{"id":262,"date":"2013-06-12T16:32:34","date_gmt":"2013-06-12T14:32:34","guid":{"rendered":"http:\/\/prizrenpost.com\/al\/?p=262"},"modified":"2020-05-08T04:50:54","modified_gmt":"2020-05-08T02:50:54","slug":"ska-kredi-bankat-lufte-per-bono-thesari","status":"publish","type":"post","link":"https:\/\/prizrenpost.com\/al\/ska-kredi-bankat-lufte-per-bono-thesari\/","title":{"rendered":"S\u2019ka kredi, bankat \u201cluft\u00eb\u201d p\u00ebr bono thesari"},"content":{"rendered":"

\"\"<\/p>\n

Qeveria k\u00ebrkoi 130 milion\u00eb USD borxh, bankat ofruan m\u00eb shum\u00eb se 190 milion\u00eb USD. Ankandi, interesi p\u00ebr borxhin e qeveris\u00eb ulet n\u00eb 5.5 p\u00ebr qind. Interesi i bonove t\u00eb thesarit me afat 12-mujor ra n\u00eb 5.51 p\u00ebr qind.<\/strong> <\/p>\n

Lufta e bankave n\u00eb ankandin e fundit t\u00eb qeveris\u00eb b\u00ebri q\u00eb interesi p\u00ebr borxhin t\u00eb bjer\u00eb n\u00eb nivelet m\u00eb t\u00eb ul\u00ebta n\u00eb dekad\u00ebn e fundit. Qeveria k\u00ebrkoi nga bankat e nivelit t\u00eb dyt\u00eb dhe qytetar\u00ebt nj\u00eb shum\u00eb prej 13 miliard\u00eb lek\u00ebsh, rreth 130 milion\u00eb USD. K\u00ebrkesa e bankave e tejkalojn\u00eb ndjesh\u00ebm k\u00ebt\u00eb shif\u00ebr, shkruan “Panorama”.<\/p>\n

N\u00eb ankand, bankat s\u00eb bashku ofruan 19 miliard\u00eb lek\u00eb, ose rreth 190 milion\u00eb USD. Nga e gjith\u00eb kjo konkurrenc\u00eb, m\u00eb e fituar del qeveria, q\u00eb n\u00eb k\u00ebto momente krize t\u00eb ardhurash t\u00eb pakt\u00ebn po ul koston e financimit t\u00eb deficitit. Por, e kund\u00ebrta ndodh me ekonomin\u00eb. Lufta e bankave p\u00ebr bono ka si shkak t\u00eb par\u00eb uljen e kredidh\u00ebnies. Kursimet dhe depozitat e qytetar\u00ebve dhe biznesit nuk po shkojn\u00eb p\u00ebr financimin e ekonomis\u00eb, por t\u00eb qeveris\u00eb. Ulja e kreditimit b\u00ebn q\u00eb bankat t\u00eb ken\u00eb t\u00eb vetmen zgjidhje investimin n\u00eb bono.<\/p>\n

Bankat kan\u00eb m\u00eb shum\u00eb se 3 vjet q\u00eb kan\u00eb nj\u00eb sjellje negative ndaj biznesit. Normat e rritjes s\u00eb kredis\u00eb kan\u00eb r\u00ebn\u00eb n\u00eb 1 p\u00ebr qind, duke sjell\u00eb nj\u00eb stanjacion t\u00eb ekonomis\u00eb dhe uljen e investimeve private. Kjo b\u00ebn q\u00eb i vetmi instrument p\u00ebr zhvillimin e ekonomis\u00eb me an\u00eb t\u00eb investimeve t\u00eb jet\u00eb buxheti, dhe jo biznesi. \u00cbsht\u00eb leht\u00ebsisht e kuptueshme q\u00eb investimet e qeveris\u00eb jan\u00eb m\u00eb pak produktive sesa ato t\u00eb biznesit. Por, bankat jan\u00eb 100% t\u00eb sigurta se investimi n\u00eb bono \u00ebsht\u00eb i kthyesh\u00ebm totalisht, nd\u00ebrsa n\u00eb momente krize, biznesi \u00ebsht\u00eb m\u00eb pak i besuesh\u00ebm. Interesit t\u00eb qeveris\u00eb p\u00ebr uljen e normave t\u00eb bonove duket se i ka sh\u00ebrbyer edhe politika e Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/p>\n

Edhe pse banka \u00ebsht\u00eb mundur t\u00eb shpjegoj\u00eb uljen e norm\u00ebs baz\u00eb t\u00eb interesit, si nj\u00eb instrument p\u00ebr uljen e kostove t\u00eb kredis\u00eb, veprimet e saj i kan\u00eb sh\u00ebrbyer vet\u00ebm qeveris\u00eb. Interesi i kredis\u00eb n\u00eb lek\u00eb nuk ka ndryshuar q\u00eb nga viti 2011, nd\u00ebrkoh\u00eb q\u00eb interesi i lekut \u00ebsht\u00eb ulur n\u00eb 3.75 p\u00ebr qind. Nj\u00eb rekord ky p\u00ebr ekonomin\u00eb shqiptare. Vet\u00eb guvernatori ka pranuar se ulja e norm\u00ebs baz\u00eb t\u00eb interesit nuk u ka dh\u00ebn\u00eb shtys\u00eb bankave p\u00ebr t\u00eb leht\u00ebsuar koston e kredive. Por, nga ana tjet\u00ebr, s\u00ebrish duket se banka nuk \u00ebsht\u00eb dor\u00ebzuar. N\u00eb daljen e fundit publike, Fullani n\u00ebnkuptoi se shum\u00eb shpejt mund t\u00eb merret nj\u00eb tjet\u00ebr vendim p\u00ebr uljen, n\u00eb t\u00eb pakt\u00ebn 3.5% t\u00eb norm\u00ebs baz\u00eb t\u00eb interesit. Kjo, si nj\u00eb shpres\u00eb q\u00eb politika t\u00eb transmetohet te bankat edhe n\u00eb uljen e kostove t\u00eb kredis\u00eb.<\/p>\n","protected":false},"excerpt":{"rendered":"

Qeveria k\u00ebrkoi 130 milion\u00eb USD borxh, bankat ofruan m\u00eb shum\u00eb se 190 milion\u00eb USD. Ankandi, interesi p\u00ebr borxhin e qeveris\u00eb ulet n\u00eb 5.5 p\u00ebr qind. Interesi i bonove t\u00eb thesarit me afat 12-mujor ra n\u00eb 5.51 p\u00ebr qind. Lufta e bankave n\u00eb ankandin e fundit t\u00eb qeveris\u00eb b\u00ebri q\u00eb interesi p\u00ebr borxhin t\u00eb bjer\u00eb n\u00eb […]<\/p>\n","protected":false},"author":1,"featured_media":58107,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[929,52],"class_list":["post-262","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-sali-berisha","tag-shqiperi"],"_links":{"self":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts\/262","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/comments?post=262"}],"version-history":[{"count":1,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts\/262\/revisions"}],"predecessor-version":[{"id":58319,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/posts\/262\/revisions\/58319"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/media\/58107"}],"wp:attachment":[{"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/media?parent=262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/categories?post=262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prizrenpost.com\/al\/wp-json\/wp\/v2\/tags?post=262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}