{"id":546426,"date":"2022-09-03T09:46:38","date_gmt":"2022-09-03T07:46:38","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=546426"},"modified":"2022-09-03T09:46:38","modified_gmt":"2022-09-03T07:46:38","slug":"amf-tregu-i-sigurimeve-ka-nevoje-te-zgjeroje-digjitalizimin","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2022\/09\/03\/amf-tregu-i-sigurimeve-ka-nevoje-te-zgjeroje-digjitalizimin\/","title":{"rendered":"AMF: Tregu i sigurimeve ka nevoj\u00eb t\u00eb zgjeroj\u00eb digjitalizimin","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

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

Autoriteti i Mbik\u00ebqyrjes Financiare e vler\u00ebson pozitivisht ecurin\u00eb e tregut t\u00eb sigurimeve vitin e kaluar.<\/span><\/p>\n

N\u00eb nj\u00eb prononcim p\u00ebr \u201cMonitor\u201d, institucioni vler\u00ebson se n\u00eb vazhdim, digjitalizimi \u00ebsht\u00eb nj\u00eb nga nevojat kryesore p\u00ebr tregun e sigurimeve.<\/span><\/p>\n

Sipas AMF, nisur nga zhvillimet gjeopolitike t\u00eb k\u00ebtij viti dhe efektet n\u00eb tregjet financiare, autoritetet rregullatore po b\u00ebjn\u00eb vler\u00ebsimet p\u00ebrkat\u00ebse n\u00eb lidhje me ndryshimet e matric\u00ebs s\u00eb rrezikut dhe ndikimit q\u00eb mund t\u00eb ken\u00eb k\u00ebto zhvillime edhe n\u00eb industrin\u00eb e tregut t\u00eb sigurimeve.<\/span><\/p>\n

Si e vler\u00ebsoni ecurin\u00eb e tregut t\u00eb sigurimeve n\u00eb vitin 2021 dhe cilat ishin zhvillimet m\u00eb t\u00eb r\u00ebnd\u00ebsishme, n\u00eb k\u00ebndv\u00ebshtrimin tuaj?<\/strong><\/span><\/p>\n

Viti 2021 sh\u00ebnoi zhvillime t\u00eb r\u00ebnd\u00ebsishme p\u00ebr tregun e sigurimeve. M\u00eb 16.03.2021 u miratua nga Kuvendi i Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb, Ligji nr. 32\/2021 \u201cP\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit\u201d, i cili hyri n\u00eb fuqi m\u00eb dat\u00eb 1 korrik 2021.<\/span><\/p>\n

Miratimi i Ligjit u vler\u00ebsua n\u00eb ve\u00e7anti nga Komisioni Europian n\u00eb Progres-Raportin p\u00ebr Shqip\u00ebrin\u00eb, i cili, nd\u00ebr t\u00eb tjera, konstatoi progresin e b\u00ebr\u00eb n\u00eb lidhje me rekomandimet e l\u00ebna, p\u00ebrmes miratimit t\u00eb ligjit \u201cP\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit\u201d.<\/span><\/p>\n

Ligji p\u00ebr sigurimin e detyruesh\u00ebm n\u00eb sektorin e transportit, tashm\u00eb prej nj\u00eb viti n\u00eb fuqi, ka sjell\u00eb ndryshime t\u00eb r\u00ebnd\u00ebsishme, si n\u00eb aspekt t\u00eb rritjes s\u00eb mas\u00ebs s\u00eb d\u00ebmshp\u00ebrblimit p\u00ebr disa kategori d\u00ebmesh, rritje e cila do t\u00eb jet\u00eb progresive edhe n\u00eb vitet n\u00eb vijim, ashtu edhe sa i p\u00ebrket mir\u00ebp\u00ebrcaktimit t\u00eb afateve dhe procedurave p\u00ebr trajtimin e d\u00ebmeve.<\/span><\/p>\n

Me hyrjen n\u00eb fuqi t\u00eb ligjit, u sh\u00ebnua rritje me 50% e limitit t\u00eb p\u00ebrgjegj\u00ebsis\u00eb p\u00ebr d\u00ebmet ndaj pron\u00ebs (nga 10 n\u00eb 15 milion\u00eb lek\u00eb), u rrit me 33% limiti i p\u00ebrgjegj\u00ebsis\u00eb p\u00ebr autobus\u00ebt dhe kamion\u00ebt, rritje me 10% e limitit t\u00eb p\u00ebrgjegj\u00ebsis\u00eb p\u00ebr \u00e7do person t\u00eb d\u00ebmtuar n\u00eb nj\u00eb ngjarje sigurimi, rritje me 150% e d\u00ebmit pasuror n\u00eb rastet e humbjes s\u00eb jet\u00ebs p\u00ebr t\u00eb miturit.<\/span><\/p>\n

Gjithashtu, nga janari 2022 deri n\u00eb 31 dhjetor 2026, do t\u00eb vijoj\u00eb rritja progresive e parashikuar n\u00eb ligj e kufirit minimal t\u00eb p\u00ebrgjegj\u00ebsis\u00eb p\u00ebr disa kategori d\u00ebmesh.<\/span><\/p>\n

Jan\u00eb adresuar problematikat e v\u00ebrejtura nd\u00ebr vite me Fondin e Kompensimit, ku \u00ebsht\u00eb parashikuar edhe mund\u00ebsia e pages\u00ebs s\u00eb k\u00ebsaj kategorie d\u00ebmesh nga siguruesi i drejtp\u00ebrdrejt\u00eb.<\/span><\/p>\n

Kjo ka dh\u00ebn\u00eb menj\u00ebher\u00eb efekt, pasi q\u00eb nga hyrja n\u00eb fuqi e ligjit vitin e kaluar deri n\u00eb 31.03.2022, rreth 83% e praktikave t\u00eb d\u00ebmeve t\u00eb shkaktuara nga nj\u00eb mjet i pasiguruar, ose i paidentifikuar, jan\u00eb paguar direkt nga shoq\u00ebria e sigurimit.<\/span><\/p>\n

Gjithashtu, Autoriteti n\u00eb zbatim t\u00eb k\u00ebrkesave t\u00eb ligjit, ka miratuar rregulloren q\u00eb kufizon komisionet e nd\u00ebrmjet\u00ebsimit p\u00ebr produktet e sigurimit t\u00eb detyruesh\u00ebm, e cila hyri n\u00eb fuqi n\u00eb fillim t\u00eb k\u00ebtij viti, duke sjell\u00eb ulje t\u00eb ndjeshme t\u00eb komisioneve p\u00ebr nd\u00ebrmjet\u00ebsit, si dhe reduktim t\u00eb shpenzimeve t\u00eb marrjes n\u00eb sigurim nga shoq\u00ebrit\u00eb e sigurimit.<\/span><\/p>\n

Autoriteti i Mbik\u00ebqyrjes Financiare ka aderuar s\u00eb fundmi n\u00eb Memorandumin Shum\u00ebpal\u00ebsh t\u00eb Mir\u00ebkuptimit t\u00eb Shoqat\u00ebs Nd\u00ebrkomb\u00ebtare t\u00eb Mbik\u00ebqyr\u00ebsve t\u00eb Sigurimeve (IAIS), n\u00eb funksion t\u00eb bashk\u00ebpunimit dhe shk\u00ebmbimit t\u00eb informacionit mes mbik\u00ebqyr\u00ebsve n\u00eb tregun e sigurimeve.<\/span><\/p>\n

Kjo \u00ebsht\u00eb realizuar pas nj\u00eb procesi rigoroz t\u00eb verifikimit t\u00eb p\u00ebrputhshm\u00ebris\u00eb s\u00eb baz\u00ebs ligjore dhe rregullatore me standardet nd\u00ebrkomb\u00ebtare t\u00eb IAIS.<\/span><\/p>\n

Gjithashtu, Autoriteti n\u00eb bashk\u00ebpunim me Shoqat\u00ebn Nd\u00ebrkomb\u00ebtare t\u00eb Mbik\u00ebqyr\u00ebsve t\u00eb Sigurimeve po realizon nj\u00eb vler\u00ebsim t\u00eb progresit t\u00eb b\u00ebr\u00eb n\u00eb lidhje me ato q\u00eb cil\u00ebsohen si Parimet Themelore Nd\u00ebrkomb\u00ebtare n\u00eb fush\u00ebn e sigurimeve (Insurance Core Principles \u2013 ICP).<\/span><\/p>\n

Ky proces, ku Autoriteti po asistohet nga ekspert\u00ebt e Bank\u00ebs Bot\u00ebrore, synon t\u00eb sjell\u00eb avancim t\u00eb m\u00ebtejsh\u00ebm t\u00eb praktikave mbik\u00ebqyr\u00ebse dhe rregullative drejt standardeve m\u00eb t\u00eb mira nd\u00ebrkomb\u00ebtare.<\/span><\/p>\n

Sa i p\u00ebrket ecuris\u00eb dhe treguesve financiar\u00eb t\u00eb shoq\u00ebrive, konstatohet se tregu i sigurimeve sh\u00ebnoi rim\u00ebk\u00ebmbje dhe iu rikthye ritmeve t\u00eb rritjes vitin t\u00eb kaluar. Niveli i primeve t\u00eb shkruara bruto n\u00eb fund t\u00eb vitit 2021 u rrit me 16%, krahasuar me vitin 2020, duke arritur n\u00eb rreth 19.3 miliard\u00eb lek\u00eb.<\/span><\/p>\n

Tregu i sigurimeve n\u00eb vitin 2021 ka vijuar rritjen e kapitaleve t\u00eb veta, si dhe ka nj\u00eb rritje me rreth 10% t\u00eb nivelit t\u00eb investimeve, krahasuar me fundin e vitit 2020.<\/span><\/p>\n

Treguesi i mbulimit t\u00eb provigjoneve teknike me aktive t\u00eb p\u00ebrshtatshme p\u00ebr shoq\u00ebrit\u00eb e sigurimit t\u00eb Jo-Jet\u00ebs ka vijuar i q\u00ebndruesh\u00ebm n\u00eb nivelin 130%. P\u00ebr shoq\u00ebrit\u00eb e sigurimit t\u00eb Jet\u00ebs, mbulimi i provigjoneve matematike rezulton n\u00eb nivelin 124%.<\/span><\/p>\n

Treguesit financiar\u00eb t\u00eb tregut t\u00eb sigurimeve jan\u00eb ndikuar pozitivisht edhe nga kapitalizimi i fitimit t\u00eb vitit 2020, n\u00eb zbatim t\u00eb Vendimit t\u00eb Bordit nr. 68, dat\u00eb 28.04.2021 \u201cP\u00ebr pezullimin e shp\u00ebrndarjes s\u00eb dividendit\u201d. K\u00ebto masa ndikuan n\u00eb ruajtjen e nivelit t\u00eb likuiditetit n\u00eb sistem dhe t\u00eb treguesve financiar\u00eb, atij t\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit dhe aktiveve n\u00eb mbulim t\u00eb provigjoneve teknike.<\/span><\/p>\n

P\u00ebr sa u p\u00ebrket d\u00ebmeve t\u00eb paguara, konstatohet se n\u00eb vitin 2021 d\u00ebmet e paguara p\u00ebr sigurime vullnetare z\u00ebn\u00eb 46.5% t\u00eb totalit dhe ato p\u00ebr sigurime t\u00eb detyrueshme z\u00ebn\u00eb 53.5% t\u00eb totalit t\u00eb d\u00ebmeve t\u00eb paguara.<\/span><\/p>\n

P\u00ebr sa u p\u00ebrket d\u00ebmeve t\u00eb paguara n\u00eb vitin 2021 p\u00ebr sigurime t\u00eb detyrueshme, rezulton nj\u00eb rritje me 19.5% krahasuar me T4\/2020, p\u00ebr shkak t\u00eb rritjes s\u00eb d\u00ebmeve t\u00eb ndodhura n\u00eb vitin 2021 si pasoj\u00eb e leht\u00ebsimit t\u00eb masave kufizuese t\u00eb pandemis\u00eb Covid-19. N\u00ebse krahasimin e b\u00ebjm\u00eb me T4\/2019, kjo rritje rezulton t\u00eb jet\u00eb 13.7%.<\/span><\/p>\n

Fondi i Kompensimit p\u00ebr vitin 2021, n\u00eb mbyllje t\u00eb vitit financiar rezultoi me nj\u00eb realizim n\u00eb mas\u00ebn rreth 104% t\u00eb detyrimit t\u00eb fondit p\u00ebr vitin 2021.<\/span><\/p>\n

Referuar t\u00eb dh\u00ebnave t\u00eb depozituara nga BSHS, gjat\u00eb periudh\u00ebs janar-dhjetor 2021, vlera e paguar p\u00ebr Fondin e Kompensimit t\u00eb vitit 2021 \u00ebsht\u00eb rreth 269 milion\u00eb lek\u00eb.<\/span><\/p>\n

Dixhitalizimi dhe p\u00ebrmir\u00ebsimi i m\u00ebtejsh\u00ebm i sistemeve t\u00eb teknologjis\u00eb s\u00eb informacionit ka vijuar edhe n\u00eb vitin 2021. AMF finalizoi integrimin e plot\u00eb t\u00eb sh\u00ebrbimeve q\u00eb lidhen me sigurimin e detyruesh\u00ebm motorik, duke leht\u00ebsuar procedurat p\u00ebr qytetar\u00ebt p\u00ebr t\u2019u pajisur me informacionet apo v\u00ebrtetimet e nevojshme n\u00eb koh\u00eb reale p\u00ebrmes e-Albania.<\/span><\/p>\n

Autoriteti realizoi n\u00eb vitin 2021 nj\u00eb p\u00ebrdit\u00ebsim t\u00eb sistemit t\u00eb raportimit n\u00eb tregun e sigurimeve, AMF In-Reg, q\u00eb mund\u00ebson rritjen e parametrave t\u00eb siguris\u00eb, p\u00ebrdit\u00ebsim t\u00eb sistemit, si edhe ofrimin e funksioneve t\u00eb reja.<\/span><\/p>\n

N\u00eb gjykimin tuaj, si po ndryshon biznesi i sigurimeve n\u00eb situat\u00ebn post-pandemike dhe cilat jan\u00eb rreziqet kryesore q\u00eb v\u00ebreni n\u00eb k\u00ebt\u00eb treg?<\/strong><\/span><\/p>\n

Dixhitalizimi vler\u00ebsohet si nj\u00eb nga nevojat kryesore p\u00ebr tregun e sigurimeve dhe n\u00eb k\u00ebt\u00eb drejtim, edhe Autoriteti po mban nj\u00eb dialog vijues me shoq\u00ebrit\u00eb e sigurimit p\u00ebr avancime n\u00eb k\u00ebt\u00eb drejtim.<\/span><\/p>\n

Ndryshe nga tregjet e tjera financiare, p\u00ebrballja e tregut t\u00eb sigurimeve, nuk ishte vet\u00ebm me efektet e pandemis\u00eb, por edhe me fatur\u00ebn financiare t\u00eb d\u00ebmeve t\u00eb shkaktuara nga t\u00ebrmetet e vitit 2019. P\u00ebrgjith\u00ebsisht, tregu i sigurimeve u rezistoi efekteve t\u00eb pandemis\u00eb dhe e menaxhoi mir\u00eb procesin e trajtimit dhe pages\u00ebs s\u00eb d\u00ebmeve t\u00eb dy ngjarjeve t\u00eb t\u00ebrmetit.<\/span><\/p>\n

Nisur nga zhvillimet gjeopolitike dhe efektet n\u00eb tregjet financiare, autoritetet rregullatore n\u00eb Europ\u00eb, si dhe vendet e rajonit po b\u00ebjn\u00eb vler\u00ebsimet p\u00ebrkat\u00ebse n\u00eb lidhje me ndryshimet e matric\u00ebs s\u00eb rrezikut, si edhe sa i p\u00ebrket ndikimit q\u00eb mund t\u00eb ken\u00eb k\u00ebto zhvillime edhe n\u00eb industrin\u00eb e tregut t\u00eb sigurimeve.<\/span><\/p>\n

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

Autoriteti i Mbik\u00ebqyrjes Financiare e vler\u00ebson pozitivisht ecurin\u00eb e tregut t\u00eb sigurimeve vitin e kaluar. N\u00eb nj\u00eb prononcim p\u00ebr \u201cMonitor\u201d, institucioni vler\u00ebson se n\u00eb vazhdim, digjitalizimi \u00ebsht\u00eb nj\u00eb nga nevojat kryesore p\u00ebr tregun e sigurimeve. Sipas AMF, nisur nga zhvillimet gjeopolitike t\u00eb k\u00ebtij viti dhe efektet n\u00eb tregjet financiare, autoritetet rregullatore po b\u00ebjn\u00eb vler\u00ebsimet p\u00ebrkat\u00ebse […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":546427,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-546426","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\/546426","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\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=546426"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/546426\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/546427"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=546426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=546426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=546426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}