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Fondi Monetar Nd\u00ebrkomb\u00ebtar (FMN) i rekomandon Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb aplikimin e disa k\u00ebrkesave shtes\u00eb t\u00eb administrimit t\u00eb rrezikut, me q\u00ebllim frenimin e rritjes s\u00eb shpejt\u00eb t\u00eb kredive p\u00ebr pasuri t\u00eb paluajtshme.<\/span><\/p>\n N\u00eb nj\u00eb intervist\u00eb p\u00ebr \u201cMonitor\u201d, FMN sugjeron q\u00eb Banka Qendrore t\u00eb vendos\u00eb disa nivele maksimale t\u00eb lejuara p\u00ebr raportin mes kredis\u00eb dhe vler\u00ebs s\u00eb pron\u00ebs q\u00eb financohet, si edhe t\u00eb nj\u00eb raporti t\u00eb sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave t\u00eb huamarr\u00ebsve (DTI). FMN sugjeron se duke pasur parasysh p\u00ebrqindjen e lart\u00eb t\u00eb kredive n\u00eb valut\u00eb t\u00eb pambrojtura, k\u00ebrkesa t\u00eb tilla mund t\u00eb diferencohen midis kredive n\u00eb Lek dhe atyre n\u00eb valut\u00eb.<\/span><\/p>\n \u201cSektori bankar \u00ebsht\u00eb i mir\u00ebkapitalizuar dhe likuid n\u00eb p\u00ebrgjith\u00ebsi, me raportet prudenciale q\u00eb jan\u00eb duksh\u00ebm mbi k\u00ebrkesat rregullatore. Nd\u00ebrkoh\u00eb q\u00eb rreziqet sistemike n\u00eb sistemin financiar t\u00eb Shqip\u00ebris\u00eb mbeten kryesisht t\u00eb kontrolluara, rritja e ndjeshme e kredive hipotekore dhe rritja e vazhdueshme e \u00e7mimeve n\u00eb sektorin e pasurive t\u00eb paluajtshme k\u00ebrkojn\u00eb mbik\u00ebqyrje t\u00eb kujdesshme\u201d, tha Anke Weber, shefja e misionit t\u00eb FMN-s\u00eb p\u00ebr Shqip\u00ebrin\u00eb,<\/span><\/p>\n FMN ka shprehur disa her\u00eb shqet\u00ebsim vitin e kaluar lidhur me rritjen e shpejt\u00eb t\u00eb kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme.<\/span><\/p>\n N\u00eb fund t\u00eb muajit tetor 2024, portofoli i kredis\u00eb p\u00ebr blerjen e pasurive t\u00eb paluajtshme nga individ\u00ebt ishte n\u00eb rritje vjetore me 13.4%, nd\u00ebrsa kredia p\u00ebr pasuri t\u00eb paluajtshme p\u00ebr bizneset ishte n\u00eb rritje vjetore me 20.3%. N\u00eb munges\u00eb t\u00eb zhvler\u00ebsimit t\u00eb euros n\u00eb kursin e k\u00ebmbimit me lekun, rritja do t\u00eb kishte qen\u00eb edhe m\u00eb e lart\u00eb.<\/span><\/p>\n N\u00eb kuadrin aktual rregullator p\u00ebr administrimin e rrezikut p\u00ebr bankat nuk parashikohen kufizime sasiore t\u00eb k\u00ebtij lloji. P\u00ebrqindja e financimit t\u00eb pron\u00ebs q\u00eb blihet ose raporti mes k\u00ebsteve t\u00eb kredis\u00eb dhe t\u00eb ardhurat varen nga politikat e brendshme t\u00eb administrimit t\u00eb rrezikut q\u00eb aplikon secila bank\u00eb.<\/span><\/p>\n N\u00eb tetor t\u00eb k\u00ebtij viti, Banka e Shqip\u00ebris\u00eb miratoi disa ndryshime n\u00eb rregulloren \u201cP\u00ebr administrimin e rrezikut n\u00eb veprimtarin\u00eb e subjekteve financiare jobanka\u201d. Mes t\u00eb tjerash, rregullorja vendos p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb vler\u00eb tavan t\u00eb k\u00ebsteve t\u00eb kredis\u00eb n\u00eb raport me t\u00eb ardhurat mujore neto t\u00eb huamarr\u00ebsve. Raporti i sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave do t\u00eb llogaritet si vlera e totalit t\u00eb k\u00ebsteve mujore t\u00eb kredive ekzistuese, duke p\u00ebrfshir\u00eb edhe kredin\u00eb p\u00ebr t\u00eb cil\u00ebn po aplikohet, t\u00eb pjes\u00ebtuar me t\u00eb ardhurat neto t\u00eb t\u00eb gjith\u00eb bashk\u00ebkredimarr\u00ebsve.<\/span><\/p>\n Megjithat\u00eb, kjo k\u00ebrkes\u00eb \u00ebsht\u00eb e vlefshme vet\u00ebm p\u00ebr kredin\u00eb e dh\u00ebn\u00eb nga institucionet financiare jobanka, nd\u00ebrsa nuk ekzistojn\u00eb kufizime rregullatore p\u00ebr kredin\u00eb, qoft\u00eb konsumaatore apo hipotekare, t\u00eb dh\u00ebn\u00eb nga bankat tregtare.<\/span><\/p>\n Por, tashm\u00eb FMN, rekomandon vendosjen e tavaneve t\u00eb detyrueshme rregullatore t\u00eb tdisa treguesve baz\u00eb t\u00eb administrimit t\u00eb rrezikut, si nj\u00eb m\u00ebnyr\u00eb m\u00eb e drejtp\u00ebrdrejt\u00eb p\u00ebr t\u00eb frenuar rritjen e kredis\u00eb p\u00ebr pasuri t\u00eb paluajtshme.<\/span><\/p>\n N\u00eb muajin qershor t\u00eb vitit 2024, edhe me rekomandimin e FMN-s\u00eb, Banka e Shqip\u00ebris\u00eb vendosi t\u00eb aplikoj\u00eb p\u00ebr her\u00eb t\u00eb par\u00eb nj\u00eb shtes\u00eb kund\u00ebrciklike n\u00eb raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit t\u00eb sektorit bankar. Shtesa kund\u00ebrciklike ka si q\u00ebllim ngadal\u00ebsimin e ritmeve t\u00eb kreditimit nga sektori bankar, n\u00eb rastet kur rregullatori gjykon se huadh\u00ebnia po rritet me ritme tep\u00ebr t\u00eb shpejta, duke krijiuar rreziqe t\u00eb shtuara p\u00ebr stabilitetin e sektorit.<\/span><\/p>\n Sipas vendimit t\u00eb Guvernatorit, Gent Sejko, norma e shtes\u00ebs kund\u00ebrciklike t\u00eb kapitalit (KUNC) p\u00ebr Shqip\u00ebrin\u00eb do t\u00eb jet\u00eb 0.25 pik\u00eb p\u00ebr qind dhe t\u00eb gjitha bankat tregtare n\u00eb Shqip\u00ebri duhet ta plot\u00ebsojn\u00eb k\u00ebt\u00eb shtes\u00eb pas nj\u00eb viti, duke filluar nga data 30 qershor 2025.\/E.Shehu<\/span><\/p>\n