{"id":32614,"date":"2017-03-21T10:58:23","date_gmt":"2017-03-21T08:58:23","guid":{"rendered":"http:\/\/zjarr.tv\/?p=32614"},"modified":"2017-03-21T10:58:23","modified_gmt":"2017-03-21T08:58:23","slug":"bankieret-ne-shqiperi-paralajmerojne-kujdes-ja-cfare-po-ndodhe-me-kredite","status":"publish","type":"post","link":"https:\/\/zjarr.tv\/sq\/bankieret-ne-shqiperi-paralajmerojne-kujdes-ja-cfare-po-ndodhe-me-kredite\/","title":{"rendered":"Bankier\u00ebt n\u00eb Shqip\u00ebri paralajm\u00ebrojn\u00eb: Kujdes, ja \u00e7far\u00eb po ndodh\u00eb me kredit\u00eb"},"content":{"rendered":"

Teksa stoku i huas\u00eb p\u00ebr bizneset jasht\u00eb Shqip\u00ebris\u00eb (jo rezident\u00ebt) arriti n\u00eb 98.2 miliard\u00eb lek\u00eb n\u00eb janar t\u00eb vitit 2017 (rreth 720 mln euro), duke u dyfishuar n\u00eb vet\u00ebm dy vjet, bankier\u00ebt kan\u00eb dh\u00ebn\u00eb alarmin p\u00ebr k\u00ebt\u00eb dukuri.<\/h2>\n
\n

Bankier\u00ebt, e kontaktuar nga Monitor, pohojn\u00eb se kjo hua po jepet kryesisht n\u00eb Kosov\u00eb nga nj\u00eb apo dy banka. Ata shtojn\u00eb se kjo nuk \u00ebsht\u00eb gj\u00eb e mir\u00eb p\u00ebr vendin, pasi parat\u00eb po shkojn\u00eb jasht\u00eb Shqip\u00ebris\u00eb dhe nuk po investohen k\u00ebtu. Edhe ajo rritje prej 2-3% e huas\u00eb n\u00eb total q\u00eb u konstatua n\u00eb 2016-n, ka ardhur kryesisht nga kreditimi p\u00ebr kompanit\u00eb jasht\u00eb vendit. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se shtesa vjetore e stokut t\u00eb kredis\u00eb p\u00ebr bizneset jasht\u00eb vendit\u00a0 n\u00eb janar 2017 ishte 27.5 miliard\u00eb lek\u00eb, nd\u00ebrsa ajo p\u00ebr bizneset vendase (korporatat jo financiare) ra me 3.6 miliard\u00eb lek\u00eb p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb.<\/p>\n

Arsyet q\u00eb po i nxisin bankat t\u00eb japin hua jasht\u00eb lidhen kryesisht me faktin q\u00eb k\u00ebrkesa n\u00eb tregun e brendsh\u00ebm, kryesisht nga bizneset e m\u00ebdha, ka r\u00ebn\u00eb, si dhe interesat m\u00eb t\u00eb larta t\u00eb kredive n\u00eb Kosov\u00eb. Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs Qendrore t\u00eb Kosov\u00ebs, n\u00eb janar, interesi i kredive t\u00eb reja n\u00eb euro ishte 7.7%. T\u00eb dh\u00ebnat e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb tregojn\u00eb se huaja e re n\u00eb euro n\u00eb t\u00eb nj\u00ebjt\u00ebn periudh\u00eb n\u00eb Shqip\u00ebri kishte nj\u00eb interes prej 4.6%, pra n\u00eb Kosov\u00eb interesat jan\u00eb 3 pik\u00eb p\u00ebrqindje m\u00eb t\u00eb larta, q\u00eb n\u00ebnkuptojn\u00eb m\u00eb shum\u00eb fitime p\u00ebr bankat.<\/p>\n

Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, huaja p\u00ebr jo rezident\u00ebt u rrit me 40% me baz\u00eb vjetore n\u00eb 2016-n. Zgjerimi vijoi i fort\u00eb dhe n\u00eb janar, me 4% me baz\u00eb mujore p\u00ebr t\u00eb arritur n\u00eb 98.2 miliard\u00eb lek\u00eb. Rritja ka qen\u00eb e shpejt\u00eb, duke filluar nga mesi i 2014-s, p\u00ebr t\u2019u p\u00ebrshpejtuar n\u00eb 2016-n (shih grafikun). Stoku i huas\u00eb p\u00ebr jo rezident\u00ebt ka arritur n\u00eb 15% t\u00eb totalit n\u00eb janar 2017, nga 8.6% q\u00eb ishte n\u00eb dhjetor 2014.<\/p>\n

Por, bankier\u00ebt thon\u00eb se \u00ebsht\u00eb e v\u00ebshtir\u00eb t\u00eb merresh me huat\u00eb jasht\u00eb vendit p\u00ebr shkak t\u00eb mjedisit t\u00eb panjohur, jo vet\u00ebm sa i p\u00ebrket biznesit, por dhe institucioneve t\u00eb tjera, si psh gjykatat.<\/p>\n

Edhe m\u00eb her\u00ebt, ekspert\u00eb t\u00eb departamentit t\u00eb politik\u00ebs monetare t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb kan\u00eb pohuar n\u00eb takimet me mediat se huaja jasht\u00eb vendit po jepet nga pak banka dhe p\u00ebr nj\u00eb grusht kompanish. Ekspert\u00ebt e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb konfirmojn\u00eb se, k\u00ebto investime paraqesin risk t\u00eb lart\u00eb p\u00ebr monitorimin e cil\u00ebsis\u00eb s\u00eb portofolit p\u00ebr shkak t\u00eb procedurave t\u00eb ndryshme rregullator\u00eb dhe ligjeve n\u00eb Shqip\u00ebri dhe vendet ku ushtrojn\u00eb aktivitet kompanit\u00eb.<\/p>\n

N\u00eb raportin e tremujorit t\u00eb tret\u00eb t\u00eb politik\u00ebs monetare t\u00eb vitit t\u00eb kaluar, BSH theksonte se n\u00eb p\u00ebrgjith\u00ebsi, kredia p\u00ebr jorezident\u00ebt orientohet n\u00eb afate m\u00eb t\u00eb gjata maturimi, me pesh\u00ebn kryesore n\u00eb afatin e mes\u00ebm (52%). Gjat\u00eb vitit t\u00eb fundit, v\u00ebrehet zgjerim i pesh\u00ebs s\u00eb kredis\u00eb afatmesme dhe ngushtim i asaj afatgjat\u00eb.<\/p>\n

Banka e Shqip\u00ebris\u00eb b\u00ebn t\u00eb ditur se cil\u00ebsia e kredis\u00eb p\u00ebr subjektet jorezidente konsiderohet relativisht e mir\u00eb, pasi raporti \u201ckredi me probleme ndaj tepric\u00ebs s\u00eb kredis\u00eb\u201d sh\u00ebnon 5.5% dhe ka ardhur n\u00eb r\u00ebnie t\u00eb vazhdueshme gjat\u00eb 2 viteve t\u00eb fundit. \/Monitor\/<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Teksa stoku i huas\u00eb p\u00ebr bizneset jasht\u00eb Shqip\u00ebris\u00eb (jo rezident\u00ebt) arriti n\u00eb 98.2 miliard\u00eb lek\u00eb n\u00eb janar t\u00eb vitit 2017 (rreth 720 mln euro), duke u dyfishuar n\u00eb vet\u00ebm dy vjet, bankier\u00ebt kan\u00eb dh\u00ebn\u00eb alarmin p\u00ebr k\u00ebt\u00eb dukuri. Bankier\u00ebt, e kontaktuar nga Monitor, pohojn\u00eb se kjo hua po jepet kryesisht n\u00eb Kosov\u00eb nga nj\u00eb apo […]<\/p>\n","protected":false},"author":2044,"featured_media":32615,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,231,1,235],"tags":[],"class_list":{"0":"post-32614","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-lajme","9":"category-uncategorized-sq","10":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/32614","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/users\/2044"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/comments?post=32614"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/posts\/32614\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media\/32615"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/media?parent=32614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/categories?post=32614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/sq\/wp-json\/wp\/v2\/tags?post=32614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}