Latvijas kredit\u0113\u0161ana sasniegusi l\u016bzuma punktu, apsteidzot eirozonas tempu<\/p>\n
P\u0113c ilgsto\u0161as stagn\u0101cijas Latvijas tautsaimniec\u012bb\u0101 ir nov\u0113rojams iev\u0113rojams pav\u0113rsiens \u2013 kredit\u0113\u0161anas aktivit\u0101te turpina pieaugt strauj\u0101kaj\u0101 temp\u0101 starp eirozonas valst\u012bm. \u0160o pozit\u012bvo tendenci izc\u0113lis Latvijas Bankas prezidents M\u0101rti\u0146\u0161 Kaz\u0101ks ikgad\u0113j\u0101 tautsaimniec\u012bbas konferenc\u0113, uzsverot, ka p\u0113c gadiem ilgas att\u012bst\u012bbas bremz\u0113\u0161an\u0101s kredit\u0113\u0161ana beidzot k\u013cuvusi par noz\u012bm\u012bgu valsts ekonomikas dzin\u0113jsp\u0113ku. Lai gan aizdevumu apjoms ir audzis par gandr\u012bz 15% sal\u012bdzin\u0101jum\u0101 ar iepriek\u0161\u0113jo gadu, tas joproj\u0101m atpaliek no Eiropas vid\u0113j\u0101 l\u012bme\u0146a.<\/p>\n
Izaugsmes sign\u0101li un izaicin\u0101jumi<\/p>\n
Finan\u0161u nozares asoci\u0101cijas (FNA) dati liecina, ka uz\u0146\u0113mumu kredit\u0113\u0161ana Latvij\u0101 12 m\u0113ne\u0161os ir pieaugusi par 7,5%, kas ir iev\u0113rojami vair\u0101k nek\u0101 eirozonas vid\u0113jais pieaugums \u2013 vien 2,0%. Ar\u012b m\u0101jsaimniec\u012bbu kredit\u0113\u0161ana Latvij\u0101 bijusi piektais visstrauj\u0101k augo\u0161ais tirgus eirozon\u0101, sasniedzot 6,6% ikgad\u0113jo pieauguma tempu, kam\u0113r eirozonas vid\u0113jais r\u0101d\u012bt\u0101js ir vien 1,3%. \u0160ie skait\u013ci apliecina, ka Latvijas banku tirgus akt\u012bvi atg\u016bstas un pied\u0101v\u0101 konkur\u0113tsp\u0113j\u012bgus risin\u0101jumus gan uz\u0146\u0113mumiem, gan iedz\u012bvot\u0101jiem. Latvijas Bankas apkopotie dati par 2024. gadu ar\u012b nor\u0101da uz jaunu izsniegto kred\u012btu apjoma iev\u0113rojamu pieaugumu \u2013 4,3 miljardi eiro, kas ir par 20,2% vair\u0101k nek\u0101 iepriek\u0161\u0113j\u0101 gad\u0101 .<\/p>\n
Tom\u0113r, sprie\u017eot p\u0113c Latvijas Bankas prezidenta M\u0101rti\u0146a Kaz\u0101ka paust\u0101, lai gan kredit\u0113\u0161anas aktivit\u0101te ir augusi, tai joproj\u0101m piem\u012bt liels potenci\u0101ls t\u0101l\u0101kai izaugsmei. Viens no galvenajiem izaicin\u0101jumiem ir nodro\u0161in\u0101t \u0161\u012bs dinamikas notur\u012bbu ilgtermi\u0146\u0101 un palielin\u0101t aizdevumu apjomu l\u012bdz Eiropas vid\u0113jam l\u012bmenim. \u0160obr\u012bd Latvij\u0101 izsniegto kred\u012btu atlikums tikai nedaudz p\u0101rsniedz 30% no iek\u0161zemes kopprodukta (IKP), kam\u0113r eirozon\u0101 \u0161is r\u0101d\u012bt\u0101js ir vair\u0101k nek\u0101 divas reizes liel\u0101ks .<\/p>\n
Kav\u0113jo\u0161ie faktori un n\u0101kotnes perspekt\u012bvas<\/p>\n
Lai gan kop\u0113jais kredit\u0113\u0161anas apjoms ir audzis, Latvijas Banka nor\u0101da, ka puse uz\u0146\u0113mumu, kuriem nepiecie\u0161ams finans\u0113jums, pat nepiesak\u0101s uz aizdevumu. Galvenie iemesli ir p\u0101r\u0101k stingras nodro\u0161in\u0101juma pras\u012bbas, augstas procentu likmes un person\u012bgo garantiju nepiecie\u0161am\u012bba . \u0160ie faktori var\u0113tu kav\u0113t mazo un vid\u0113jo uz\u0146\u0113mumu att\u012bst\u012bbas amb\u012bcijas, kuriem bie\u017ei vien nav pietiekama nodro\u0161in\u0101juma vai pieredzes kred\u012btu pieteikumu sagatavo\u0161an\u0101.<\/p>\n
Tom\u0113r optimistiskas prognozes sniedz Eiropas Centr\u0101l\u0101s bankas (ECB) l\u0113mumi samazin\u0101t b\u0101zes likmes, kas uzlabo kred\u012btu pieejam\u012bbu. Turkl\u0101t pat\u0113r\u0113t\u0101ju noska\u0146ojum\u0101 j\u016btams optimisms un pieaug interese par m\u0101jok\u013cu kred\u012btiem, kas ir b\u016btisks sign\u0101ls hipotek\u0101r\u0101s kredit\u0113\u0161anas tirgus izaugsmei . \u0122irts Gl\u0101zers, FNA Kredit\u0113\u0161anas komitejas l\u012bdzpriek\u0161s\u0113d\u0113t\u0101js, pau\u017e cer\u012bbu, ka aizsardz\u012bbas, lauksaimniec\u012bbas un me\u017esaimniec\u012bbas nozares sp\u0113s izmantot kredit\u0113\u0161anas iesp\u0113jas un palielin\u0101t savu aktivit\u0101ti .<\/p>\n
Stabilit\u0101tes un izaugsmes recepte<\/p>\n
Latvijas premjerministre Evika Sili\u0146a, atkl\u0101jot Latvijas Bankas tautsaimniec\u012bbas konferenci, uzsv\u0113ra, ka kredit\u0113\u0161ana ir viens no galvenajiem nosac\u012bjumiem ekonomikas izaugsmei, un vald\u012bbas m\u0113r\u0137is ir to veicin\u0101t . Vi\u0146a atzina, ka Latvijas v\u0113l nav Eiropas vid\u0113jos r\u0101d\u012bt\u0101jos, bet izaugsmes potenci\u0101ls ir iev\u0113rojams. Lai to sasniegtu, nepiecie\u0161ama cie\u0161a sadarb\u012bba starp vald\u012bbu, Latvijas Banku, finan\u0161u nozari, uz\u0146\u0113mumiem un sabiedr\u012bbu, veidojot vienotu un stabilu politiku . K\u0101 nor\u0101d\u012bjis Latvijas Bankas prezidents M\u0101rti\u0146\u0161 Kaz\u0101ks, lai kredit\u0113\u0161anas aktivit\u0101te b\u016btu notur\u012bga un balst\u012btu tautsaimniec\u012bbas izaugsmi, nepiecie\u0161ams mekl\u0113t veidus, k\u0101 \u0161o jaudu notur\u0113t stabilu un palielin\u0101t .<\/p>\n
Kopum\u0101 situ\u0101cija Latvijas kredit\u0113\u0161anas tirg\u016b ir optimistiska. P\u0113c vair\u0101ku gadu stagn\u0101cijas ir sasniegts l\u016bzuma punkts, un aktivit\u0101te turpina augt strauj\u0101kaj\u0101 temp\u0101 eirozon\u0101. Lai gan joproj\u0101m past\u0101v izaicin\u0101jumi un atpaliekam no Eiropas vid\u0113j\u0101 l\u012bme\u0146a, prognozes liecina par sp\u0113c\u012bgu izaugsmes potenci\u0101lu, ko var veicin\u0101t gan ECB politikas izmai\u0146as, gan uz\u0146\u0113m\u0113ju un iedz\u012bvot\u0101ju pieaugo\u0161\u0101 interese par aiz\u0146\u0113mumiem.<\/p>\n","protected":false},"excerpt":{"rendered":"Latvijas kredit\u0113\u0161ana sasniegusi l\u016bzuma punktu, apsteidzot eirozonas tempu P\u0113c ilgsto\u0161as stagn\u0101cijas Latvijas tautsaimniec\u012bb\u0101 ir nov\u0113rojams iev\u0113rojams pav\u0113rsiens \u2013…\n","protected":false},"author":2,"featured_media":56159,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[23,28,29,552,2328,32,33,22,15152,15153,30,31,35,39,38,36,37,34,46,40,20,26,27,24,25,21],"class_list":{"0":"post-56158","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitates","8":"tag-aktualitates","9":"tag-breaking-news","10":"tag-breakingnews","11":"tag-eirozona","12":"tag-ekonomikas-izaugsme","13":"tag-featured-news","14":"tag-featurednews","15":"tag-headlines","16":"tag-kreditesana-latvija","17":"tag-kreditesanas-aktivitate","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-banka","27":"tag-lv","28":"tag-news","29":"tag-popularakas-zinas","30":"tag-popularakaszinas","31":"tag-top-stories","32":"tag-topstories","33":"tag-zinas"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/115594183585289929","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/56158","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=56158"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/56158\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/56159"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=56158"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=56158"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=56158"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}