Banka e Shqip\u00ebris\u00eb ka p\u00ebrgatitur 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 fort\u00eb n\u00eb hap\u00ebsirat kredituese t\u00eb institucioneve financiare jobanka.<\/p>\n
Mb\u00ebshtetur n\u00eb parashikimet e projektrregullores q\u00eb po konsultohet me pal\u00ebt e p\u00ebrfshira, 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.<\/p>\n
Projektrregullorja vendos gjithashtu 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.<\/p>\n
Raporti i sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave (DSTI) 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.<\/p>\n
Vlera e raportit t\u00eb sh\u00ebrbimit t\u00eb borxhit kundrejt t\u00eb ardhurave nuk duhet t\u00eb tejkaloj\u00eb vler\u00ebn prej 40%. Kjo vler\u00eb mund t\u00eb jet\u00eb m\u00eb e lart\u00eb vet\u00ebm n\u00eb rastet kur kredimarr\u00ebsi ka evidenca t\u00eb mjaftueshme q\u00eb niveli m\u00eb i lart\u00eb i raportit nuk c\u00ebnon pages\u00ebn e detyrimeve t\u00eb kredis\u00eb.<\/p>\n
K\u00ebto raste do t\u00eb trajtohen si raste p\u00ebrjashtimore, t\u00eb cilat nuk duhet t\u00eb tejkalojn\u00eb 10% t\u00eb shum\u00ebs s\u00eb kredive t\u00eb reja t\u00eb dh\u00ebna nga subjekti p\u00ebr nj\u00eb vit kalendarik.<\/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.<\/p>\n
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.<\/p>\n
Projektrregullorja parashikon gjithashtu edhe k\u00ebrkesa m\u00eb t\u00eb detajuara dhe rigoroze t\u00eb administrimit t\u00eb rrezikut mbi huadh\u00ebnien konsumatore.<\/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.<\/p>\n
K\u00ebrkesat e reja, q\u00eb parashikojn\u00eb vler\u00ebsimin e detajuar t\u00eb af\u00ebtsis\u00eb pagues,e 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.<\/p>\n
Kufizime t\u00eb tjera eksplicite t\u00eb parashikuara n\u00eb projektrregullore 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.<\/p>\n
Masat shtr\u00ebnguese p\u00ebr dh\u00ebnien e kredive konsumatore do t\u00eb prekin vet\u00ebm institucionet financiare jobanka, nd\u00ebrsa deri tani nuk ka informacion q\u00eb Banka e Shqip\u00ebris\u00eb do t\u00eb nd\u00ebrmarr\u00eb shtr\u00ebngime t\u00eb ngjashme p\u00ebr kredit\u00eb konsumatore q\u00eb jepen nga bankat tregtare.<\/p>\n
N\u00ebse miratohet, rregullorja e re pritet t\u00eb godas\u00eb kryesisht biznesin e kredive t\u00eb shpejta.<\/p>\n
Mikrofinanca e kredive t\u00eb shpejta ka marr\u00eb nj\u00eb zhvillim t\u00eb shpejt\u00eb pas vitit 2016, duke sjell\u00eb n\u00eb Shqip\u00ebri modele biznesi t\u00eb zbatuara m\u00eb par\u00eb n\u00eb vendet Balltike dhe n\u00eb vende t\u00eb tjera t\u00eb Europ\u00ebs Lindore. K\u00ebto kredi p\u00ebrgjith\u00ebsisht jepen n\u00eb shuma t\u00eb vogla dhe me afate t\u00eb shkurtra maturimi.<\/p>\n
Avantazhi i tyre konsiston n\u00eb vendimmarrjen e shpejt\u00eb dhe me procedura burokratike minimale, por, q\u00eb nga ana tjet\u00ebr, ato bartin rreziqe m\u00eb t\u00eb m\u00ebdha dhe norma efektive interesi shum\u00eb t\u00eb larta se kredit\u00eb q\u00eb ofron sektori bankar.<\/p>\n
K\u00ebto produkte jan\u00eb kryesisht t\u00eb orientuara tek segmenti i konsumator\u00ebve me informalitet dhe me rrezik m\u00eb t\u00eb lart\u00eb, q\u00eb ka v\u00ebshtir\u00ebsi p\u00ebr t\u00eb gjetur akses n\u00eb financim nga sektori bankar.\/Monitor<\/p>\n
The post Banka e Shqip\u00ebris\u00eb: Jo m\u00eb shum\u00eb se dy kredi nj\u00ebkoh\u00ebsisht p\u00ebr \u00e7do huamarr\u00ebs<\/a> appeared first on GIJOTINA<\/a>.<\/p>","protected":false},"excerpt":{"rendered":" Banka e Shqip\u00ebris\u00eb ka p\u00ebrgatitur 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 fort\u00eb n\u00eb hap\u00ebsirat kredituese t\u00eb institucioneve financiare jobanka. Mb\u00ebshtetur n\u00eb parashikimet e projektrregullores q\u00eb po konsultohet me pal\u00ebt e p\u00ebrfshira, nj\u00eb institucion financiar jobank\u00eb nuk do t\u00eb lejohet t\u00eb […]<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1057","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/1057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/comments?post=1057"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/1057\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=1057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=1057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=1057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}