Il Sistema Bancario di Fronte ai Problemi Economici

Abstract

Abstract
The deteriorating reasons of banking portfolio loans and some necessary measures for the
improvement of this situation will be main topics of this article. The corruption in the
banking system, is a phenomenon that has passed unobserved, but for our opinion is very
often. Non professional loan officers, who lack the essential knowledge of identifying the
clients, are common among the Banks of Albania; The new banking system, appears with
the old problems of expansion of loan portfolio during 2005-2007,without the bank
capacity to manage them and that for sure will be accompanied with influx of many clients
with problems. The objective reason is also economic situation of our country and our
region that for sure will reflect in quality of loans portfolio;
The measures that are important to take are: a reform in banking system for what it
concerned structure management in charge of loans giving. The loan officers reward
should be connected with quality of portfolio management. Bank of Albania should
enforce banks to spend more for training the loan officer. It may organize itself the
training courses by raising a training center. It should control on-site banks more
frequently. Should pay attention on giving new loans, which will improve gradually the
quality of loan portfolio. Despite the situation must not restraint the loan process in bank.

Keywords : Nonperforming loans, loan officer; corruption; financial crisis.