{"id":24984,"date":"2024-11-14T07:26:59","date_gmt":"2024-11-14T07:26:59","guid":{"rendered":"https:\/\/rbs.lv\/blog\/2024\/11\/14\/bfc-petijums-latvijas-majoklu-kreditesanas-tirgum-nepieciesams-butisks-izraviens\/"},"modified":"2024-11-14T07:34:59","modified_gmt":"2024-11-14T07:34:59","slug":"bfc-petijums-latvijas-majoklu-kreditesanas-tirgum-nepieciesams-butisks-izraviens","status":"publish","type":"post","link":"https:\/\/rbs.lv\/lv\/blog\/2024\/11\/14\/bfc-petijums-latvijas-majoklu-kreditesanas-tirgum-nepieciesams-butisks-izraviens\/","title":{"rendered":"BFC p\u0113t\u012bjums: Latvijas m\u0101jok\u013cu kredit\u0113\u0161anas tirgum nepiecie\u0161ams b\u016btisks izr\u0101viens"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:left;\"><p>Latvijas m\u0101jok\u013cu kred\u012btu tirgum nepiecie\u0161ams b\u016btisks izaugsmes izr\u0101viens, lai tas k\u013c\u016btu atv\u0113rt\u0101ks, dinamisk\u0101ks, daudzveid\u012bg\u0101ks un kred\u012bt\u0146\u0113m\u0113jiem draudz\u012bg\u0101ks \u2013 sav\u0101 pirmaj\u0101 p\u0113t\u012bjum\u0101 secina RBS Baltijas Finan\u0161u centrs (BFC). P\u0113t\u012bjums &#8220;Hipotek\u0101r\u0101 kredit\u0113\u0161ana un konkurences veicin\u0101\u0161ana: Laiks p\u0101rsl\u0113gt \u0101trumu?&#8221; analiz\u0113 citu valstu pieredzi un rosina diskusiju par Latvijas m\u0101jok\u013cu kred\u012btu tirgus att\u012bst\u012bbu tuv\u0101ko 5\u201310 gadu laik\u0101.<\/p>\n<p>Latvij\u0101 gandr\u012bz visu m\u0101jok\u013cu tirgu nosedz \u010detras liel\u0101k\u0101s bankas, kuru kredit\u0113\u0161ana pamat\u0101 tiek finans\u0113ta no noguld\u012bjumiem. Tikm\u0113r citu valstu tirgos p\u0113c finan\u0161u kr\u012bzes ien\u0101ku\u0161i jauni sp\u0113l\u0113t\u0101ji, ieskaitot finan\u0161u tehnolo\u0123iju uz\u0146\u0113mumus, jauna veida nebanku kredit\u0113t\u0101jus un institucion\u0101los investorus, piem\u0113ram, pensiju fondus un apdro\u0161in\u0101t\u0101jus, kuriem invest\u012bcijas m\u0101jok\u013cu kred\u012btu tirgos ir \u013coti pievilc\u012bgas. \u0160ie jaunie sp\u0113l\u0113t\u0101ji aizpild\u012bju\u0161i tirgus \u201cni\u0161as\u201d un pied\u0101v\u0101 pla\u0161\u0101ku produktu kl\u0101stu, ieskaitot m\u0101jok\u013cu kred\u012btus ar fiks\u0113t\u0101m procentu likm\u0113m.<\/p>\n<p>BFC eksperti, izp\u0113tot citu valstu pieredzi, iez\u012bm\u0113 v\u012bziju, k\u0101d\u0101 virzien\u0101 vajadz\u0113tu izskat\u012bties Latvijas hipotek\u0101ro kred\u012btu tirgum tuv\u0101ko 5\u201310 gadu laik\u0101, lai uzs\u0101ktu pla\u0161\u0101ku diskusiju par t\u0101 att\u012bst\u012bbas potenci\u0101lu. Tirg\u016b b\u016btu j\u0101ien\u0101k daudzveid\u012bg\u0101kiem sp\u0113l\u0113t\u0101jiem &#8211; ne tikai bank\u0101m, bet ar\u012b <em>fintech<\/em> uz\u0146\u0113mumiem un citiem nebanku un specializ\u0113tiem kredit\u0113t\u0101jiem. Nepiecie\u0161ama ar\u012b finans\u0113juma avotu da\u017e\u0101do\u0161ana, piesaistot gan Latvijas, gan \u0101rvalstu institucion\u0101los investorus, tostarp pensiju fondus un apdro\u0161in\u0101\u0161anas komp\u0101nijas, un att\u012bstot kapit\u0101la tirgu. P\u0113t\u012bjum\u0101 uzsv\u0113rts, ka modern\u0101 hipotek\u0101ro kred\u012btu tirg\u016b b\u016btiska loma ir ar\u012b agregatoriem, brokeriem un sal\u012bdzin\u0101\u0161anas tehnolo\u0123iju platform\u0101m, kas pal\u012bdz pat\u0113r\u0113t\u0101jiem orient\u0113ties pied\u0101v\u0101jumu kl\u0101st\u0101 un b\u016btiski atvieglo procesus, ta\u010du Latvij\u0101 \u0161is segments pagaid\u0101m ir v\u0101ji att\u012bst\u012bts. Att\u012bstoties tirgum, j\u0101att\u012bst\u0101s ar\u012b regul\u0101cijas un uzraudz\u012bbas pieejai.<\/p>\n<p>\u201cEfekt\u012bvas konkurences atsl\u0113ga ir akt\u012bvs kred\u012bt\u0146\u0113m\u0113js, kur\u0161 sal\u012bdzina da\u017e\u0101dus pied\u0101v\u0101jumus un apsver ne tikai zin\u0101m\u0101kos aizdev\u0113jus, bet ir gatavs dot iesp\u0113ju ar\u012b jauniem un maz\u0101k zin\u0101miem tirgus dal\u012bbniekiem. P\u0113d\u0113j\u0101 gada laik\u0101, pateicoties daudzu pu\u0161u kop\u0113jam darbam, ir no\u0146emti b\u016btiski \u0161\u0137\u0113r\u0161\u013ci p\u0101rfinans\u0113\u0161an\u0101s procesam, bet, m\u016bsupr\u0101t, ar to neb\u016bs pietiekami. Uz cilv\u0113ku pleciem joproj\u0101m ir uzlikts par daudz. Sal\u012bdzino\u0161i, cit\u0101s valst\u012bs daudz liel\u0101ku atbalstu sniedz gan brokeri, gan da\u017e\u0101das digit\u0101l\u0101s sal\u012bdzin\u0101\u0161anas platformas. Piem\u0113ram, N\u012bderland\u0113 60 % un Lielbrit\u0101nij\u0101 75 % jauno kred\u012btu izsniegti ar starpnieku iesaisti. Ar\u012b m\u016bsdienu tehnolo\u0123ijas paver daudz iesp\u0113ju \u2013 k\u0101p\u0113c t\u0101s netiek izmantotas?\u201d uzsver viena no p\u0113t\u012bjuma autor\u0113m, BFC direktore Krist\u012bne Dambe, kura savulaik str\u0101d\u0101jusi britu finan\u0161u regulator\u0101 ar konkurences veicin\u0101\u0161anas jaut\u0101jumiem un atgriezusies Latvij\u0101, lai p\u0101rnestu \u0161o pieredzi.<\/p>\n<p>P\u0113t\u012bjuma autori atbalsta p\u0113d\u0113jos gados paveikto m\u0101jok\u013cu kred\u012bta tirgus atv\u0113r\u0161an\u0101 un att\u012bst\u012b\u0161an\u0101, tom\u0113r jaut\u0101, vai ies\u0101ktais darbs turpin\u0101sies ar\u012b tad, kad mazin\u0101sies mediju un publikas spiediens. It \u012bpa\u0161i n\u0101kamajos gados b\u016bs nepiecie\u0161ams monitor\u0113t, vai ieviest\u0101s izmai\u0146as biju\u0161as efekt\u012bvas un pietiekamas. P\u0113t\u012bjums secina, ka viens no b\u016btisk\u0101kajiem \u0161\u0137\u0113r\u0161\u013ciem turpm\u0101ku p\u0101rmai\u0146u ievie\u0161an\u0101 ir fragment\u0113t\u0101 sist\u0113ma \u2013 izmai\u0146u virz\u012b\u0161an\u0101, ievie\u0161an\u0101 un izv\u0113rt\u0113\u0161an\u0101 j\u0101iesaista daudz da\u017e\u0101du instit\u016bciju. Liel\u0101k\u0101s neskaidr\u012bbas \u0161obr\u012bd ir par atbild\u012bbu sadal\u012bjumu par tirgus att\u012bst\u012b\u0161anu, veicinot konkurenci, starp Finan\u0161u ministriju, Konkurences padomi, abiem sektora regulatoriem (Latvijas Banku un Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centru) un Finan\u0161u sektora att\u012bst\u012bbas padomi. Turkl\u0101t, sal\u012bdzinot ar cit\u0101m valst\u012bm, Konkurences padomei \u0161obr\u012bd nav nepiecie\u0161amo pilnvaru, instrumentu un cilv\u0113kresursu, lai t\u0101 var\u0113tu iejaukties \u0161\u0101da veida tirgos, kuros konkurences process nedarbojas efekt\u012bvi, bet netiek p\u0101rk\u0101pts konkurences likums.<\/p>\n<p>Koment\u0113jot BFC p\u0113t\u012bjumu, finan\u0161u ministrs Arvils A\u0161eradens uzsver: \u201cLatvij\u0101 l\u012bdz \u0161im nav bijusi pietiekami att\u012bst\u012bta neatkar\u012bga r\u012bc\u012bbpolitikas p\u0113tniec\u012bba, kas veicin\u0101tu kvalitat\u012bvu diskusiju un pal\u012bdz\u0113tu pie\u0146emt p\u0113t\u012bjumos balst\u012btus l\u0113mumus, t\u0101p\u0113c \u012bpa\u0161i apsveicama ir \u0161\u0101da jaunas domn\u012bcas ien\u0101k\u0161ana nozares ekosist\u0113m\u0101.\u201d Ministrs piekr\u012bt, ka finan\u0161u politikas veido\u0161anas un \u012bsteno\u0161anas vide Latvij\u0101 ir fragment\u0113ta, kas var apgr\u016btin\u0101t l\u0113mumu pie\u0146em\u0161anu, t\u0101p\u0113c \u0161\u0101da anal\u012bze sniedz iesp\u0113ju p\u0101rskat\u012bt sist\u0113mas nepiln\u012bbas.<\/p>\n<p>Latvijas Bankas prezidents M\u0101rti\u0146\u0161 Kaz\u0101ks p\u0113t\u012bjuma kontekst\u0101 izce\u013c ilgtermi\u0146a perspekt\u012bvu hipotek\u0101ro kred\u012btu tirgus att\u012bst\u012b\u0161an\u0101: \u201cPiekr\u012btu, ka \u0161is ir maratons, nevis sprints. Iepriek\u0161\u0113jo gadu darbi ir nesu\u0161i aug\u013cus, situ\u0101cija ir jau krietni lab\u0101ka, un es \u013coti ceru, ka m\u0113s turpin\u0101sim konstrukt\u012bv\u0101 veid\u0101 iet soli pa solim uz priek\u0161u, skatoties ne tikai uz\u00a0 bank\u0101m, bet pla\u0161\u0101k. Sp\u0113les laukums var b\u016bt krietni daudzveid\u012bg\u0101ks, lai sabiedr\u012bbai pied\u0101v\u0101tu piem\u0113rot\u0101kos pakalpojumus. Tirgus j\u0101atver jauniem finan\u0161u pakalpojumu sniedz\u0113jiem, tostarp nebank\u0101m un <em>fintech<\/em> uz\u0146\u0113mumiem, virzoties uz Eiropas l\u012bme\u0146a vienotu tirgu finan\u0161u pakalpojumu jom\u0101. Tas ir nepiecie\u0161ams, lai finan\u0161u pakalpojumi, tostarp hipotek\u0101rie kred\u012bti, b\u016btu cenas zi\u0146\u0101 l\u0113t\u0101ki, lab\u0101k piel\u0101goti da\u017e\u0101du iedz\u012bvot\u0101ju grupu vajadz\u012bb\u0101m un vienl\u012bdz pieejami k\u0101 lielpils\u0113t\u0101s, t\u0101 re\u0123ionos.\u201d<\/p>\n<p>Savuk\u0101rt Finan\u0161u nozares asoci\u0101cijas vad\u012bt\u0101js Uldis C\u0113rps atz\u012bst: \u201cPiekr\u012btu, ka mums ir j\u0101b\u016bt atv\u0113rtiem pret jauniem biznesa mode\u013ciem m\u0101jok\u013cu kredit\u0113\u0161an\u0101, kas var\u0113tu tikt \u012bstenoti Latvijas Bankas uzraudz\u012bb\u0101. Uzsveram ar\u012b p\u0113t\u012bjum\u0101 nor\u0101d\u012bto nepiecie\u0161am\u012bbu b\u016btiski uzlabot Latvijas ekonomisk\u0101s anal\u012btikas kvalit\u0101ti, \u012bpa\u0161i to, kas v\u0113rsta uz jaunu likumdo\u0161anas iniciat\u012bvu ietekmes izv\u0113rt\u0113jumu uz finan\u0161u tirgus dal\u012bbniekiem, pat\u0113r\u0113t\u0101jiem un finan\u0161u stabilit\u0101ti.\u201d<\/p>\n<p>Jaunu sp\u0113l\u0113t\u0101ju gatav\u012bbu ien\u0101kt tirg\u016b apstiprina Fintech Latvija Asoci\u0101cijas vad\u012bt\u0101ja T\u012bna L\u016bse: &#8220;M\u0113s redzam, ka Latvijas tirg\u016b ir gana akt\u012bvi alternat\u012bvo finan\u0161u pakalpojumu sniedz\u0113ji. Da\u013ca no \u0161iem tirgus sp\u0113l\u0113t\u0101jiem koncentr\u0113jas ar\u012b tie\u0161i uz nekustamo \u012bpa\u0161umu jomas pakalpojumiem gan priv\u0101tperson\u0101m, gan uz\u0146\u0113mumiem. Pie tam, kas nav mazsvar\u012bgi, da\u013ca no \u0161iem uz\u0146\u0113mumiem pl\u0101no neparobe\u017eoties ar darb\u012bbu tikai Latvijas tirg\u016b, bet iet ar\u012b citos pasaules tirgos, kas t\u0101dai mazai ekonomikai k\u0101 Latvija ir \u012bpa\u0161i svar\u012bgi. M\u016bsu uzdevums ir mazin\u0101t birokr\u0101tiskos \u0161\u0137\u0113r\u0161\u013cus \u0161\u0101du uz\u0146\u0113mumu darb\u012bbai Latvij\u0101.&#8221;<\/p>\n<p>P\u0113t\u012bjumu finans\u0113jis Eiropas Komisijas Atvese\u013co\u0161anas un notur\u012bbas meh\u0101nisms. P\u0113t\u012bjuma autori &#8211; BFC ekonomisti un eksperti Krist\u012bne Dambe, Andrejs Jakobsons un Viljams \u0160aubs (William Schaub).<\/p>\n<p>Pla\u0161\u0101k ar p\u0113t\u012bjumu var iepaz\u012bties <a href=\"https:\/\/finance.rbs.lv\/2024\/11\/08\/jauns-petijums-par-hipotekaro-kreditesanu-latvija\/\">Baltijas Finan\u0161u centra m\u0101jaslap\u0101.<\/a><\/p>\n<p>P\u0113t\u012bjuma prezent\u0101cijas un pane\u013cdiskusijas videoieraksts: <a href=\"https:\/\/www.youtube.com\/live\/62gdZI5SKVk?feature=shared&amp;t=1175\">https:\/\/www.youtube.com\/live\/62gdZI5SKVk?feature=shared&amp;t=1175<\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":28,"featured_media":24982,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[79],"tags":[],"class_list":["post-24984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zinas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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