Bridging Academia and Practice: Carifermo’s Credit Insights at Polytechnic University of Marche
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Ancona, Italy – A recent seminar at the Polytechnic University of Marche highlighted the crucial intersection of academic theory and real-world banking practices in the realm of credit concessions.
Fostering Dialog on Credit for SMEs
Students enrolled in Prof. Caterina Lucarelli’s Economy of Credit Companies
course at the Faculty of Economics had the possibility to engage directly with industry experts from Carifermo, a regional banking institution.The seminar focused on the intricacies of credit concessions, notably as they relate to micro, small, and medium-sized enterprises (SMEs).
Luca Medori, Head of the Credit Area at Carifermo, and Danilo Complie, a credit specialist, led the discussion, providing valuable insights into the regulatory landscape, procedural requirements, and operational considerations involved in extending credit to businesses. Their participation underscored Carifermo’s commitment to fostering financial literacy and supporting the next generation of economic professionals.
A Synergistic Approach to Learning
Professor Lucarelli emphasized the seminar’s seamless integration with the course curriculum. The seminar in collaboration with Carifermo has been synergistically inserted in the context of the issues covered during the economy course with connections between regulations, procedures and operation to be followed in the concession of funding in a perspective logic of micro and small-medium companies,
she stated, highlighting the practical relevance of the discussions.
Bank’s Perspective: Investing in Future Talent
Ermanno Traini, General Manager of Carifermo, echoed this sentiment, noting the bank’s enthusiasm for engaging with students and faculty. We have positively accepted the university invitation,making available the skills of our professionals,for this meeting that represents an important opportunity for discussion with the teachers and students for the bank,
Traini explained,emphasizing the mutual benefits of such collaborations.
The Vital Role of SME Credit in Italy’s Economy
SMEs are the backbone of the Italian economy, representing a significant portion of businesses and employment. access to credit concessions is crucial for their growth and sustainability. According to recent data from ISTAT (Italian National Institute of Statistics), SMEs account for over 90% of Italian businesses and contribute significantly to the nation’s GDP. However, securing financing remains a persistent challenge for many of these enterprises.
Looking Ahead: Continued Collaboration
The success of this seminar suggests a promising model for future collaborations between academic institutions and financial institutions. By bridging the gap between theory and practice,such partnerships can equip students with the knowledge and skills necessary to navigate the complexities of the modern financial landscape and contribute to the growth of the Italian economy,particularly through supporting credit concessions to SMEs.