proiecte-bune-ajung-sa-esueze-pentru-ca-nu-sunt-analizate-de-la-inceput-exista-inca-acea-eu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Euforie de aprobare la credite. Noi instrumente de la Banca de Dezvoltare. Ramona Ivan, ARB: Unele proiecte bune ajung s\u0103 e\u0219ueze pentru c\u0103 nu sunt analizate de la \u00eenceput. Exist\u0103 \u00eenc\u0103 acea \u201eeuforie a aprob\u0103rii\u201d - Profit.ro Live TV - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Sistemul bancar a devenit, \u00een ultimii 20 de ani, unul dintre pilonii importan\u021bi ai absorb\u021biei fondurilor europene, fiind implicat at\u00e2t \u00een finan\u021barea proiectelor publice, c\u00e2t \u0219i a celor private. 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