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Scelte finanziarie e rapporti con le banche: i corsi gratuiti online di EDIConfcommercio e Banca d’Italia

Banca d’Italia e EDIConfcommercio hanno realizzato un corso di formazione online di educazione finanziaria, dedicato agli imprenditori, dal titolo “Scelte finanziarie e rapporti con le banche”. 

Il corso, gratuito, facilmente comprensibile, sintetico e modulare è strutturato su 4 percorsi, ognuno sviluppato in 5/6 video lezioni della durata di 10 minuti circa, con un breve questionario al termine di ogni lezione. 

L’imprenditore può scegliere liberamente se seguire uno o più dei quattro percorsi formativi disponibili.  

Per seguire il corso gratuitamente è sufficiente collegarsi al sito https://training.ediconfcommercio.it ed entrare nel percorso “Scelte finanziarie e Rapporti con le banche”. 

Grazie anche all’aiuto di una persona dedicata all’interno dell’Associazione Commercianti Albesi, le imprese saranno supportate gratuitamente nel percorso formativo.  

Il corso si sviluppa su 4 macro argomenti: 

  • Il rapporto con la banca 
  • La gestione delle difficoltà finanziarie 
  • Centrale rischi, pagamenti e strumenti di tutela 
  • La finanza della piccola impresa 

Percorso azzurro: il rapporto con la banca 

Il percorso offre una panoramica sugli aspetti più rilevanti che un imprenditore dovrebbe considerare nella relazione con la banca, al fine di ottenere finanziamenti coerenti con le sue esigenze finanziarie. 

Vengono illustrate le principali norme che regolano l’attività bancaria, i criteri utilizzati dalle banche per valutare il “merito di credito” dei clienti, i principali contratti bancari utili per le aziende e le opportunità del ricorso alle garanzie prestate da confidi e dal Fondo centrale di garanzia. 

In particolare, verranno affrontati i seguenti aspetti: 

  • Cenni sulla regolamentazione bancaria; 
  • Il processo di erogazione del credito; 
  • La valutazione del merito creditizio; 
  • Monitoraggio e classificazione dei prestiti; 
  • I principali contratti bancari a servizio dell’impresa;  
  • Le garanzie a supporto del credito bancario. 

Percorso verde: la gestione delle difficoltà finanziarie 

Il percorso spiega come gestire il rapporto con la banca e con altri creditori, nelle fasi di difficoltà finanziaria. Alcuni dei temi trattati: 

  • I segnali di difficoltà finanziaria 
  • Le conseguenze di un peggioramento delle condizioni finanziarie  
  • Rinegoziazioni e ristrutturazioni 
  • Il nuovo codice della crisi d’impresa 

Percorso viola: centrale rischi, pagamenti e strumenti di tutela 

In questo percorso, attivo dal 15 aprile, si descrive il funzionamento della Centrale dei rischi e come un imprenditore può utilizzarla a proprio vantaggio. Vengono inoltre presentati:  

  • I principali metodi di pagamento, meccanismi di sicurezza e le frodi online  
  • I diritti nei confronti delle banche e gli strumenti per farli valere in caso di controversie 

Percorso arancione: la finanza della piccola impresa 

Questo percorso, attivo dal mese di maggio, è dedicato alle conoscenze di base e agli strumenti principali per la gestione finanziaria dell’impresa. Ad esempio: 

  • Gli equilibri aziendali 
  • Gli indici di bilancio usati dalle banche 
  • La pianificazione della liquidità 
  • La valutazione degli investimenti  
  • Il business plan 

 

Per maggiori informazioni:

ASSOCIAZIONE COMMERCIANTI ALBESI
UFFICIO CREDITO
Piazza San Paolo, 3 – 12051 Alba (CN)
credito@acaweb.it

Davide Paganotti 0173/226671
dpaganotti@confirete.it 

Giorgio Belvedere 0173/226549
giorgio.belvedere@acaweb.it

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