{"id":531066,"date":"2022-06-20T11:01:53","date_gmt":"2022-06-20T09:01:53","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=531066"},"modified":"2022-06-20T11:01:53","modified_gmt":"2022-06-20T09:01:53","slug":"autoriteti-i-konkurrences-mbyll-monitorimin-per-bankat-kane-ndjekur-rekomandimet-e-vitit-te-kaluar","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/06\/20\/autoriteti-i-konkurrences-mbyll-monitorimin-per-bankat-kane-ndjekur-rekomandimet-e-vitit-te-kaluar\/","title":{"rendered":"Autoriteti i Konkurrenc\u00ebs mbyll monitorimin p\u00ebr bankat: Kan\u00eb ndjekur rekomandimet e vitit t\u00eb kaluar","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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Autoriteti i Konkurrenc\u00ebs ka mbyllur monitorimin e zbatimit t\u00eb vendimit t\u00eb marr\u00eb vitin e kaluar, q\u00eb vendoste disa detyrime p\u00ebr kat\u00ebr bankat m\u00eb t\u00eb m\u00ebdha n\u00eb vend.<\/span><\/p>\n

N\u00eb vendimin e dat\u00ebs 4 mars 2021, \u201cP\u00ebr mbylljen, me kushte dhe detyrime, t\u00eb procedur\u00ebs s\u00eb hetimit t\u00eb thelluar n\u00eb sektorin bankar p\u00ebr Bank\u00ebn Raiffeisen, Bank\u00ebn Komb\u00ebtare Tregtare, Bank\u00ebn Credins dhe Bank\u00ebn Intesa SanPaolo\u201d p\u00ebr periudh\u00ebn 2019-2020, Komisioni i Konkurrenc\u00ebs vendosi t\u2019u rekomandoj\u00eb bankave t\u00eb m\u00ebsip\u00ebrme t\u00eb eliminojn\u00eb kostot penguese, duke leht\u00ebsuar dhe l\u00ebvizshm\u00ebrin\u00eb e klientit mes bankave dhe t\u00eb zgjerojn\u00eb gam\u00ebn e sh\u00ebrbimeve dhe produkteve n\u00ebp\u00ebrmjet platformave dixhitale.<\/span><\/p>\n

Vendimi parashikonte edhe monitorimin e sjelljes s\u00eb bankave p\u00ebr nj\u00eb vit nga marrja e vendimit.<\/span><\/p>\n

Gjat\u00eb periudh\u00ebs s\u00eb monitorimit, Komisioni i Konkurrenc\u00ebs konstatoi se kat\u00ebr bankat kan\u00eb ofruar paketa me produkte sh\u00ebrbime t\u00eb kombinuara, p\u00ebr t\u00eb plot\u00ebsuar m\u00eb mir\u00eb nevojat e individ\u00ebve p\u00ebr sh\u00ebrbime bankare, t\u00eb cilat kan\u00eb \u00e7uar n\u00eb uljen e tarifave dhe komisioneve t\u00eb tyre, por nuk kan\u00eb nd\u00ebrmarr\u00eb ndryshime n\u00eb politikat e tyre n\u00eb lidhje me komisionet e transferimit t\u00eb kredive mes bankave apo penalitetet e likuidimit t\u00eb parakohsh\u00ebm t\u00eb kredis\u00eb, me p\u00ebrjashtim t\u00eb Bank\u00ebs Intesa Sanpaolo.<\/span><\/p>\n

Ligj\u00ebrisht, bankat kan\u00eb t\u00eb drejt\u00eb t\u00eb aplikojn\u00eb penalitete p\u00ebr mbylljen e parakohshme t\u00eb kredive, por niveli i tyre n\u00eb produktet e kredis\u00eb p\u00ebr individ\u00eb \u00ebsht\u00eb i kufizuar nga rregullorja e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb \u201cp\u00ebr kredin\u00eb konsumatore dhe kredin\u00eb hipotekare\u201d.<\/span><\/p>\n

P\u00ebr kredit\u00eb hipotekare, penaliteti nuk mund t\u00eb jet\u00eb m\u00eb i lart\u00eb se 2% e shum\u00ebs s\u00eb kredis\u00eb s\u00eb paguar para afatit, n\u00ebse periudha midis shlyerjes para afatit dhe maturimit t\u00eb kredis\u00eb \u00ebsht\u00eb mbi 1 vit dhe 1% t\u00eb shum\u00ebs s\u00eb kredis\u00eb s\u00eb paguar para afatit, n\u00ebse periudha midis shlyerjes para afatit dhe maturimit t\u00eb kredis\u00eb nuk kalon 1 vit.<\/span><\/p>\n

P\u00ebr kredin\u00eb konsumatore, n\u00ebse periudha midis shlyerjes para afatit dhe maturimit t\u00eb kredis\u00eb \u00ebsht\u00eb mbi 1 vit, penalitetu nuk tejkalon 1% t\u00eb shum\u00ebs s\u00eb kredis\u00eb s\u00eb paguar para afatit dhe n\u00ebse kjo periudh\u00eb nuk kalon 1 vit, kompensimi nuk tejkalon 0.5% t\u00eb shum\u00ebs s\u00eb kredis\u00eb s\u00eb paguar para afatit.<\/span><\/p>\n

Gjithashtu, n\u00eb vendimin e Autoritetit t\u00eb Konkurrenc\u00ebs citohet konkluzion se bankat kan\u00eb orientuar sh\u00ebrbimet e tyre drejt p\u00ebrdorimit t\u00eb platformave digjitale, shtimit t\u00eb numrit t\u00eb sh\u00ebrbimeve, uljen e kostove (pothuajse t\u00eb gjitha sh\u00ebrbimet e ofruara jan\u00eb pa komisione) dhe edukimit t\u00eb publikut p\u00ebr sh\u00ebrbimet e reja digjitale, duke plot\u00ebsuar rekomandimet e tjera t\u00eb dh\u00ebna.<\/span><\/p>\n

Hetimi i thelluar n\u00eb sektorin bankar u hap n\u00eb fillim t\u00eb vitit 2019 dhe p\u00ebrfshinte periudh\u00ebn mes 1 janarit 2016 dhe 31 dhjetorit 2018.<\/span><\/p>\n

N\u00eb p\u00ebrfundim t\u00eb hetimit t\u00eb thelluar, Autoriteti i Konkurrenc\u00ebs pati vendosur detyrimin e bankave p\u00ebr t\u00eb rishikuar drejt uljes brenda nj\u00eb viti nga marrja e vendimit komisionet e sh\u00ebrbimeve bankare p\u00ebr produktet e depozitave, kredive si dhe p\u00ebr sh\u00ebrbimet e transfertave e pagesave.<\/span><\/p>\n

Gjithashtu, ato duhet t\u00eb ndryshonin normat e interesit p\u00ebr produktet depozita dhe kredi me synim ngushtimin e marzhit midis normave respektive.<\/span><\/p>\n

Nga hetimi i thelluar i tregut t\u00eb sh\u00ebrbimeve dhe produkteve bankare, rezultoi se tregjet me nivelin m\u00eb t\u00eb lart\u00eb t\u00eb p\u00ebrqendrimit jan\u00eb tregu i llogaris\u00eb rrjedh\u00ebse, tregu i kredis\u00eb konsumatore, tregu i kredis\u00eb kufi (overdraft), tregu i transfertave bankare hyr\u00ebse dhe tregu i transfertave bankare dal\u00ebse.<\/span><\/p>\n

Por, bankat e prekura kund\u00ebrshtuan konkluzionet e hetimit dhe tre prej tyre e padit\u00ebn Autoritetin e Konkurrenc\u00ebs n\u00eb Gjykat\u00ebn Administrative, duke k\u00ebrkuar shfuqizimin e vendimit n\u00eb fjal\u00eb.<\/span><\/p>\n

Dy prej tyre, megjithat\u00eb, u t\u00ebrhoq\u00ebn nga padia, pasi Autoriteti i Konkurrenc\u00ebs mori nj\u00eb vendim t\u00eb dyt\u00eb n\u00eb mars 2021, ku shprehej se, nga monitorimi i tregut, i vler\u00ebsonte t\u00eb p\u00ebrmbushura detyrimet e vendosura n\u00eb vendimin e muajit n\u00ebntor 2020.<\/span><\/p>\n

Vendimi i muajit mars, \u201cMbi monitorimin e vendimit nr. 723, dat\u00eb 17.11.2020\u201d, arrinte n\u00eb p\u00ebrfundimin se \u201cbankat kan\u00eb miratuar ndryshime n\u00eb norma interesi p\u00ebr depozitat, kredit\u00eb dhe komisionet e sh\u00ebrbimeve n\u00eb p\u00ebrputhje me kushtet dhe detyrimet e p\u00ebrcaktuara n\u00eb vendim dhe t\u00eb painfluencuara nga vendimmarrja e Komisionit t\u00eb Konkurrenc\u00ebs\u201d.<\/span><\/p>\n

Sipas Autoritetit t\u00eb Konkurrenc\u00ebs, aktiviteti i bankave ka reflektuar kushtet e tregut vendas dhe nd\u00ebrkomb\u00ebtar si dhe politikat konkurruese t\u00eb bankave pas monitorimit t\u00eb tregut dhe komunikimit me bankat, ky institucion i vler\u00ebson t\u00eb p\u00ebrmbushura detyrimet e vendosura n\u00eb vendimin e muajit n\u00ebntor dhe q\u00eb erdh\u00ebn si rezultat i hetimit t\u00eb thelluar t\u00eb sh\u00ebrbimeve dhe produkteve bankare.<\/span><\/p>\n

T\u00eb vetmet rekomandime q\u00eb Autoriteti kishte l\u00ebn\u00eb n\u00eb fuqi n\u00eb vendimin e muajit mars jan\u00eb eliminimi i kostove penguese, duke leht\u00ebsuar l\u00ebvizshm\u00ebrin\u00eb e klientit mes bankave, si edhe zgjerimin e gam\u00ebs s\u00eb sh\u00ebrbimeve dhe produkteve n\u00ebp\u00ebrmjet platformave dixhitale. \/ E. Shehu.<\/span><\/p>\n

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

Autoriteti i Konkurrenc\u00ebs ka mbyllur monitorimin e zbatimit t\u00eb vendimit t\u00eb marr\u00eb vitin e kaluar, q\u00eb vendoste disa detyrime p\u00ebr kat\u00ebr bankat m\u00eb t\u00eb m\u00ebdha n\u00eb vend. N\u00eb vendimin e dat\u00ebs 4 mars 2021, \u201cP\u00ebr mbylljen, me kushte dhe detyrime, t\u00eb procedur\u00ebs s\u00eb hetimit t\u00eb thelluar n\u00eb sektorin bankar p\u00ebr Bank\u00ebn Raiffeisen, Bank\u00ebn Komb\u00ebtare Tregtare, […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":51,"featured_media":531067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-531066","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\/531066","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=531066"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/531066\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/531067"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=531066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=531066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=531066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}