{"id":729556,"date":"2025-03-11T23:27:58","date_gmt":"2025-03-11T22:27:58","guid":{"rendered":"https:\/\/www.hashtag.al\/?p=729556"},"modified":"2025-03-11T23:27:58","modified_gmt":"2025-03-11T22:27:58","slug":"shqiptaret-braktisin-euron-bie-euroizimi-i-kredise-per-te-dytin-vit-radhazi","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2025\/03\/11\/shqiptaret-braktisin-euron-bie-euroizimi-i-kredise-per-te-dytin-vit-radhazi\/","title":{"rendered":"Shqiptar\u00ebt \u201cbraktisin\u201d euron, bie euroizimi i kredis\u00eb p\u00ebr t\u00eb dytin vit radhazi","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"

<\/span><\/p>\n

Sipas shifrave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb vitit 2024 kredia n\u00eb valut\u00eb t\u00eb huaj p\u00ebrb\u00ebnte 45.3% t\u00eb portofolit total t\u00eb sektorit bankar. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, pesha e kredis\u00eb n\u00eb valut\u00eb t\u00eb huaj ka r\u00ebn\u00eb me pothuajse dy pik\u00eb p\u00ebrqindje. <\/span><\/p>\n

Gjat\u00eb k\u00ebsaj periudhe, kredit\u00eb n\u00eb valut\u00eb sh\u00ebnuan rritje, por rritja n\u00eb tepric\u00ebn e p\u00ebrgjithshme t\u00eb kredis\u00eb ishte disi m\u00eb e lart\u00eb si pasoj\u00eb e rritjes m\u00eb t\u00eb shpejt\u00eb t\u00eb kredis\u00eb n\u00eb lek. Treguesi i kredive n\u00eb valut\u00eb n\u00eb raport me totalin e kredive ka sh\u00ebnuar r\u00ebnie p\u00ebr n\u00ebnt\u00eb nga 11 banka t\u00eb sektorit. Krahasuar me fundin e dhjetorit 2016, ky tregues \u00ebsht\u00eb ulur p\u00ebr 10 nga 11 bankat e sistemit. <\/span><\/p>\n

Nga ana tjet\u00ebr, teprica e kredive n\u00eb valut\u00eb t\u00eb pambrojtura nga kursi i k\u00ebmbimit (ku kredit\u00eb n\u00eb euro z\u00ebn\u00eb rreth 93% ka sh\u00ebnuar r\u00ebnie t\u00eb m\u00ebtejshme t\u00eb pesh\u00ebs s\u00eb saj ndaj totalit t\u00eb kredive n\u00eb valut\u00eb. N\u00eb fund t\u00eb dhjetorit 2024, k\u00ebto kredi sh\u00ebnuan 22.83% t\u00eb kredive n\u00eb valut\u00eb, ose 10.7% t\u00eb totalit t\u00eb kredis\u00eb. <\/span><\/p>\n

N\u00eb terma absolut\u00eb v\u00ebrehet nj\u00eb r\u00ebnie me 5.95% dhe 11% e kredive t\u00eb pambrojtura ndaj kursit t\u00eb k\u00ebmbimit krahasuar p\u00ebrkat\u00ebsisht me fundin e gjasht\u00ebmujorit t\u00eb m\u00ebparsh\u00ebm dhe me nj\u00eb vit m\u00eb par\u00eb. Kjo r\u00ebnie e ndjeshme dhe e shpejt\u00eb, reflekton gjithashtu disa ndryshime strukturore n\u00eb klasifikim nga nj\u00eb num\u00ebr i vog\u00ebl bankash. <\/span><\/p>\n

Kredit\u00eb e ekspozuara ndaj rrezikut t\u00eb kursit t\u00eb k\u00ebmbimit, dometh\u00ebn\u00eb rastet kur t\u00eb ardhurat e subjektit huamarr\u00ebs jan\u00eb n\u00eb monedh\u00eb t\u00eb ndryshme nga monedha e dh\u00ebnies s\u00eb kredis\u00eb, jan\u00eb ato me profilin m\u00eb t\u00eb lart\u00eb t\u00eb rrezikut. P\u00ebr k\u00ebt\u00eb arsye, ky tregues mbart nj\u00eb r\u00ebnd\u00ebsi t\u00eb ve\u00e7ant\u00eb n\u00eb monitorimin e masave t\u00eb uljes s\u00eb euroizimit. <\/span><\/p>\n

N\u00eb fund t\u00eb vitit 2024 treguesi q\u00eb mat pesh\u00ebn e depozitave n\u00eb valut\u00eb ndaj totalit t\u00eb depozitave sh\u00ebnoi nivelin 52.1%. Niveli i raportit p\u00ebsoi r\u00ebnie t\u00eb leht\u00eb me 1.2 pik\u00eb p\u00ebrqindje krahasuar me gjasht\u00ebmujorin e kaluar dhe u ul me 2.2 pik\u00eb p\u00ebrqindje krahasuar me nj\u00eb vit m\u00eb par\u00eb. P\u00ebr k\u00ebt\u00eb raport, N\u00eb terma vjetor\u00eb, \u00ebsht\u00eb sh\u00ebnuar rritje e depozitave totale n\u00eb nivelin 2.1% dhe r\u00ebnie p\u00ebr depozitat n\u00eb valut\u00eb n\u00eb nivelin 2%. <\/span><\/p>\n

Sipas Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, niveli aktual i depozitave n\u00eb valut\u00eb ndaj totalit t\u00eb depozitave mbetet mbi pragun e synuar prej 30%, por tendenca e p\u00ebrgjithshme tregon nj\u00eb ngadal\u00ebsim t\u00eb p\u00ebrdorimit t\u00eb valut\u00ebs n\u00eb kursime. <\/span><\/p>\n

Rezulton se 9 nga 11 bankat q\u00eb operojn\u00eb n\u00eb sistemin bankar regjistrojn\u00eb nj\u00eb vler\u00eb t\u00eb k\u00ebtij treguesi mbi 50%, e cila potencialisht i b\u00ebn ato subjekt t\u00eb norm\u00ebs s\u00eb rezerv\u00ebs s\u00eb detyrueshme prej 20%. <\/span><\/p>\n

N\u00eb analiz\u00ebn periodike t\u00eb ecuris\u00eb s\u00eb treguesve q\u00eb jan\u00eb objekt i strategjis\u00eb s\u00eb deeuroizimit, Banka e Shqip\u00ebris\u00eb vler\u00ebson se ecuria e treguesve q\u00eb monitorohen p\u00ebr t\u00eb vler\u00ebsuar efektet e masave t\u00eb deeuroizimit ka qen\u00eb p\u00ebrgjith\u00ebsisht n\u00eb p\u00ebrputhje me objektivat e synuar. <\/span><\/p>\n

Megjithat\u00eb, ndryshimet strukturore n\u00eb ekonomi gjat\u00eb viteve t\u00eb fundit, ku ve\u00e7ohet rritja e fort\u00eb e t\u00eb\u00a0 ardhurave nga turizmi, jan\u00eb shoq\u00ebruar me ndryshime t\u00eb politikave ekonomike dhe\u00a0 monetare, si dhe t\u00eb sjelljes s\u00eb agjent\u00ebve t\u00eb ekonomis\u00eb reale. <\/span><\/p>\n

P\u00ebr k\u00ebto arsye, Banka e Shqip\u00ebris\u00eb vler\u00ebson se dallimi i efekteve q\u00eb lidhen ngusht\u00eb me masat e deeuroizimit, mbetet nj\u00eb proces i v\u00ebshtir\u00eb. Megjithat\u00eb, Banka Qendrore vler\u00ebson se k\u00ebto masa kan\u00eb ruajn\u00eb efektin frenues n\u00eb ecurin\u00eb e euroizimit dhe n\u00eb munges\u00eb t\u00eb tyre madh\u00ebsia e l\u00ebvizjes s\u00eb ndonj\u00ebrit prej treguesve, apo edhe kahu i saj, do t\u00eb ishte i ndrysh\u00ebm. <\/span><\/p>\n

N\u00eb vitin 2017, Banka e Shqip\u00ebris\u00eb n\u00ebnshkroi nj\u00eb memorandum me Ministrin\u00eb e Financave dhe Autoritetin e Mbik\u00ebqyrjes Financiare, me q\u00ebllim zgjerimin e p\u00ebrdorimit t\u00eb monedh\u00ebs komb\u00ebtare n\u00eb sistemin financiar dhe n\u00eb ekonomin\u00eb shqiptare. <\/span><\/p>\n

Deri tani, vet\u00ebm Banka e Shqip\u00ebris\u00eb ka nd\u00ebrmarr\u00eb masa rregullatore konkrete, q\u00eb tentojn\u00eb t\u00eb rrisin p\u00ebrdorimin e monedh\u00ebs vendase n\u00eb sektorin bankar. K\u00ebto masa tentojn\u00eb t\u00eb rrisin kostot e nd\u00ebrmjet\u00ebsimit financiar n\u00eb valut\u00eb dhe paralelisht ti ulin ato p\u00ebr lekun.<\/span><\/p>\n

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

Sipas shifrave t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fund t\u00eb vitit 2024 kredia n\u00eb valut\u00eb t\u00eb huaj p\u00ebrb\u00ebnte 45.3% t\u00eb portofolit total t\u00eb sektorit bankar. Krahasuar me nj\u00eb vit m\u00eb par\u00eb, pesha e kredis\u00eb n\u00eb valut\u00eb t\u00eb huaj ka r\u00ebn\u00eb me pothuajse dy pik\u00eb p\u00ebrqindje. Gjat\u00eb k\u00ebsaj periudhe, kredit\u00eb n\u00eb valut\u00eb sh\u00ebnuan rritje, por rritja n\u00eb […]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":32,"featured_media":717149,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[],"class_list":["post-729556","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/729556","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=729556"}],"version-history":[{"count":99999,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/729556\/revisions"}],"predecessor-version":[{"id":729557,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/729556\/revisions\/729557"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/717149"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=729556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=729556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=729556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}