Nebanku kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai nozares uzraudz\u012bbas maksas samazin\u0101tu par 57%, a\u0123ent\u016brai LETA pauda Finan\u0161u ministrij\u0101 (FM).<\/p>\n
Atbilsto\u0161i FM r\u012bc\u012bb\u0101 eso\u0161ajiem datiem tie\u0161\u0101s Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centrs (PTAC) izmaksas, kas saist\u012btas ar uzraudz\u012bbas funkcijas nodro\u0161in\u0101\u0161anu, ietverot 11 darbinieku atalgojumu, ik gadu veido 390 000 eiro. Savuk\u0101rt tie\u0161\u0101s papildu izmaksas, kas rastos, \u0161o funkciju p\u0101r\u0146emot Latvijas Bankai, ik gadu veidotu 352 800 eiro.<\/p>\n
FM \u0161obr\u012bd gatavo informat\u012bvo zi\u0146ojumu, kur\u0101 paredz\u0113tais risin\u0101jums atcelt ikgad\u0113jo valsts nodevu par kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju licences izsnieg\u0161anu un ikgad\u0113jo darb\u012bbas uzraudz\u012bbu. P\u0113c PTAC datiem, ie\u0146\u0113mumi no ikgad\u0113j\u0101s uzraudz\u012bbas nodevas laika posm\u0101 no 2020. l\u012bdz 2024. gadam sv\u0101rst\u012bj\u0101s aptuveni no 1,94 miljoniem l\u012bdz 2,4 miljoniem eiro gad\u0101, savuk\u0101rt licences izsnieg\u0161anas nodeva b\u016btiskus ie\u0146\u0113mumus rad\u012bjusi tikai 2022. gad\u0101 – 250 000 eiro.<\/p>\n
\u0145emot v\u0113r\u0101 min\u0113tos datus, FM pied\u0101v\u0101tais risin\u0101jums noz\u012bm\u0113tu, ka nozares veicam\u0101s ikgad\u0113j\u0101s uzraudz\u012bbas maksas samazin\u0101tos vismaz par 57% gad\u0101, vienlaikus valsts bud\u017eetam radot negat\u012bvu ietekmi ap 1,7 miljonu eiro apm\u0113r\u0101 gad\u0101, ko veido atcelt\u0101s valsts nodevas ie\u0146\u0113mumi, atskaitot PTAC attiec\u012bg\u0101s noda\u013cas tie\u0161\u0101s darb\u012bbas izmaksas.<\/p>\n
Koment\u0113jot PTAC iepriek\u0161 pausto, ka nebanku kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai valstij un komersantiem var\u0113tu izmaks\u0101t no 3,5 miljoniem l\u012bdz asto\u0146iem miljoniem eiro, FM v\u0113rsa uzman\u012bbu, ka apr\u0113\u0137inos nevar past\u0101v\u0113t tik b\u016btiska izmaksu amplit\u016bda – no 3,5 miljoniem l\u012bdz asto\u0146iem miljoniem eiro. FM uzsver, ka \u0161\u0101da piecu miljonu eiro starp\u012bba nor\u0101da uz apr\u0113\u0137inu metodolo\u0123ijas nepiln\u012bb\u0101m, nevis uz prec\u012bzu fisk\u0101l\u0101s ietekmes nov\u0113rt\u0113jumu.<\/p>\n
T\u0101d\u0113j\u0101di FM uzsv\u0113ra, ka ministrijas pl\u0101notais risin\u0101jums samazina finansi\u0101lo slogu nozarei, bet vienlaikus rada skaidri identific\u0113jamu un kvantific\u0113jamu negat\u012bvu fisk\u0101lo ietekmi, pret\u0113ji publiski izskan\u0113ju\u0161ajiem vair\u0101ku miljonu eiro izmaksu pie\u0146\u0113mumiem.<\/p>\n
FM iepriek\u0161 jau nor\u0101d\u012bja, ka nebanku jeb pat\u0113r\u0113t\u0101ju kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai mazin\u0101tu uzraudz\u012bbas sadrumstalot\u012bbu, funkciju dubl\u0113\u0161anos. T\u0101pat, mainoties uzraudz\u012bbas finans\u0113\u0161anas modelim, nozare ieg\u016btu finansi\u0101lu ietaup\u012bjumu uzraudz\u012bbas maks\u0101jumu veid\u0101, kas var\u0113tu tikt novirz\u012bts kredit\u0113\u0161anas aktivit\u0101tei.<\/p>\n
Ministrij\u0101 nor\u0101da, ka diskusijas par pat\u0113r\u0113t\u0101ju kredit\u0113t\u0101ju uzraudz\u012bbas sist\u0113mu reformu ir biju\u0161as jau ilgsto\u0161as, un t\u0101s tika aktualiz\u0113tas 2025. gada s\u0101kum\u0101 ar Ekonomikas ministrijas sagatavoto R\u012bc\u012bbas pl\u0101nu invest\u012bciju piesaistei finan\u0161u pieejam\u012bbai tautsaimniec\u012bb\u0101, k\u0101 galveno v\u0113rt\u0113jamo probl\u0113mu nosakot administrat\u012bv\u0101 sloga samazin\u0101\u0161anu un pla\u0161\u0101ku finan\u0161u pieejam\u012bbu.<\/p>\n
Patlaban regul\u0113jums paredz, ka kredit\u0113t\u0101ju licenc\u0113\u0161anas, uzraudz\u012bbas un kontroles funkciju veic tr\u012bs nacion\u0101la l\u012bme\u0146a uzraudz\u012bbas instit\u016bcijas – Latvijas Banka, Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centrs (PTAC) un Valsts ie\u0146\u0113mumu dienests (VID), un uzraudz\u012bbas intensit\u0101te un fokuss at\u0161\u0137iras, \u0146emot v\u0113r\u0101 konkr\u0113to finan\u0161u pakalpojumu sniedz\u0113ju darb\u012bbai piem\u012bto\u0161o risku.<\/p>\n
FM skaidro, ka ir situ\u0101cijas, kad, piem\u0113ram, kred\u012btiest\u0101des meitassabiedr\u012bbai, kura ir pat\u0113r\u0113t\u0101ju kred\u012btu sniedz\u0113ja, licenci izsniedz un uzraudz\u012bbu nodro\u0161ina PTAC, bet m\u0101tessabiedr\u012bbai, proti, kred\u012btiest\u0101dei, uzraudz\u012bbu nodro\u0161ina Latvijas Banka. Tas rada uzraudz\u012bbas sadrumstalot\u012bbu.<\/p>\n
T\u0101pat FM skaidro, ka uzraudz\u012bbas sadrumstalot\u012bba nov\u0113rojama noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas jom\u0101 starp subjektiem, kurus uzrauga PTAC un VID, \u0146emot v\u0113r\u0101 to, ka ir t\u0101di pakalpojumu sniedz\u0113ji, kas sniedz kredit\u0113\u0161anas pakalpojumus gan pat\u0113r\u0113t\u0101jiem, gan juridiskaj\u0101m person\u0101m, kur uzraudz\u012bbas funkciju veic gan VID, gan PTAC, piem\u0113ram, “Att\u012bst\u012bbas finan\u0161u instit\u016bcija “Altum””. L\u012bdz ar to veidojas situ\u0101cija, kad vienam kredit\u0113\u0161anas pakalpojumu sniedz\u0113jam ir vair\u0101kas uzraudz\u012bbas iest\u0101des, kas praks\u0113 var noz\u012bm\u0113t ar\u012b paral\u0113las kl\u0101tienes un nekl\u0101tienes p\u0101rbaudes.<\/p>\n
T\u0101d\u0113\u013c FM secina, ka valsts instit\u016bciju starp\u0101 finan\u0161u un cilv\u0113kresursi netiek efekt\u012bvi koncentr\u0113ti vienuviet, kas var nor\u0101d\u012bt uz lieku administrat\u012bvo slogu un no funkcij\u0101m izrieto\u0161u uzdevumu dubl\u0113\u0161anos.<\/p>\n
L\u012bdz ar to ar pied\u0101v\u0101to funkciju nodo\u0161ana Latvijas Bankai FM ieskat\u0101 mazin\u0101tu uzraudz\u012bbas sadrumstalot\u012bbu, funkciju dubl\u0113\u0161anos, k\u0101 ar\u012b, mainoties uzraudz\u012bbas finans\u0113\u0161anas modelim, nozare ieg\u016btu ar\u012b finansi\u0101lu ietaup\u012bjumu uzraudz\u012bbas maks\u0101jumu veid\u0101, kas var\u0113tu tikt novirz\u012bts kredit\u0113\u0161anas aktivit\u0101tei.<\/p>\n
Apvienojot uzraudz\u012bbu un pat\u0113r\u0113t\u0101ju ties\u012bbu un intere\u0161u aizsardz\u012bbu un negod\u012bgas komercprakses uzraudz\u012bbu vien\u0101 instit\u016bcij\u0101, tiek pan\u0101kta liel\u0101ka saska\u0146ot\u012bba un koordin\u0101cija finan\u0161u sektora uzraudz\u012bbas jom\u0101, \u012bpa\u0161i situ\u0101cij\u0101s, kad ir svar\u012bga instit\u016bciju savstarp\u0113j\u0101 sadarb\u012bba, piem\u0113ram, m\u0101jok\u013cu kredit\u0113\u0161anas procesos, skaidro FM.<\/p>\n
Ministrij\u0101 nor\u0101da, ka vienotas instit\u016bcijas ietvaros iesp\u0113jams \u0101tr\u0101k un efekt\u012bv\u0101k identific\u0113t probl\u0113mas, analiz\u0113t datus, izstr\u0101d\u0101t risin\u0101jumus un ieviest politikas pas\u0101kumus. Papildus tam, s\u016bdz\u012bbu un str\u012bdu izskat\u012b\u0161ana vien\u0101 iest\u0101d\u0113 nodro\u0161ina gan vienotu praksi, gan \u0113rt\u0101ku procesu pat\u0113r\u0113t\u0101jiem. Tas mazina birokr\u0101tiju, pa\u0101trina lietu izskat\u012b\u0161anu un stiprina sabiedr\u012bbas uztic\u0113\u0161anos finan\u0161u sist\u0113mas p\u0101rraudz\u012bbai kopum\u0101, uzsver FM.<\/p>\n
Pla\u0161\u0101ks mand\u0101ts Latvijas Bankai pat\u0113r\u0113t\u0101ju aizsardz\u012bb\u0101 finan\u0161u sektor\u0101 \u013cautu veidot l\u012bdzsvarotu uzraudz\u012bbas ietvaru, kur\u0101 tiktu \u0146emti v\u0113r\u0101 ne tikai riski finan\u0161u stabilit\u0101tei, bet ar\u012b mazin\u0101ts administrat\u012bvais slogs un koncentr\u0113ti uzraudz\u012bbas resursi, piebilst FM.<\/p>\n
Jau zi\u0146ots, ka FM rosina nebanku kredit\u0113t\u0101ju re\u0123istr\u0113\u0161anas, licenc\u0113\u0161anas un uzraudz\u012bbas funkciju no 2027. gada 1. janv\u0101ra nodot Latvijas Bankai. Savuk\u0101rt PTAC uzskata, ka nebanku kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai valstij un komersantiem var\u0113tu izmaks\u0101t no 3,5 miljoniem l\u012bdz asto\u0146iem miljoniem eiro, bet ikgad\u0113jie zaud\u0113jumi valsts bud\u017eetam var\u0113tu sasniegt 1,5 miljonus eiro.<\/p>\n
Taj\u0101 pa\u0161\u0101 laik\u0101 “Fintech Latvija” asoci\u0101cijas ieskat\u0101 nav datu un inform\u0101cijas par k\u0101d\u0101m sist\u0113misk\u0101m nebanku kredit\u0113t\u0101ju pat\u0113r\u0113t\u0101ju aizsardz\u012bbas probl\u0113m\u0101m un k\u0101 Latvijas Banka sp\u0113s pat\u0113r\u0113t\u0101ju intereses p\u0101rst\u0101v\u0113t lab\u0101k nek\u0101 PTAC.<\/p>\n","protected":false},"excerpt":{"rendered":"Nebanku kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai nozares uzraudz\u012bbas maksas samazin\u0101tu par 57%, a\u0123ent\u016brai LETA pauda Finan\u0161u ministrij\u0101 (FM).…\n","protected":false},"author":2,"featured_media":111430,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,869,77,870,28,29,867,32,33,22,30,31,35,39,38,36,37,34,871,868,40,20,26,27,24,25,21],"class_list":{"0":"post-111429","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-biznesa-zinas","10":"tag-bizness","11":"tag-bizness-latvija","12":"tag-breaking-news","13":"tag-breakingnews","14":"tag-dienas-zinas","15":"tag-featured-news","16":"tag-featurednews","17":"tag-headlines","18":"tag-latest-news","19":"tag-latestnews","20":"tag-latvia","21":"tag-latvian","22":"tag-latviesu","23":"tag-latviesu-valoda","24":"tag-latviesuvaloda","25":"tag-latvija","26":"tag-latvijas-biznesa-zinas","27":"tag-latvijas-zinas","28":"tag-lv","29":"tag-news","30":"tag-popularakas-zinas","31":"tag-popularakaszinas","32":"tag-top-stories","33":"tag-topstories","34":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115943119443560192","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/111429","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=111429"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/111429\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/111430"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=111429"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=111429"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=111429"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}