Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, ishte sot i pranishwm n\u00eb konferenc\u00ebn e tret\u00eb t\u00eb Shoqat\u00ebs Shqiptare t\u00eb Bankave me tem\u00eb: \u201cBankat p\u00ebr zhvillim t\u00eb q\u00ebndruesh\u00ebm\u201d, t\u00eb organizuar me rastin e 20-vjetorit t\u00eb krijimit t\u00eb ShShB-s\u00eb n\u00eb Shqip\u00ebri.<\/p>\n
N\u00eb kuad\u00ebr t\u00eb nd\u00ebrgjegj\u00ebsimit t\u00eb shoq\u00ebris\u00eb dhe industris\u00eb bankare p\u00ebr nj\u00eb zhvillim t\u00eb q\u00ebndruesh\u00ebm, n\u00eb k\u00ebt\u00eb konferenc\u00eb merrnin pjes\u00eb politik\u00ebb\u00ebr\u00ebs dhe p\u00ebrfaq\u00ebsues nga institucione financiare komb\u00ebtare dhe nd\u00ebrkomb\u00ebtare, sistemit bankar dhe shoqatave t\u00eb bankave t\u00eb rajonit .<\/p>\n
Fjala e plote e guvernatorit t\u00eb BSH-s\u00eb:<\/strong><\/p>\n M\u00eb lejoni n\u00eb radh\u00eb t\u00eb par\u00eb t\u00eb uroj Shoqat\u00ebn Shqiptare t\u00eb Bankave n\u00eb 20-vjetorin e krijimit t\u00eb saj. Kjo shoqat\u00eb, e cila erdhi n\u00eb jet\u00eb n\u00eb nj\u00eb moment emancipimi t\u00eb sektorit bankar, tashm\u00eb \u00ebsht\u00eb shnd\u00ebrruar n\u00eb nj\u00eb platform\u00eb t\u00eb mir\u00ebfillt\u00eb komunikimi e koordinimi brenda industris\u00eb dhe n\u00eb nj\u00eb aktor t\u00eb r\u00ebnd\u00ebsish\u00ebm n\u00eb jet\u00ebn ekonomike e financiare t\u00eb vendit.<\/p>\n Po ashtu, d\u00ebshiroj t\u00eb p\u00ebrg\u00ebzoj organizator\u00ebt p\u00ebr mund\u00ebsimin e k\u00ebsaj konference, e cila ndihmon sektorin bankar dhe rregullator\u00ebt e politik\u00ebb\u00ebr\u00ebsit t\u00eb identifikojn\u00eb sfidat q\u00eb kemi p\u00ebrpara dhe t\u00eb eksplorojn\u00eb alternativat m\u00eb t\u00eb mira p\u00ebr trajtimin e tyre.<\/p>\n T\u00eb nderuar pjes\u00ebmarr\u00ebs, Duke n\u00ebnvizuar progresin e b\u00ebr\u00eb, gjej me vend t\u00eb theksoj se zhvillimi i sektorit bankar \u2013 dhe i sistemit financiar n\u00eb p\u00ebrgjith\u00ebsi \u2013 nuk ka qen\u00eb linear: sfidat me t\u00eb cilat ai \u00ebsht\u00eb p\u00ebrballur kan\u00eb qen\u00eb t\u00eb vazhdueshme dhe t\u00eb formave t\u00eb ndryshme. K\u00ebto sfida kan\u00eb k\u00ebrkuar kujdes dhe vendimmarrje aktive, inteligjente e kurajoze. Jam i bindur se eksperienca e p\u00ebrbashk\u00ebt mund dhe do t\u00eb na ndihmoj\u00eb n\u00eb vendimmarrjen ton\u00eb n\u00eb t\u00eb ardhmen.<\/p>\n P\u00ebr k\u00ebt\u00eb arsye, e konsideroj k\u00ebt\u00eb konferenc\u00eb si nj\u00eb mund\u00ebsi t\u00eb shk\u00eblqyer p\u00ebr t\u00eb reflektuar mbi disa nga sfidat me t\u00eb cilat do t\u00eb p\u00ebrballemi n\u00eb periudh\u00ebn n\u00eb vijim.<\/p>\n S\u00eb pari, m\u00eb lejoni t\u00eb b\u00ebj nj\u00eb ekspoze t\u00eb shkurt\u00ebr t\u00eb situat\u00ebs ekonomike e financiare, si dhe t\u00eb perspektivave t\u00eb zhvillimit t\u00eb vendit.<\/p>\n Sikund\u00ebr e kemi th\u00ebn\u00eb n\u00eb vazhdim\u00ebsi, Banka e Shqip\u00ebris\u00eb gjykon se ekonomia shqiptare \u00ebsht\u00eb n\u00eb nj\u00eb udh\u00eb t\u00eb q\u00ebndrueshme p\u00ebrmir\u00ebsimi t\u00eb pozicionit t\u00eb saj ciklik. Zgjerimi i k\u00ebrkes\u00ebs agregate ka sjell\u00eb p\u00ebrshpejtimin e rritjes ekonomike, rritjen e pun\u00ebsimit e t\u00eb pagave, shfryt\u00ebzimin m\u00eb t\u00eb mir\u00eb t\u00eb kapaciteteve prodhuese, dhe p\u00ebrmir\u00ebsimin e gjendjes financiare t\u00eb bizneseve e familjeve.<\/p>\n Paralelisht me t\u00eb, bilancet e sektorit bankar jan\u00eb t\u00eb sh\u00ebndosha dhe n\u00eb p\u00ebrmir\u00ebsim. Parametrat kryesor\u00eb t\u00eb likuiditetit dhe kapitalizimit jan\u00eb p\u00ebrtej k\u00ebrkesave tona rregullatore, treguesi i kredive me probleme \u00ebsht\u00eb n\u00eb nj\u00eb trend t\u00eb qart\u00eb r\u00ebn\u00ebs dhe sektori bankar shfaqet rentab\u00ebl. Gjithashtu, konsolidimi n\u00eb proces i sektorit bankar ka sjell\u00eb n\u00eb treg aktor\u00eb t\u00eb rinj \u2013 t\u00eb cil\u00ebt p\u00ebrfitoj nga rasti t\u2019i p\u00ebrsh\u00ebndes \u2013 dhe ka krijuar premisa p\u00ebr rritje t\u00eb konkurrenc\u00ebs e t\u00eb eficienc\u00ebs n\u00eb sistem. S\u00eb fundi, provat tona t\u00eb rezistenc\u00ebs tregojn\u00eb se ky sektor \u00ebsht\u00eb i aft\u00eb, n\u00eb t\u00ebr\u00ebsi, p\u00ebr t\u2019i b\u00ebr\u00eb ball\u00eb goditjeve.<\/p>\n Ky progres \u00ebsht\u00eb ankoruar n\u00eb politika t\u00eb kujdesshme ekonomike: stimul monetar, konsolidim fiskal dhe politika prudente mbik\u00ebqyr\u00ebse e rregullatore. N\u00eb ve\u00e7anti, m\u00eb lejoni t\u00eb theksoj se Banka e Shqip\u00ebris\u00eb ka punuar me seriozitet: T\u00eb nderuar pjes\u00ebmarr\u00ebs, N\u00eb k\u00ebt\u00eb drejtim, m\u00eb lejoni t\u00eb identifikoj kat\u00ebr sfida par\u00ebsore t\u00eb sektorit:<\/p>\n S\u00eb pari, sektori bankar duhet t\u00eb p\u00ebrmbush\u00eb m\u00eb mir\u00eb rolin e tij t\u00eb nd\u00ebrmjet\u00ebsuesit t\u00eb fondeve n\u00eb ekonomi. P\u00ebrmir\u00ebsimi i treguesve t\u00eb sh\u00ebndetit, reduktimi i rrezikut t\u00eb kredis\u00eb dhe konsolidimi i sektorit bankar, duhet t\u2019i hapin rrug\u00eb nj\u00eb p\u00ebrqasjeje m\u00eb aktive t\u00eb bankave n\u00eb kredidh\u00ebnie. Potenciali financiar i vendit duhet t\u00eb pasqyrohet m\u00eb mir\u00eb n\u00eb kreditimin e bizneseve dhe familjeve shqiptare.<\/p>\n S\u00eb dyti, sektori bankar duhet t\u00eb jet\u00eb m\u00eb i v\u00ebmendsh\u00ebm n\u00eb alokimin eficient t\u00eb fondeve, drejt sektor\u00ebve produktiv\u00eb dhe me potencial t\u00eb lart\u00eb afatgjat\u00eb. Sistemi bankar, n\u00eb p\u00ebrgjith\u00ebsi, \u00ebsht\u00eb maturuar mjaftuesh\u00ebm p\u00ebr t\u00eb dalluar midis kreditor\u00ebve t\u00eb mir\u00eb dhe atyre t\u00eb k\u00ebqij, duke minimizuar problemet e rrezikut moral dhe t\u00eb asimetris\u00eb s\u00eb informacionit. Megjithat\u00eb, financimi i vazhduesh\u00ebm dhe rialokimi i kapitalit jan\u00eb baza e zhvillimit dhe e ristrukturimit t\u00eb ekonomis\u00eb. N\u00eb k\u00ebt\u00eb drejtim, \u00ebsht\u00eb e nevojshme q\u00eb bankat t\u00eb identifikojn\u00eb drejt sektor\u00ebt rentab\u00ebl, t\u00eb cil\u00ebt mund t\u00eb garantojn\u00eb vler\u00eb t\u00eb shtuar n\u00eb ekonomi dhe pun\u00ebsim, dhe t\u2019i mb\u00ebshtesin ato me fonde.<\/p>\n S\u00eb treti, paralelisht me p\u00ebrmir\u00ebsimin e alokimit t\u00eb fondeve, m\u00eb shum\u00eb pun\u00eb duhet b\u00ebr\u00eb p\u00ebr rritjen e p\u00ebrfshirjes financiare t\u00eb popullsis\u00eb. P\u00ebrmir\u00ebsimi i aksesit n\u00eb financ\u00eb, i kombinuar me iniciativa konkrete p\u00ebr thellimin e edukimit financiar t\u00eb popullat\u00ebs, me t\u00eb cilin q\u00ebndron n\u00eb nj\u00eb marr\u00ebdh\u00ebnie t\u00ebr\u00ebsisht simbiotike, u mund\u00ebson bizneseve dhe individ\u00ebve t\u00eb kapitalizojn\u00eb potencialin e tyre t\u00eb rritjes, duke gjeneruar fitime p\u00ebr vete dhe p\u00ebrfitime p\u00ebr ekonomin\u00eb.<\/p>\n S\u00eb fundi, modernizimi dhe inovacioni duhet t\u00eb jen\u00eb nj\u00eb prioritet i r\u00ebnd\u00ebsish\u00ebm afatgjat\u00eb i sektorit bankar. Evoluimi i vazhduesh\u00ebm do t\u00eb siguronte nj\u00eb sektor konkurrues, eficient dhe n\u00eb pararoj\u00eb t\u00eb zhvillimit teknologjik n\u00eb vend. Duke faktorizuar ndikimin e qen\u00ebsish\u00ebm q\u00eb sektori bankar ka pasur mbi avancimin dhe p\u00ebrhapjen e novacionit n\u00eb sektor\u00eb t\u00eb tjer\u00eb, ky investim nuk do t\u00eb ishte i nevojsh\u00ebm dhe fitimprur\u00ebs vet\u00ebm p\u00ebr industrin\u00eb financiare, por edhe p\u00ebr shoq\u00ebrin\u00eb shqiptare n\u00eb t\u00ebr\u00ebsi.<\/p>\n Me v\u00ebshtrim nga e ardhmja, mbetem i bindur se sektori bankar do t\u00eb dij\u00eb t\u00eb ngrihet n\u00eb lart\u00ebsin\u00eb e k\u00ebtyre sfidave dhe se konkluzionet e konferenc\u00ebs s\u00eb sotme do t\u00eb sh\u00ebrbejn\u00eb si nj\u00eb hap m\u00eb tej n\u00eb k\u00ebt\u00eb drejtim.<\/p>","protected":false},"excerpt":{"rendered":" Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, ishte sot i pranishwm n\u00eb konferenc\u00ebn e tret\u00eb t\u00eb Shoqat\u00ebs Shqiptare t\u00eb Bankave me tem\u00eb: \u201cBankat p\u00ebr zhvillim t\u00eb q\u00ebndruesh\u00ebm\u201d, t\u00eb organizuar me rastin e 20-vjetorit t\u00eb krijimit t\u00eb ShShB-s\u00eb n\u00eb Shqip\u00ebri. N\u00eb kuad\u00ebr t\u00eb nd\u00ebrgjegj\u00ebsimit t\u00eb shoq\u00ebris\u00eb dhe industris\u00eb bankare p\u00ebr nj\u00eb zhvillim t\u00eb q\u00ebndruesh\u00ebm, n\u00eb k\u00ebt\u00eb […]<\/p>\n","protected":false},"author":2013,"featured_media":83962,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,235],"tags":[],"class_list":{"0":"post-83961","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\/83961","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=83961"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/83961\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/83962"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=83961"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=83961"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=83961"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nSistemi bankar n\u00eb Shqip\u00ebri ka b\u00ebr\u00eb progres t\u00eb konsideruesh\u00ebm gjat\u00eb dy dekadave t\u00eb fundit. Do t\u00eb doja, p\u00ebr ilustrim, t\u00eb sillja n\u00eb v\u00ebmendjen tuaj disa shifra e fakte. N\u00eb harkun e dy dekadave, portofoli i kredis\u00eb bankare \u00ebsht\u00eb zgjeruar ndjesh\u00ebm, duke kaluar nga 5% n\u00eb 35% t\u00eb PBB-s\u00eb s\u00eb vendit. Po ashtu, v\u00ebllimi i depozitave \u2013 apo, me fjal\u00eb t\u00eb tjera, v\u00ebllimi i kursimeve t\u00eb publikut shqiptar q\u00eb administrohen nga sektori bankar \u2013 \u00ebsht\u00eb rritur nga rreth 45% n\u00eb 70% t\u00eb PBB-s\u00eb. N\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb, numri i individ\u00ebve, depozitat e t\u00eb cil\u00ebve jan\u00eb mbuluar nga skema e sigurimit, \u00ebsht\u00eb gjasht\u00ebfishuar, duke arritur n\u00eb 2.4 milion\u00eb. Paralelisht me treguesit sasior\u00eb, sektori bankar shqiptar ka sh\u00ebnuar zhvillim, sofistikim dhe progres t\u00eb ndjesh\u00ebm n\u00eb gam\u00ebn e produkteve bankare dhe t\u00eb instrumenteve t\u00eb pages\u00ebs q\u00eb ofron. S\u00eb fundi, por po aq e r\u00ebnd\u00ebsishme sa treguesit e zhvillimit, ky sektor \u00ebsht\u00eb shfaqur rezistent ndaj goditjeve dhe \u2013 n\u00eb ndryshim nga mjaft eksperienca t\u00eb tjera t\u00eb vendeve t\u00eb rajonit \u2013 nuk ka pasur nevoj\u00eb p\u00ebr p\u00ebrdorim t\u00eb fondeve publike.<\/p>\n
\np\u00ebr p\u00ebrafrimin e rregulloreve tona me standardet e Bashkimit Evropian dhe k\u00ebrkesat e Komitetit t\u00eb Bazelit;-
\np\u00ebr p\u00ebrmir\u00ebsimin e arkitektur\u00ebs s\u00eb mbik\u00ebqyrjes s\u00eb sistemit financiar dhe p\u00ebr forcimin e rrjeteve t\u00eb siguris\u00eb;-
\np\u00ebr p\u00ebrmir\u00ebsimin e ambientit t\u00eb kreditit, n\u00ebp\u00ebrmjet leht\u00ebsimit t\u00eb zgjidhjes s\u00eb \u00e7\u00ebshtjeve q\u00eb lidhen me kredit\u00eb me probleme; si dhe,-
\np\u00ebr zhvillimin dhe zgjerimin e m\u00ebtejsh\u00ebm t\u00eb tregut financiar dhe sistemit t\u00eb pagesave.-<\/p>\n
\nSistemi bankar ka nj\u00eb rol ky\u00e7 n\u00eb ruajtjen e kursimeve t\u00eb familjeve shqiptare, n\u00eb nd\u00ebrmjet\u00ebsimin dhe alokimin e fondeve, si dhe n\u00eb zgjerimin e instrumenteve t\u00eb financimit, t\u00eb administrimit t\u00eb rrezikut dhe t\u00eb pagesave. Shkalla e p\u00ebrmbushjes s\u00eb k\u00ebtyre funksioneve do t\u00eb ket\u00eb nj\u00eb lidhje t\u00eb nd\u00ebrsjell\u00eb me ritmin e zhvillimit t\u00eb vendit n\u00eb horizontin afatgjat\u00eb.<\/p>\n