{"id":9645,"date":"2016-04-04T13:38:31","date_gmt":"2016-04-04T12:38:31","guid":{"rendered":"http:\/\/shekulliagency.com\/?p=9645"},"modified":"2016-04-04T13:43:52","modified_gmt":"2016-04-04T12:43:52","slug":"sektori-bankar-dhe-kredite-ne-turqi","status":"publish","type":"post","link":"https:\/\/alb.shekulliagency.com\/?p=9645","title":{"rendered":"Sektori bankar dhe kredit\u00eb n\u00eb Turqi"},"content":{"rendered":"

N\u00eb k\u00ebt\u00eb artikull do t\u2019ju informojm\u00eb n\u00eb lidhje me sektorin bankar dhe kredit\u00eb n\u00eb Republik\u00ebn e Turqis\u00eb, si dhe p\u00ebr r\u00ebnd\u00ebsin\u00eb e k\u00ebtij sektori n\u00eb ekonomin\u00eb e vendit.<\/strong><\/span><\/p>\n

\"lir-5433\"<\/a>Sektori bankar dhe mund\u00ebsit\u00eb e kreditimit t\u00eb ofruara nga ky sektor kan\u00eb nj\u00eb r\u00ebnd\u00ebsi jetike p\u00ebr ekonomit\u00eb e vendeve t\u00eb industrializuara dhe atyre n\u00eb zhvillim e sip\u00ebr. E th\u00ebn\u00eb me fjal\u00eb t\u00eb thjeshta, sektori bankar luan rolin e ur\u00ebs nd\u00ebrmjet qytetar\u00ebve, q\u00eb kursejn\u00eb nj\u00eb pjes\u00eb t\u00eb t\u00eb ardhurave t\u00eb tyre, dhe sip\u00ebrmarr\u00ebsve, q\u00eb duan t\u00eb b\u00ebjn\u00eb investime. Ky sistem operon n\u00eb m\u00ebnyra t\u00eb ndryshme q\u00eb prej shpikjes s\u00eb paras\u00eb dhe p\u00ebrhapjes s\u00eb p\u00ebrdorimit t\u00eb saj n\u00eb mas\u00eb. N\u00eb k\u00ebt\u00eb aspekt, bankat kan\u00eb sip\u00ebrmarr\u00eb nj\u00eb mision me pesh\u00eb institucionale gjat\u00eb 300 viteve t\u00eb fundit. Te vendet, ku sektori bankar funksionon si duhet, investitor\u00ebt e besuesh\u00ebm gjejn\u00eb leht\u00ebsisht kredi me norma interesi t\u00eb favorshme. Rrjedhimisht, investimet n\u00eb k\u00ebto vende realizohen me shpejt\u00ebsi duke sjell\u00eb rritje t\u00eb pun\u00ebsimit dhe t\u00eb ekonomis\u00eb. Nd\u00ebrsa kriza e madhe e tregut t\u00eb aksioneve n\u00eb vitin 1929 dhe kriza financiare bot\u00ebrore e 2008-s kan\u00eb shpalosur sesi nj\u00eb problem, q\u00eb krijohet n\u00eb sektorin bankar, mund t\u00eb prek\u00eb t\u00eb gjitha fushat e ekonomis\u00eb dhe ve\u00e7an\u00ebrisht pun\u00ebsimin. Prandaj nj\u00eb sektor bankar i fuqish\u00ebm dhe i zhvilluar \u00ebsht\u00eb i mjaft i r\u00ebnd\u00ebsish\u00ebm p\u00ebr t\u00eb garantuar rritje ekonomike t\u00eb vazhdueshme dhe t\u00eb q\u00ebndrueshme p\u00ebr vendet, si dhe pun\u00ebsim p\u00ebr qytetar\u00ebt e tyre.<\/p>\n

R\u00ebnd\u00ebsi t\u00eb madhe sektori bankar dhe kredit\u00eb e mund\u00ebsuara nga ky sektor kan\u00eb gjithashtu p\u00ebr ekonomin\u00eb turke n\u00eb zhvillim. Pas kriz\u00ebs s\u00eb vitit 2001, sektori bankar n\u00eb Turqi \u00ebsht\u00eb riorganizuar dhe ristrukturuar sipas standardeve bot\u00ebrore fal\u00eb disa hapave, q\u00eb ishin b\u00ebr\u00eb t\u00eb domosdoshme.Vendimet e nxjerra pas kriz\u00ebs n\u00eb fjal\u00eb dhe angazhimi i institucioneve rregulluese siguruan ingranimin e mekanizmit t\u00eb kontrollit dhe hyrjen n\u00eb fuqi t\u00eb nj\u00eb s\u00ebr\u00eb ligjeve t\u00eb reja n\u00eb sektorin financiar dhe bankar t\u00eb vendit. T\u00eb gjitha bankat turke u rikapitalizuan sipas kritereve nd\u00ebrkomb\u00ebtare dhe nj\u00ebkoh\u00ebsisht filluan t\u00eb kontrollohen rrept\u00ebsisht\u00eb nga Agjencia Rregulluese dhe Mbik\u00ebqyr\u00ebse e Sektorit Bankar (BRSA) n\u00eb Turqi. Fal\u00eb k\u00ebtyre rregullave t\u00eb reja dhe mekanizmit t\u00eb kontrollit t\u00eb vazhduesh\u00ebm, bankat turke u fuqizuan me shpejt\u00ebsi pas vitit 2001 duke u kthyer n\u00eb qend\u00ebr graviteti p\u00ebr investitor\u00ebt, sidomos ata t\u00eb huaj. Teksa n\u00eb Evrop\u00eb dhe m\u00eb gjer\u00eb shum\u00eb banka u prek\u00ebn, madje dhe falimentuan p\u00ebr shkak t\u00eb kriz\u00ebs financiare bot\u00ebrore t\u00eb vitit 2008, bankat turke dol\u00ebn m\u00eb t\u00eb fuqishme nga ky depresion ekonomik me p\u00ebrmasa globale. Themelet e sh\u00ebndosha t\u00eb sektorit bankar n\u00eb Turqi mund\u00ebsuan q\u00eb vendi ta kap\u00ebrcej\u00eb kriz\u00ebn e sip\u00ebrcituar me d\u00ebme minimale.<\/p>\n

Sipas t\u00eb dh\u00ebnave t\u00eb Bank\u00ebs Qendrore, v\u00ebllimi i kredive t\u00eb siguruara nga bankat e kursimeve n\u00eb Turqi \u00ebsht\u00eb rritur n\u00eb 1,28 trilion\u00eb lira turke (TL) n\u00eb fund t\u00eb 2015-s, nga 32 miliard\u00eb TL q\u00eb ishte n\u00eb vitin 2001. Gjat\u00eb t\u00eb nj\u00ebjt\u00ebs periudhe, kredit\u00eb e livruara nga bankat turke t\u00eb zhvillimit dhe t\u00eb investimit kan\u00eb arritur nivelin 72,5 miliard\u00eb TL, nga 2,7 miliard\u00eb TL q\u00eb ishin m\u00eb par\u00eb. Nj\u00eb tjet\u00ebr ep\u00ebrsi e sektorit bankar turk ka t\u00eb b\u00ebj\u00eb me cil\u00ebsin\u00eb e kredive t\u00eb l\u00ebshuara pre tij. P\u00ebrve\u00e7 mund\u00ebsimit t\u00eb kredive p\u00ebr sip\u00ebrmarr\u00ebsit, bankat kan\u00eb si mision edhe mbrojtjen e kursimeve q\u00eb marrin nga qytetar\u00ebt p\u00ebr t’i shfryt\u00ebzuar n\u00eb financimin e kredive. E vler\u00ebsuar n\u00eb k\u00ebt\u00eb aspekt, niveli i kredive t\u00eb k\u00ebqija (term teknik q\u00eb p\u00ebrshkruan kredit\u00eb e dh\u00ebna nga bankat dhe q\u00eb nuk shlyhen nga klient\u00ebt \u2013 sh\u00ebn. i p\u00ebrkth.)<\/em> n\u00eb raport me totalin e kredive \u00ebsht\u00eb vet\u00ebm 3,1%. Ky raport \u00ebsht\u00eb 4,5% n\u00eb Franc\u00eb, 11,2 n\u00eb Portugali dhe 34,3% n\u00eb Greqi, nj\u00eb vend ky n\u00eb kriz\u00eb prej 8 vitesh. Niveli i ul\u00ebt i kredive t\u00eb k\u00ebqija jo vet\u00ebm q\u00eb redukton probabilitetin e humbjeve n\u00eb d\u00ebm t\u00eb bankave, por nj\u00ebher\u00ebsh u mund\u00ebson k\u00ebtyre t\u00eb fundit q\u00eb t\u00eb mbledhin kursime dhe t\u00eb japin kredi p\u00ebr investime t\u00eb besueshme m\u00eb leht\u00ebsisht.<\/p>\n

Si p\u00ebrfundim, sektori bankar dhe kredit\u00eb e siguruara nga ky sektor jan\u00eb me r\u00ebnd\u00ebsi madhore p\u00ebr vendet n\u00eb zhvillim dhe p\u00ebr ato t\u00eb industrializuara. Sektori bankar luan rolin e ur\u00ebs nd\u00ebrmjet qytetar\u00ebve, q\u00eb kursejn\u00eb nj\u00eb pjes\u00eb t\u00eb t\u00eb ardhurave t\u00eb tyre, dhe sip\u00ebrmarr\u00ebsve, t\u00eb cil\u00ebt duan t\u00eb b\u00ebjn\u00eb investime dhe k\u00ebrkojn\u00eb kredi me kosto t\u00eb ul\u00ebta. Me sa \u00ebsht\u00eb v\u00ebrejtur dhe konstatuar deri m\u00eb sot, krizat n\u00eb sektorin bankar prekin jo vet\u00ebm financ\u00ebn, por edhe tregun real. Rrjedhimisht, nj\u00eb sektor bankar i fuqish\u00ebm kontribuon n\u00eb rritjen e ekonomis\u00eb, investimeve dhe pun\u00ebsimit n\u00eb vend. Sidomos n\u00eb dekad\u00ebn e fundit sektori bankar ka fituar r\u00ebnd\u00ebsi t\u00eb madhe edhe n\u00eb ekonomin\u00eb e Turqis\u00eb, si nj\u00eb nd\u00ebr shtetet n\u00eb zhvillim. I p\u00ebrforcuar me nj\u00eb s\u00ebr\u00eb rregullimesh dhe masash t\u00eb rrepta pas kriz\u00ebs s\u00eb vitit 2001, sektori bankar turk \u00ebsht\u00eb renditur me kalimin e koh\u00ebs nd\u00ebr aktor\u00ebt kryesor\u00eb t\u00eb rritjes ekonomike n\u00eb vend. Gjat\u00eb k\u00ebtij procesi, sasia e kredive t\u00eb dh\u00ebna \u00ebsht\u00eb rritur ndjesh\u00ebm dhe rreziku i shlyerjes s\u00eb borxhit ka r\u00ebn\u00eb n\u00eb nivele minimale. P\u00ebr vijim\u00ebsin\u00eb e zhvillimit ekonomik t\u00eb vendit, sektori bankar turk do t\u00eb vazhdoj\u00eb t\u00eb fuqizohet dhe t\u00eb luaj\u00eb nj\u00eb rol pararoj\u00eb n\u00eb rritjen e investimeve, pun\u00ebsimit dhe nivelit t\u00eb mir\u00ebqenies s\u00eb qytetar\u00ebve t\u00eb Republik\u00ebs s\u00eb Turqis\u00eb.<\/p>\n

\/TRTshqip\/<\/a><\/span><\/strong><\/p>\n

Autor: As. prof. dr. Huseyin Karamelikli – Pedagog n\u00eb Fakultetin e Shkencave Ekonomike t\u00eb Universitetit \u201cKarabuk”, Karabyk<\/em><\/p>\n

Shqip\u00ebroi: Hilmi Velagoshti – Gazetar n\u00eb Departamentin e Transmetimeve t\u00eb Jashtme, TRT, Ankara<\/a><\/em><\/strong><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u00eb k\u00ebt\u00eb artikull do t\u2019ju informojm\u00eb n\u00eb lidhje me sektorin bankar dhe kredit\u00eb n\u00eb Republik\u00ebn e Turqis\u00eb, si dhe p\u00ebr r\u00ebnd\u00ebsin\u00eb e k\u00ebtij sektori n\u00eb ekonomin\u00eb e vendit. Sektori bankar…<\/p>\n","protected":false},"author":1,"featured_media":9649,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-9645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/posts\/9645"}],"collection":[{"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9645"}],"version-history":[{"count":3,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/posts\/9645\/revisions"}],"predecessor-version":[{"id":9650,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/posts\/9645\/revisions\/9650"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=\/wp\/v2\/media\/9649"}],"wp:attachment":[{"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alb.shekulliagency.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}