Agjencia e Sigurimit te Depozitave

Agjencia e Sigurimit te Depozitave eshte krijuar ne baze te ligjit me nr. 8873, date 29.03.202. Ky ligj ka per qellim te rregulloje sigurimin dhe kompensimin e depozitave si dhe krijimin, pergjegjesite dhe veprimtarine e Agjencise se Sigurimit te Depozitave.

Agjencite e Sigurimit te Depozitave jane institucione financiare qe funksionojne pothuajse ne te gjitha vendet me ekonomi tregu. Ato e kane zanafillen pas krizes se madhe te viteve 1929-1932 dhye falimentimeve masive qe pesoi sistemi bankar, sidomos ne SHBA. Ne ekonomine e tregut falimentimi eshte nje process i natyrshem qe ndodh ne ato raste kur banka te keqmenaxhuara, nuk perballojne dot konkurrencen dhe rezultojne me humbje.
Per te parandaluar pasojat financiare qe sjell falimentimi i nje banke si dhe per te rritur sigurine e qytetareve ndaj tyre, jane krijuar skemat e sigurimit te depozitave.
Objektivat kryesore per sistemet e sigurimit te depozitave jane:
1. te kontribuojne ne stabilitetin e sistemit bankar;
2. te mbrojne depozituesit e vegjel;

Prania e nje sistemi te sigurimit te depozitave ka patur nje efekt pozitiv ne perqindjen e falimentimit te bankave kudo ne bote. Qe pas miratimit te skemave per sigurimin e depozitave, numri i bankavete falimentuara ka rene ndjeshem dhe ne raste falimentimesh depozituesit jane marre ne mbrojtjenga fondi i sigurimit te depozitave.

Me krijimin e Agjencise se Sgurimit te Depozitave, si ne shume vende te tjera te botes edhe ne Shqiperi, funksionon skema e sigurimit te depozitave.
Objektivi kryesor i veprimtarise se saj eshte sigurimi dhe kompensimi i depozitave ne sistemin bankar si dhe kontributi ne stabilitetin e sistemit financiar. Kursimet e vendosura ne cdo banke te nivelit te dyte qe operon ne Shqiperi, (pershire edhe deget e bankave te huaja), jane te siguruara nga Agjencia e Sigurimit te Depozitave, sipas kritereve te ligjit.

ASD qe nga momenti i krijimit, ka perfshire ne skemen e sigurimit te depozitave, te gjitha bankat dhe deget e bankave te huaja qe veprojne ne Shqiperi duke derdhur kontributin dhe duke paguar primin e sigurimit. Me ane te materialeve te vazhdueshme informative, ASD sqaron te gjithe depozituesit lidhur me rolin dhe kontributin e saj ne stabilitetin e sistemit financiar dhe sigurine qe u ofrohet per ruajtjen e kursimeve te tyre.

ASD ka si qellim te saj mbrojtjen e depozituesve te vegjel ne rastin e falimentimit te ndonje banke. ASD duke u bazuar ne ligjin e saj me nr. 8873, date 29.03.2002 kompenson depozitat e siguruara ne rast falimentimi te nje banke. Sipas dispozitave te ketij ligji, Agjencia kompenson depoziten e siguruar si me poshte:

a) per depozitat me 350 000 (treqind e pesedhjete mije) leke, ose me pak, kompenson 100 (njeqind per qind) te depozites se siguruar,

b) per depoziten mbi 350 000 (treqind e pesedhjete mije) leke, deri ne 700 000 (shtateqind mije) leke, kompenson 100 (njeqind per qind) te pjeses 350 000 (treqind e pesedhjete mije) leke dhe 85 (tetedhjete e pese per qind) te pjeses se mbetur te depozites se siguruar,

c) per depoziten mbi 700 000 (shtateqind mije) leke, 647 500 (gjashteqind e dyzet e shtate mije e peseqind) leke.


Agjencia e Sigurimit te Depozitave per te kryer funksionin e saj, mbeshtetet ne mjetet financiare te cilat perbehen nga fondi themeltar prej 400 000 000 leke, i cili eshte kontribut i Buxhetit te Shtetit, si dhe nga kontributet fillestare dhe primet e sigurimit te derdhura ne bankat e siguruara. Agjencia me politikat e saj te investimit ne perputhje me dispozitat e ligjit “Per sigurimin e depozitave”, ka rritur fondin e saj, gje e cila ka cuar dhe ne rritjen e raportit te mbulimit, i cili shpreh raportin e mjeteve financiare te Agjencise me totalin e depozitave te siguruara.


Ç’do te thote te sigurosh depozitat?

Per here te pare ne vendin tone kursimet e qytetareve do te sigurohen nga rreziku i falimentimit te bankave.
Ne nje ekonomi tregu, bankat mund te falimentojne. Falimentim do te thote qe banka nuk ka para te mjaftueshme per te paguar depozituesit e saj. Ne kete menyre, pasojat qe sjell falimentimi shoqerohen me humbjen e kursimeve te qytetareve.
Per te parandaluar pasojat financiare qe sjell falimentimi i nje banke tek depozituesit, si dhe per te rritur sigurine e qytetareve ndaj bankave jane krijuar sistemet e sigurimit te depozitave. Projektimi i tyre eshte bere i tille qe, te siguroje kompensimin e pjeses me te madhe te depozituesve te nje banke qe falimenton. Tashme qytetaret do te ndjehen me te sigurte dhe me te mbrojtur ne banken e tyre, pasi edhe vlerat e tyre monetare do te jene te tilla, me te sigurta se edhe ne shtepite e tyre.


Pse duhen siguruar depozitat?

Ne rast se nje banke falimenton pa i paguar te gjithe depozituesit e saj, mund te linde rreziku i humbjes se pergjithshme te besimit te qytetareve ndaj bankave ne vecanti dhe sistemit financiar ne teresi, e si pasoje, vendi mund te perfshihet nga nje krize financiare e te pergjithshme.
Sistemet e sigurimit te depozitave ne pergjithesi, e perqendrojne vemendjen ne mbrojtjen maksimale te depozituesve. Kjo ndodh meqenese keta depozitues nuk jane ne gjendje, qe ne cdo kohe te vleresojne banken ku kane investuar ose duan te investojne kursimet e tyre, pasi kane njohuri te kufizuara per aktivitetin financiar dhe per operacionet financiare dhe bankare.
Ne fillimin e aktivitetit te saj, Agjencia e Sigurimit te Depozitave ne vendin tone, realizon sigurimin e kursimeve te qytetareve. Ajo nuk siguron depozitat e kompanive dhe te biznesit qe perdoren ne funksion te aktivitetit prodhues, tregtar, te sherbimit etj.
Ne pergjithesi, thelbi i misionit te ASD eshte te krijoje besimin e publikut te gjere ne sistemin bankar ne vecanti dhe ne sistemin financiar kombetar, ne pergjithesi. Nisur nga ky mision, Agjencia njehsohet edhe me simbolin e besimit.

結果 (英語) 1:

deposit insurance agency is established by law no. 8873, dated 29.03.202. This law aims to regulate deposit insurance and compensation as well as the establishment, responsibilities and activities of the Deposit Insurance Agency.

deposit insurance agencies are financial institutions that operate in almost all countries with a market economy.they originate after the great crisis of the years 1929-1932 dhye massive bankruptcies suffered by the banking system, especially in the U.S.. bankruptcy market economy is a natural process that occurs in those cases where the bank mismanaged, can not afford the loss competition.
to prevent the financial consequences of the failure of a bank, as well as to increase the security of their citizens to have been established deposit insurance schemes.
Main objectives for deposit insurance systems are:
1. contribute to the stability of the banking system;
2. to protect small depositors;

the presence of a deposit insurance system has had a positive effect on the proportion of the insolvency of banks all over the world. since the adoption of deposit insurance schemes, the number of failed bankavete has fallen significantly and in the case of failures are taken into mbrojtjenga depositors deposit insurance fund.

the creation of the agency sgurimit depositas in many other countries of the world, even in Albania, deposit insurance scheme works.
main objective of its activity is insurance and reimbursement of deposits in the banking system as well as the contribution to the stability of the financial system. savings located at every second level bank that operates in Albania, (including branches of foreign banks),are secured by the deposit insurance agency, according to the criteria of the law.

asd from the moment of its creation, has been involved in deposit insurance scheme, all banks and branches of foreign banks operating in Albania pouring contribution and paying insurance premiums. through continuous material information,asd explains all depositors regarding the role and its contribution to the stability of the financial system and the security that was provided for the protection of their savings.

asd has as its purpose the protection of small depositors in the event of the insolvency of a bank. asd based on its law no. 8873, dated 29.03.2002 compensates the insured deposits in the event of a bank failure. under the provisions of this Law, the agency compensates the insured deposit as follows:

a) to deposit 350 000 (three hundred fifty thousand) or less, offset 100 (one hundred percent) of the insured deposit,

b) for the deposit on 350 000 (three hundred and fifty thousand), up to 700 000 (seven hundred thousand),compensates 100 (one hundred percent) of Part 350 000 (three hundred and fifty thousand) and 85 (eighty-five percent) of the rest of the insured deposit,

c) for the deposit on 700 000 (seven hundred thousand) , 647 500 (six hundred and forty-seven thousand five hundred) ALL.


deposit insurance agency to perform its function,based on financial assets which consist of basic fund of 400 000 000, which is a contribution to the state budget, as well as initial contributions and insurance premiums paid on insured banks. agency with its investment policy in accordance with the provisions of the law "deposit insurance", has increased its fund,which has resulted in increasing the coverage ratio, which expresses the ratio of the agency's financial assets to total insured deposits.


What is to insure deposits?

for the first time in our country citizens' savings will be obtained from the risk of insolvency of banks.
in a market economy, banks may fail.Bankruptcy means that the bank has sufficient money to pay its depositors. in this way, the consequences that brings bankruptcy associated with the loss of citizens' savings.
to prevent the financial consequences of the failure of a bank to depositors, as well as to increase the security of citizens against banks were established deposit insurance systems.Their design is made such that, to provide the biggest part of compensation to depositors of a bank that is bankrupt. now citizens will feel safe and protected in their bank, as well as their monetary values ​​will be such, safer than their homes.


why should ensure deposits?

if a bank goes bankrupt without paying all its depositors, may arise the danger of a general loss of confidence of citizens in particular banks and the financial system as a whole, as a result, the country may be included by a financial crisis General.
Deposit insurance systems in general,focus attention on the maximum protection to depositors. this happens since these depositors are not able, at any time to assess the bank where they have invested or want to invest their savings because they have limited knowledge on financial activity and financial and banking operations.
at the beginning of its activity ,deposit insurance agency in our country, accomplish the savings of citizens. it provides companies and business deposits used in the context of production activity, trade, service, etc..
in general, the core of asd mission is to create broad public confidence in the banking system in particular and the national financial system , in general.Based on this mission, the agency computes the symbol of faith.