{"id":2510,"date":"2020-12-18T09:03:09","date_gmt":"2020-12-18T08:03:09","guid":{"rendered":"https:\/\/voranews.al\/?p=2510"},"modified":"2020-12-18T09:03:14","modified_gmt":"2020-12-18T08:03:14","slug":"bankat-kerkojne-shtyrjen-e-masave-qe-lehtesojne-ristrukturimin-e-kredive","status":"publish","type":"post","link":"https:\/\/voranews.al\/?p=2510","title":{"rendered":"Bankat k\u00ebrkojn\u00eb shtyrjen e masave q\u00eb leht\u00ebsojn\u00eb ristrukturimin e kredive"},"content":{"rendered":"\n<p><strong>TIRAN\u00cb<\/strong>\u2013 Bankat tregtare i kan\u00eb k\u00ebrkuar Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb shtyrjen e masave q\u00eb leht\u00ebsojn\u00eb ristrukturimin e kredive edhe p\u00ebr vitin e ardhsh\u00ebm.\u00a0Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, tha dje pas mbledhjes s\u00eb K\u00ebshillit Mbik\u00ebqyr\u00ebs se nj\u00eb propozim i till\u00eb \u00ebsht\u00eb artikuluar zyrtarisht nga Shoqata e Bankave dhe po merret n\u00eb shqyrtim nga Banka Qendrore.<\/p>\n\n\n\n<p>N\u00eb muajin maj t\u00eb k\u00ebtij viti, K\u00ebshilli Mbik\u00ebqyr\u00ebs i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb miratoi nj\u00eb dispozit\u00eb leht\u00ebsuese p\u00ebr kredit\u00eb e ristrukturuara, sipas s\u00eb cil\u00ebs bankave u jepet mund\u00ebsi t\u00eb ristrukturojn\u00eb marr\u00ebdh\u00ebniet e kredive, me q\u00ebllim gjetjen e zgjidhjeve t\u00eb p\u00ebrshtatshme n\u00eb var\u00ebsi t\u00eb aft\u00ebsis\u00eb paguese t\u00eb kredimarr\u00ebsve deri m\u00eb 31 dhjetor 2020, pa kosto shtes\u00eb t\u00eb provigjoneve dhe pa p\u00ebrkeq\u00ebsim t\u00eb statusit t\u00eb huamarr\u00ebsve. K\u00ebrkesa e bankave lidhet pik\u00ebrisht me shtyrjen e m\u00ebtejshme t\u00eb dispozitave t\u00eb m\u00ebsip\u00ebrme.<\/p>\n\n\n\n<p>Miratimi i k\u00ebsaj k\u00ebrkese nuk do t\u00eb n\u00ebnkuptoj\u00eb nj\u00eb moratorium apo shtyrje n\u00eb bllok t\u00eb k\u00ebsteve t\u00eb kredive, si\u00e7 ndodhi n\u00eb mars t\u00eb k\u00ebtij viti. Ajo do t\u00eb krijoj\u00eb hap\u00ebsira q\u00eb bankat t\u2019iu mund\u00ebsojn\u00eb ristrukturime t\u00eb m\u00ebtejshme atyre klient\u00ebve q\u00eb provojn\u00eb se po kalojn\u00eb v\u00ebshtir\u00ebsi t\u00eb p\u00ebrkohshme, t\u00eb lidhura me pandemin\u00eb dhe se aktiviteti i tyre mund t\u00eb p\u00ebrmir\u00ebsohet n\u00eb t\u00eb ardhmen e af\u00ebrt.<\/p>\n\n\n\n<p>N\u00eb \u00e7do rast, vendimi p\u00ebr shtyrjen e kredis\u00eb do t\u2019i takoj\u00eb bank\u00ebs dhe do t\u00eb merret mb\u00ebshtetur n\u00eb analiza individuale t\u00eb kredimarr\u00ebsve q\u00eb paraqesin k\u00ebrkesa t\u00eb k\u00ebtij lloji.<\/p>\n\n\n\n<p>Sipas t\u00eb dh\u00ebnave nga Banka e Shqip\u00ebris\u00eb, fal\u00eb moratoriumit t\u00eb pagesave q\u00eb u vendos n\u00eb mars 2020 u shtyn\u00eb mbi 25 mij\u00eb kredi bankare, me vler\u00eb t\u00eb p\u00ebrgjithshme rreth dy miliard\u00eb euro.<\/p>\n\n\n\n<p>Kjo iu la huamarr\u00ebsve likuiditet shtes\u00eb p\u00ebr t\u00eb p\u00ebrballuar v\u00ebshtir\u00ebsit\u00eb e shkaktuara nga kriza, por paralelisht mbrojti edhe bankat nga nj\u00eb p\u00ebrkeq\u00ebsim i shpejt\u00eb i cil\u00ebsis\u00eb s\u00eb portofolit t\u00eb kredis\u00eb.<\/p>\n\n\n\n<p>Megjith\u00ebse moratoriumi u mbyll n\u00eb fund t\u00eb muajit gusht, dispozitat leht\u00ebsuese shtes\u00eb lan\u00eb hap\u00ebsira q\u00eb bankat t\u00eb ristrukturonin kredi edhe n\u00eb afate m\u00eb t\u00eb gjata, pa e penalizuar huamarr\u00ebsin.<\/p>\n\n\n\n<p>Kjo u b\u00eb p\u00ebr t\u00eb ndihmuar sektor\u00eb q\u00eb p\u00ebsuan goditje m\u00eb t\u00eb fort\u00eb nga kriza dhe ku pasojat priteshin t\u00eb ishin m\u00eb afatgjata. K\u00ebrkesa e bankave p\u00ebr t\u00eb shtyr\u00eb k\u00ebto dispozita lidhet kryesisht me problematikat e sektor\u00ebve m\u00eb t\u00eb goditur, si p\u00ebr shembull aktivitetet e lidhura me turizmin dhe transportin.<\/p>\n\n\n\n<p>Deri tani, kriza nuk ka sjell\u00eb rritje t\u00eb m\u00ebtejshme t\u00eb raportit t\u00eb kredive me probleme, q\u00eb n\u00eb fund t\u00eb tetorit ishin n\u00eb nivelin 8.3%. Megjithat\u00eb, si\u00e7 tha guvernatori Sejko, ky raport do t\u00eb ishte m\u00eb i ul\u00ebt, n\u00ebse ekonomia nuk do t\u00eb ishte goditur nga kriza.<\/p>\n\n\n\n<p>Nj\u00eb rritje e raportit t\u00eb kredive me probleme \u00ebsht\u00eb e pritshme gjat\u00eb vitit 2021, p\u00ebr shkak t\u00eb transmetimit t\u00eb vonuar t\u00eb efekteve n\u00eb portofolet e bankave, \u00e7ka lidhet me moratoriumin gjahst\u00ebmujor t\u00eb kredive dhe me afatet kohore rregullatore p\u00ebr klasifikimin e kredive me probleme.\/E.Shehu<\/p>\n","protected":false},"excerpt":{"rendered":"<p>TIRAN\u00cb\u2013 Bankat tregtare i kan\u00eb k\u00ebrkuar Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb shtyrjen e masave q\u00eb leht\u00ebsojn\u00eb ristrukturimin e kredive edhe p\u00ebr vitin e ardhsh\u00ebm.\u00a0Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, tha dje pas mbledhjes s\u00eb K\u00ebshillit Mbik\u00ebqyr\u00ebs se nj\u00eb propozim i till\u00eb \u00ebsht\u00eb artikuluar zyrtarisht nga Shoqata e Bankave dhe po merret n\u00eb shqyrtim nga Banka Qendrore. &hellip;<\/p>\n","protected":false},"author":1,"featured_media":2511,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[13],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/voranews.al\/wp-content\/uploads\/2020\/12\/CF33930D-6221-440A-937F-4A215D9C3E7C.jpeg","_links":{"self":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/2510"}],"collection":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2510"}],"version-history":[{"count":1,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/2510\/revisions"}],"predecessor-version":[{"id":2512,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/posts\/2510\/revisions\/2512"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=\/wp\/v2\/media\/2511"}],"wp:attachment":[{"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/voranews.al\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}