{"id":348438,"date":"2020-01-22T12:21:01","date_gmt":"2020-01-22T11:21:01","guid":{"rendered":"https:\/\/hashtag.al\/?p=348438"},"modified":"2020-01-22T12:22:07","modified_gmt":"2020-01-22T11:22:07","slug":"bizneset-po-kerkojne-borxh-per-te-shlyer-borxhet","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2020\/01\/22\/bizneset-po-kerkojne-borxh-per-te-shlyer-borxhet\/","title":{"rendered":"Bizneset po k\u00ebrkojn\u00eb borxh p\u00ebr t\u00eb shlyer borxhet","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Bankat tregtare kan\u00eb v\u00ebn\u00eb re se gjat\u00eb 3-mujorit t\u00eb fundit t\u00eb vitit 2019 ka nj\u00eb rritje t\u00eb tendenc\u00ebs p\u00ebr kredi, t\u00eb cilat do t\u00eb shkojn\u00eb p\u00ebr shlyerje t\u00eb borxhit. Nj\u00eb borxh i ri p\u00ebr t\u00eb shlyer nj\u00eb borxh t\u00eb vjet\u00ebr \u00ebsht\u00eb treguesi m\u00eb real i v\u00ebshtir\u00ebsive q\u00eb po kalojn\u00eb bizneset p\u00ebr likuiditet.<\/span><\/p>\n

Duke par\u00eb ket\u00eb tendenc\u00eb negative kushtet e bankave p\u00ebr kreditimin jan\u00eb shtr\u00ebnguar m\u00eb tej n\u00eb tremujorin e fundit t\u00eb vitit si pasoj\u00eb e perceptimit n\u00eb rritje p\u00ebr nj\u00eb rrezik t\u00eb shtuar lidhur me aft\u00ebsin\u00eb paguese t\u00eb individ\u00ebve dhe bizneseve, si edhe me ekzekutimin e kolateralit, v\u00ebrejti Banka e Shqip\u00ebris\u00eb, pasi p\u00ebrpunoi opinionet e bankave.<\/span><\/p>\n

Banka e Shqip\u00ebris\u00eb gjeti n\u00ebp\u00ebrmjet vrojtimit se, nevoja p\u00ebr rifinancim borxhi \u00ebsht\u00eb rritur me 18 p\u00ebr qind n\u00eb tremujorin e fundit. K\u00ebrkesa p\u00ebr rifinancim p\u00ebr borxhin \u00ebsht\u00eb nj\u00eb tregues i ri q\u00eb nisi t\u00eb matet nga Banka e Shqip\u00ebris\u00eb gjat\u00eb vitit 2018.<\/span><\/p>\n

N\u00eb tremujorin e fundit t\u00eb 2019 nevoja p\u00ebr rfinancimin e borxhit p\u00ebsoi rritjen m\u00eb t\u00eb madhe s\u00eb paku q\u00eb nga tremujori i dyt\u00eb i vitit 2018, kur ky tregues nisi t\u00eb matej.<\/span><\/p>\n

Nga ana tjet\u00ebr zhvillimet reale n\u00eb kredin\u00eb bankare kan\u00eb qen\u00eb m\u00eb t\u00eb dob\u00ebta se parashikimet. Bankat prisnin q\u00eb k\u00ebrkesa p\u00ebr kredi i bizneseve t\u00eb rritej n\u00eb tremujorin e fundit t\u00eb vitit, por n\u00eb fakt k\u00ebrkesa p\u00ebr hua ka sh\u00ebnuar r\u00ebnie n\u00eb raport me tremujorin paraardh\u00ebs.<\/span><\/p>\n

Si faktor\u00eb me ndikim n\u00eb shtimin e k\u00ebrkes\u00ebs p\u00ebr kredi u raportuan nevojat m\u00eb t\u00eb larta p\u00ebr rifinancimin e borxheve ekzistuese dhe ristrukturimin e kompanive; si edhe financimin e inventar\u00ebve dhe kapitalit qarkullues. Po ashtu, niveli i p\u00ebrgjithsh\u00ebm i normave t\u00eb interesit u perceptua si nj\u00eb faktor i favorsh\u00ebm p\u00ebr zgjerimin e k\u00ebrkes\u00ebs p\u00ebr kredi.<\/span><\/p>\n

Por edhe bizneset q\u00eb jan\u00eb drejtuar n\u00eb banka m\u00eb s\u00eb shumti kan\u00eb k\u00ebrkuar q\u00eb t\u00eb financojn\u00eb nevojat p\u00ebr likuiditet dhe t\u00eb rifinacojn\u00eb borxhet se sa t\u00eb investojn\u00eb. K\u00ebrkesa p\u00ebr kredi investimesh ka p\u00ebsuar r\u00ebnie. Me mbi 15 p\u00ebr qind n\u00eb tre mujorin e fundit t\u00eb 2019, nd\u00ebrsa bankat kishin projektuar r\u00ebnie kaq t\u00eb fort\u00eb.<\/span><\/p>\n

P\u00ebr tremujorin e par\u00eb t\u00eb vitit 2020, bankat u shpreh\u00ebn se presin nj\u00eb shtim t\u00eb k\u00ebrkes\u00ebs p\u00ebr kredi nga ana e bizneseve, e shtrir\u00eb n\u00eb t\u00eb dyja kategorit\u00eb e madh\u00ebsis\u00eb s\u00eb biznesit, por e kufizuar vet\u00ebm n\u00eb kredit\u00eb dh\u00ebn\u00eb me q\u00ebllim mbulimin e nevojave p\u00ebr likuiditet. Kredia p\u00ebr investime, sipas gjykimit t\u00eb bankave, pritet t\u00eb jet\u00eb e ul\u00ebt edhe n\u00eb tremujorin e par\u00eb t\u00eb vitit 2020.<\/span><\/p>\n

Bizneset ul\u00ebn k\u00ebrkes\u00ebn p\u00ebr kredi<\/span><\/strong><\/p>\n

Bankat jan\u00eb m\u00eb t\u00eb prirura t\u00eb japin hua, por nga ana tjet\u00ebr jan\u00eb bizneset q\u00eb kan\u00eb ulur k\u00ebrkes\u00ebn p\u00ebr kredi, sidomos p\u00ebr investime. Ulja e k\u00ebrkes\u00ebs u ndikua nga ndjesia e bizneseve p\u00ebr situat\u00ebn ekonomike dhe perspektiv\u00ebn e saj, si edhe nga besimi i biznesit dhe pritet t\u00eb vazhdoj\u00eb dhe n\u00eb tremujorin e par\u00eb 2020. N\u00eb r\u00ebnie ishte dhe k\u00ebrkesa e individ\u00ebve, si p\u00ebr kredi konsumatore, ashtu dhe p\u00ebr blerje banese, ndon\u00ebse kjo e fundit pritet t\u00eb p\u00ebrmir\u00ebsohet n\u00eb pjes\u00ebn e par\u00eb t\u00eb k\u00ebtij viti.<\/span><\/p>\n

Banka e Shqip\u00ebris\u00eb ka publikuar Vrojtimin e Aktivitetit Kreditues p\u00ebr tremujorin e kat\u00ebrt, I cili bazohet n\u00eb opinionet e bankave tregtare. Sipas vrojtimit, standardet e kreditimit p\u00ebr bizneset u leht\u00ebsuan disi n\u00eb tremujorin e kat\u00ebrt t\u00eb vitit 2019, si pasoj\u00eb e leht\u00ebsimit n\u00eb kategorin\u00eb e kredive dh\u00ebn\u00eb p\u00ebr bizneset e vogla e t\u00eb mesme.<\/span><\/p>\n

Nga ana tjet\u00ebr, k\u00ebrkesa p\u00ebr kredi \u00ebsht\u00eb perceptuar disi m\u00eb e ul\u00ebt nga nj\u00eb tremujor m\u00eb par\u00eb, p\u00ebr t\u00eb dyja kategorit\u00eb e madh\u00ebsis\u00eb s\u00eb biznesit, dhe ve\u00e7an\u00ebrisht e theksuar n\u00eb kredit\u00eb me q\u00ebllim financimin e investimeve. Standardet e kreditimit u vler\u00ebsuan disi t\u00eb leht\u00ebsuara edhe p\u00ebr individ\u00ebt, kryesisht n\u00eb kredit\u00eb e destinuara p\u00ebr blerjen e banesave. K\u00ebrkesa p\u00ebr kredi e individ\u00ebve n\u00eb tremujorin e fundit t\u00eb vitit u raportua m\u00eb e ul\u00ebt, n\u00eb t\u00eb dyja kategorit\u00eb.<\/span><\/p>\n

VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n

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

Bankat tregtare kan\u00eb v\u00ebn\u00eb re se gjat\u00eb 3-mujorit t\u00eb fundit t\u00eb vitit 2019 ka nj\u00eb rritje t\u00eb tendenc\u00ebs p\u00ebr kredi, t\u00eb cilat do t\u00eb shkojn\u00eb p\u00ebr shlyerje t\u00eb borxhit. Nj\u00eb borxh i ri p\u00ebr t\u00eb shlyer nj\u00eb borxh t\u00eb vjet\u00ebr \u00ebsht\u00eb treguesi m\u00eb real i v\u00ebshtir\u00ebsive q\u00eb po kalojn\u00eb bizneset p\u00ebr likuiditet. Duke par\u00eb ket\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":348440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-348438","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/348438","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=348438"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/348438\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/348440"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=348438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=348438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=348438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}