{"id":4058,"date":"2017-07-28T09:33:10","date_gmt":"2017-07-28T09:33:10","guid":{"rendered":"http:\/\/prodhuesit.org\/?p=4058"},"modified":"2017-07-28T09:33:10","modified_gmt":"2017-07-28T09:33:10","slug":"kredia-per-bizneset-rezultatet-e-vrojtimit-te-aktivitetit-kreditues-per-tremujorin-e-dyte-2017","status":"publish","type":"post","link":"https:\/\/www.prodhuesit.org\/?p=4058","title":{"rendered":"Kredia p\u00ebr Bizneset, Rezultatet e Vrojtimit t\u00eb Aktivitetit Kreditues p\u00ebr Tremujorin e Dyt\u00eb 2017"},"content":{"rendered":"<p>Nga rezultatet e vrojtimit t\u00eb kryera nga \u00a0Departamenti i Politik\u00ebs Monetare t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vihet re se \u00a0<strong>standardet e kredis\u00eb<\/strong> p\u00ebr bizneset kan\u00eb mbetur pothuajse t\u00eb pandryshuara n\u00eb tremujorin e dyt\u00eb t\u00eb vitit 2017. Kushtet e kreditimit p\u00ebr nd\u00ebrmarrjet e vogla dhe t\u00eb mesme jan\u00eb leht\u00ebsuar disi, n\u00eb p\u00ebrputhje dhe me pritjet e tremujorit t\u00eb kaluar. P\u00ebr nd\u00ebrmarrjet e m\u00ebdha, ndryshe nga sa pritej, standardet e kredis\u00eb kan\u00eb mbetur t\u00eb pandryshuara. N\u00eb tremujorin e tret\u00eb t\u00eb vitit 2017, bankat presin q\u00eb standardet e kreditimit t\u00eb mbeten t\u00eb pandryshuara, si n\u00eb segmentin e nd\u00ebrmarrjeve t\u00eb vogla dhe t\u00eb mesme, ashtu edhe p\u00ebr nd\u00ebrmarrjet e m\u00ebdha.<\/p>\n<p>Sipas q\u00ebllimit t\u00eb p\u00ebrdorimit t\u00eb kredis\u00eb, standardet jan\u00eb leht\u00ebsuar p\u00ebr kredit\u00eb p\u00ebr kapital qarkullues, nd\u00ebrsa p\u00ebr kredin\u00eb p\u00ebr investime kan\u00eb mbetur t\u00eb pandryshuara. N\u00eb tremujorin e ardhsh\u00ebm pritet q\u00eb standardet p\u00ebr t\u00eb dy k\u00ebto kategori t\u00eb mos ndryshojn\u00eb.<\/p>\n<p><strong>Faktor\u00ebt<\/strong> me ndikimin kryesor n\u00eb leht\u00ebsimin e standardeve t\u00eb kredis\u00eb p\u00ebr biznese n\u00eb tremujorin e dyt\u00eb rezultuan t\u00eb jen\u00eb <strong>konkurrenca n\u00eb tregun bankar<\/strong> dhe <strong>niveli i likuiditetit n\u00eb sistem<\/strong>. Nd\u00ebrkoh\u00eb, faktor\u00ebt e tjer\u00eb si: problemet specifike t\u00eb sektor\u00ebve ku vepron biznesi; kredit\u00eb me probleme; perceptimi i bankave mbi situat\u00ebn makroekonomike; si edhe mjaftueshm\u00ebria e kapitalit; vijojn\u00eb t\u00eb ndikojn\u00eb n\u00eb kahun shtr\u00ebngues.<\/p>\n<p>Leht\u00ebsimi i standardeve t\u00eb kreditimit t\u00eb bizneseve n\u00eb tremujorin e dyt\u00eb t\u00eb vitit 2017 u realizua kryesisht n\u00ebp\u00ebrmjet uljes s\u00eb komisioneve dhe uljes s\u00eb marzhit mesatar. Nd\u00ebrkoh\u00eb, rritja e k\u00ebrkesave p\u00ebr kolateral \u00ebsht\u00eb faktor q\u00eb ka vepruar n\u00eb kahun shtr\u00ebngues.<\/p>\n<p><strong>K\u00ebrkesa p\u00ebr kredi<\/strong> ka mbetur pothuajse e pandryshuar n\u00eb tremujorin e dyt\u00eb t\u00eb vitit 2017, e ndikuar m\u00eb shum\u00eb nga segmenti i nd\u00ebrmarrjeve t\u00eb m\u00ebdha, nd\u00ebrkoh\u00eb q\u00eb nd\u00ebrmarrjet e vogla e t\u00eb mesme kan\u00eb shfaqur rritje t\u00eb k\u00ebrkes\u00ebs. N\u00eb tremujorin e dyt\u00eb, bizneset kan\u00eb shfaqur k\u00ebrkes\u00eb m\u00eb t\u00eb lart\u00eb p\u00ebr kredi p\u00ebr kapital qarkullues, nd\u00ebrkoh\u00eb k\u00ebrkesa p\u00ebr kredi p\u00ebr investime ka mbetur e pandryshuar. \u00a0N\u00eb tremujorin e tret\u00eb t\u00eb vitit, bankat presin rritje t\u00eb k\u00ebrkes\u00ebs, t\u00eb mb\u00ebshtetur si nga nd\u00ebrmarrjet e vogla dhe t\u00eb mesme ashtu edhe nga nd\u00ebrmarrjet e m\u00ebdha.<\/p>\n<p><strong>Faktor\u00ebt q\u00eb kan\u00eb ndikuar k\u00ebrkes\u00ebn.<\/strong> Bankat raportojn\u00eb se k\u00ebrkesa p\u00ebr kredi nga ana e bizneseve \u00ebsht\u00eb mb\u00ebshtetur nga nevoja p\u00ebr financimin e kapitalit qarkullues dhe e investimeve, si dhe nga kushtet e favorshme t\u00eb kreditimit. K\u00ebrkesa m\u00eb e ul\u00ebt p\u00ebr kredi \u00ebsht\u00eb perceptuar nga bankat si pasoj\u00eb e p\u00ebrdorimit t\u00eb burimeve alternative t\u00eb financimit jasht\u00eb sistemit bankar.<\/p>\n<p>Publikimin e plot\u00eb t\u00eb rezultateve t\u00eb vrojtimit t\u00eb aktivitetit kreditues p\u00ebr tremujorin e dyt\u00eb 2017 do ta gjeni <a href=\"http:\/\/prodhuesit.org\/wp-content\/uploads\/2017\/07\/Vrojtimi_per_aktivitetin_kreditues_T2_2017.pdf\">k\u00ebtu<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nga rezultatet e vrojtimit t\u00eb kryera nga \u00a0Departamenti i Politik\u00ebs Monetare t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, vihet re se \u00a0standardet e<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":2,"featured_media":4059,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[47],"tags":[],"class_list":["post-4058","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-njoftime"],"_links":{"self":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts\/4058","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4058"}],"version-history":[{"count":2,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts\/4058\/revisions"}],"predecessor-version":[{"id":4062,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/posts\/4058\/revisions\/4062"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=\/wp\/v2\/media\/4059"}],"wp:attachment":[{"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4058"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4058"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prodhuesit.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4058"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}