Consumer protection rules set

THE FUTURE

Consumer protection rules set by the Bank of Albania until now are limited only to increase the transparency of products and simplifying the reporting of costs on banking products to make them more understandable to the general public . But so far not known to have any analysis or inspection for the issue of constant change contracts underway , unilaterally by banks . Supervision of credit and deposit contracts , particularly contracts loan interest rate, at least will help us not surprised by the abundant profits of banks , which continue to be abundant as in good days and in days këqija.Këto recent years , the issue of the rescue of Jews in Albania has begun to be studied more seriously . But every step forward for the recognition of the issue associated with gjithfarëshe question . Some of these questions often resemble more an expression of incapacity going to study in depth how new incentives for research phase .

Also , banks have

THIS NEVER USUALLY HAPPENS DURING ...

Also , banks have begun to lobby the government to change tax laws to recognize the loss as bad loans deductible , so that these losses are not subject to income tax . Banks sought and received with the right legal conditions for executing best bad creditors , ie . for the seizure and sale of property creditors . Their demand for recognition as a deductible expense of bad loans is also very reasonable .

But one thing is that banks have not wanted : consumer protection in front of their predatory behavior . Not aware of any specific study , but anecdotal evidence suggests that banks give himself the right to change the terms of contracts with existing customers by billing them more expensive regular customers to cover losses from irregular customers .

Banks made ​​no difference

THIS TATTOO IS VERY HORRIBLE!

Banks made ​​no difference in this situation . In September 2013, as a result of the announcement of the lost of a part of bad credit or clearing balances virtually worthless assets , the banking system declared a total loss for the first nine months of 12 million. But in the last quarter came a surprise . Banks not only managed to cover losses from January to September period , but managed to declare earnings of 65 million dollars. The question is how is all this flooding . At the end , how could a banking system with bad credit rate of 24 percent , has not recorded any loss year since 1999 !Moreover , due to the reduction of public debt proceeds , many bankers are complaining to the policy of the Bank of Albania to decrease the interest rate . According to them , it is illogical to lower interest rate , because in this case dissolved gains from investment banks in public debt .

Strategy with

TITANIC MISTAKES 2

Strategy with " large ax " and lit the lamp permanently " with demek emergency " has injected a great uncertainty and confusion in the country . This is not the expected revival , but a system of government based only on an emergency without end .Last year was the most difficult in recent history of Albania . Gross Domestic Product grew very little , inflation was too low , bad loans continued to remain at a quarter of all loans . Interests Albania's public debt , which derive nearly half of gross profits of banks , was in free fall last year .
During the same time , banks are occasionally complained that his government increased tax profit by 10 to 15 percent , ie . theoretically if this year generating revenue of 65 million, they would pay 9.75 million dollars income tax , while the old law would pay 6.5 million .

Why legalization

Totally worth it

Why legalization (of course not free electoral promise that was corrected ) without permission of the five-story building villas on land occupied by force and aesthetic appearance " unpopular " is considered by Renaissance fair process and legalize a de facto service transport vans can not be accepted by the offensive duo Tahiri - Haxhinasto ? Of course we are talking about a time frame prediction termination of one to two years , in order to be able to self-employed to be able to settle their investments and take the time needed to shift toward alternative services .

In the long run vans should lose their role in inter-city transport , but this requires a detailed and well studied , in order to avoid the social consequences .

This majority that has

WHAT HAPPENED, DO NOT PUT THE PANTY

This majority that has weak points " moral and political education " , appearance, water and soap , the country's image and extreme orientation towards aesthetics should understand fully that things are done in the twinkling of an eye . I have no fear that they will lose their jobs Renaissance vans executives who promised 300 thousand jobs will also find a piece of work to be able to spoil the image of the country with their vans " to pabukur " . However I fear that behind the mask in favor of " aesthetic emergency " hides a well studied plan for the creation of a monopoly in interurban transportation . Agree that vans are not the optimal solution and safe for passenger transport , but are currently before the fact to commit .

I find it impossible to

 UNIVERSAL FAIL

 I find it impossible to defend the illegality or give arguments in its defense , specifically I mean the unlicensed vans and their cause , as I have found it impossible to accept the hypocrisy of talented Renaissance . If users want these unlicensed vans operate in the market absolutely must urgently be licensed , but their licensing should not constitute a new source of power- abuse and corruption . Also if the law interpretations do not allow them to take passengers to return , this absurd restriction should be amended urgently in Parliament . Minister Haxhinasto make us moral " car buying bread " , that demek causes environmental pollution ,