Iest\u0101\u017eu domstarp\u012bbas par nebanku kred\u012btdev\u0113ju uzraudz\u012bbu<\/p>\n
Latvij\u0101 pastiprin\u0101s Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) un Latvijas Bankas domstarp\u012bbas par to, kura instit\u016bcija turpm\u0101k uzraudz\u012bs nebanku kred\u012btdev\u0113jus, tostarp t\u0101 d\u0113v\u0113to “\u0101tro kred\u012btu” biznesu. \u0160\u012bs p\u0101rmai\u0146as var\u0113tu rad\u012bt visliel\u0101kos zaud\u0113jumus tie\u0161i ierindas pat\u0113r\u0113t\u0101jiem, br\u012bdina eksperti. K\u0101 zi\u0146o Latvijas Av\u012bze, \u0161\u012b situ\u0101cija ir radusies, jo Finan\u0161u ministrija ir izstr\u0101d\u0101jusi priek\u0161likumu par vienotas pat\u0113r\u0113t\u0101ju kredit\u0113t\u0101ju licenc\u0113\u0161anas un uzraudz\u012bbas instit\u016bcijas noteik\u0161anu, kas publiskaj\u0101 telp\u0101 izrais\u012bjis nebanku pat\u0113ri\u0146a kred\u012btdev\u0113ju iebildumus. Lai gan nozare saskata eso\u0161o uzraudz\u012bbu k\u0101 pietiekamu, Latvijas Banka mudina pla\u0161\u0101k izv\u0113rt\u0113t, vai nebanku sektors str\u0101d\u0101 visas sabiedr\u012bbas interes\u0113s.<\/p>\n
Finan\u0161u ministrija (FM) nor\u0101da, ka nebanku kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai samazin\u0101tu nozares uzraudz\u012bbas maksas par 57%. Saska\u0146\u0101 ar FM datiem, PTAC izmaksas, kas saist\u012btas ar uzraudz\u012bbas funkcijas nodro\u0161in\u0101\u0161anu, gad\u0101 veido 390 000 eiro, bet Latvijas Bankai t\u0101s rad\u012btu papildu izmaksas 352 800 eiro gad\u0101. FM gatavo informat\u012bvo zi\u0146ojumu, kas paredz atcelt ikgad\u0113jo valsts nodevu par kredit\u0113\u0161anas pakalpojumu licen\u010du izsnieg\u0161anu un uzraudz\u012bbu. PTAC dati liecina, ka ie\u0146\u0113mumi no \u0161\u012bm nodev\u0101m laika posm\u0101 no 2020. l\u012bdz 2024. gadam sv\u0101rst\u012bj\u0101s no 1,94 l\u012bdz 2,4 miljoniem eiro gad\u0101. FM pied\u0101v\u0101jums noz\u012bm\u0113tu nozares maksu samazin\u0101jumu vismaz par 57% gad\u0101, vienlaikus radot aptuveni 1,7 miljonu eiro negat\u012bvu ietekmi valsts bud\u017eetam.<\/p>\n
Neskaidr\u012bbas par izmaks\u0101m un ieguvumiem<\/p>\n
Atbildot uz PTAC iepriek\u0161 pausto, ka nebanku kred\u012btdev\u0113ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai var\u0113tu izmaks\u0101t valstij un komersantiem no 3,5 l\u012bdz 8 miljoniem eiro, FM kritiz\u0113 \u0161\u0101du apr\u0113\u0137inu metodolo\u0123iju, nor\u0101dot, ka tik liela izmaksu amplit\u016bda liecina par nepiln\u012bb\u0101m. FM uzsver, ka t\u0101s pl\u0101notais risin\u0101jums samazina finansi\u0101lo slogu nozarei, bet vienlaikus rada skaidri identific\u0113jamu negat\u012bvu fisk\u0101lo ietekmi, at\u0161\u0137ir\u012bb\u0101 no publiski izskan\u0113ju\u0161ajiem pie\u0146\u0113mumiem par vair\u0101ku miljonu eiro izmaks\u0101m.<\/p>\n
PTAC direktore Zaiga Liepi\u0146a pau\u017e ba\u017eas par pat\u0113r\u0113t\u0101ju aizsardz\u012bbas l\u012bme\u0146a saglab\u0101\u0161anu, jo PTAC ir vair\u0101k nek\u0101 20 gadu pieredze pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bb\u0101 un ir vien\u012bg\u0101 iest\u0101de Latvij\u0101, kas uzrauga pilnu finan\u0161u pakalpojumu spektru no \u0161\u012b skatupunkta. Vi\u0146a nor\u0101da, ka Latvijas Bankai nav kompetences \u0161aj\u0101 jom\u0101 un ka funkciju p\u0101rcel\u0161ana rad\u012btu risku pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas l\u012bmenim. Liepi\u0146a uzsver, ka eso\u0161\u0101 sist\u0113ma nav sadrumstalota, bet gan m\u0113r\u0137tiec\u012bgi diferenc\u0113ta, un kritiz\u0113 FM apr\u0113\u0137inus, nor\u0101dot, ka tie neaptver visas faktisk\u0101s izmaksas, piem\u0113ram, IT sist\u0113mu p\u0101rveidi, normat\u012bvo aktu groz\u012bjumus un str\u012bdu risin\u0101\u0161anas izmaksas.<\/p>\n
Nebanku kredit\u0113\u0161anas tirgus pieaugums un riski<\/p>\n
Nebanku pat\u0113ri\u0146a kred\u012btu portfelis kop\u0161 2019. gada ir pieaudzis vair\u0101k nek\u0101 divas reizes, vid\u0113ji par 16% gad\u0101, kas ir strauj\u0101k nek\u0101 komercbank\u0101s. Lai gan \u0161is sektors uzlabo finan\u0161u pakalpojumu pieejam\u012bbu, nebanku kred\u012btu procentu likmes ir iev\u0113rojami augst\u0101kas nek\u0101 banku kred\u012btiem. Dati par 2023. gadu liecina, ka nebanku kredit\u0113t\u0101jiem nodoti par\u0101di \u0101rpustiesas piedzi\u0146\u0101, un pat\u0113r\u0113t\u0101ju s\u016bdz\u012bbu skaits par nebanku kred\u012btdev\u0113jiem ir liel\u0101ks nek\u0101 par bank\u0101m. 2023. gad\u0101 nebanku kred\u012btdev\u0113ji izsniedza jaunus kred\u012btus 744,25 miljonu eiro apm\u0113r\u0101, kas ir liel\u0101kais apjoms kop\u0161 2013. gada. \u0160obr\u012bd Latvij\u0101 sp\u0113k\u0101 ir 37 licences nebanku kredit\u0113\u0161anas pakalpojumu snieg\u0161anai.<\/p>\n
Argumenti par un pret uzraudz\u012bbas mai\u0146u<\/p>\n
Finan\u0161u ministrija argument\u0113, ka nebanku kredit\u0113t\u0101ju uzraudz\u012bbas nodo\u0161ana Latvijas Bankai samazin\u0101tu nozares uzraudz\u012bbas maksas par 57%, t\u0101d\u0113j\u0101di atbr\u012bvojot nozares dal\u012bbniekus no lieka finansi\u0101la sloga. Savuk\u0101rt PTAC uzst\u0101j, ka \u0161\u0101das p\u0101rmai\u0146as var\u0113tu rad\u012bt riskus pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas l\u012bmenim, jo Latvijas Bankai nav nepiecie\u0161am\u0101s kompetences un pieredzes \u0161aj\u0101 jom\u0101. PTAC direktore nor\u0101da, ka eso\u0161\u0101 uzraudz\u012bbas sist\u0113ma ir efekt\u012bva un nav sadrumstalota, bet Finan\u0161u ministrijas veiktie izmaksu apr\u0113\u0137ini ir nepiln\u012bgi un neatspogu\u013co pilnu finan\u0161u un administrat\u012bvo slogu, kas saist\u012bts ar funkcijas p\u0101rcel\u0161anu.<\/p>\n
Iedz\u012bvot\u0101ji k\u0101 potenci\u0101lie zaud\u0113t\u0101ji<\/p>\n
Galven\u0101s ba\u017eas saist\u0101s ar to, ka str\u012bdi starp uzraugo\u0161aj\u0101m instit\u016bcij\u0101m un nep\u0101rdom\u0101ta sist\u0113mas mai\u0146a var novest pie t\u0101, ka pat\u0113r\u0113t\u0101ji non\u0101k zaud\u0113t\u0101jos. Lai gan nebanku sektors ir svar\u012bgs finan\u0161u pakalpojumu pieejam\u012bbas uzlabo\u0161an\u0101, augst\u0101s procentu likmes un liel\u0101ks s\u016bdz\u012bbu skaits nor\u0101da uz past\u0101vo\u0161iem riskiem. Nepiecie\u0161ams r\u016bp\u012bgi izv\u0113rt\u0113t, vai pied\u0101v\u0101t\u0101s izmai\u0146as patie\u0161\u0101m nodro\u0161in\u0101s efekt\u012bv\u0101ku uzraudz\u012bbu un lab\u0101ku pat\u0113r\u0113t\u0101ju aizsardz\u012bbu, vai ar\u012b rad\u012bs jaunas probl\u0113mas un ne\u0113rt\u012bbas iedz\u012bvot\u0101jiem.<\/p>\n","protected":false},"excerpt":{"rendered":"Iest\u0101\u017eu domstarp\u012bbas par nebanku kred\u012btdev\u0113ju uzraudz\u012bbu Latvij\u0101 pastiprin\u0101s Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) un Latvijas Bankas domstarp\u012bbas par…\n","protected":false},"author":2,"featured_media":113335,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[23,28,29,32,33,22,30,31,35,39,38,36,37,34,46,40,26509,20,15726,26,27,4211,24,25,26051,21],"class_list":{"0":"post-113532","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-latvija","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-featured-news","12":"tag-featurednews","13":"tag-headlines","14":"tag-latest-news","15":"tag-latestnews","16":"tag-latvia","17":"tag-latvian","18":"tag-latviesu","19":"tag-latviesu-valoda","20":"tag-latviesuvaloda","21":"tag-latvija","22":"tag-latvijas-banka","23":"tag-lv","24":"tag-nebanku-kreditdeveji","25":"tag-news","26":"tag-pateretaju-tiesibas","27":"tag-popularakas-zinas","28":"tag-popularakaszinas","29":"tag-ptac","30":"tag-top-stories","31":"tag-topstories","32":"tag-uzraudziba","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115958046013871225","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/113532","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=113532"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/113532\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/113335"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=113532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=113532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=113532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}