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Ankesat nga konsumator\u00ebt p\u00ebr bankat dhe firmat e tjera financiare n\u00eb Gjermani u rrit\u00ebn me nj\u00eb t\u00eb pest\u00ebn vitin e kaluar, tregojn\u00eb t\u00eb dh\u00ebnat zyrtare, teksa rregullator\u00ebt po p\u00ebrpiqen t\u00eb forcojn\u00eb besimin n\u00eb sektor.<\/span><\/p>\n BaFin, mbik\u00ebqyr\u00ebsi financiar i Gjermanis\u00eb, ka rritur fokusin e saj n\u00eb mbrojtjen e konsumatorit pas rr\u00ebnimit t\u00eb Wirecard, kompania e pagesave q\u00eb u p\u00ebrfshi n\u00eb nj\u00eb skandal kontab\u00ebl.<\/span><\/p>\n Ajo mori 15,000 ankesa nga konsumator\u00ebt n\u00eb ekonomin\u00eb m\u00eb t\u00eb madhe t\u00eb Evrop\u00ebs p\u00ebr bankat e tyre dhe ofruesit e tjer\u00eb t\u00eb sh\u00ebrbimeve financiare vitin e kaluar, nga 12,500 n\u00eb 2021 dhe p\u00ebr t\u00eb kat\u00ebrtin vit radhazi me rritje t\u00eb mprehta.<\/span><\/p>\n Sipas zyrtar\u00ebve, bankier\u00ebve dhe avokat\u00ebve t\u00eb mbrojtjes s\u00eb konsumatorit, grindjet p\u00ebrfshijn\u00eb koh\u00eb t\u00eb gjata p\u00ebrpunimi p\u00ebr mbylljet e llogarive, ndryshimet n\u00eb termat dhe kushtet dhe tkurrjen e rrjeteve t\u00eb deg\u00ebve.<\/span><\/p>\n Shifrat, t\u00eb raportuara nga Reuters p\u00ebr her\u00eb t\u00eb par\u00eb, do b\u00ebhen publike n\u00eb nj\u00eb raport vjetor n\u00eb maj.<\/span><\/p>\n “Nuk mund t\u00eb ndodh\u00eb\u00a0 asnj\u00ebher\u00eb q\u00eb institucionet financiare t\u00eb ecin mire nd\u00ebrkoh\u00eb q\u00eb i trajtojn\u00eb keq klient\u00ebt e tyre,”<\/em> tha n\u00eb nj\u00eb intervist\u00eb Chan-Jae Yoo, nj\u00eb zyrtar i BaFin.<\/span><\/p>\n Deutsche Kreditwirtschaft, nj\u00eb organizat\u00eb ombrell\u00eb q\u00eb lobon p\u00ebr financat gjermane, tha se bankat gjermane jan\u00eb \u2018jasht\u00ebzakonisht t\u00eb q\u00ebndrueshme dhe t\u00eb fuqishme\u2019 dhe besimi mbetet \u2018i lart\u00eb dhe i pandikuar\u2019 nga trazirat e fundit q\u00eb rrjedhin nga kolapsi i tre bankave n\u00eb SHBA e Zvic\u00ebr.<\/span><\/p>\n Por nj\u00eb sondazh i vitit t\u00eb kaluar nga YouGov tregoi se shkalla e besimit n\u00eb sektorin financiar t\u00eb Gjermanis\u00eb, thelb\u00ebsore p\u00ebr nxitjen e stabilitetit financiar m\u00eb t\u00eb gjer\u00eb dhe t\u00ebrheqjen e kapitalit p\u00ebr t\u00eb mb\u00ebshtetur rritjen ekonomike, ishte n\u00ebn mesataren globale, duke mbetur prapa si vendeve Kanadaja, Australia dhe tregjet kryesore aziatike.<\/span><\/p>\n Besimi global<\/strong><\/p>\n Niels Nauhauser, nj\u00eb avokat i konsumatorit n\u00eb shtetin jugper\u00ebndimor t\u00eb Baden-Wurttemberg, ka kaluar dy dekada duke luftuar p\u00ebr t\u00eb drejtat e konsumator\u00ebve.<\/span><\/p>\n “Thjesht fakti q\u00eb konsumator\u00ebt po na pyesin gjithnj\u00eb e m\u00eb shum\u00eb dhe po k\u00ebrkojn\u00eb k\u00ebshill\u00ebn ton\u00eb \u00ebsht\u00eb nj\u00eb prov\u00eb e mjaftueshme se ata nuk u besojn\u00eb plot\u00ebsisht institucioneve financiare,”<\/em> tha ai.<\/span><\/p>\n Nj\u00eb studim i k\u00ebtij viti nga EY zbuloi se 25% e t\u00eb anketuarve n\u00eb Gjermani u besojn\u00eb firmave financiare, 31% nuk u besojn\u00eb dhe 44% jan\u00eb t\u00eb pavendosur.<\/span><\/p>\n “Ashtu si n\u00eb \u00e7do industri q\u00eb ofron sh\u00ebrbime n\u00eb biznesin me shumic\u00eb, ka raste n\u00eb t\u00eb cilat ka dallime mendimesh midis klientit dhe bank\u00ebs,”<\/em> tha Deutsche Kreditwirtschaft, duke treguar shifrat e veta q\u00eb treguan nj\u00eb r\u00ebnie t\u00eb ankesave t\u00eb konsumator\u00ebve vitin e kaluar, ndryshe nga t\u00eb dh\u00ebnat e BaFin.<\/span><\/p>\n Mbrojtjet dhe t\u00eb drejtat p\u00ebr klient\u00ebt e institucioneve financiare jan\u00eb v\u00ebn\u00eb n\u00ebn kontroll t\u00eb shtuar nga rregullator\u00ebt dhe gjykatat gjermane.<\/span><\/p>\n BaFin, i cili \u00ebsht\u00eb rishikuar me udh\u00ebheqjen e re pasi u faj\u00ebsua gjer\u00ebsisht p\u00ebr moszbulimin e mashtrimit n\u00eb Wirecard, vitin e kaluar goditi koh\u00ebzgjatjen e dh\u00ebn\u00eb nd\u00ebrmjet\u00ebsuesve p\u00ebr t\u00eb p\u00ebrpunuar k\u00ebrkesat p\u00ebr transferimin e llogaris\u00eb.<\/span><\/p>\n Procesi javor p\u00ebr t\u00eb zhvendosur nj\u00eb llogari te nj\u00eb nd\u00ebrmjet\u00ebs i ri shpesh do ta linte klientin n\u00eb harres\u00eb dhe n\u00eb m\u00ebshir\u00ebn e \u00e7do luhatjeje n\u00eb tregje.<\/span><\/p>\n Nj\u00eb vendim ky\u00e7 i Gjykat\u00ebs s\u00eb Lart\u00eb t\u00eb Gjermanis\u00eb n\u00eb vitin 2021 e b\u00ebri gjithashtu m\u00eb t\u00eb v\u00ebshtir\u00eb p\u00ebr bankat ndryshimin e afateve dhe kushteve t\u00eb tyre, duke p\u00ebrmbysur nj\u00eb praktik\u00eb q\u00eb kishte lejuar p\u00ebr dekada bankat t\u00eb rrisnin tarifat pa p\u00eblqimin e qart\u00eb t\u00eb mbajt\u00ebsve t\u00eb llogarive.<\/span><\/p>\n Bankier\u00ebt thon\u00eb se vendimi ka shtuar kostot dhe burokracin\u00eb.<\/span><\/p>\n N\u00eb Shtutgart, m\u00eb i famsh\u00ebm p\u00ebr industrin\u00eb e tij t\u00eb makinave sesa financat, Nauhauser ka fituar k\u00ebt\u00eb vit koncesione nga divizionet e Deutsche Bank dhe Commerzbank.<\/span><\/p>\n Objektivi i tij i radh\u00ebs \u00ebsht\u00eb Allianz, pasi ka paditur siguruesin p\u00ebr ndryshimet n\u00eb pagesat e policave t\u00eb sigurimit t\u00eb jet\u00ebs q\u00eb ai thot\u00eb se nuk jan\u00eb transparente. Nj\u00eb seanc\u00eb \u00ebsht\u00eb caktuar n\u00eb nj\u00eb gjykat\u00eb t\u00eb Shtutgartit k\u00ebt\u00eb muaj. Allianz tha se \u2018i q\u00ebndron t\u00eb gjitha angazhimeve dhe garancive kontraktuale\u2019.<\/span><\/p>\n Nd\u00ebrkoh\u00eb, Nauhauser premtoi se do mbaj\u00eb presionin ndaj firmave financiare, t\u00eb m\u00ebdha dhe t\u00eb vogla.<\/span><\/p>\n “Ne duam q\u00eb sh\u00ebrbimet t\u00eb vendosin veten n\u00eb treg\u00a0 duke plot\u00ebsuar nevojat e konsumatorit, jo t\u00eb ushqejn\u00eb industrin\u00eb financiare,”<\/em> tha ai.<\/span><\/p>\n![\"\"](\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2023\/04\/banka2.png\")
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