{"id":313769,"date":"2019-07-05T10:22:45","date_gmt":"2019-07-05T08:22:45","guid":{"rendered":"https:\/\/hashtag.al\/?p=313769"},"modified":"2020-01-05T22:35:05","modified_gmt":"2020-01-05T21:35:05","slug":"si-po-na-rrjep-karteli-i-bankave","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2019\/07\/05\/si-po-na-rrjep-karteli-i-bankave\/","title":{"rendered":"Si po na rrjep karteli i bankave","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"Nga Klodian Tomorri<\/span><\/strong><\/p>\n

Karteli ligjor i bankave q\u00eb ka ngritur koncesioni i qeveris\u00eb<\/span><\/p>\n

N\u00ebn petkun e luft\u00ebs kund\u00ebr ekonomis\u00eb informale, p\u00ebrgjat\u00eb dy dekadave t\u00eb fundit qeverit\u00eb shqiptare nj\u00ebra pas tjetr\u00ebs i kan\u00eb dh\u00ebn\u00eb jet\u00eb dhe kan\u00eb ngritur nj\u00eb skem\u00eb monstruoze grabitjeje, n\u00eb qend\u00ebr t\u00eb t\u00eb cilave q\u00ebndron sistemi financiar. E gjith\u00eb skema \u00ebsht\u00eb ngritur dhe mbrohet me forc\u00ebn abuzive t\u00eb ligjit, i cili \u00e7on uj\u00eb vet\u00ebm n\u00eb nj\u00eb krah, tek bankat, nd\u00ebrsa qytetar\u00ebt jan\u00eb t\u00eb detyruar t\u00eb paguajn\u00eb hara\u00e7et kriminale.<\/span><\/p>\n

Fillimisht ishte detyrimi me ligj p\u00ebr t\u00eb kaluar t\u00eb gjitha pagat p\u00ebrmes sistemit bankar. M\u00eb pas t\u00eb gjitha pagesat e biznesit mbi kufirin 150 mij\u00eb lek\u00eb dhe masa e fundit \u00ebsht\u00eb detyrimi i \u00e7do biznesi p\u00ebr t\u00eb patur llogari bankare, pavar\u00ebsisht aktivitetit q\u00eb ai ushtron. Si rezultat, \u00e7do transaksion ekonomik, q\u00eb qytetar\u00ebt kryejn\u00eb n\u00eb jet\u00ebn e p\u00ebrditshme jan\u00eb t\u00eb detyruar ta b\u00ebjn\u00eb p\u00ebrmes bankave, pa patur fuqin\u00eb minimale t\u00eb negocimit p\u00ebr kostot.<\/span><\/p>\n

I gjith\u00eb ky korpus ligjor i ka v\u00ebn\u00eb qytetar\u00ebt n\u00eb nj\u00eb pozit\u00eb t\u00eb pafuqishme p\u00ebrball\u00eb bankave, nd\u00ebrsa k\u00ebto t\u00eb fundit n\u00eb nj\u00eb pozit\u00eb qartazi dominuese, t\u00eb cil\u00ebn mund ta p\u00ebrdorin p\u00ebr fitime abuzive. Kjo fush\u00eb loje e pabarabart\u00eb ka \u00e7uar n\u00eb nj\u00eb situat\u00eb \u00e7mendurie, duke e b\u00ebr\u00eb sistemin financiar shqiptar t\u00eb vetmin n\u00eb bot\u00eb, i cili aplikon komisione dyshifrore edhe p\u00ebr veprimet m\u00eb t\u00eb thjeshta, q\u00eb nuk kan\u00eb asnj\u00eb risk.<\/span><\/p>\n

Vitin e kaluar, nj\u00eb i njohuri im duhet t\u00eb kryente nj\u00eb transfert\u00eb 288 euro nga nj\u00eb bank\u00eb jasht\u00eb shtetit tek nj\u00eb bank\u00eb vendase. Komisioni q\u00eb ju ngarkua ishte plot 65 euro ose 22.5 p\u00ebr qind e shum\u00ebs s\u00eb transferuar. Transferta ishte e detyruar nga ligji t\u00eb kalonte p\u00ebrmes bank\u00ebs. Shkurt duke p\u00ebrdorur aparatin represiv t\u00eb fuqis\u00eb legjislative n\u00eb an\u00ebn e tyre, bankat mund t\u00eb shfryt\u00ebzojn\u00eb ekonomikisht qytetar\u00ebt deri n\u00eb nivele \u00e7mendurie.<\/span><\/p>\n

Praktikisht prej disa vitesh, biznesi kryesor i bankave jan\u00eb b\u00ebr\u00eb komisionet dhe veprimet pa risk me borxhin e qeveris\u00eb. Kjo ka krijuar nj\u00eb incentiv\u00eb perverse, e cila d\u00ebmton jo vet\u00ebm qytetar\u00ebt por t\u00eb gjith\u00eb ekonomin\u00eb komb\u00ebtare. Duke patur fitime t\u00eb garantuara nga komisionet dhe blerja pa risk e borxhit t\u00eb qeveris\u00eb, bankat nuk kan\u00eb asnj\u00eb nxitje t\u00eb kryejn\u00eb rolin kryesor p\u00ebr t\u00eb cilin ato ekzistojn\u00eb, nd\u00ebrmjet\u00ebsimin financiar. Pra t\u00eb grumbullojn\u00eb depozitat e qytetar\u00ebve p\u00ebr t’i shp\u00ebrndar\u00eb si kredi p\u00ebr ekonomin\u00eb. E madje, u lejon drejtuesve t\u00eb tyre q\u00eb t\u00eb p\u00ebrfshihen edhe n\u00eb marr\u00ebveshje okulte, pra t\u00eb japin kredi t\u00eb cilat kan\u00eb risk t\u00eb lart\u00eb kthimi p\u00ebrkundrejt rryshfeteve.<\/span><\/p>\n

Nuk \u00ebsht\u00eb rast\u00ebsi, e madje \u00ebsht\u00eb rast unikal n\u00eb bot\u00eb, q\u00eb nj\u00eb sistem financiar t\u00eb rezultoj\u00eb \u00e7do vit fitimprur\u00ebs edhe pse niveli i kredive t\u00eb k\u00ebqija arriti deri n\u00eb 25 p\u00ebr qind dhe kreditimi real i ekonomis\u00eb prej 6 vitesh \u00ebsht\u00eb n\u00eb stanjacion t\u00eb plot\u00eb.<\/span><\/p>\n

Kjo situat\u00eb perverse nuk \u00ebsht\u00eb e rast\u00ebsishme. Fuqia lobuese e bankave \u00ebsht\u00eb e jasht\u00ebzakonshme dhe sa her\u00eb q\u00eb dikush tenton t\u00eb vendos\u00eb barazin\u00eb n\u00eb fush\u00ebn e loj\u00ebs dhe t\u00eb thyej\u00eb k\u00ebt\u00eb qerthull negativ ato p\u00ebrdorin pushtetin p\u00ebr ta ndaluar. Arben Malaj, an\u00ebtari ende n\u00eb detyr\u00eb i Bordit Mbikqyr\u00ebs t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb ka k\u00ebrkuar disa her\u00eb p\u00ebrgatitjen e list\u00ebs s\u00eb zez\u00eb t\u00eb bankier\u00ebve, t\u00eb cil\u00ebt kan\u00eb rekordet m\u00eb negative n\u00eb treguesit e kredis\u00eb s\u00eb keqe. Por pavar\u00ebsisht k\u00ebsaj institucioni i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, t\u00eb pakt\u00ebn deri tani nuk e ka mb\u00ebshtetur nd\u00ebrmarrjen e nj\u00eb hapi t\u00eb till\u00eb.<\/span><\/p>\n

Kjo \u00ebsht\u00eb nj\u00eb situat\u00eb, e cila nuk mund t\u00eb vazhdoj\u00eb m\u00eb k\u00ebshtu. Jo vet\u00ebm p\u00ebr shkak t\u00eb padrejt\u00ebsis\u00eb, por edhe sepse d\u00ebmton r\u00ebnd\u00eb ekonomin\u00eb. Ka ardhur koha q\u00eb Banka e Shqip\u00ebris\u00eb, rregullatori i sistemit, t\u00eb kuptoj\u00eb se \u00ebsht\u00eb nj\u00eb institucion publik, q\u00eb i p\u00ebrket qytetar\u00ebve dhe nuk \u00ebsht\u00eb krijuar p\u00ebr t\u00eb qen\u00eb pal\u00eb n\u00eb kartelin ligjor t\u00eb bankave. Nga ana tjet\u00ebr, qeveria duhet t\u00eb rishikoj\u00eb t\u00ebr\u00ebsisht korpusin rregullator t\u00eb sistemit financiar, p\u00ebr t\u00eb mbrojtur qytetar\u00ebt nga koncesioni gjigand dhe abuziv q\u00eb ka krijuar n\u00eb sistemin financiar.<\/span><\/p>\n

 <\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

Nga Klodian Tomorri Karteli ligjor i bankave q\u00eb ka ngritur koncesioni i qeveris\u00eb N\u00ebn petkun e luft\u00ebs kund\u00ebr ekonomis\u00eb informale, p\u00ebrgjat\u00eb dy dekadave t\u00eb fundit qeverit\u00eb shqiptare nj\u00ebra pas tjetr\u00ebs i kan\u00eb dh\u00ebn\u00eb jet\u00eb dhe kan\u00eb ngritur nj\u00eb skem\u00eb monstruoze grabitjeje, n\u00eb qend\u00ebr t\u00eb t\u00eb cilave q\u00ebndron sistemi financiar. E gjith\u00eb skema \u00ebsht\u00eb ngritur dhe […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":309272,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-313769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-editorial"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/313769","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=313769"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/313769\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/309272"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=313769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=313769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=313769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}