{"id":140518,"date":"2020-09-07T09:03:25","date_gmt":"2020-09-07T07:03:25","guid":{"rendered":"https:\/\/zjarr.tv\/?p=140518"},"modified":"2020-09-07T09:03:25","modified_gmt":"2020-09-07T07:03:25","slug":"pas-pandemise-shqiptaret-iu-turren-bankave-sa-milione-euro-u-terhoqen-prej-tyre-sa-para-mbahen-ende-neper-shtepia","status":"publish","type":"post","link":"https:\/\/zjarr.tv\/en\/pas-pandemise-shqiptaret-iu-turren-bankave-sa-milione-euro-u-terhoqen-prej-tyre-sa-para-mbahen-ende-neper-shtepia\/","title":{"rendered":"Pas pandemis\u00eb shqiptar\u00ebt iu turr\u00ebn bankave:\/ Sa milion\u00eb euro u t\u00ebrhoq\u00ebn prej tyre?\/ Sa para mbahen ende n\u00ebp\u00ebr sht\u00ebpia"},"content":{"rendered":"
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Kriza e epidemis\u00eb s\u00eb Covid-19 ka nxitur nj\u00eb rritje t\u00eb qarkullimit t\u00eb paras\u00eb jasht\u00eb bankave. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se sasia e paras\u00eb jasht\u00eb sistemit bankar arriti vler\u00ebn rekord t\u00eb 324.6 miliard\u00eb lek\u00ebve, ose 2.6 miliard\u00eb euro.<\/p>\n

Krahasuar me nj\u00eb vit m\u00eb par\u00eb, paraja jasht\u00eb bankave \u00ebsht\u00eb rritur me 14.5%. Pjesa m\u00eb e madhe e rritjes ka ardhur pas muajit mars, kur Shqip\u00ebria u prek nga epidemia e Covid-19. P\u00ebr periudh\u00ebn mars-korrik, paraja jasht\u00eb bankave \u00ebsht\u00eb rritur me 35.5 miliard\u00eb lek\u00eb (290 mln euro) ose 12.2%.<\/p>\n

N\u00eb muajt e fundit, kjo situat\u00eb mund t\u00eb jet\u00eb nxitur nga pasiguria e krijuar prej kriz\u00ebs s\u00eb Covid-19, q\u00eb i ka shtyr\u00eb individ\u00ebt t\u00eb mbajn\u00eb m\u00eb shum\u00eb para jasht\u00eb sistemit. N\u00eb muajt e ver\u00ebs, shtimi i paras\u00eb q\u00eb qarkullon jasht\u00eb bankave \u00ebsht\u00eb gjithashtu nj\u00eb tendenc\u00eb sezonale, e lidhur me t\u00ebrheqjen e parave p\u00ebr shpenzimet e pushimeve. K\u00ebt\u00eb vit, shumica e shqiptar\u00ebve i kan\u00eb kaluar pushimet n\u00eb Shqip\u00ebri p\u00ebr shkak t\u00eb kufizimeve t\u00eb l\u00ebvizjes, \u00e7ka mund t\u00eb ket\u00eb sjell\u00eb t\u00ebrheqje m\u00eb t\u00eb m\u00ebdha t\u00eb paras\u00eb n\u00eb monedh\u00eb vendase nga sistemi bankar.<\/p>\n

Nj\u00eb faktor tjet\u00ebr mund t\u00eb ket\u00eb qen\u00eb edhe shtyrja e k\u00ebsteve t\u00eb kredis\u00eb, q\u00eb ka rritur likuiditetin e lir\u00eb p\u00ebr bizneset e familjes. Pjes\u00ebrisht, kjo mund t\u00eb ket\u00eb ndikuar n\u00eb flukse n\u00eb r\u00ebnie hyr\u00ebse t\u00eb paras\u00eb brenda sistemit bankar.<\/p>\n

N\u00eb muajin mars, Banka e Shqip\u00ebris\u00eb ndryshoi form\u00ebn e ankandeve t\u00eb marr\u00ebveshjeve t\u00eb riblerjes, p\u00ebr t\u00eb garantuar furnizim t\u00eb pakufizuar me likuiditet p\u00ebr bankat tregtare. Injektimi i likuiditetit nga Banka e Shqip\u00ebris\u00eb ka sjell\u00eb rritje t\u00eb ndjeshme t\u00eb ofert\u00ebs monetare. Agregati monetar M2, q\u00eb p\u00ebrfaq\u00ebson ofert\u00ebn e paras\u00eb n\u00eb lek\u00eb ka prekur gjithashtu vler\u00ebn m\u00eb t\u00eb lart\u00eb historike, n\u00eb vler\u00ebn e 815 miliard\u00eb lek\u00ebve, n\u00eb rritje vjetore me 9.4%.<\/p>\n

Por, n\u00eb p\u00ebrpjestimet e duhura, ky faktor nuk shpjegon i vet\u00ebm rritjen e fort\u00eb t\u00eb paras\u00eb jasht\u00eb sistemit bankar. Raporti i paras\u00eb jasht\u00eb bankave me agregatin monetar M2 n\u00eb fund t\u00eb korrikut arriti n\u00eb 39.8%. Kjo shif\u00ebr p\u00ebrfaq\u00ebson nivelin m\u00eb t\u00eb lart\u00eb q\u00eb nga dhjetori i vitit 2002, kur nis edhe seria e t\u00eb dh\u00ebnave statistikore q\u00eb disponon Banka e Shqip\u00ebris\u00eb.<\/p>\n

Rritja e paras\u00eb jasht\u00eb bankave pran\u00eb niveleve t\u00eb nj\u00eb periudhe kur ekonomia kishte nj\u00eb shkall\u00eb shum\u00eb m\u00eb t\u00eb ul\u00ebt formalizimi \u00ebsht\u00eb tregues tejet dometh\u00ebn\u00ebs dhe q\u00eb nuk gjen shpjegim vet\u00ebm me epidemin\u00eb apo sezonin veror. Po t\u00eb shohim ecurin\u00eb e k\u00ebtij treguesi n\u00eb koh\u00eb, raporti i paras\u00eb jasht\u00eb bankave kundrejt agregatit monetar M2 \u00ebsht\u00eb n\u00eb rritje graduale prej shtat\u00eb vitesh. Nga af\u00ebrsisht 28% q\u00eb ka qen\u00eb n\u00eb vitin 2013, ky tregues \u00ebsht\u00eb afruar n\u00eb kufijt\u00eb e 40%.<\/p>\n

Nj\u00eb faktor logjik mund t\u00eb jen\u00eb normat e ul\u00ebta t\u00eb interesit. Interesat e ul\u00ebta kan\u00eb b\u00ebr\u00eb q\u00eb rritja e depozitave bankare t\u00eb jet\u00eb m\u00eb e ul\u00ebt n\u00eb raport me rritjen e ofert\u00ebs monetare. Ekspert\u00eb nga tregu financiar shprehen se normat e ul\u00ebta t\u00eb interesit mund t\u00eb ken\u00eb nxitur huadh\u00ebnien informale, n\u00eb k\u00ebrkim t\u00eb interesave m\u00eb t\u00eb larta.<\/p>\n

Por, as interesat e ul\u00ebta nuk mund t\u00eb justifikojn\u00eb plot\u00ebsisht rritjen e fort\u00eb t\u00eb paras\u00eb jasht\u00eb bankave, p\u00ebr nj\u00eb ekonomi q\u00eb presupozohet q\u00eb duhet t\u00eb ul\u00eb gradualisht nivelin e informalitetit.<\/p>\n

Rritja e raportit t\u00eb paras\u00eb jasht\u00eb bankave d\u00ebshmon se jasht\u00eb kanaleve formale po qarkullojn\u00eb m\u00eb shum\u00eb para, duke krijuar hap\u00ebsira p\u00ebr nj\u00eb mbizot\u00ebrim t\u00eb m\u00ebtejsh\u00ebm t\u00eb ekonomis\u00eb cash, e cila favorizon evazionin fiskal dhe pastrimin e parave nga aktivitetet e jasht\u00ebligjshme. Pandemia e Covid-19 dhe faktor\u00ebt e lidhur me t\u00eb po theksojn\u00eb m\u00eb shum\u00eb rezultatet e dob\u00ebta n\u00eb drejtim t\u00eb formalizimit t\u00eb ekonomis\u00eb.<\/p>\n

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Kriza e epidemis\u00eb s\u00eb Covid-19 ka nxitur nj\u00eb rritje t\u00eb qarkullimit t\u00eb paras\u00eb jasht\u00eb bankave. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se sasia e paras\u00eb jasht\u00eb sistemit bankar arriti vler\u00ebn rekord t\u00eb 324.6 miliard\u00eb lek\u00ebve, ose 2.6 miliard\u00eb euro. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, paraja jasht\u00eb bankave \u00ebsht\u00eb rritur me 14.5%. Pjesa m\u00eb […]<\/p>\n","protected":false},"author":2020,"featured_media":140519,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241],"tags":[],"class_list":{"0":"post-140518","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/140518","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/users\/2020"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=140518"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/140518\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/140519"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=140518"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=140518"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=140518"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}