AECM, Asociación Europea de Instituciones de Garantía

Noticias de nuestros miembros

October 2017

Our Spanish member CESGAR has launched a new unified portal for all the mutual guarantee institutions in Spain, find out more about “Con Aval Sí”.

Visit the website

30 giugno 2016

The European Investment Fund and Bpifrance have signed on February 1st a guarantee agreement – the first in France supported under the new Cultural and Creative Sectors Guarantee Facility from the EU’s Creative Europe programme

13 marzo 2017

The European Union’s support allows Bpifrance to create a new financing product (Prêt Industries Créatives) which will target a portfolio of EUR 30 million of loans to companies over the next two years. More than 200 SMEs in the cultural and creative sectors (including film, theatre, video game production, music and performance, and editorial sectors) are expected to access this new programme which will be available in June this year. Read more

9 marzo 2017

Innovative entrepreneurs have received loans in the amount of PLN 457 m thanks to guarantees granted by Bank Gospodarstwa Krajowego (Poland). In the last year innovative entrepreneurs could receive free guarantees offered by BGK. More than PLN 250 m from the Guarantee Fund has enabled companies to raise financing from commercial banks in the amount of  PLN 457 m. PLN 250 m funding came from the  (untapped) funds from Innovative Economy Operational Programme. Read more

31 agosto 2017

 The European Investment Fund (EIF) and our Member Bank Gospodarstwa Krajowego (BGK) are doubling the size of their loans to Polish SMEs from PLN 1 billion to PLN 2 billion (ca. €500 million). The loans are expected to reach close to 10 600 small businesses and entrepreneurs across Poland. The agreement comes under the COSME programme, the European Commission’s programme for small and medium-sized enterprises (SMEs) and it is made possible by the support of the Investment Plan for Europe, or so-called “Juncker Plan”. Read more

Eventos selecionados

5-6 June 2018 

Fourth annual EU conference on EAFRD financial instruments for agriculture and rural development in 2014-2020 in Sofia
More info

25- 26 October 2018

XXIII Foro Iberoamericano in Porto (Portugal) organized by SPGM and REGAR



La AECM cuenta con 42 organizaciones miembros activos en 26 Estados miembros de la UE, en Bosnia y Herzegovina, Serbia, Rusia y en Turquía.

Sus miembros son sociedades de garantía recíproca, otras sociedades privadas de garantía e instituciones públicas, tales como fondos de garantía y bancos de desarrollo con una división de garantía.

Tienen el objetivo común de otorgar garantías al crédito en beneficio de PYME que, aun disfrutando de una situación económica saneada, no cuentan con los avales necesarios para que los bancos les concedan financiación.

En 2013, las organizaciones miembros de la AECM disponían de un volumen total de garantías en cartera de más que 76.000 millones de euros y concedieron nuevas garantías por un total de más que 25.000 millones de euros.

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  • Registration is open for this year’s edition of the AECM Annual Event, comprising the meeting of the General Assembly, the Annual Seminar and a meeting of the GNGI. Find out all about it and secure your place at the special event page. REGISTER NOW

  • AECM will hold its next Operational Training Session in Sofia, Bulgaria, on 3 and 4 May 2018: the theme of discussion will be the pricing of guarantees. Save the date and stay tuned for the program and the registration. The AECM OTS is open to members only. Photo courtesy of Wikipedia  – by Arnoldo Zocchi

  • Our OTS dedicated to “Individual vs Portfolio Guarantee” took place last week on 5 and 6 October 2017 in Athens, Greece, wonderfully hosted by our Greek member ETEAN. It was great occasion to discuss an issue that was crucial for many of our members, with a record participation of 50 people, including 10 speakers from […]