Rezultatet e “Vrojtimit t\u00eb Aktivitetit Kreditues” p\u00ebr tremujorin e tret\u00eb t\u00eb vitit 2017 tregojn\u00eb se standardet e kredis\u00eb jan\u00eb shtr\u00ebnguar p\u00ebr bizneset nd\u00ebrsa jan\u00eb leht\u00ebsuar p\u00ebr individ\u00ebt. Sipas madh\u00ebsis\u00eb s\u00eb biznesit vihet re se standardet e kreditimit p\u00ebr nd\u00ebrmarrjet e vogla dhe t\u00eb mesme kan\u00eb mbetur t\u00eb leht\u00ebsuara nj\u00ebsoj si nj\u00eb tremujor m\u00eb par\u00eb, nd\u00ebrsa n\u00eb segmentin e nd\u00ebrmarrjeve t\u00eb m\u00ebdha standardet jan\u00eb shtr\u00ebnguar. P\u00ebr individ\u00ebt, standardet e kredis\u00eb rezultuan t\u00eb leht\u00ebsuara, si n\u00eb segmentin e kredis\u00eb p\u00ebr blerje banesa, ashtu edhe p\u00ebr kredin\u00eb konsumatore.<\/p>\n
Faktori kryesor q\u00eb ndikoi n\u00eb kahun leht\u00ebsues t\u00eb standardeve t\u00eb bankave p\u00ebr kredin\u00eb dh\u00ebn\u00eb bizneseve \u00ebsht\u00eb konkurrenca n\u00eb tregun bankar. N\u00eb kahun shtr\u00ebngues kan\u00eb ndikuar kryesisht huat\u00eb me probleme, situata e perceptuar makroekonomike, si edhe problemet specifike t\u00eb sektorit. P\u00ebrsa i p\u00ebrket individ\u00ebve, faktor\u00ebt q\u00eb kan\u00eb ndikuar n\u00eb leht\u00ebsimin e standardeve rezultuan mjaftueshm\u00ebria e kapitalit, niveli i likuiditetit, si edhe konkurrenca n\u00eb sistemin bankar. N\u00eb kahun shtr\u00ebngues p\u00ebr k\u00ebt\u00eb segment kan\u00eb ndikuar gjendja financiare e individ\u00ebve, zhvillimet n\u00eb tregun e pasurive t\u00eb paluajtshme, si edhe huat\u00eb me probleme.<\/p>\n
Shtr\u00ebngimi i kushteve t\u00eb kredis\u00eb t\u00eb bizneseve u zbatua kryesisht n\u00ebp\u00ebrmjet zvog\u00eblimit t\u00eb madh\u00ebsis\u00eb s\u00eb kredis\u00eb dhe rritjes s\u00eb k\u00ebrkesave p\u00ebr kolateral, nd\u00ebrsa leht\u00ebsimi i tyre u shpreh n\u00ebp\u00ebrmjet zvog\u00eblimit t\u00eb komisioneve dhe marzhit mesatar. Bankat shprehen se leht\u00ebsimi i kushteve t\u00eb kredis\u00eb p\u00ebr individ\u00eb u zbatua kryesisht n\u00ebp\u00ebrmjet zbutjes s\u00eb k\u00ebrkesave p\u00ebr kolateral, ngushtimit t\u00eb marzhit mesatar p\u00ebr kredit\u00eb dhe rritjes s\u00eb raportit t\u00eb k\u00ebstit ndaj t\u00eb ardhurave.<\/p>\n
K\u00ebrkesa p\u00ebr kredi n\u00eb tremujorin e tret\u00eb t\u00eb vitit 2017 u raportua e rritur si p\u00ebr bizneset, ashtu edhe p\u00ebr individ\u00ebt n\u00eb t\u00eb gjitha segmentet.<\/p>\n
Bankat presin leht\u00ebsim t\u00eb standardeve t\u00eb kreditimit p\u00ebr bizneset, nd\u00ebrsa standardet e kredis\u00eb p\u00ebr individ\u00ebt priten t\u00eb mbeten t\u00eb pandryshuara n\u00eb tremujorin e kat\u00ebrt 2017. K\u00ebrkesa p\u00ebr kredi parashikohet n\u00eb rritje si p\u00ebr bizneset, ashtu edhe p\u00ebr individ\u00ebt.<\/p>\n