Komisionet bankare si instrumente grabitjeje<\/p>\n
*Nga Gjon NDREJAJ<\/p>\n
\tProfesori im i l\u00ebnd\u00ebs \u201cQarkullimi monetar dhe krediti\u201d n\u00eb fakultetin e Ekonomis\u00eb, na shpjegonte se banka \u00ebsht\u00eb m\u00eb s\u00eb pari institucion besimi. Ti i beson asaj parat\u00eb e tua, nd\u00ebrsa ajo t\u00eb beson ty se do t\u2019ja kthesh parat\u00eb kur t\u00eb jep kur ti ke nevojat tuaja. Njer\u00ebzit q\u00eb punojn\u00eb n\u00eb bank\u00eb jan\u00eb njer\u00ebz me integritet t\u00eb lart\u00eb. Madje ai na tregonte nj\u00eb ngjarje q\u00eb sipas tij kishte ndodhur v\u00ebrtet. Nj\u00eb i huaj kishte ardhur asokohe n\u00eb Shqip\u00ebri dhe p\u00ebr nevoja t\u00eb veta do t\u00eb thyente nj\u00eb \u00e7ek n\u00eb bank\u00eb. Punonj\u00ebsja e bank\u00ebs pasi kontrolloi vlefshm\u00ebrin\u00eb e \u00e7ekut nxorri nj\u00eb tuf\u00eb kartmonedhash n\u00eb sportel dhe filloi ti num\u00ebronte. I huaji i nervozuar ja rr\u00ebmbeu parat\u00eb nga sporteli pa i num\u00ebruar dhe i tha: \u201cN\u00eb bank\u00eb nuk num\u00ebrohen parat\u00eb\u201d. Kjo do t\u00eb thoshte se banka dhe personi n\u00eb fjal\u00eb ishin krejt t\u00eb besuesh\u00ebm p\u00ebr t\u00eb, prandaj num\u00ebrimi i parave ishte i panevojsh\u00ebm.
\n\tN\u00eb marr\u00ebdh\u00ebnien me bank\u00ebn, ne jemi gjithmon\u00eb n\u00eb nj\u00eb pozicion partneriteti. Kur depozitojm\u00eb kursimet tona ne jemi huadh\u00ebn\u00ebs, i japim bank\u00ebs parat\u00eb tona dhe ajo na paguan interes. Kur marrim nj\u00eb kredi, ne jemi huamarr\u00ebs dhe banka na jep para dhe ne i kthejm\u00eb ato me interes. N\u00eb t\u00eb dyja rastet, jemi partner\u00eb. Por ka nj\u00eb moment kur dinamika ndryshon rr\u00ebnj\u00ebsisht dhe nga partner\u00eb, ne kthehemi thjesht n\u00eb konsumator\u00eb t\u00eb detyruar t\u00eb nj\u00eb sh\u00ebrbimi monopol: Ky \u00ebsht\u00eb momenti kur ne kryejm\u00eb sh\u00ebrbime bankare si transferta, pagesa, t\u00ebrheqje cash-i apo verifikim i gjendjes.<\/p>\n
Komisionet bankare nj\u00eb instrument grabitje.<\/p>\n
Pik\u00ebrisht k\u00ebtu hyn n\u00eb loj\u00eb termi \u201ckomision\u201d. Dhe pik\u00ebrisht k\u00ebtu, m\u00ebnyra se si k\u00ebto komisione llogariten dhe justifikohen, p\u00ebrb\u00ebn nj\u00eb nga format m\u00eb t\u00eb sofistikuara dhe m\u00eb pak t\u00eb debatuara t\u00eb grabitjes institucionale t\u00eb qytetar\u00ebve dhe t\u00eb humbjes besimit dhe p\u00ebr rrjedhoj\u00eb edhe prishjes s\u00eb partneritetit..
\n\u00c7far\u00eb duhet t\u00eb ishte komisioni? N\u00eb thelb, komisioni p\u00ebr nj\u00eb sh\u00ebrbim bankar duhet t\u00eb jet\u00eb i thjesht\u00eb: kosto reale e ofrimit t\u00eb atij sh\u00ebrbimi, plus nj\u00eb fitim t\u00eb arsyesh\u00ebm p\u00ebr bank\u00ebn. N\u00ebse nj\u00eb transferte brenda vendit kushton le t\u00eb themi 200 lek\u00eb , energji elektrike, amortizim sistemesh dhe pun\u00eb t\u00eb nj\u00eb punonj\u00ebsi, at\u00ebher\u00eb nj\u00eb komision prej 230 lek\u00eb, do t\u00eb ishte i kuptuesh\u00ebm p\u00ebr nj\u00eb sh\u00ebrbim q\u00eb zgjati vet\u00ebm 2 minuta duket se \u00ebsht\u00eb i pranuesh\u00ebm.Por realiteti \u00ebsht\u00eb krejt\u00ebsisht tjet\u00ebr. Bankat n\u00eb Shqip\u00ebri, ashtu si n\u00eb shum\u00eb vende t\u00eb tjera, kan\u00eb zgjedhur nj\u00eb model tjet\u00ebr llogaritjeje: p\u00ebrqindjen mbi vler\u00ebn e transaksionit. Dhe ky \u00ebsht\u00eb thelbi i problemit.
\nKur 2% kthehet n\u00eb 200% fitim? Le t\u00eb marrim nj\u00eb shembull konkret. K\u00ebshtu, sipas tarifave t\u00eb bankave shqiptare, t\u00ebrheqja e parave n\u00eb sportele ose n\u00eb bankomat\u00ebt e bankave t\u00eb tjera varion nga 150 lek\u00eb deri n\u00eb 0.1 p\u00ebrqind e shum\u00ebs s\u00eb transaksionit por jo m\u00eb shum\u00eb se 2.000 lek\u00eb. Kjo do t\u00eb thot\u00eb q\u00eb n\u00ebse t\u00ebrheq deri n\u00eb 1.500,000 lek\u00eb, banka mban 150 lek\u00eb. N\u00ebse t\u00ebrheq 1.600.000 lek\u00eb, mban 1,600 lek\u00eb, q\u00eb do t\u00eb thot\u00eb q\u00eb p\u00ebr 100.000 lek\u00eb mbi shum\u00ebn 1.500.000 lek\u00eb komisioni \u00ebsht\u00eb 1.450 lek\u00eb ose rreth 10 her\u00eb m\u00eb i lart\u00eb. Pyetja q\u00eb duhet b\u00ebr\u00eb \u00ebsht\u00eb: a kushton m\u00eb shum\u00eb p\u00ebr bank\u00ebn p\u00ebrpunimi i nj\u00eb t\u00ebrheqjeje prej 1.500,000 lek\u00ebsh sesa i nj\u00eb t\u00ebrheqjeje prej 1.600,000 lek\u00ebsh? P\u00ebrgjigjja \u00ebsht\u00eb jo. Kostot jan\u00eb identike. Energjia q\u00eb harxhon bankomati, rrjeti i komunikimit, koha q\u00eb duhet p\u00ebr t\u00eb verifikuar llogarin\u00eb \u00ebsht\u00eb e nj\u00ebjta. Por komisioni \u00ebsht\u00eb 10 her\u00eb m\u00eb i lart\u00eb.
\nM\u00eb absurde duken komisionet e aplikimit p\u00ebr bono thesari. K\u00ebtu komisioni ndryshon n\u00eb vart\u00ebsi afatit t\u00eb maturimit t\u00eb bonove. K\u00ebshtu p\u00ebr bonot e thesarit me afat tremujor komisioni i aplikimit \u00ebsht\u00eb 0.15 p\u00ebrqind e shum\u00ebs s\u00eb transaksionit, nd\u00ebrsa p\u00ebr bonot e thesarit me afat nj\u00eb vje\u00e7ar, komisioni i aplikimit \u00ebsht\u00eb 0.20 p\u00ebrqind e shum\u00ebs s\u00eb transaksionit. Koha p\u00ebr aplikim nuk \u00ebsht\u00eb m\u00eb shum\u00eb se 5 minuta dhe kostoja e aplikmit n\u00eb t\u00eb dyja rastet \u00ebsht\u00eb e nj\u00ebjt\u00eb. Problemi k\u00ebtu \u00ebsht\u00eb se madh\u00ebsia e komisionit e aplikimit nuk ka dhe nuk duhet t\u00eb ket\u00eb asnj\u00eb lidhje as me afatin e maturimit t\u00eb bonove (tremujore apo vjetore) . Kostoja gjithashtu duhej te ishte fikse por banka n\u00eb k\u00ebt\u00eb rast pa asnj\u00eb rrezik ose kosto shtes\u00eb b\u00ebhet partnere n\u00eb biznesin tim. Madh\u00ebsia e komisionit duhej t\u00eb ishte bazuar n\u00eb koston e aplikimit dhe jo n\u00eb afatin e maturimit t\u00eb bonove.P\u00ebrshkall\u00ebzimi i norm\u00ebs n\u00eb p\u00ebrqindje t\u00eb nga 0.15-n\u00eb 0.20 p\u00ebrqind \u00ebsht\u00eb t\u00ebr\u00ebsisht pa asnj\u00eb llogjik\u00eb ekonomike. P\u00ebr t\u00eb vler\u00ebsuar diferenc\u00ebn dhe anomalit\u00eb q\u00eb bart kjo m\u00ebnyr\u00eb vler\u00ebsimi po i referohemi komisionit baz\u00eb t\u00eb depozitave q\u00eb \u00ebsht\u00eb 500 lek\u00eb ( Depozit\u00eb Cash nga klient\u00eb t\u00eb rastit) dhe n\u00eb fakt paraqet koston maksimale t\u00eb transaksionit. N\u00eb rastin e aplikmit p\u00ebr bono thesari me afat nj\u00ebvjecar, komisioni p\u00ebr nj\u00eb shum\u00eb aplikimi prej pes\u00eb milion lek\u00eb, \u00ebsht\u00eb 10.000 lek\u00eb ose nj\u00ebzet her\u00eb m\u00eb e lart\u00eb.
\n Sa m\u00eb sip\u00ebr, nuk ka asnj\u00eb lidhje me koston e sh\u00ebrbimit por \u00ebsht\u00eb thjesht nj\u00eb mekaniz\u00ebm p\u00ebr t\u00eb rritur fitimet n\u00eb m\u00ebnyr\u00eb disproporcionale, duke u maskuar pas nj\u00eb logjike q\u00eb n\u00eb dukje duket e pad\u00ebmshme: \u201cnj\u00eb p\u00ebrqindje e vog\u00ebl\u201d. Por 0.2% i nj\u00eb shume t\u00eb madhe nuk \u00ebsht\u00eb m\u00eb nj\u00eb komision, \u00ebsht\u00eb nj\u00eb taks\u00eb mbi paran\u00eb t\u00ebnde.
\nE nj\u00ebjta logjik\u00eb vlen p\u00ebr transfertat nd\u00ebrkomb\u00ebtare. Pse nj\u00eb transfert\u00eb prej 50,000 euro duhet t\u00eb paguaj\u00eb 10 her\u00eb m\u00eb shum\u00eb komision se nj\u00eb transfert\u00eb prej 5,000 eurosh? A shkruan sistemi SWIFT m\u00eb shum\u00eb rreshta kodi? A harxhon m\u00eb shum\u00eb energji? Jo. Thjesht banka vendos q\u00eb fitimi i saj t\u00eb jet\u00eb n\u00eb p\u00ebrpjes\u00ebtim me vler\u00ebn q\u00eb ti zot\u00ebron, jo me pun\u00ebn q\u00eb ajo b\u00ebn.
\n\tMarifete \u201cmarketingu\u201dp\u00ebrdoren edhe n\u00eb depozita. K\u00ebshtu nj\u00eb bank\u00eb t\u00eb ofron interes 1.4 p\u00ebrqind p\u00ebr depozitat me afat nj\u00eb vje\u00e7ar nd\u00ebrsa nj\u00eb bank\u00eb tjet\u00ebr ka sajuar nj\u00eb skem\u00eb tjet\u00ebr p\u00ebr t\u00eb joshur klient\u00ebt. Ajo ofron depozita me afat 18 mujor por interesi \u00ebsht\u00eb 0.5 p\u00ebrqind p\u00ebr gjasht\u00ebmujorin e par\u00eb, 0.7 p\u00ebrqind p\u00ebr gjasht\u00ebmujorin e dyt\u00eb dhe 4.8 p\u00ebrqind p\u00ebr gjasht\u00ebmujorin e tret\u00eb. N\u00eb se k\u00ebto interesa do ti konvertosh me baz\u00eb vjetore si dhe t\u00eb llogarit\u00ebsh interesin e akumuluar diferenca \u00ebsht\u00eb shum\u00eb e vog\u00ebl midis 4.8 p\u00ebrqind dhe 1.4 p\u00ebrqind \u00ebsht\u00eb shume e madhe dhe mashtruese. Klient\u00ebt nuk e kan\u00eb kultur\u00ebn dhe njohurit\u00eb e nevojshme p\u00ebr t\u00eb b\u00ebr\u00eb llogaritje dhe p\u00ebr t\u00eb zgjedhur opsionet e p\u00ebrshtatshme por bien pre e shumave absolute.<\/p>\n
Mungesa e transparenc\u00ebs dhe mbikqyrjes, aleati i grabitjes<\/p>\n
\tTregu bankar \u00ebsht\u00eb nj\u00eb treg specifik dhe prandaj mbikqyrja e tij e vazhdueshme \u00ebsht\u00eb nj\u00eb domosdoshm\u00ebri p\u00ebr shkak t\u00eb rreziqeve q\u00eb ai paraqet por edhe t\u00eb mund\u00ebsive t\u00eb abuzimit dhe sigurimit t\u00eb p\u00ebrfitimeve t\u00eb padrejta n\u00eb kurriz t\u00eb qytetar\u00ebve, duke p\u00ebrdorur mekanizma t\u00eb tilla si komisionet bankare apo edhe marifete t\u00eb tjera. Referuar bilanceve t\u00eb publikuara p\u00ebr vitin 2024, norma e fitimit n\u00eb sektorin bankar (Kthimi nga kapitali ROE) \u00ebsht\u00eb rreth 19.2 p\u00ebrqind, me nj\u00eb tendenc\u00eb rritje prej 17 p\u00ebrqind nga periudha e m\u00ebparshme dhe rreth 15 p\u00ebrqind e k\u00ebtij fitimi llogaritet t\u00eb jet\u00eb realizuar nga interesat. Por ajo q\u00eb t\u00eb bie n\u00eb sy \u00ebsht\u00eb fakti se Shqip\u00ebria ka norm\u00ebn m\u00eb t\u00eb lart\u00eb t\u00eb fitimit bankar n\u00eb Europ\u00eb. K\u00ebshtu zona Euro ka vet\u00ebm 9.5 p\u00ebrqind t\u00eb norm\u00ebs s\u00eb fitimit, ose m\u00eb pak se 50 p\u00ebrqind norm\u00ebs s\u00eb fitimit t\u00eb bankave q\u00eb operojn\u00eb n\u00eb Shqip\u00ebri. Kjo norm\u00eb luhatet nga 6.8 p\u00ebrqind n\u00eb Gjermani, n\u00eb 18.5 p\u00ebrqind n\u00eb Greqi. P\u00ebr 9 mujorin 2024 fitimi i bankave n\u00eb Shqip\u00ebri llogaritet p\u00ebraf\u00ebrsisht 28 miliard\u00eb lek\u00eb dhe t\u00eb ardhurat nga komisionet rreth 14 miliard\u00eb gj\u00eb e cila duhet t\u00ef jap\u00eb nj\u00eb vemendje t\u00eb shtuar organeve t\u00eb mbikqyrjes dhe konkurrenc\u00ebs.
\n\tDuke qen\u00eb pjes\u00eb e tregut t\u00eb lir\u00eb sigurisht q\u00eb bankave nuk mund t\u00eb ju diktohet tarifat e sh\u00ebrbimeve apo komisionet por mund t\u00eb ju diktohet metodollogjia e llogaritjes s\u00eb tyre mbi baz\u00ebn e kostos. Dikush mund t\u00eb se n\u00eb kushtet e tregut t\u00eb lir\u00eb sejcili mund t\u00eb zgjedh\u00eb bank\u00ebn q\u00eb do. Po \u00ebsht\u00eb e mundur por nuk \u00ebsht\u00eb kaq e leht\u00eb sa t\u00eb zgjedh\u00ebsh dyqanin e peshkut apo restorantin t\u00ebnd t\u00eb preferuar. Kjo k\u00ebrkon procedura si dhe bart disa kosto t\u00eb r\u00ebnduara \u00e7ka e e mbajn\u00eb t\u00eb lidhur konsumatorin me bank\u00ebn edhe kund\u00ebr d\u00ebshir\u00ebs s\u00eb tij\u00eb.
\nN\u00ebse m\u00ebnyra e llogaritjes \u00ebsht\u00eb mekanizmi, mungesa e transparenc\u00ebs \u00ebsht\u00eb mjeti q\u00eb e b\u00ebn t\u00eb mundur k\u00ebt\u00eb grabitje. Sa prej nesh e din\u00eb sakt\u00ebsisht se sa do t\u00eb paguajn\u00eb p\u00ebr nj\u00eb transfert\u00eb nd\u00ebrkomb\u00ebtare p\u00ebrpara se ta kryejn\u00eb at\u00eb? Sa prej nesh jan\u00eb informuar p\u00ebr \u201cmark-up\u201d-in e aplikuar mbi kursin zyrtar t\u00eb k\u00ebmbimit? Shpesh, klient\u00ebt nuk informohen qart\u00eb mbi tarifat totale p\u00ebrpara se t\u00eb kryejn\u00eb nj\u00eb transaksion, ve\u00e7an\u00ebrisht kur p\u00ebrdorin karta t\u00eb huaja ose kur b\u00ebjn\u00eb k\u00ebmbime valutore .Edhe kur n\u00eb faqet p\u00ebrkat\u00ebse t\u00eb bankave publikohen t\u00eb dh\u00ebna deshifrimi i tyre nuk \u00ebsht\u00eb i mundur p\u00ebr qyetarin e thjesht\u00eb.
\nBanka e Shqip\u00ebris\u00eb ka nd\u00ebrhyr\u00eb edhe k\u00ebtu. Nj\u00eb draft-rregullore e re k\u00ebrkon q\u00eb \u00e7do tarif\u00eb p\u00ebr k\u00ebmbimin valutor n\u00eb ATM ose POS t\u00eb shprehet qart\u00eb si p\u00ebrqindje mbi kursin zyrtar dhe t\u00eb shfaqet p\u00ebrpara se klienti t\u00eb autorizoj\u00eb pages\u00ebn . Por kjo \u00ebsht\u00eb nj\u00eb mas\u00eb shum\u00eb e von\u00eb dhe ende e pazbatuar plot\u00ebsisht.Transparenca e munguar i lejon bankat t\u00eb mbajn\u00eb \u201cfitimin e paduksh\u00ebm\u201d. N\u00ebse ti nuk e di sa po paguan, nuk ankohesh. Dhe n\u00ebse nuk ankohesh, ata vazhdojn\u00eb. Nj\u00eb tjet\u00ebr element q\u00eb ushqen k\u00ebt\u00eb praktik\u00eb \u00ebsht\u00eb mungesa e konkurrenc\u00ebs reale. N\u00eb Shqip\u00ebri, tregu bankar \u00ebsht\u00eb i p\u00ebrqendruar dhe sh\u00ebrbimet paguhen shtrenjt\u00eb. Por ajo q\u00eb vihet re \u00ebsht\u00eb se bankat aplikojn\u00eb tarifa pothuajse t\u00eb nj\u00ebjta. Nuk ka luft\u00eb \u00e7mimesh p\u00ebr t\u00eb t\u00ebrhequr klient\u00ebt, por p\u00ebrkundrazi, nj\u00eb lloj marr\u00ebveshje e heshtur. Edhe Autoriteti i Konkurrenc\u00ebs \u201c\u00ebsht\u00eb i qet\u00eb\u201d pasi , nuk gjen domosdoshm\u00ebrisht marr\u00ebveshje t\u00eb fshehta, por konstaton se mungesa e transparenc\u00ebs dhe metodologjit\u00eb e llogaritjes jan\u00eb t\u00eb ngjashme .
\nKrahaso k\u00ebt\u00eb me at\u00eb q\u00eb ndodh n\u00eb vende t\u00eb tjera. N\u00eb disa vende , p\u00ebr shembull, qeveria po detyron bankat t\u00eb zbatojn\u00eb \u201crrug\u00ebtimin me koston m\u00eb t\u00eb ul\u00ebt\u201d, duke i detyruar ato t\u00eb zgjedhin automatikisht kanalin m\u00eb t\u00eb lir\u00eb t\u00eb pages\u00ebs p\u00ebr klientin, jo at\u00eb q\u00eb sjell m\u00eb shum\u00eb fitim p\u00ebr to .<\/p>\n
Partneriteti rrezikon t\u00eb prishet<\/p>\n
Banka \u00ebsht\u00eb partnere kur ke nevoj\u00eb p\u00ebr t\u00eb. Kur do t\u00eb marr\u00ebsh kredi, ajo t\u00eb trajton si klient t\u00eb art\u00eb. Kur ke depozita, t\u00eb siguron se parat\u00eb e tua jan\u00eb n\u00eb dor\u00eb t\u00eb sigurt. Por momenti q\u00eb kryen nj\u00eb sh\u00ebrbim t\u00eb thjesht\u00eb, ajo heq mask\u00ebn dhe tregon fytyr\u00ebn e v\u00ebrtet\u00eb: at\u00eb t\u00eb nj\u00eb tagrambledh\u00ebsi q\u00eb nuk ka asnj\u00eb lidhje me koston reale t\u00eb sh\u00ebrbimit q\u00eb ofron.
\nLlogaritja e komisioneve si p\u00ebrqindje mbi vler\u00ebn e transaksionit \u00ebsht\u00eb nj\u00eb anakroniz\u00ebm q\u00eb duhet t\u00eb zhduket. N\u00eb epok\u00ebn e dixhitalizimit, ku kostot e p\u00ebrpunimit jan\u00eb pothuajse zero dhe nuk ndryshojn\u00eb n\u00eb baz\u00eb t\u00eb shum\u00ebs, vazhdimi i k\u00ebsaj praktike \u00ebsht\u00eb thjesht nj\u00eb form\u00eb grabitjeje e mirorganizuar.Sepse partneriteti i v\u00ebrtet\u00eb nuk nd\u00ebrtohet mbi grabitjen e partnerit m\u00eb t\u00eb dob\u00ebt, por mbi transparenc\u00ebn dhe drejt\u00ebsin\u00eb. Kur ai t\u00eb vjedh apo t\u00e4 b\u00ebn me hile sic thot\u00eb populli at\u00ebher\u00eb ky partneritet ka p\u00ebrfunduar dhe mbahet me zor. Banka e Shqip\u00ebris\u00eb dhe Autoriteti i Konkurenc\u00ebs duhet t\u00eb nd\u00ebrhyjn\u00eb p\u00ebr t\u00eb na \u201cpajtuar\u201dme bankat\u2026.<\/p>","protected":false},"excerpt":{"rendered":"
Komisionet bankare si instrumente grabitjeje *Nga Gjon NDREJAJ Profesori im i l\u00ebnd\u00ebs \u201cQarkullimi monetar dhe krediti\u201d n\u00eb fakultetin e Ekonomis\u00eb, na shpjegonte se banka \u00ebsht\u00eb m\u00eb s\u00eb pari institucion besimi. Ti i beson asaj parat\u00eb e tua, nd\u00ebrsa ajo t\u00eb beson ty se do t\u2019ja kthesh parat\u00eb kur t\u00eb jep kur ti ke nevojat tuaja. […]<\/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-73962","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/73962","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=73962"}],"version-history":[{"count":0,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/posts\/73962\/revisions"}],"wp:attachment":[{"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/media?parent=73962"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/categories?post=73962"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zennihost.com\/test\/wp-json\/wp\/v2\/tags?post=73962"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}