Latvijas Bankas zi\u0146ojums: Uz\u0146\u0113mumu kredit\u0113\u0161anas nosac\u012bjumi stingri, \u0137\u012blas pras\u012bbas augstas<\/p>\n
Neskatoties uz to, ka Latvij\u0101 kop\u0113jais izsniegto aizdevumu apjoms uz\u0146\u0113mumiem pieaug, aiz\u0146em\u0161an\u0101s nosac\u012bjumi joproj\u0101m nav b\u016btiski uzlaboju\u0161ies. Tas rada nopietnus \u0161\u0137\u0113r\u0161\u013cus uz\u0146\u0113mumu att\u012bst\u012bbai un v\u0101jina konkurenci kredit\u0113\u0161anas tirg\u016b. Latvijas Bankas (LB) jaun\u0101kais \u201cFinan\u0161u pieejam\u012bbas p\u0101rskats 2025\u201d nor\u0101da uz probl\u0113m\u0101m, kas kav\u0113 uz\u0146\u0113m\u0113jdarb\u012bbu, \u012bpa\u0161i izce\u013cot augst\u0101s \u0137\u012blas pras\u012bbas.<\/p>\n
Stingras pras\u012bbas un to sekas<\/p>\n
Lai gan uz\u0146\u0113mumu finansi\u0101l\u0101 vesel\u012bba kop\u0161 glob\u0101l\u0101s finan\u0161u kr\u012bzes ir b\u016btiski uzlabojusies, un 2024. gada nogal\u0113 pirmo reizi vair\u0101k nek\u0101 15 gados Latvijas uz\u0146\u0113mumu pa\u0161u kapit\u0101ls p\u0101rsniedza aiz\u0146emto l\u012bdzek\u013cu apjomu, aizdev\u0113ji joproj\u0101m piem\u0113ro visai stingrus kredit\u0113\u0161anas nosac\u012bjumus. K\u0101 viens no galvenajiem \u0161\u0137\u0113r\u0161\u013ciem tiek min\u0113tas augst\u0101s \u0137\u012blas pras\u012bbas. Latvij\u0101 vid\u0113j\u0101 nodro\u0161in\u0101juma v\u0113rt\u012bba 2024. gad\u0101 nefinan\u0161u sabiedr\u012bb\u0101m izsniegtajiem kred\u012btiem bija 162% no kred\u012bta summas. Sal\u012bdzin\u0101jumam, eirozon\u0101 vid\u0113ji aizdev\u0113ju pras\u012bbas p\u0113c nodro\u0161in\u0101juma ir krietni zem\u0101kas \u2013 tikai 28% no kred\u012bta summas. \u0160\u012bs stingr\u0101s pras\u012bbas ne tikai ierobe\u017eo kredit\u0113\u0161anas aktivit\u0101ti, bet ar\u012b bie\u017ei vien ir iemesls, k\u0101p\u0113c uz\u0146\u0113mumi, kuriem \u0101r\u0113jais finans\u0113jums ir nepiecie\u0161ams, pat nepiesak\u0101s uz kred\u012btu.<\/p>\n
Procentu likmes un tirgus konkurence<\/p>\n
At\u0161\u0137ir\u012bb\u0101 no m\u0101jsaimniec\u012bbu segmenta, kur pievienot\u0101s procentu likmes ir mazin\u0101ju\u0161\u0101s, uz\u0146\u0113mumu segment\u0101 \u0161\u012bs likmes nav b\u016btiski samazin\u0101ju\u0161\u0101s. Tas noz\u012bm\u0113, ka uz\u0146\u0113mumiem aiz\u0146emties joproj\u0101m ir d\u0101rg\u0101k. Lai gan kop\u0113j\u0101 situ\u0101cija uzlabojas un uz\u0146\u0113mumu rentabilit\u0101te ir stabila, augst\u0101s \u0137\u012blas pras\u012bbas un nepietiekami konkur\u0113tsp\u0113j\u012bgie procentu nosac\u012bjumi kav\u0113 jaunu dal\u012bbnieku ien\u0101k\u0161anu tirg\u016b un mazina kop\u0113jo konkurenci. Latvijas Banka uzsver, ka nodro\u0161in\u0101juma pras\u012bb\u0101m b\u016btu j\u0101b\u016bt virz\u012bt\u0101m uz vesel\u012bgu l\u012bdzsvaru, lai veicin\u0101tu uz\u0146\u0113m\u0113jdarb\u012bbas izaugsmi.<\/p>\n
N\u0101kotnes perspekt\u012bvas un risin\u0101jumi<\/p>\n
Lai gan izsniegto aizdevumu apjoms pieaug, tas liel\u0101 m\u0113r\u0101 notiek eso\u0161o aizdev\u0113ju ietvaros, nevis jaunu invest\u012bciju piesaistes rezult\u0101t\u0101. Latvijas Banka veic aptaujas, lai izprastu probl\u0113mas dzi\u013c\u0101k un izstr\u0101d\u0101tu priek\u0161likumus finan\u0161u pieejam\u012bbas uzlabo\u0161anai. Tiek mekl\u0113ti risin\u0101jumi, kas pal\u012bdz\u0113tu nodro\u0161in\u0101t, ka kredit\u0113\u0161anas atkop\u0161an\u0101s nav \u012bslaic\u012bga par\u0101d\u012bba, bet gan notur\u012bgs balsts Latvijas uz\u0146\u0113m\u0113jiem un tautsaimniec\u012bbas izaugsmei. Viens no iesp\u0113jamiem risin\u0101jumiem var\u0113tu b\u016bt jaunu dal\u012bbnieku piesaiste tirg\u016b un alternat\u012bvu finan\u0161u avotu att\u012bst\u012b\u0161ana, piem\u0113ram, veicinot hipotek\u0101ro kred\u012btu v\u0113rtspap\u012bro\u0161anu.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas Bankas zi\u0146ojums: Uz\u0146\u0113mumu kredit\u0113\u0161anas nosac\u012bjumi stingri, \u0137\u012blas pras\u012bbas augstas Neskatoties uz to, ka Latvij\u0101 kop\u0113jais izsniegto aizdevumu…\n","protected":false},"author":2,"featured_media":32412,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[9726,23,28,29,32,33,9728,22,9727,30,31,35,39,38,36,37,34,46,40,20,26,27,24,25,9725,21],"class_list":{"0":"post-32411","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aiznemsanas-nosacijumi","9":"tag-aktualitates","10":"tag-breaking-news","11":"tag-breakingnews","12":"tag-featured-news","13":"tag-featurednews","14":"tag-finansu-pieejamiba","15":"tag-headlines","16":"tag-kilas-prasibas","17":"tag-latest-news","18":"tag-latestnews","19":"tag-latvia","20":"tag-latvian","21":"tag-latviesu","22":"tag-latviesu-valoda","23":"tag-latviesuvaloda","24":"tag-latvija","25":"tag-latvijas-banka","26":"tag-lv","27":"tag-news","28":"tag-popularakas-zinas","29":"tag-popularakaszinas","30":"tag-top-stories","31":"tag-topstories","32":"tag-uznemumu-kreditesana","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115445646324493436","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/32411","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=32411"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/32411\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/32412"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=32411"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=32411"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=32411"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}