{"id":116674,"date":"2025-06-16T12:27:45","date_gmt":"2025-06-16T12:27:45","guid":{"rendered":"https:\/\/rdnews.al\/?p=116674"},"modified":"2025-06-16T12:27:45","modified_gmt":"2025-06-16T12:27:45","slug":"kullat-hijet-dhe-misteret-e-financimit-rreziku-ligjor-qe-fshihet-poshte-tyre-dhe-sfida-e-bankave","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2025\/06\/16\/kullat-hijet-dhe-misteret-e-financimit-rreziku-ligjor-qe-fshihet-poshte-tyre-dhe-sfida-e-bankave\/","title":{"rendered":"Kullat, hijet dhe misteret e financimit, rreziku ligjor q\u00eb fshihet posht\u00eb tyre dhe sfida e bankave"},"content":{"rendered":"<p><strong>Eduart HALIMI<\/strong><\/p>\n<p><strong>Arlind AHMETAJ<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><em>Hijet e kapitalit n\u00eb Kullat gjigande t\u00eb Tiran\u00ebs: Bankat n\u00eb sfid\u00ebn p\u00ebr mbrojtjen e kredive. P\u00ebrballja e heshtur me SPAK dhe r\u00ebnd\u00ebsia e parimit Bona Fide! Nj\u00eb analiz\u00eb mbi p\u00ebrplasjen midis s\u00eb drejt\u00ebs reale, interesit penal publik dhe siguris\u00eb juridike n\u00eb tregun shqiptar t\u00eb nd\u00ebrtimit.<\/em><\/p>\n<p>Hyrje<\/p>\n<p>N\u00eb Tiran\u00eb, nd\u00ebrtimi i kullave t\u00eb reja po transformon rr\u00ebnj\u00ebsisht pamjen e qytetit. Ndryshe nga simotrat e saj n\u00eb Maqedoni apo Mal t\u00eb Zi, ku vala e nd\u00ebrtimeve t\u00eb nisura nj\u00eb dekad\u00eb m\u00eb par\u00eb ka ngecur dhe shihen struktura t\u00eb braktisura me skela t\u00eb ndryshkura e pem\u00eb t\u00eb mbira nd\u00ebr to, Tirana po p\u00ebrjeton nj\u00eb bum nd\u00ebrtimor intensiv, me betoniere q\u00eb l\u00ebvizin 24\/7 \u2013 nj\u00eb rit\u00ebm q\u00eb rrall\u00eb shihet edhe n\u00eb qytete m\u00eb t\u00eb zhvilluara evropiane si Milano dhe Lond\u00ebr!<\/p>\n<p>Kur nj\u00eb mik\/klient na rr\u00ebfeu pak koh\u00eb m\u00eb par\u00eb se autoritetet nuk po i pranonin nj\u00eb projekt 20-kat\u00ebsh n\u00eb qend\u00ebr t\u00eb Tiran\u00ebs sepse k\u00ebrkohej nga KM t\u00eb ishte minimalisht 30 kate, shfaq\u00ebm skepticiz\u00ebm. Por, kur n\u00eb nj\u00eb aktivitet t\u00eb fundit d\u00ebgjuam nj\u00eb nga arkitekt\u00ebt m\u00eb t\u00eb njohur evropian\u00eb t\u00eb deklaronte se Kryeministri po merrej personalisht jo vet\u00ebm me lart\u00ebsin\u00eb, por edhe me dizajnin dhe ngjyr\u00ebn e fasad\u00ebs s\u00eb \u00e7do kulle, i dham\u00eb t\u00eb drejt\u00eb dhe klienti filloi t\u00eb ndryshoj\u00eb projektin. Por kjo ishte pjesa e thjesht\u00eb. Ana e v\u00ebshtir\u00eb ishte sigurisht si p\u00ebr \u00e7do investitor: Financimi, parat\u00eb p\u00ebr nj\u00eb projekt qe do rritej me 10 kate minimumi dhe 30% t\u00eb vler\u00ebs.<\/p>\n<p>Tirana \u00ebsht\u00eb sot poli kryesor i zhvillimit nd\u00ebrtimor n\u00eb Shqip\u00ebri, dhe me shum\u00eb gjas\u00eb Vlora do t\u00eb jet\u00eb i dyti n\u00eb t\u00eb ardhmen e af\u00ebrt.<\/p>\n<p>Por Tirana nuk \u00ebsht\u00eb as Milano, as Monako, e as Dubai ku interesi n\u00eb blerje ndaj strukturave nd\u00ebrtimore \u00ebsht\u00eb normal super i lart\u00eb. Shp\u00ebrthimi i nd\u00ebrtimeve n\u00eb vlera dhjet\u00ebra milion\u00eb euro, ne Tiran\u00eb ka ngritur pyetjen qendrore lidhur me misterin num\u00ebr 1: Nga buron financimi?<\/p>\n<p>Nj\u00eb vit m\u00eb par\u00eb, Shqip\u00ebria u hoq nga lista gri e Moneyval, nj\u00ebsoj si Emiratet e Bashkuara Arabe s\u00eb fundmi. Por, p\u00ebrtej financimeve t\u00eb ligjshme nga bankat, ekziston nj\u00eb shqet\u00ebsim i thell\u00eb publik \u2013 i nxitur edhe nga t\u00eb dh\u00ebna t\u00eb dala nga p\u00ebrgjimet masive n\u00eb platformat Sky ECC dhe EncroChat, pjes\u00eb e operacionit \u201cVanilla\u201d \u2013 p\u00ebr p\u00ebrfshirjen e organizatave kriminale n\u00eb skema pastrimi parash p\u00ebrmes investimeve n\u00eb sektorin e nd\u00ebrtimit. Kjo dhe p\u00ebrpjekjet deri diku pozitive dhe k\u00ebmb\u00ebngul\u00ebse t\u00eb prokuroris\u00eb e kan\u00eb b\u00ebr\u00eb tregun e nd\u00ebrtimit, treg me rrezik t\u00eb lart\u00eb.<\/p>\n<p>Shqet\u00ebsimi publik pra rreth hijeve t\u00eb kapitalit n\u00eb kullat gjigande q\u00eb po ngrihen e ka burimin se ndoshta ndodh p\u00ebrtej sistemit bankar. A mos kapitali buron n\u00eb zinxhir\u00eb joformal\u00ebsh q\u00eb fillojn\u00eb nga &#8220;\u00e7unat&#8221; n\u00eb Dubai, Antwerpen, Lond\u00ebr, Guayaquil e deri n\u00eb q\u00ebndra t\u00eb kontrollit t\u00eb rrjeteve kriminale t\u00eb p\u00ebrmendura n\u00eb dosjet e Sky ECC dhe EncroChat ? A \u00ebsht\u00eb reale apo nj\u00eb legjend\u00eb urbane? Kjo \u00ebsht\u00eb nj\u00eb sfid\u00eb reale p\u00ebr shtetin por dhe nj\u00eb sfid\u00eb e drejtp\u00ebrdrejt\u00eb p\u00ebr sistemin bankar \u2013 i cili p\u00ebrmes rregullave t\u00eb \u201ccompliance\u201d-it, ndershm\u00ebris\u00eb kontraktuale dhe barrave t\u00eb regjistruara, po p\u00ebrpiqet t\u00eb q\u00ebndroj\u00eb i mbrojtur n\u00eb nj\u00eb treg ku qarkullojn\u00eb kapitalet m\u00eb pak t\u00eb mbrojtura juridikisht dhe m\u00eb pak t\u00eb kontrolluara financiarisht n\u00eb gjith\u00eb rajonin.<\/p>\n<p>Por sektori bankar nuk mund t\u00eb rrij\u00eb jasht\u00eb k\u00ebtij zhvillimi t\u00eb fort\u00eb ekonomik. Ai ishte skeptik rreth financimit t\u00eb PPP pak vite m\u00eb par\u00eb dhe b\u00ebri shum\u00eb mir\u00eb, nd\u00ebrsa p\u00ebr tregun e nd\u00ebrtimit sektori bankar nuk mund t\u00eb rrij\u00eb jasht\u00eb. Pik\u00ebrisht n\u00eb k\u00ebt\u00eb terren kompleks, roli yn\u00eb si avokat\u00eb t\u00eb bankave \u00ebsht\u00eb t\u00eb mbrojm\u00eb ligjshm\u00ebrin\u00eb dhe sigurin\u00eb e financimeve, t\u00eb ndihmojm\u00eb bankat n\u00eb menaxhimin e riskut dhe n\u00eb ruajtjen e besimit t\u00eb publikut.<\/p>\n<p>N\u00eb k\u00ebshillimin ton\u00eb t\u00eb p\u00ebrditsh\u00ebm, ne u rekomandojm\u00eb bankave:<\/p>\n<ul>\n<li>T\u00eb ruajn\u00eb dhe p\u00ebrdit\u00ebsojn\u00eb vazhdimisht programet e pajtueshm\u00ebris\u00eb (compliance), pavar\u00ebsisht ndryshimeve n\u00eb treg;<\/li>\n<li>T\u00eb q\u00ebndrojn\u00eb pozitive dhe bashk\u00ebpunues me prokurorin\u00eb dhe t\u00eb dokumentojn\u00eb qart\u00eb d\u00ebmet potenciale q\u00eb mund t\u00eb sjell\u00eb nj\u00eb hetim penal \u2013 qofshin k\u00ebto d\u00ebme financiare apo t\u00eb natyr\u00ebs s\u00eb reputacionit;<\/li>\n<li>T\u00eb tregojn\u00eb kujdes t\u00eb shtuar n\u00eb tregje me rrezik t\u00eb lart\u00eb.<\/li>\n<\/ul>\n<p>\u00cbsht\u00eb e r\u00ebnd\u00ebsishme t\u00eb theksojm\u00eb p\u00ebr publikun e gjer\u00eb: bankat nuk \u201cprodhojn\u00eb\u201d para \u2013 ato menaxhojn\u00eb kursimet e qytetar\u00ebve t\u00eb zakonsh\u00ebm, t\u00eb cilat i investojn\u00eb n\u00ebp\u00ebrmjet kredidh\u00ebnies, gjithmon\u00eb t\u00eb mb\u00ebshtetura n\u00eb garanci reale (kolateral). Megjithat\u00eb, edhe kur bankat kan\u00eb ndjekur t\u00eb gjitha procedurat dhe kan\u00eb garantuar kredin\u00eb me pasuri t\u00eb paluajtshme, ndodhin situata kur prona (kulla n\u00eb nd\u00ebrtim) b\u00ebhet objekt i sekuestrimit penal, p\u00ebr shkak t\u00eb hetimeve p\u00ebr pastrim parash apo krim t\u00eb organizuar.<\/p>\n<p>N\u00eb k\u00ebto raste, nd\u00ebrkoh\u00eb q\u00eb garancia reale (hipoteka) supozohet t\u00eb jet\u00eb nj\u00eb mekaniz\u00ebm sigurie p\u00ebr bank\u00ebn n\u00eb shlyerjen e detyrimeve, ajo mund t\u00eb bjer\u00eb pre e nj\u00eb konfiskimi penal, si pasuri e dyshuar q\u00eb rrjedh nga aktivitet kriminal. Kjo p\u00ebrb\u00ebn nj\u00eb k\u00ebrc\u00ebnim serioz p\u00ebr sigurin\u00eb juridike t\u00eb financimeve bankare dhe kursimet e qytetareve.<\/p>\n<p>Gjykatat shqiptare po p\u00ebrballen gjithnj\u00eb e m\u00eb shpesh me k\u00ebt\u00eb dilem\u00eb delikate: si t\u00eb balancojn\u00eb t\u00eb drejt\u00ebn e ligjshme t\u00eb bankave \u2013 si pal\u00eb t\u00eb treta n\u00eb mir\u00ebbesim \u2013 me interesin publik p\u00ebr t\u00eb luftuar pastrimin e parave dhe krimin e organizuar?<\/p>\n<p>Ky artikull synon t\u00eb analizoj\u00eb k\u00ebto zhvillime, duke ofruar zgjidhje t\u00eb mundshme dhe m\u00ebsime t\u00eb nxjerra nga praktikat evropiane, dhe raste qe kemi ndjekur p\u00ebr t\u00eb mb\u00ebshtetur bankat n\u00eb misionin e tyre p\u00ebr zhvillim ekonomik t\u00eb q\u00ebndruesh\u00ebm dhe ligjshm\u00ebri.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Eduart HALIMI Arlind AHMETAJ &nbsp; Hijet e kapitalit n\u00eb Kullat gjigande t\u00eb Tiran\u00ebs: Bankat n\u00eb sfid\u00ebn p\u00ebr mbrojtjen e kredive. P\u00ebrballja e heshtur me SPAK dhe r\u00ebnd\u00ebsia e parimit Bona Fide! Nj\u00eb analiz\u00eb mbi p\u00ebrplasjen midis s\u00eb drejt\u00ebs reale, interesit penal publik dhe siguris\u00eb juridike n\u00eb tregun shqiptar t\u00eb nd\u00ebrtimit. Hyrje N\u00eb Tiran\u00eb, nd\u00ebrtimi i &hellip;<\/p>\n","protected":false},"author":3,"featured_media":116675,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[],"class_list":["post-116674","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-editorial"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/116674","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=116674"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/116674\/revisions"}],"predecessor-version":[{"id":116676,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/116674\/revisions\/116676"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/116675"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=116674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=116674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=116674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}