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Banka e Shqip\u00ebris\u00eb miratoi n\u00eb mbledhjen e dit\u00ebs s\u00eb m\u00ebrkur\u00eb disa ndryshime n\u00eb rregulloren \u201cP\u00ebr administrimin e rrezikut n\u00eb veprimtarin\u00eb e subjekteve financiare jobanka\u201d, q\u00eb pritet t\u00eb sjellin nj\u00eb shtr\u00ebngim t\u00eb ndjesh\u00ebm n\u00eb praktikat e huadh\u00ebnies s\u00eb institucioneve t\u00eb mikrofinanc\u00ebs. <\/span><\/p>\n Projektrregullorja u ishte d\u00ebrguar p\u00ebr konsultim pal\u00ebve t\u00eb interesit vet\u00ebm n\u00eb gjysm\u00ebn e dyt\u00eb t\u00eb muajit t\u00eb kaluar, nd\u00ebrsa me nj\u00eb proces t\u00eb p\u00ebrshpejtuar dhe jo t\u00eb zakonsh\u00ebm n\u00eb vendimmarrjen e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, ndryshimet u miratuan n\u00eb mbledhjen e dat\u00ebs 2 tetor.<\/span><\/p>\n Sipas njoftimit zyrtar, k\u00ebto ndryshime erdh\u00ebn n\u00eb kuad\u00ebr t\u00eb paket\u00ebs s\u00eb ndryshimeve rregullative p\u00ebr mbrojtjen e konsumator\u00ebve, si reagim i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb ndaj disa \u00e7\u00ebshtjeve t\u00eb hasura n\u00eb tregun ku k\u00ebto institucione operojn\u00eb.<\/span><\/p>\n Banka e Shqip\u00ebris\u00eb shprehet se ndryshimet e rregullores p\u00ebrcaktojn\u00eb parime t\u00eb p\u00ebrgjithshme n\u00eb procesin e kryerjes s\u00eb analiz\u00ebs financiare ndaj kredimarr\u00ebsve konsumator\u00eb, ku theks i ve\u00e7ant\u00eb vendoset n\u00eb vler\u00ebsimin e q\u00ebndrueshm\u00ebris\u00eb s\u00eb t\u00eb ardhurave dhe kapacitetit pagues t\u00eb kredimarr\u00ebsit, si dhe synohet parandalimi i praktikave t\u00eb kredidh\u00ebnies s\u00eb pap\u00ebrgjegjshme p\u00ebr t\u00eb shmangur v\u00ebshtir\u00ebsit\u00eb e panevojshme financiare dhe situatat e mbiborxhit p\u00ebr konsumator\u00ebt.<\/span><\/p>\n Ndryshimet parashikojn\u00eb p\u00ebrfshirjen e disa k\u00ebrkesave t\u00eb shtuara p\u00ebr vler\u00ebsimin e aft\u00ebsis\u00eb paguese t\u00eb kredimarr\u00ebsve n\u00eb kontratat e kredive konsumatore p\u00ebr subjektet financiare jobanka n\u00eb veprimtarin\u00eb e kredidh\u00ebnies dhe p\u00ebr institucionet financiare t\u00eb mikrokredis\u00eb, p\u00ebrfshir\u00eb edhe detyrimin p\u00ebr subjektet q\u00eb p\u00ebrpara dh\u00ebnies s\u00eb nj\u00eb kredie dhe gjat\u00eb gjith\u00eb koh\u00ebzgjatjes s\u00eb saj t\u00eb kryejn\u00eb vler\u00ebsimin e aft\u00ebsis\u00eb paguese t\u00eb konsumator\u00ebve, bazuar n\u00eb t\u00eb dh\u00ebna dhe informacione t\u00eb mjaftueshme, t\u00eb sakta dhe t\u00eb p\u00ebrdit\u00ebsuara, t\u00eb cilat duhet t\u00eb verifikohen n\u00eb m\u00ebnyr\u00eb t\u00eb arsyeshme nga subjekti. <\/span><\/p>\n Gjithashtu pjes\u00eb e ndryshimeve \u00ebsht\u00eb edhe shtimi i nj\u00eb k\u00ebrkese p\u00ebr subjektet financiare jobanka q\u00eb blejn\u00eb kredi me probleme, t\u00eb cilat n\u00eb momentin e klasifikimit t\u00eb portofolit t\u00eb k\u00ebtyre kredive nuk mund t\u2019i klasifikojn\u00eb si kredi jo me probleme, n\u00ebse shlyerja e k\u00ebsteve t\u00eb kredive t\u00eb blera b\u00ebhet n\u00ebp\u00ebrmjet nj\u00eb kredie. K\u00ebto ndryshime hyjn\u00eb n\u00eb fuqi m\u00eb 1 janar 2025.<\/span><\/p>\n DSTI maksimal rritet nga 40% n\u00eb 60%<\/strong><\/span><\/p>\n Varianti i miratuar i rregullores s\u00eb re nuk \u00ebsht\u00eb publikuar ende, megjithat\u00eb, sipas burimeve t\u00eb \u201cMonitor\u201d, Banka e Shqip\u00ebris\u00eb ka pranuar t\u00eb reflektoj\u00eb disa komente t\u00eb argumentuara nga institucionet financiare.<\/span><\/p>\n Ndryshimi m\u00eb i r\u00ebnd\u00ebsish\u00ebm n\u00eb raport me variantin fillestar, t\u00eb hedhur p\u00ebr konsultim, \u00ebsht\u00eb se raporti i sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave (DSTI) do t\u00eb ket\u00eb nj\u00eb nivel tavan t\u00eb lejuar prej 60%, nga 40% q\u00eb ishte n\u00eb variantin e hedhur p\u00ebr konsultim.<\/span><\/p>\n Mb\u00ebshtetur n\u00eb parashikimet e rregullores, nj\u00eb institucion financiar jobank\u00eb nuk do t\u00eb lejohet t\u00eb jap\u00eb n\u00eb t\u00eb nj\u00ebjt\u00ebn koh\u00eb m\u00eb shum\u00eb se dy kredi konsumatore p\u00ebr t\u00eb nj\u00ebjtin huamarr\u00ebs.<\/span><\/p>\n Institucioni financiar, n\u00eb llogaritjen e t\u00eb ardhurave p\u00ebr q\u00ebllime t\u00eb vler\u00ebsimit t\u00eb aft\u00ebsis\u00eb paguese t\u00eb konsumatorit, merr n\u00eb konsiderat\u00eb t\u00eb ardhurat e tij bazuar n\u00eb t\u00eb dh\u00ebnat e t\u00eb pakt\u00ebn 6 muajve t\u00eb fundit p\u00ebrpara momentit t\u00eb kryerjes s\u00eb analiz\u00ebs financiare. N\u00eb rastin e t\u00eb ardhurave t\u00eb pritshme, rritja n\u00eb t\u00eb ardhura do t\u00eb konsiderohet vet\u00ebm kur ekzistojn\u00eb evidenca t\u00eb shkruara.<\/span><\/p>\n Rregullorja parashikon gjithashtu edhe k\u00ebrkesa m\u00eb t\u00eb detajuara dhe rigoroze t\u00eb administrimit t\u00eb rrezikut mbi huadh\u00ebnien konsumatore.<\/span><\/p>\n Institucioni financiar, p\u00ebrpara se t\u00eb lidh\u00eb nj\u00eb kontrat\u00eb kredie dhe gjat\u00eb procesit t\u00eb monitorimit t\u00eb kredis\u00eb n\u00eb koh\u00ebzgjatjen e saj, duhet t\u00eb vler\u00ebsoj\u00eb aft\u00ebsin\u00eb paguese dhe profilin e rrezikut t\u00eb kredimarr\u00ebsit, bazuar n\u00eb t\u00eb dh\u00ebna t\u00eb mjaftueshme, t\u00eb sakta dhe t\u00eb p\u00ebrdit\u00ebsuara.<\/span><\/p>\n K\u00ebrkesat e reja, q\u00eb parashikojn\u00eb vler\u00ebsimin e detajuar t\u00eb af\u00ebtsis\u00eb paguese pritet ta v\u00ebshtir\u00ebsojn\u00eb shum\u00eb dh\u00ebnien e kredive vet\u00ebm me nj\u00eb dokument identiteti brenda afateve kohore shum\u00eb t\u00eb shpejta (n\u00eb harkun e pak minutave), praktik\u00eb q\u00eb ndiqet gjer\u00ebsisht nga disa institucione t\u00eb mikrofinanc\u00ebs konsumatore.<\/span><\/p>\n Kufizime t\u00eb tjera eksplicite t\u00eb parashikuara n\u00eb rregullore jan\u00eb q\u00eb institucionet financiare jobanka nuk mund t\u00eb lidhin lidh kontrata t\u00eb kredis\u00eb konsumatore me persona n\u00ebn mosh\u00ebn 18 vje\u00e7; nuk mund t\u00eb lidhin kontrata t\u00eb kredis\u00eb konsumatore me persona t\u00eb cil\u00ebsuar me aft\u00ebsi t\u00eb kufizuara, ose me persona t\u00eb cil\u00ebt marrin vendime n\u00ebn asistenc\u00ebn e nj\u00eb personi tjet\u00ebr, kufizime t\u00eb cilat ndikojn\u00eb n\u00eb mosshlyerjen e detyrimit t\u00eb kredis\u00eb; nuk mund t\u00eb lidhin kontrata t\u00eb kredis\u00eb konsumatore gjat\u00eb fash\u00ebs orare 22:00 deri n\u00eb 07:00; nuk mund t\u00eb lidhin kontrata t\u00eb kredis\u00eb konsumatore me persona t\u00eb cil\u00ebt rezultojn\u00eb n\u00eb regjistrat e krijuar nga subjektet p\u00ebr personat q\u00eb nuk lejohen t\u00eb lidhin nj\u00eb kontrat\u00eb kredie.<\/span><\/p>\n