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•! Consulenza per
l'impresa
•!
•!
•!
•!
•! C o n c e s s i o n e
finanziamenti diretti
(B.I.Circ. 216/96)
•! Cross selling
parabancario (c/c,
polizze, plastic card)
•!
•!
•!
•!
maggiore rischiosità diretta
maggior PV
monitoraggio andamentale
concorrenza
•!
•!
•!
•!
concorrenza
business partnership
formazione
selezione
Type here Legal Entity – Classification Level
Note:
3
vicinanza territoriale del Confidi
contatto frequente ed "aperto"
valorizza la garanzia implicita
progetto "In-formati"
= livello di interesse bancario all'utilizzo dello strumento
'()-./.0&!"#$%&(1%2#*.3.*#4&+(+*%).5.$%,&&
•! G a r a n z i a a p r i m a
r i c h i e s t a , c o n
controgaranzia FCG
•! % garanzia rilasciata da Confidi >
% ottenibile con garanzia diretta
•! p r o c e s s o d i g e s t i o n e
controgaranzie efficace
•! non unica forma
di garanzia
rilasciata
•! Co-garanzia a prima
richiesta con fondi
regionali per operazioni
non controgarantibili
•! ca. il 50% delle imprese non
rientra nei parametri del FCG.
•! co-garanzia con fondi regionali
segregati anche se operatività
non Bis2 compliant
•! Garanzie di portafoglio
con compartecipazione
pubblica nella tranche
junior
•! metodologia tranched cover
Bis2
•! condivisione rischio junior/
mezzanine tra piu' garanti
•! possibile cartolarizzazione
•! occorre un salto culturale
Type here Legal Entity – Classification Level
Note:
4
= livello di interesse bancario all'utilizzo dello strumento
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#"-"'P(-$'5(*Z'$%'5(-:(>4"%3)'4T"-+)3)**)'$"'"-:)*9+(3"'"*9+8@"(-%4"'*8'+%4"'*+38#)-9'L%$'(>>"'
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13
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14
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L5(36(3%+)'4(%-*&'4(%-*'+('S[Y*&'3)*"$)-9%4'#(3+>%>)*N'6)3'5"35%'E/'#"4"%3$"''
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15

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