{"id":376854,"date":"2020-05-28T20:06:30","date_gmt":"2020-05-28T18:06:30","guid":{"rendered":"https:\/\/hashtag.al\/?p=376854"},"modified":"2020-05-28T20:06:30","modified_gmt":"2020-05-28T18:06:30","slug":"bsh-miraton-masat-qe-mundesojne-shtyrjen-e-kesteve-te-kredise-edhe-per-3-muaj","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2020\/05\/28\/bsh-miraton-masat-qe-mundesojne-shtyrjen-e-kesteve-te-kredise-edhe-per-3-muaj\/","title":{"rendered":"BSH miraton masat q\u00eb mund\u00ebsojn\u00eb shtyrjen e k\u00ebsteve t\u00eb kredis\u00eb edhe p\u00ebr 3 muaj","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

\"\"<\/a><\/p>\n

N\u00eb muajin mars dhe prill t\u00eb k\u00ebtij viti, n\u00eb kuad\u00ebr t\u00eb gjendjes s\u00eb r\u00ebnduar p\u00ebr vendin, ekonomin\u00eb shqiptare dhe n\u00eb ve\u00e7anti p\u00ebr sistemin bankar dhe institucionet e tjera financiare, si rrjedhoj\u00eb e situat\u00ebs pandemike COVID -19, Banka e Shqip\u00ebris\u00eb, nd\u00ebrmori disa masa dhe ndryshime rregullative p\u00ebr bankat, por jo vet\u00ebm, me q\u00ebllim kryesisht sigurimin e zgjidhjes s\u00eb k\u00ebrkesave t\u00eb klient\u00ebve p\u00ebr periudha t\u00eb p\u00ebrkohshme shtyrjeje, dhe nj\u00ebkoh\u00ebsisht sigurimin e sh\u00ebndetit t\u00eb bankave dhe sistemit n\u00eb t\u00ebr\u00ebsi.<\/span><\/p>\n

N\u00eb kushtet kur akoma vazhdojn\u00eb t\u00eb evidentohen v\u00ebshtir\u00ebsi p\u00ebr kredimarr\u00ebsit dhe bankat, si pasoj\u00eb e k\u00ebsaj situate, si dhe me q\u00ebllim zgjidhjen e shqet\u00ebsimeve t\u00eb ngritura nga biznesi dhe nga Shoqata Shqiptare e Bankave, autoriteti mbik\u00ebqyr\u00ebs, duke analizuar dhe konsideruar propozimet dhe k\u00ebrkesat e parashtruara nga bankat, si dhe bazuar n\u00eb eksperiencat m\u00eb t\u00eb mira t\u00eb vendeve t\u00eb tjera dhe udh\u00ebzimeve t\u00eb Autoritetit Evropian Mbik\u00ebqyr\u00ebs (EBA) p\u00ebr k\u00ebt\u00eb q\u00ebllim, miratoi disa ndryshime n\u00eb rregullat p\u00ebr administrimin e rrezikut t\u00eb kredis\u00eb nga bankat, t\u00eb cilat synojn\u00eb leht\u00ebsimin p\u00ebr bankat, kryesisht n\u00ebp\u00ebrmjet:<\/span><\/p>\n

    \n
  1. Pezullimit t\u00eb p\u00ebrkohsh\u00ebm t\u00eb zbatimit t\u00eb detyrimit q\u00eb rrjedh nga k\u00ebrkesat p\u00ebr administrimin e rrezikut t\u00eb kredis\u00eb, p\u00ebr klasifikimin dhe provigjionimin e kredive p\u00ebr t\u00eb gjitha kategorit\u00eb e klient\u00ebve, edhe p\u00ebr nj\u00eb periudh\u00eb tjet\u00ebr, nga data 1 qershor deri n\u00eb 31 gusht 2020, p\u00ebr arsye t\u00eb v\u00ebshtir\u00ebsive financiare dhe r\u00ebnies s\u00eb aft\u00ebsis\u00eb paguese t\u00eb huamarr\u00ebsve, ndikuar nga situata e krijuar;<\/span><\/li>\n
  2. pezullimit t\u00eb p\u00ebrkohsh\u00ebm t\u00eb krijimit t\u00eb fondeve rezerv\u00eb p\u00ebr pasurit\u00eb e paluajtshme t\u00eb p\u00ebrftuara kundrejt shlyerjes s\u00eb kredive deri n\u00eb muajin dhjetor 2020;<\/span><\/li>\n
  3. 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 aktuale t\u00eb 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;<\/span><\/li>\n
  4. shtyrjen me 1 vit t\u00eb hyrjes n\u00eb fuqi t\u00eb k\u00ebrkesave m\u00eb t\u00eb shtr\u00ebnguara p\u00ebr klasifikimin dhe provigjionimin e kredive t\u00eb ristrukturuara, p\u00ebr n\u00eb muajin janar 2022. N\u00ebp\u00ebrmjet k\u00ebsaj mase bankat do t\u00eb mund t\u00eb p\u00ebrdorin edhe gjat\u00eb vitit 2021 t\u00eb nj\u00ebjtat kritere p\u00ebr klasifikimin dhe provigjionimin e kredive t\u00eb ristrukturuara si ato p\u00ebrpara situat\u00ebs s\u00eb pandemis\u00eb; dhe<\/span><\/li>\n
  5. shtyrjen me 1 vit t\u00eb efekteve t\u00eb rregullores \u201cP\u00ebr trajtimin jasht\u00ebgjyq\u00ebsor nga bankat, t\u00eb kredimarr\u00ebsve n\u00eb v\u00ebshtir\u00ebsi financiare\u201d deri n\u00eb muajin janar 2022.<\/span><\/li>\n<\/ol>\n

    N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, bankat do t\u00eb ken\u00eb nj\u00eb hap\u00ebsir\u00eb m\u00eb t\u00eb madhe kohore t\u00eb gjejn\u00eb nj\u00eb zgjidhje t\u00eb p\u00ebrshtatshme p\u00ebr huamarr\u00ebsit e p\u00ebrbashk\u00ebt n\u00eb v\u00ebshtir\u00ebsi financiare.<\/span><\/p>\n

    Nd\u00ebrkoh\u00eb, kredimarr\u00ebsit, aft\u00ebsia paguese e t\u00eb cil\u00ebve nuk preket apo d\u00ebmtohet nga kjo situat\u00eb duhet t\u00eb vijojn\u00eb normalisht shlyerjen e detyrimeve t\u00eb tyre me bankat.<\/span><\/p>\n

    N\u00eb p\u00ebrfundim, Banka e Shqip\u00ebris\u00eb dhe Shoqata Shqiptare e Bankave, d\u00ebshirojn\u00eb t\u00eb sigurojn\u00eb t\u00eb gjith\u00eb publikun shqiptar se mbeten te angazhuara maksimalisht p\u00ebr t\u00eb ofruar t\u00eb gjith\u00eb mb\u00ebshtetjen e nevojshme, n\u00eb kap\u00ebrcimin e k\u00ebsaj situate t\u00eb v\u00ebshtir\u00eb.<\/span><\/p>\n

    VINI RE<\/strong><\/span>: Ky material \u00ebsht\u00eb pron\u00ebsi intelektuale e Monitor<\/span><\/a><\/span><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"

    N\u00eb muajin mars dhe prill t\u00eb k\u00ebtij viti, n\u00eb kuad\u00ebr t\u00eb gjendjes s\u00eb r\u00ebnduar p\u00ebr vendin, ekonomin\u00eb shqiptare dhe n\u00eb ve\u00e7anti p\u00ebr sistemin bankar dhe institucionet e tjera financiare, si rrjedhoj\u00eb e situat\u00ebs pandemike COVID -19, Banka e Shqip\u00ebris\u00eb, nd\u00ebrmori disa masa dhe ndryshime rregullative p\u00ebr bankat, por jo vet\u00ebm, me q\u00ebllim kryesisht sigurimin e […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":360071,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-376854","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\/376854","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\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=376854"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/376854\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/360071"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=376854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=376854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=376854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}