Fondi Monetar Nd\u00ebrkomb\u00ebtar i k\u00ebrkoi publikisht Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb q\u00eb t\u00eb mos luaj\u00eb me standardet e mbikqyrjes dhe t\u00eb zhb\u00ebj\u00eb leht\u00ebsimet e fundit t\u00eb kreditimit p\u00ebr koncesionet e rrug\u00ebve, porteve dhe aeroporteve. K\u00ebrkesa e drejt\u00ebp\u00ebrdrejt\u00eb ishte pjes\u00eb e deklarat\u00ebs p\u00ebrmbyll\u00ebse t\u00eb misionit t\u00eb FMN n\u00eb Tiran\u00eb.<\/p>\n
\u201cLeht\u00ebsimet e fundit n\u00eb nivelet e rrezikut n\u00eb kuad\u00ebr t\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit dhe ekspozimeve t\u00eb m\u00ebdha t\u00eb bankave p\u00ebr kredit\u00eb q\u00eb mb\u00ebshtesin infrastruktur\u00ebn strategjike t\u00eb transportit nuk jan\u00eb plot\u00ebsisht n\u00eb p\u00ebrputhje me standardet nd\u00ebrkomb\u00ebtare dhe duhet t\u00eb rishqyrtohen, pasi rregullimet prudenciale duhet t\u00eb bazohen n\u00eb rrezik dhe t\u00eb mos p\u00ebrdoren p\u00ebr t\u00eb inkurajuar huadh\u00ebnien n\u00eb sektor\u00eb specifik\u00eb,\u201d deklaroi FMN.<\/p>\n
N\u00eb korrik t\u00eb k\u00ebtij viti, Banka e Shqip\u00ebris\u00eb ndryshoi rregulloren p\u00ebr mjaftueshm\u00ebrin\u00eb e kapitalit duke p\u00ebrgjysmuar pesh\u00ebn e rrezikut p\u00ebr kredit\u00eb q\u00eb bankat private japin p\u00ebr koncesionet e rrug\u00ebve, porteve dhe aeroporteve. \u201cBankat ponderojn\u00eb ekspozimet ndaj shoq\u00ebrive tregtare q\u00eb financojn\u00eb projekte n\u00eb infrastruktur\u00eb strategjike transporti, me pesh\u00ebn e rrezikut 50%,\u201d thot\u00eb rregullorja e ndryshuar.<\/p>\n
Deri n\u00eb korrik \u00e7do kredi q\u00eb bankat jepnin p\u00ebr koncesionet klasifikohej me pesh\u00eb rreziku 100 p\u00ebr qind p\u00ebr efekt t\u00eb mjaftueshm\u00ebris\u00eb s\u00eb kapitalit. Rrjedhimisht sa m\u00eb shum\u00eb kredi jepte nj\u00eb bank\u00eb, aq m\u00eb shum\u00eb kapital duhet t\u00eb shtonte ajo p\u00ebr t\u00eb mbajtur brenda kufijve ligjore raportin e mjaftueshm\u00ebris\u00eb s\u00eb kapitalit.<\/p>\n
Por me ndryshimin e rregullores, kredit\u00eb e dh\u00ebna p\u00ebr bizneset q\u00eb nd\u00ebrtojn\u00eb rrug\u00eb, porte dhe aeroporte me koncesion, do t\u00eb ponderohen me gjysm\u00ebn e rrezikut, \u00e7ka u jep bankave m\u00eb shum\u00eb hap\u00ebsir\u00eb p\u00ebr t\u00eb kredituar k\u00ebto projekte pa patur nevoj\u00eb q\u00eb t\u00eb rrisin kapitalin.<\/p>\n
Ky ishte leht\u00ebsimi i par\u00eb, por jo i vet\u00ebm q\u00eb BSH miratoi n\u00eb korrik. Leht\u00ebsimi i dyt\u00eb ishte ai i zbutjes s\u00eb kufizimeve p\u00ebr ekspozimet e m\u00ebdha. Deri tre muaj m\u00eb par\u00eb, bankat shqiptare nuk mund t\u00eb jepnin kredi p\u00ebr nj\u00eb biznes t\u00eb caktuar me vler\u00eb m\u00eb t\u00eb madhe se sa 15 p\u00ebr qind e kapitalit t\u00eb bank\u00ebs.<\/p>\n
Kjo do t\u00eb thoshte se nj\u00eb bank\u00eb me kapital 100 milion\u00eb euro nuk mund t\u00eb jepte m\u00eb shum\u00eb se 15 milion\u00eb euro kredi p\u00ebr nj\u00eb projekt apo biznes t\u00eb vet\u00ebm. Por edhe kjo hap\u00ebsir\u00eb u dyfishua me rregulloren e re duke b\u00ebr\u00eb q\u00eb hap\u00ebsira e kreditimit t\u00eb bank\u00ebs me kapital 100 milion\u00eb euro p\u00ebr nj\u00eb biznes apo projekt t\u00eb vet\u00ebm t\u00eb shkoj\u00eb deri n\u00eb 30 milion\u00eb euro.<\/p>\n
Ndon\u00ebse Banka e Shqip\u00ebris\u00eb vendosi nj\u00eb mas\u00eb mbrojt\u00ebse kund\u00ebr k\u00ebtyre leht\u00ebsimeve duke u kufizuar bankave shp\u00ebrndarjen e dividentit kjo nuk e ka bindur FMN-n\u00eb, e cila k\u00ebrkon heqjen e leht\u00ebsimeve.<\/p>\n
Leht\u00ebsimi i kufizimeve rregullatore p\u00ebr projektet strategjike n\u00eb infrastruktur\u00eb ishte k\u00ebrkuar nga shoqata e bankave. P\u00ebrmes nj\u00eb k\u00ebrkes\u00eb zyrtare drejtuar Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, n\u00eb fillim t\u00eb k\u00ebtij viti, Shoqata e Bankave k\u00ebrkoni zbutjen e koefi\u00e7ient\u00ebve t\u00eb p\u00ebrllogaritjes s\u00eb riskut p\u00ebr kredit\u00eb q\u00eb jepen p\u00ebr nd\u00ebrtimin e veprave t\u00eb m\u00ebdha infrastrukturore si rrug\u00ebt, hekurudhat, portet, aeroportet dhe uj\u00ebsjell\u00ebsat.<\/p>\n
Por arsyeja e v\u00ebrtet\u00eb e investimit t\u00eb Shoqat\u00ebs s\u00eb Bankave n\u00eb k\u00ebt\u00eb \u00e7\u00ebshtje, si dhe e vendimarrjes s\u00eb BSH ishte flirtimi i disa bankave me kreditimin e projekteve t\u00eb m\u00ebdha koncesionare duke dal\u00eb t\u00ebr\u00ebsisht nga parametrat rregullator\u00eb t\u00eb mbikqyrjes. P\u00ebrtej k\u00ebsaj, rasti i fundit n\u00eb aeroportin e Vlor\u00ebs tregon se k\u00ebto kredi mund t\u00eb shnd\u00ebrrohen nj\u00eb nj\u00eb rrezik potencial, ndaj FMN i k\u00ebrkon Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb q\u00eb t\u00eb rikthej\u00eb standardet e mbikqyrjes.<\/p>\n","protected":false},"excerpt":{"rendered":"
Fondi Monetar Nd\u00ebrkomb\u00ebtar i k\u00ebrkoi publikisht Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb q\u00eb t\u00eb mos luaj\u00eb me standardet e mbikqyrjes dhe t\u00eb zhb\u00ebj\u00eb leht\u00ebsimet e fundit t\u00eb kreditimit p\u00ebr koncesionet e rrug\u00ebve, porteve dhe aeroporteve. K\u00ebrkesa e drejt\u00ebp\u00ebrdrejt\u00eb ishte pjes\u00eb e deklarat\u00ebs p\u00ebrmbyll\u00ebse t\u00eb misionit t\u00eb FMN n\u00eb Tiran\u00eb. \u201cLeht\u00ebsimet e fundit n\u00eb nivelet e rrezikut n\u00eb kuad\u00ebr …<\/p>\n","protected":false},"author":4,"featured_media":129035,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"class_list":["post-129034","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-politike"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/129034","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=129034"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/129034\/revisions"}],"predecessor-version":[{"id":129036,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/129034\/revisions\/129036"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/129035"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=129034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=129034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=129034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}