{"id":1002,"date":"2021-11-30T22:34:22","date_gmt":"2021-11-30T19:34:22","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=1002"},"modified":"2021-12-03T13:44:15","modified_gmt":"2021-12-03T10:44:15","slug":"de-ce-doar-15-din-companiile-din-tara-sunt-bancabile","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/de-ce-doar-15-din-companiile-din-tara-sunt-bancabile\/","title":{"rendered":"De ce doar 15% din companiile din \u021bar\u0103 sunt bancabile?"},"content":{"rendered":"
\"\"
Sursa foto: pexels.com<\/a><\/figcaption><\/figure>\n

Majoritatea companiilor din Rom\u00e2nia nu sunt bancabile, adic\u0103 nu sunt eligibile pentru a accesa finan\u021b\u0103ri de la b\u0103nci. Acest aspect este important deoarece subliniaz\u0103 o problem\u0103 a afacerilor din \u021bara noastr\u0103: capitalizarea afacerilor este una dificil\u0103.<\/p>\n

Aceast\u0103 situa\u021bie este determinat\u0103 at\u00e2t de politicile b\u0103ncilor din Rom\u00e2nia, c\u00e2t \u0219i de modul de administrare a afacerilor.<\/p>\n

Vlad N\u0103stase, CEO Concilium Consulting, transmite c\u0103 b\u0103ncile nu vor credita companiile care \u00eenregistreaz\u0103 pierderi, nu sunt sustenabile \u0219i nu au o viziune de business. De asemenea, acesta mai spune c\u0103 antreprenorii rom\u00e2ni nu au experien\u021ba necesar\u0103 pentru a capitaliza afacerea, un proces care necesit\u0103 timp.<\/p>\n

Astfel, observ\u0103m c\u0103 doar 15% din companiile din \u021bar\u0103 sunt bancabile.<\/p>\n

Dar ce \u00eenseamn\u0103 mai exact acest lucru? Un articol de Iancu Guda<\/a> arat\u0103 c\u0103 doar 67% din cele 633.212 companii care \u0219i-au depus declara\u021biile financiare \u00eenregistreaz\u0103 venituri (au cifra de afaceri mai mare dec\u00e2t zero).<\/p>\n

Mai mult dec\u00e2t at\u00e2t, 55% dintre acestea \u00eenregistreaz\u0103 un grad de \u00eendatorare.<\/p>\n

\u00cen total, doar 100.000 de companii au premisele necesare pentru a accesa finan\u021bare bancar\u0103.<\/p>\n

Cum afecteaz\u0103 bancabilitatea companiilor mediul antreprenorial din Rom\u00e2nia?<\/h2>\n

Start-up-urile \u0219i companiile mici nu sunt principalele beneficiare ale finan\u021b\u0103rilor bancare \u00een \u021bara noastr\u0103, ceea ce \u00eenseamn\u0103 c\u0103 sursele de finan\u021bare ale acestora sunt mai limitate (comparativ cu cele ale companiilor de dimensiuni medii sau mari).<\/p>\n

\u00cen general, b\u0103ncile prefer\u0103 s\u0103 crediteze companiile ale c\u0103ror idei de business au fost probate, \u00eens\u0103 acest lucru necesit\u0103 timp.<\/p>\n

Iar \u00een ecosistemul antreprenorial actual, \u00een care start-up-urile au devenit un juc\u0103tor important \u00een pia\u021ba de business din Rom\u00e2nia, este necesar ca \u0219i ceilal\u021bi juc\u0103tori (precum b\u0103ncile) s\u0103 se adapteze.<\/p>\n

Cum \u00ee\u021bi po\u021bi finan\u021ba start-up-ul \u00een Rom\u00e2nia?<\/h2>\n

De cele mai multe ori, start-up-urile din \u021bar\u0103 apeleaz\u0103 la structuri de tip venture capital sau private equity pentru a ob\u021bine finan\u021barea necesar\u0103 scal\u0103rii business-ului.<\/p>\n

\u00cen acest moment, aceste tipuri de finan\u021b\u0103ri sunt cele mai accesibile pentru companiile la \u00eenceput de drum. Ulterior, dac\u0103 acestea \u00eenregistreaz\u0103 cre\u0219tere, pot ob\u021bine \u0219i finan\u021b\u0103ri bancare.<\/p>\n

Vlad N\u0103stase, CEO Concilium Consulting, consider\u0103 c\u0103 antreprenorii la \u00eenceput de drum pot avea \u0219anse s\u0103 ob\u021bin\u0103 finan\u021b\u0103ri bancare chiar \u0219i din al doilea an de existen\u021b\u0103, \u00eens\u0103 doar dac\u0103 ace\u0219tia dovedesc cre\u0219terea sustenabil\u0103 companiei lor.<\/p>\n

Dac\u0103 te g\u00e2nde\u0219ti s\u0103-\u021bi deschizi o afacere sau ai deja un start-up, po\u021bi apela la fondurile de investi\u021bii specializate \u00een IT<\/a> care activeaz\u0103 \u00een Rom\u00e2nia, dar po\u021bi apela \u0219i la finan\u021bare cu bani europeni prin programe precum Future Makers<\/a> sau programe destinate afacerilor din agricultur\u0103<\/a>.
\nDescoper\u0103 10 idei de afaceri cu fonduri europene \u00een 2021!<\/p>\n","protected":false},"excerpt":{"rendered":"

Majoritatea companiilor din Rom\u00e2nia nu sunt eligibile pentru a accesa finan\u021bare bancar\u0103. Acest aspect se reflect\u0103 asupra surselor de finan\u021bare disponibile pentru start-up-urile din \u021bara noastr\u0103. Afl\u0103 din articol cum \u00ee\u021bi poate afecta afacerea!<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1002","post","type-post","status-publish","format-standard","hentry","category-stiri-financiare"],"yoast_head":"\nDe ce doar 15% din companiile din \u021bar\u0103 sunt bancabile? - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Doar 15% din companiile din Rom\u00e2nia sunt bancabile, iar acest lucru reflect\u0103 un aspect important al mediului antreprenorial local. 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