Zhvillimi I Produkteve Bankare, Banka Kombetare Tregtare

In: Business and Management

Submitted By igliferati
Words 2512
Pages 11
Sistemi financiar në vendin tonë i konceptuar si tërësi e tre komponentëve:

institucioneve, tregjeve dhe instrumenteve financiare, ka përballuar mjaft sfida e vështirësi

në rrugën e zhvillimit e të konsolidimit të tij gjatë 10 viteve të fundit. Nuk mjaftuan kushtet

e disfavorshme makroekonomike, financiare dhe prapambetja në zhvillimin e institucioneve

bankare e financiare në të cilat kjo reformë filloi, por ajo u përball edhe me mjaft vështirësi

të brendshme të saj që buronin nga rritja e vazhdueshme e kredive të këqija, mungesa e

eksperiencës në fushën e mbikëqyrjes bankare, ineficienca e sistemit të pagesave etj.. Këto

vështirësi arritën kulmin me krizën e piramidave, që shërbeu si një shkëndijë që destabilizoi

gjithë vendin dhe e futi ekonominë shqiptare në një kolaps të plotë. Për vetë trashëgiminë dhe

nivelin e arritur të zhvillimit, sistemi bankar zë peshën më të rëndësishme në sistemin financiar

të vendit tonë.

Vitet 1991-1992 shënuan krijimin e sistemit të ri bankar nga pikëpamja e organizimit sipas

modelit të vendeve perëndimore. Kuadri ligjor në këtë periudhë bëri të mundur kalimin e

sistemit bankar njënivelor në sistem bankar dynivelor. Si bankë e nivelit të parë u krijua Banka e

Shqipërisë (BSH) me atributet e një banke qendrore, ndërsa në nivelin e dytë operonin tre banka

me kapital shtetëror: Banka Kombëtare Tregtare (BKT), Banka e Kursimeve (BK) dhe Banka e

Bujqësisë dhe e Zhvillimit që shpejt ndërroi emrin në Banka Tregtare Agrare (BTA). Zhvillimet

e viteve të mëvonshme u karakterizuan nga kryerja e reformave në këto banka si dhe krijimi dhe

zgjerimi i veprimtarisë bankare nga banka të reja private. Reforma në sistemin bankar, e cila

synonte rritjen e efektshmërisë në tregun bankar, krahas realizimit, fillimisht të ristrukturimit, u

mbështet në privatizimin e tyre.…...

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