{"id":1920,"date":"2019-04-26T10:41:36","date_gmt":"2019-04-26T08:41:36","guid":{"rendered":"http:\/\/alpha-credo.com\/?page_id=1920"},"modified":"2021-07-15T11:46:28","modified_gmt":"2021-07-15T09:46:28","slug":"contractul-de-asigurare-a-creditului","status":"publish","type":"page","link":"https:\/\/alpha-credo.com\/ro\/contractul-de-asigurare-a-creditului\/","title":{"rendered":"Contractul de asigurare a creditului"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-background-color:#0082c8;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-padding-top:20px;--awb-padding-bottom:8px;--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"color: #ffffff; font-size: 36px;\">Contractul de asigurare a creditului<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-top:50px;--awb-margin-bottom:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-2\"><h3>Obiectul de asigurare a creditului<\/h3>\n<ul>\n<li>Crean\u021bele cu termen de plat\u0103 de p\u00e2n\u0103 la 180 de zile (\u00een mod excep\u021bional p\u00e2n\u0103 la 360 de zile)<\/li>\n<\/ul>\n<h3>Riscurile asigurate<\/h3>\n<ul>\n<li>Neplata datoriilor de c\u0103tre clien\u021bi din cauza unor proceduri de insolven\u021b\u0103<\/li>\n<li>Neplata datoriilor de c\u0103tre clien\u021bi din cauza pl\u0103\u021bilor am\u00e2nate<\/li>\n<\/ul>\n<h3>Limitele de credit<\/h3>\n<p>Un element important al rela\u021biei de asigurare a creditului \u00eentre societatea de asigurare \u0219i compania asigurat\u0103 este stabilirea limitelor de credit. Societatea de asigurare a creditului verific\u0103 creditul clien\u021bilor (mai mari) ai companiei \u0219i stabile\u0219te limitele de credit. Limita de credit este expunerea maxim\u0103 pe care societatea de asigurare a creditului o acoper\u0103. Aceasta este determinat\u0103 de valoarea \u0219i dinamica livr\u0103rii de bunuri\/prest\u0103rii de servicii, termenii de plat\u0103, perioada anticipat\u0103 (tolerabil\u0103) de \u00eent\u00e2rziere a pl\u0103\u021bilor \u0219i valuta livr\u0103rilor.<\/p>\n<p><strong>EXEMPLU: <\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: left;\"><span style=\"font-size: 24px;\"><strong><span style=\"color: #0082c8;\">EXEMPLU: <\/span><\/strong><span style=\"color: #0082c8;\">V\u00e2nz\u0103ri anticipate de 100.000 EUR pe lun\u0103 cu o dinamic\u0103 constant\u0103 pe tot parcursul anului.<\/span><\/span><\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"669\" height=\"300\" title=\"alphacredo3\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3.jpg\" alt class=\"img-responsive wp-image-1924\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-200x90.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-400x179.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3-600x269.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo3.jpg 669w\" sizes=\"(max-width: 800px) 100vw, 669px\" \/><\/span><\/div><\/div><div class=\"fusion-text fusion-text-4\"><p>\u010ce svojemu kupcu vsak mesec fakturirate za 100.000 EUR blaga oziroma storitev in imate z njim dogovorjen trimese\u010dni pla\u010dilni rok, potrebujete zanj kreditni limit vsaj 300.000 EUR, da bo z zavarovanjem pokrita celotna va\u0161a prodaja temu kupcu.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-5\"><p>\u00cen cazul \u00een care societatea de asigurare a creditului nu poate extinde acoperirea asigur\u0103rii de credit pentru unii cump\u0103r\u0103tori din cauza ratingului insuficient de creditare, noi \u00eei ajut\u0103m pe clien\u021bi s\u0103 formuleze o strategie de cooperare fa\u021b\u0103 de ace\u0219ti cump\u0103r\u0103tori, folosind toate mijloacele juridice disponibile (tehnici alternative de gestionare a riscului de credit).<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-6\"><h3>Suspendarea livr\u0103rilor \u0219i recuperarea crean\u021belor<\/h3>\n<p>Suspendarea livr\u0103rilor \u0219i recuperarea crean\u021belor sunt dou\u0103 caracteristici importante ale unui contract de asigurare a creditului, care ajut\u0103 la consolidarea proceselor \u0219i procedurilor. Suspendarea livr\u0103rilor trebuie activat\u0103 la 30 de zile dup\u0103 termenul de plat\u0103. \u00cen caz contrar, expunerea societ\u0103\u021bii asigurate fa\u021b\u0103 de client cre\u0219te (cel mai probabil dep\u0103\u0219e\u0219te limita de credit stabilit\u0103), iar societatea de asigurare a creditului va refuza acoperirea. Excep\u021biile de la aceast\u0103 regul\u0103 general\u0103 sunt posibile prin acordul activ \u00eentre compania asigurat\u0103 \u0219i debitorul acesteia, cu acordul societ\u0103\u021bii de asigurare.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none zmanjsan-graf\"><img decoding=\"async\" width=\"1024\" height=\"372\" title=\"Graf_pop_SI\" src=\"http:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-1024x372.jpg\" alt class=\"img-responsive wp-image-2352\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-200x73.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-400x145.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-600x218.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI-800x291.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/Graf_pop_SI.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1024px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none zmanjsan-graf2\"><img decoding=\"async\" width=\"1024\" height=\"414\" title=\"graf_ustavitev_dobav_bang\" src=\"http:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-1024x414.jpg\" alt class=\"img-responsive wp-image-1927\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-200x81.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-400x162.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-600x243.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang-800x324.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/graf_ustavitev_dobav_bang.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1024px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-7\"><p>\u00cen toate cazurile \u00een care clien\u021bii nu pl\u0103tesc la scaden\u021b\u0103, personalul companiei se va ocupa de recuperarea crean\u021bei (prin soma\u021bii de plat\u0103 scrise sau verbale, \u00eent\u00e2lniri personale, acorduri de \u00eent\u00e2lnire), ceea ce poate fi efectuat \u0219i cu sprijinul societ\u0103\u021bii de asigurare a creditului (comunicare \u00eentre societatea de asigurare a creditului \u0219i client \u0219.a.m.d.). Dac\u0103 procedurile interne sunt insuficiente \u0219i nu duc la achitarea datoriilor din partea clientului \u00een perioada stabilit\u0103 dup\u0103 data de scaden\u021b\u0103 a facturii, compania asigurat\u0103 trebuie s\u0103 recurg\u0103 la serviciile unor agen\u021bii sau avoca\u021bi specializa\u021bi \u00een recuperarea profesional\u0103 a datoriilor. \u00cen cazul \u00een care clientul nu pl\u0103te\u0219te, costurile de recuperare extern\u0103 a crean\u021belor vor fi acoperite de societatea de asigurare a creditului.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-margin-bottom:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-8\"><h3>Desp\u0103gubiri<\/h3>\n<p>Societatea de asigurare a creditelor va pl\u0103ti desp\u0103gubirile imediat dup\u0103 anun\u021barea unei proceduri de insolven\u021b\u0103 sau \u00een cazul unor pl\u0103\u021bi am\u00e2nate, dup\u0103 o anumit\u0103 perioad\u0103 de timp \u00een urma datei de scaden\u021b\u0103 a facturii \u0219i implic\u0103rii unei agen\u021bii externe de recuperare a crean\u021belor.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-9\"><p style=\"text-align: left;\"><span style=\"font-size: 24px;\"><strong><span style=\"color: #0082c8;\">EXEMPLU:\u00a0<\/span><\/strong><span style=\"color: #0082c8;\">Plata am\u00e2nat\u0103 <\/span><\/span><\/p>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\"><img decoding=\"async\" width=\"1100\" height=\"298\" title=\"alphacredo1\" src=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1.jpg\" alt class=\"img-responsive wp-image-1922\" srcset=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-200x54.jpg 200w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-400x108.jpg 400w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-600x163.jpg 600w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1-800x217.jpg 800w, https:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/alphacredo1.jpg 1100w\" sizes=\"(max-width: 800px) 100vw, 1100px\" \/><\/span><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-first\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type gumb-cta2\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#007ac2;--button_gradient_bottom_color:#007ac2;--button_gradient_top_color_hover:#000000;--button_gradient_bottom_color_hover:#000000;\" target=\"_self\" href=\"http:\/\/alpha-credo.com\/ro\/avantaje-si-beneficii-asigurarea-creditelor\/\"><span class=\"fusion-button-text\">&lt; AVANTAJE \u0218I BENEFICII<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_2 1_2 fusion-one-half\" style=\"--awb-bg-size:cover;width:50%;width:calc(50% - ( ( 4% + 4% ) * 0.5 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion_builder_column_1_4 1_4 fusion-one-fourth fusion-column-last\" style=\"--awb-bg-size:cover;width:25%;width:calc(25% - ( ( 4% + 4% ) * 0.25 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-parallax-none nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:110px;--awb-padding-bottom:90px;--awb-margin-top:50px;--awb-margin-bottom:-1px;--awb-background-image:url(&quot;http:\/\/alpha-credo.com\/wp-content\/uploads\/2017\/05\/spoznajtenas-bcg.jpg&quot;);--awb-background-size:cover;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-first\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-one-third\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:33.333333333333%;width:calc(33.333333333333% - ( ( 4% + 4% ) * 0.33333333333333 ) );\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-10\"><h1 style=\"text-align: center;\"><span style=\"color: #ffffff;\">Afla\u021bi mai mult despre noi<\/span><\/h1>\n<\/div><div class=\"fusion-aligncenter\"><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type gumb-cta2\" style=\"--button_accent_color:#ffffff;--button_accent_hover_color:#ffffff;--button_border_hover_color:#ffffff;--button_gradient_top_color:#007ac2;--button_gradient_bottom_color:#007ac2;--button_gradient_top_color_hover:#000000;--button_gradient_bottom_color_hover:#000000;\" target=\"_self\" href=\"http:\/\/alpha-credo.com\/ro\/echipa-noastra\/\"><span class=\"fusion-button-text\">ECHIPA NOASTR\u0102<\/span><\/a><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - 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