{"id":4644,"date":"2014-09-30T10:11:43","date_gmt":"2014-09-30T08:11:43","guid":{"rendered":"http:\/\/zurnalsiepirkumi.lv\/?p=4644"},"modified":"2014-09-30T15:33:03","modified_gmt":"2014-09-30T13:33:03","slug":"vienota-kreditbiroja-izveide-sekmes-iedzivotaju-finansu-disciplinu","status":"publish","type":"post","link":"https:\/\/zurnalsiepirkumi.lv\/?p=4644","title":{"rendered":"Vienot\u0101 kred\u012btbiroja izveide sekm\u0113s iedz\u012bvot\u0101ju finan\u0161u discipl\u012bnu"},"content":{"rendered":"

Saeimas pie\u0146emtais Kred\u012btbiroja likums ir v\u0113l viens solis, lai mudin\u0101tu Latvijas iedz\u012bvot\u0101jus aiz\u0146emties atbild\u012bgi, vienlaikus godpr\u0101t\u012bgajiem maks\u0101t\u0101jiem radot iesp\u0113ju sa\u0146emt izdev\u012bg\u0101kus pied\u0101v\u0101jumus. Aktu\u0101ls ir jaut\u0101jums par pietiekamu dal\u012bbnieku skaita un vispus\u012bgas inform\u0101cijas nodro\u0161in\u0101\u0161anu.<\/strong><\/p>\n

Lai gan situ\u0101cija pamaz\u0101m uzlabojas, kred\u012btmaks\u0101jumu kav\u0113t\u0101ju \u012bpatsvars joproj\u0101m ir noz\u012bm\u012bgs. Finan\u0161u un kapit\u0101la tirgus komisijas jaun\u0101kais p\u0101rskats liecina, ka \u0161\u012b gada otraj\u0101 ceturksn\u012b piektda\u013ca m\u0101jsaimniec\u012bbu kred\u012btu bijusi ar maks\u0101jumu kav\u0113jumiem. Savuk\u0101rt Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra dati par p\u0113rno gadu nebanku kredit\u0113\u0161anas sektor\u0101 r\u0101da, ka bez kav\u0113\u0161an\u0101s kred\u012btu atdot sp\u0113ja tikai 8 no 10 kred\u012bt\u0146\u0113m\u0113jiem.
\n
\nK\u0101 liecina Swedbank<\/em> Priv\u0101tpersonu finan\u0161u instit\u016bta pieredze, maks\u0101jumu kav\u0113\u0161ana visbie\u017e\u0101k notiek divu iemeslu d\u0113\u013c. Pirmk\u0101rt, ir notiku\u0161as izmai\u0146as m\u0101jsaimniec\u012bbas ien\u0101kumos, piem\u0113ram, darba zaud\u0113\u0161anas vai slim\u012bbas gad\u012bjum\u0101. Lai \u0161\u0101dos br\u012b\u017eos nerastos probl\u0113mas, r\u016bp\u012bgi j\u0101p\u0101rdom\u0101 ikm\u0113ne\u0161a kred\u012btsaist\u012bbu apm\u0113rs un j\u0101veic uzkr\u0101jumi neparedz\u0113t\u0101m dz\u012bves situ\u0101cij\u0101m. Otrk\u0101rt, pat\u0113r\u0113t\u0101ja kop\u0113jo saist\u012bbu apm\u0113rs ir p\u0101r\u0101k liels. Pa\u0161laik inform\u0101cija par saist\u012bb\u0101m, k\u0101 ar\u012b maks\u0101\u0161anas discipl\u012bnu ir dal\u012bta, apgr\u016btinot piln\u012bgu potenci\u0101lo risku nov\u0113rt\u0113\u0161anu. Eso\u0161aj\u0101 Latvijas Bankas Kred\u012btu re\u0123istr\u0101 ir apkopoti dati tikai no finan\u0161u sektora. Paral\u0113li past\u0101v ar\u012b da\u017e\u0101das par\u0101du piedzi\u0146as uz\u0146\u0113mumu datu b\u0101zes, ta\u010du taj\u0101s ir iek\u013cauti tikai tie maks\u0101jumu kav\u0113jumi, kas nodoti piedzi\u0146ai \u0161aj\u0101 uz\u0146\u0113mum\u0101.<\/p>\n

Jaunais Kred\u012btbiroja likums paredz, ka vienuviet tiks apkopoti dati no valsts inform\u0101cijas sist\u0113m\u0101m, k\u0101 ar\u012b zi\u0146as no da\u017e\u0101diem pre\u010du un pakalpojumu sniedz\u0113jiem. Tas \u013caus uzlabot risku nov\u0113rt\u0113\u0161anu un mazin\u0101s p\u0101rlieku lielu saist\u012bbu uz\u0146em\u0161anos, jo aizdevumu izsniedz\u0113ju r\u012bc\u012bb\u0101 b\u016bs krietni pla\u0161\u0101ks inform\u0101cijas kl\u0101sts gan par savlaic\u012bgi neveiktaj\u0101m, gan sekm\u012bgi nok\u0101rtotaj\u0101m saist\u012bb\u0101m. Godpr\u0101t\u012bgajiem maks\u0101t\u0101jiem tas noz\u012bm\u0113s ar\u012b iesp\u0113ju sa\u0146emt izdev\u012bg\u0101kus dar\u012bjuma nosac\u012bjumus.<\/p>\n

J\u0101atceras, ka kred\u012btv\u0113stures veido\u0161ana s\u0101kas l\u012bdz ar pirmo uz personas v\u0101rda izrakst\u012bto r\u0113\u0137inu – svar\u012bgs ir gan \u012bres, komun\u0101lo pakalpojumu, telekomunik\u0101ciju r\u0113\u0137ins, gan satiksmes noteikumu p\u0101rk\u0101puma soda kv\u012bts. Vienota kred\u012btbiroja izveide v\u0113l spilgt\u0101k akcent\u0113 ikviena r\u0113\u0137ina noz\u012bm\u012bgumu kred\u012btv\u0113stures veido\u0161an\u0101, t\u0101d\u0113j\u0101di veicinot atbild\u012bgu aiz\u0146em\u0161anos un savlaic\u012bgu maks\u0101\u0161anas discipl\u012bnu, lai situ\u0101cij\u0101, kad tas patie\u0161\u0101m ir nepiecie\u0161ams, aiz\u0146emties neliegtu \u201csaboj\u0101ta\u201d kred\u012btv\u0113sture. <\/p>\n

Pagaid\u0101m nav skaidri zin\u0101ms, k\u0101 tiks pan\u0101kts, ka ar inform\u0101ciju dal\u012bsies vairums pre\u010du un pakalpojumu sniedz\u0113ju. Sist\u0113ma pilnv\u0113rt\u012bgi darbosies tikai tad, ja t\u0101 patiesi vienuviet pied\u0101v\u0101s pla\u0161u inform\u0101ciju, kas \u013caus kvalitat\u012bvi un pietiekami detaliz\u0113ti nov\u0113rt\u0113t potenci\u0101l\u0101 klienta sp\u0113ju uz\u0146emties un sekm\u012bgi nok\u0101rtot saist\u012bbas. Uz\u0146\u0113mumiem b\u016bs j\u0101sp\u0113j nodro\u0161in\u0101t augsta l\u012bme\u0146a datu dro\u0161\u012bbas pras\u012bbas, tehnolo\u0123iju piel\u0101go\u0161ana un att\u012bst\u012bba kvalitat\u012bvas inform\u0101cijas apmai\u0146as nodro\u0161in\u0101\u0161anai. Tas, savuk\u0101rt, var\u0113tu noz\u012bm\u0113t papildus izmaksas un rad\u012bt dal\u012bbas \u0161\u0137\u0113r\u0161\u013cus.<\/p>\n

Iedz\u012bvot\u0101ji tiek mudin\u0101ti p\u0101rliecin\u0101ties par savu datu precizit\u0101ti. Ikvienam b\u016bs paredz\u0113ta bezmaksas iesp\u0113ja p\u0101rbaud\u012bt un kontrol\u0113t apkopoto inform\u0101ciju par sevi \u2013 gan sa\u0146emt savus datus, gan uzzin\u0101t, kas ir zi\u0146u sniedz\u0113ji un piepras\u012bt\u0101ji. Turkl\u0101t, inform\u0101cija citiem dal\u012bbniekiem tiks sniegta tikai un vien\u012bgi ar pa\u0161as personas piekri\u0161anu. Taj\u0101 pat laik\u0101, liedzot pieeju saviem datiem, j\u0101r\u0113\u0137in\u0101s ar neizdev\u012bg\u0101kiem dar\u012bjuma nosac\u012bjumiem vai pat atteikumu sa\u0146emt konkr\u0113to pakalpojumu.<\/p>\n

Kred\u012btbiroja likums ir apstiprin\u0101ts 2014.gada 18.septembr\u012b. Tas st\u0101sies sp\u0113k\u0101 n\u0101kam\u0101 gada 1. janv\u0101r\u012b.<\/p>\n

Evija Kropa, Swedbank Priv\u0101tpersonu finan\u0161u instit\u016bta eksperte<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Saeimas pie\u0146emtais Kred\u012btbiroja likums ir v\u0113l viens solis, lai mudin\u0101tu Latvijas iedz\u012bvot\u0101jus aiz\u0146emties atbild\u012bgi, vienlaikus godpr\u0101t\u012bgajiem maks\u0101t\u0101jiem radot iesp\u0113ju sa\u0146emt izdev\u012bg\u0101kus pied\u0101v\u0101jumus. Aktu\u0101ls ir jaut\u0101jums par pietiekamu dal\u012bbnieku skaita un vispus\u012bgas inform\u0101cijas nodro\u0161in\u0101\u0161anu.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/4644"}],"collection":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4644"}],"version-history":[{"count":4,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/4644\/revisions"}],"predecessor-version":[{"id":4686,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=\/wp\/v2\/posts\/4644\/revisions\/4686"}],"wp:attachment":[{"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zurnalsiepirkumi.lv\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}