AECM, Asociación Europea de Instituciones de Garantía

Noticias de nuestros miembro

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.

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

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

The European Investment Fund (EIF) and the National Guarantee Fund EAD (NGF) have signed an agreement that will release an additional EUR 40 million for Bulgarian small and medium-sized enterprises (SMEs) under the European Commission’s COSME programme. This transaction benefits from the support of the European Fund for Strategic Investments (EFSI), the heart of the Investment Plan for Europe. Read more

More than a year after the European Fund for Strategic Investments (EFSI) was set up, Bpifrance applauds the initial results of the Investment Plan for Europe (IPE), as regards the SME window in particular. Read more

The European Investment Fund (EIF), Artigiancredito Toscano (ACT) and five guaranteeing institutions (‘confidis’), have signed an umbrella agreement in Italy under the European Commission’s COSME programme. This transaction benefits from the support of the European Fund for Strategic Investments (EFSI), the heart of the Investment Plan for Europe.  Read more



Nuestros eventos selecionados

The 13th INSME Annual Meeting on “Improving Productivity in SMEs and Their Role in Global Value Chains” will take place from the 15th to the 17th of May 2017 in Puerto Vallarta, Mexico and co-organized with INADEM – the National Institute of the Entrepreneur of Mexico.

More info

May 19 2017

Joint conference of the European Commission and European Central Bank on European Financial Integration

Once a year, the European Commission and the European Central Bank organise a joint conference on financial integration in Europe. The 2017 conference will be held in Brussels on 19 May and will focus on the latest developments of the financial sector, as well as Banking Union and the Capital Markets Union as catalysts for further financial integration in Europe.

More info

2/3 November 2017

Global SME Finance Forum in Berlin

The two-day event comprising of senior executives from commercial banks, development finance institutions, fintech companies, as well as regulators will focus on balancing SME growth and security.

More info

22-24 November 2017

SME Assembly Estonia

The 2017 SME Assembly will take place in Tallinn, as the flagship event of the European SME Week

More info



La AECM cuenta con 41 organizaciones miembros activos en 21 Estados miembros de la UE, en Bosnia y Herzegovina, Kirghizistan, 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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Nuestros miembros

Todos los miembros


  • Join us in Madrid for AECM’s 25th anniversary!

    Our annual event is getting nearer and registration is now open!  This year will be a special one, as we are celebrating AECM’s 25th anniversary in the country where the association was founded in 1992. We will have a special public session of the General Assembly on June 1 with our former chairmen and on […]

  • The Financing of the European Fund for Strategic Investments (EFSI)

    On 08 February 2017 the European Parliament organised a workshop on “The Financing of the European Fund for Strategic Investments (EFSI)”. Among the five invited experts were i.a. Bernhard Sagmeister, Chairman of AECM, and José Fernando Figueiredo, who is Special Honorary Chairman of AECM and who spoke in his capacity as Executive President of the […]

  • Improving the EU financial instruments: AECM and UEAPME present their proposals for the EU mid-term review

    Brussels, 26 January 2017 – Today, on the occasion of the upcoming mid-term review of COSME and InnovFin, UEAPME, the European Association of Craft and SMEs, and AECM, the umbrella organisation of guarantee institutions in Europe, publish a joint position paper detailing their requests for improving the guarantee instrument. At the joint press breakfast on […]