Sistemi bankar funksionon duke mbledhur para nga kursimtar\u00ebt, kundrejt nj\u00eb p\u00ebrqindje t\u00eb caktuar interesi. Nj\u00eblloj si me tregtin\u00eb, k\u00ebto para, banka duhet t\u2019i investoj\u00eb me interesa m\u00eb t\u00eb larta dhe diferenca i mund\u00ebson bank\u00ebs t\u00eb mbuloj\u00eb shpenzimet e veta dhe t\u00eb nxjerr\u00eb nj\u00eb fitim t\u00eb caktuar. Parat\u00eb e depozituesve, n\u00eb euro ose valut\u00eb, bankat, nj\u00eb pjes\u00eb e mbajn\u00eb si rezerv\u00eb t\u00eb detyrueshme, nj\u00eb pjes\u00eb e investojn\u00eb kryesisht p\u00ebr t\u00eb dh\u00ebn\u00eb kredi. Duke qen\u00eb se bankat kan\u00eb qen\u00eb t\u00eb kujdesshme me kredidh\u00ebnien, huadh\u00ebnia p\u00ebr ekonomin\u00eb ka qen\u00eb e vak\u00ebt vitet e fundit.<\/p>\n
Tepric\u00ebn n\u00eb lek\u00eb, bankat e investojn\u00eb duke bler\u00eb letra me vler\u00eb t\u00eb qeveris\u00eb shqiptare. Nd\u00ebrsa tepric\u00ebn n\u00eb valut\u00eb bankat e vendosin n\u00eb institucione financiare jasht\u00eb dhe p\u00ebr k\u00ebt\u00eb arsye u duhet ta transferojn\u00eb, ndon\u00ebse s\u00eb fundi bankat kan\u00eb preferuar ta mbajn\u00eb valut\u00ebn edhe pran\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb .<\/p>\n
Ky transferim kryhet fizikisht dhe kjo \u00ebsht\u00eb nj\u00eb marr\u00ebdh\u00ebnie q\u00eb bankat e zgjidhin me shoq\u00ebrit\u00eb private t\u00eb siguris\u00eb fizike.<\/p>\n
Transporti b\u00ebhet me Cargo Ajrore, q\u00eb \u00ebsht\u00eb sh\u00ebrbim q\u00eb e ofrojn\u00eb kompanit\u00eb ajrore e quhet \u201cHigh Value Cargo Service\u201d. Ky \u00ebsht\u00eb nj\u00eb sh\u00ebrbim i shtrenjt\u00eb, si rrjedhoj\u00eb transaksioni i k\u00ebmbimit b\u00ebhet me vlera t\u00eb m\u00ebdha q\u00eb t\u00eb jet\u00eb i leverdish\u00ebm dhe p\u00ebr k\u00ebt\u00eb arsye, disa banka b\u00ebhen bashk\u00eb p\u00ebr t\u00eb rritur vler\u00ebn.<\/p>\n
Sipas t\u00eb dh\u00ebnave zyrtare t\u00eb Bank\u00ebs, n\u00eb z\u00ebrin \u201cMarr\u00ebdh\u00ebnie me bankat, institucionet e kreditit dhe institucionet e tjera financiare\u201d, q\u00eb jan\u00eb vendosjet jasht\u00eb, bankat kishin 237 miliard\u00eb lek\u00eb, ose gati 1.8 miliard\u00eb euro n\u00eb fund t\u00eb 2018-s.<\/p>\n
Ndryshe nga vitet e kaluar, bankat nuk kan\u00eb preferuar t\u2019i vendosin parat\u00eb jasht\u00eb, pas kufizimeve t\u00eb vendosura nga Banka e Shqip\u00ebris\u00eb. Z\u00ebri \u201cMarr\u00ebdh\u00ebnie me bankat, institucionet e kreditit dhe institucionet e tjera financiare\u201d sh\u00ebnoi p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb r\u00ebnie vjetore me 5%, pas rritjes s\u00eb vazhdueshme q\u00eb kishte shuar dekad\u00ebn e fundit.<\/p>\n
Bankat tregtare kan\u00eb rritur mbajtjen e likuiditeteve te Banka e Shqip\u00ebris\u00eb sidomos n\u00eb valut\u00eb, edhe pse interesi i ofruar \u00ebsht\u00eb negativ. Ekspert\u00ebt e bankave shpjeguan se shkak p\u00ebr k\u00ebt\u00eb rritje \u00ebsht\u00eb b\u00ebr\u00eb efekti i masave makroprudenciale q\u00eb rrjedhin nga nj\u00eb rregullore e Bank\u00ebs Qendrore q\u00eb penalizonte bankat p\u00ebr mbajtjen e fondeve t\u00eb tep\u00ebrta jasht\u00eb vendit, pasi konsiderohen si 100% me risk.<\/p>\n
Shqip\u00ebria \u00ebsht\u00eb nj\u00eb vend me nivel t\u00eb lart\u00eb euroizimi, ku 53% e depozitave n\u00eb fund t\u00eb 2018-s ishin n\u00eb valut\u00eb.<\/p>\n
<\/p>","protected":false},"excerpt":{"rendered":"
Sistemi bankar funksionon duke mbledhur para nga kursimtar\u00ebt, kundrejt nj\u00eb p\u00ebrqindje t\u00eb caktuar interesi. Nj\u00eblloj si me tregtin\u00eb, k\u00ebto para, banka duhet t\u2019i investoj\u00eb me interesa m\u00eb t\u00eb larta dhe diferenca i mund\u00ebson bank\u00ebs t\u00eb mbuloj\u00eb shpenzimet e veta dhe t\u00eb nxjerr\u00eb nj\u00eb fitim t\u00eb caktuar. Parat\u00eb e depozituesve, n\u00eb euro ose valut\u00eb, bankat, nj\u00eb […]<\/p>\n","protected":false},"author":2013,"featured_media":55614,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,235],"tags":[],"class_list":{"0":"post-78216","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/78216","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\/2013"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=78216"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/78216\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/55614"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=78216"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=78216"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=78216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}