saqarTveloSi bunebrivi airi gaZvirdeba - banksandfinance.ge
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saqarTveloSi bunebrivi airi gaZvirdeba - banksandfinance.ge

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`xelisufleba<br />

aRiarebs, rom<br />

umuSevroba<br />

gazrdilia~<br />

<strong>saqarTveloSi</strong><br />

<strong>bunebrivi</strong> <strong>airi</strong><br />

<strong>gaZvirdeba</strong><br />

4<br />

14<br />

yovelkvireuli<br />

yovelkvireuli<br />

yovelkvireuli<br />

yovelkvireuli<br />

yovelkvireuli<br />

gv. 3<br />

fasi fasi 50 50 TeTri<br />

TeTri<br />

gamodis 1995 wlidan, nomeri 9 (158) www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

ivnisi 17-23, 2008 weli. gamodis samSabaTobiT<br />

lado lado papava<br />

papava<br />

evropis ener<strong>ge</strong>tikuli<br />

usafrTxoeba saqarTvelozea<br />

damokidebuli<br />

C M Y K<br />

sociologiuri<br />

kvlevebis<br />

SimSili<br />

<strong>saqarTveloSi</strong><br />

10<br />

maia qavTaraSvili<br />

maia qavTaraSvili<br />

qavTaraSvili<br />

`safondo birJis<br />

sakuTrebisa da<br />

marTvis struqtura<br />

gaumjobesdeba~<br />

qeTevan qeTevan lafaCi<br />

lafaCi<br />

vakansiebi<br />

bankebSi<br />

irans evropidan<br />

miliardebi<br />

gaaqvs<br />

mahmud mahmud<br />

ahmedinejadi<br />

ahmedinejadi<br />

6<br />

9<br />

mahmud<br />

11<br />

`samSeneblo kompaniebs `prarabebi~<br />

eliavas bazrobidan mohyavT~<br />

da da da licenzirebis licenzirebis moTxovnebi moTxovnebi gamkacrebuli gamkacrebuli iqneba.<br />

iqneba.<br />

gv. gv. gv. gv. gv. 4,9<br />

rogor SeviZinoT qoneba giraos gareSe<br />

lizingi - sabanko kreditis alternativa<br />

rodesac sawarmos an organizacias raime saxis qonebis SeZena<br />

surs (ZiriTadad, manqanebis, saofise mowyobilobebis, satransporto<br />

saSualebebis an Senobebis) da amisaTvis sakmarisi Tanxa ar<br />

gaaCnia, bankidan grZelvadian sesxs iRebs. sesxi ki garkveuli<br />

sar<strong>ge</strong>blis sanacvlod, gansazRvruli vadiT da aucileblad giraos<br />

an sxva garantiis ward<strong>ge</strong>niT gaicema. Tumca, bankis sesxisgan<br />

gansxvavebiT, Semdgomi gadaxdis pirobiT qonebis SeZenis ufro<br />

moqnili saSualeba lizingia. lizingi es grZelvadiani ijaraa,<br />

romelic moijaris mier maTi Semdgomi gamosyidvis SesaZleblobas<br />

iTvaliswinebs. lizingis vadis ganmavlobaSi, misi gamcemi am<br />

qonebaze sakuTrebis uflebas inarCunebs, lizingis<br />

mimRebi ki valdebulia,<br />

salizingo gadasaxdeli ixados.<br />

faqtobrivad, lizingi<br />

sasaqonlo kreditia.<br />

<strong>saqarTveloSi</strong> lizingi<br />

saTanadod jer<br />

kidev ar aris ganvi-<br />

Tarebuli, Tumca Cveulebriv<br />

sesxTan SedarebiT,<br />

mas bevri upiratesoba<br />

gaaCnia. lizingiT qonebis<br />

aRebas ar sWirdeba girao,<br />

lizingis sagani uzrunvelyofis<br />

saSualebas Tavad<br />

Tanamedrove Tanamedrove Tanamedrove `truSCobebis~ `truSCobebis~ mSenebloba<br />

mSenebloba<br />

<strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> erT-erTi erT-erTi yvelaze yvelaze ganviTarebuli ganviTarebuli sfero sfero sfero samSeneblo<br />

samSeneblo<br />

seqtoria. seqtoria. qveyanaSi qveyanaSi ar ar arsebobs arsebobs erTiani erTiani erTiani samarTlebrivi samarTlebrivi aqti, aqti, romelic<br />

romelic<br />

am am seqtoris seqtoris saqmianobas saqmianobas daaregulirebda. daaregulirebda. dResdReobiT dResdReobiT samSeneblo<br />

samSeneblo<br />

saqmianobassaqmianobas 15 15 kanoni kanoni aregulirebs, aregulirebs, romlebic, romlebic, xSir xSir SemTxSemTxSemTxvevaSi,vevaSi, erTmaneTs erTmaneTs ewinaaRmde<strong>ge</strong>ba. ewinaaRmde<strong>ge</strong>ba. 2005 2005 wlidan wlidan wlidan parlamenparlamentististis<br />

dargobrivi dargobrivi ekonomikisa ekonomikisa da da ekonomikuri ekonomikuri reformereformereforme- bis bis komitet komitetma komitet ma axal axal samSeneblo samSeneblo kodeqsze kodeqsze kodeqsze daiwyo<br />

daiwyo<br />

muSaoba, muSaoba, romelmac romelmac SeimuSava SeimuSava is is ZiriTadi ZiriTadi<br />

ZiriTadi<br />

postulatebi,postulatebi, ris ris safuZvelzec safuZvelzec samSenebsamSeneb-<br />

lo lo kodeqsis kodeqsis proeqti proeqti unda unda Seqmniliyo.<br />

Seqmniliyo.<br />

xelisuflebaxelisufleba ukve ukve ori ori welia welia axal axal sam- sam- sam-<br />

Seneblo Seneblo kodeqsze kodeqsze muSaobs, muSaobs, romelic romelic am<br />

am<br />

15 15 kanons kanons gaaerTianebs gaaerTianebs da da daxvewavs. daxvewavs.<br />

daxvewavs.<br />

mTavrobamTavroba axali axali samSeneblo samSeneblo kodeqkodeq-<br />

sis sis Seswavlas Seswavlas erT erT TveSi TveSi daasrulebs daasrulebs da da<br />

da<br />

dasamtkicebladdasamtkiceblad axali axali mowvevis mowvevis parlaparlamentsments<br />

gadascems. gadascems. dad<strong>ge</strong>nili dad<strong>ge</strong>nili vadiT, vadiT, aRniSaRniS-<br />

nuli nuli nuli dokumenti dokumenti parlamentis parlamentis parlamentis mimdinare mimdinare<br />

mimdinare<br />

wlis sagazafxulo sesiebze unda ganxiluliyo,luliyo,<br />

magram magram amis amis nacvlad nacvlad mTavrobam mTavrobam vava-<br />

dis dis gagrZeleba gagrZeleba moiTxova moiTxova moiTxova da da da samSeneblo samSeneblo samSeneblo kodeqsis kodeqsis<br />

kodeqsis<br />

proeqtis proeqtis ganxilva ganxilva saSemodgomo saSemodgomo sesiebamde sesiebamde gadaido. gadaido. axal<br />

axal<br />

kodeqsSi kodeqsSi samSeneblo samSeneblo kompaniebisTvis kompaniebisTvis serTificirebis, serTificirebis, kontrolisa<br />

kontrolisa<br />

warmoad<strong>ge</strong>ns. salizingo qonebis ukan dabrunebis an saboloo<br />

Sesyidvis vadebi lizingis mimRebTan aris SeTanxmebuli, dafinanseba<br />

100%-iani saWiroebis mixedviT xdeba da salizingo gadasaxdelic<br />

bankis sar<strong>ge</strong>belze naklebia. salizingo kompaniebis<br />

damfuZneblebi ZiriTadad bankebi da sxva safinanso institutebi<br />

arian, radganac klients urCevia, miiRos krediti ara fuladi<br />

saxiT, aramed is qoneba, romlis yidvasac igi am fuliT apirebs.<br />

Tumca, bankebs uSualod lizinguri operaciebis ganxorcielebis<br />

ufleba ara aqvT. salizingo xelSekrulebis gaformeba martivia<br />

da finansur danaxarjebTan ar aris dakavSirebuli.<br />

gv. gv. gv. gv.<br />

gv. 13

#158<br />

ivnisi<br />

ivnisi<br />

parlamenti mTavrobasTan<br />

damatebiT konsultaciebs iTxovs<br />

saSemosavlo gadasaxadis ganakve-<br />

Tis SemcirebasTan dakavSirebiT parlamenti<br />

mTavrobasTan damatebiT<br />

konsultaciebs iTxovs,- amis Sesaxeb<br />

cnobili parlamentis biuros sxdomaze<br />

gaxda.<br />

sxdomaze mTavrobam saqarTvelos<br />

sagadasaxado kodeqsSi Sesatani cvlilebebis<br />

proeqti waradgina,<br />

romelic saSemosavlo gadasaxadis<br />

ganakveTis 15%-mde etapobrivad, 2013<br />

wlis 1 ianvramde Semcirebas iTvaliswinebs.<br />

kanonproeqtis Tanaxmad, aseve<br />

etapobrivad mcirdeba dividendebis<br />

da procentebis dabegrvis ganakveTi.<br />

am sakiTxebTan dakavSirebiT<br />

mTavrobasTan damatebiTi konsult-<br />

16-20 ivniss q. JenevaSi imarTeba<br />

ruseTis federaciis vaWrobis msoflio<br />

organizaciaSi (vmo) gawevrianebis<br />

muSa jgufis Tavmjdomaris araformaluri<br />

mravalmxrivi konsultaciebis<br />

morigi raundi.<br />

misi msvlelobisas gaTvaliswinebulia<br />

ruseTis federaciis vmo-Si gawevrianebis<br />

muSa jgufis angariSis konsolidirebuli<br />

teqstis ganxilva. zemoTaRniSnul<br />

konsultaciebSi<br />

qarTul mxares warmod<strong>ge</strong>ns vmo-Si<br />

saqarTvelos mudmivi warmomad<strong>ge</strong>neli.<br />

ruseTTan ormxrivi molaparakebebis<br />

procesSi qarTuli mxaris moTx-<br />

aciebis gamarTva da imis dakonkretebaa<br />

saWiro, ra vadebSi da ra konkretuli<br />

sqemiT ganxorcieldeba aRniSnuli<br />

Semcirebebi. yvelas unda esmodes,<br />

rom saSemosavlo gadasaxadis<br />

ganakveTis Semcireba erTi naxtomiT<br />

ver moxdeba, radgan aseT SemTxvevaSi<br />

safrTxe Seeqmneba biujets da mTel<br />

rig sabiujeto programebs. Tumca<br />

gadawyvetileba ise unda iyos miRebuli,<br />

rom misi ganxorcieleba mosaxleobam<br />

praqtikulad igrZnos, -<br />

ganacxada biuros sxdomaze parlamentis<br />

Tavmjdomarem daviT baqraZem.<br />

saqarTvelos sagadasaxado kodeqsSi<br />

cvlilebebis proeqtze damatebiTi<br />

konsultaciebi mTavrobasTan<br />

xval gaimarTeba.<br />

saqarTvelos moTxovnebi ruseTis<br />

WTO-Si gawevrianebasTan<br />

dakavSirebiT ucvleli rCeba<br />

ovna, roki-qvemo zaramagisa da gan-<br />

Tiadi-adleris sabaJo-gamSvebi punqtebis<br />

legalizebisa da maTi gamarTulad<br />

funqcionirebis uzrunvelyofis<br />

Taobaze, ucvleli rCeba.<br />

,,garda amisa, qarTuli mxare xazgasmiT<br />

aRniSnavs, rom ormxrivi molaparakebebis<br />

procesi ruseTis federaciasTan<br />

ganaxldeba mxolod mas Semdeg,<br />

rac ruseTis mxare gaauqmebs ruseTis<br />

federaciis prezidentis 16 aprilis instruqciebs,<br />

afxazeTisa da samxreT oseTis<br />

TviTgamocxadebul respublikebTan<br />

pirdapiri ekonomikuri da savaWro<br />

urTierTobebis damyarebis Taobaze. -<br />

naTqvamia ekonomikis saministros mier<br />

gavrcelebul gancxadebaSi.<br />

rogorc saministroSi ganmartaven<br />

aRniSnuli instruqciebis arseboba<br />

uxeSad arRvevs vmo-s vaWrobisa da<br />

tarifebis Sesaxeb <strong>ge</strong>neraluri SeTanxmebis<br />

mTel rig muxlebs, rogorebicaa<br />

muxlebi I, X da XXIV.<br />

`Tibisi bankma~ klientebisTvis plastikuri<br />

baraTebis adgilze mitanis servisi danerga<br />

`Tibisi bankma~, pirvelad <strong>saqarTveloSi</strong>, axali servisi - klientisTvis<br />

plastikuri baraTebis adgilze miwodeba danerga.<br />

am axali servisis SemoRebis Semdeg, msurvelebs SeuZliaT `Tibisi bank-<br />

Si~ miusvlelad ara marto SeukveTon sasurveli plastikuri baraTi, aramed<br />

miiRon kidec igi Tavisi pin-kodiT da yvela saWiro dokumentiT.<br />

adgilze mitanis momsaxureba sruliad ufasoa.<br />

SekveTis ganxorcieleba SesaZlebelia bankis nebismier filialSic da<br />

distanciuradac, bankis veb-gverdis meSveobiT.<br />

Nota bene<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

sasmeli wylis tarifis gamoTvlis meTodologiis<br />

proeqtis sajaro ganxilva 1-li seqtembridan daiwyeba<br />

ener<strong>ge</strong>tikisa da wyalmomara<strong>ge</strong>bis maregulirebel erovnul komisiaSi sasmeli wylis<br />

tarifis dad<strong>ge</strong>nis meTodologiis proeqtis sajaro ganxilva 1-li seqtembridan daiwyeba.<br />

komisiis informaciiT, am etapze paralelurad organizacia eleqtroener<strong>ge</strong>tikis,<br />

<strong>bunebrivi</strong> gazisa da wyalmomara<strong>ge</strong>bis seqtorSi regulirebis safasuris gaangariSebis da<br />

gadaxdis wesebis damtkicebis Sesaxeb proeqtze muSaobs.<br />

komisiaSi ganmartaven, rom proeqti TiToeul wylis kompanias daegzavna da SeniSvnebi<br />

saqarTvelos ener<strong>ge</strong>tikisa da wyalmomara<strong>ge</strong>bis maregulirebel erovnul komisiaSi<br />

mimdinare wlis seqtemberamde miiReba.<br />

OPEC: azerbaijani da yazaxeTi kaspiuri navTobis<br />

mopovebis zrdis lokomotivebi gaxdebian<br />

2010 wels navTobis transportireba im qveynebidan, romlebic<br />

ar Sedian OPEC-Si, dRe-RameSi 1,5 mln. bareliT<br />

gaizrdeba da 48 mln. barels miaRwevs, - amis Sesaxeb informacias<br />

azebaijanuli saa<strong>ge</strong>nto Trend Capital-i avrcelebs.<br />

kaspiis zRvis navTobis mopovebis zrda umeteswilad azerbaijanis<br />

da yazaxeTis xarjze moxdeba, - naTqvamia OPECis<br />

gancxadebaSi.<br />

OPEC-is monacemebiT, 2030 wlisTvis navTobis transportireba<br />

im qveynebidan, romelibic ar Sedian organizaciaSi,<br />

dRe-RameSi 45 mln. barels Sead<strong>ge</strong>ns, xolo mimdinare<br />

wels es cifri dRe-RameSi 50,13 mln. barelis toli iqneba.<br />

xolo rac Seexeba kaspiis regions, aq navTobis mopoveba dRe-<br />

RameSi 5 mln. barels Sead<strong>ge</strong>ns.<br />

2020 wlisTvis OPEC-is wevri qveynebis navTobis mopovebis moculoba winaswari prognozis mixedviT, dRe-<br />

RameSi 38 mln. barelamde, xolo 2030 wlisTvis ki 49 mln. barelamde gaizrdeba.<br />

mTavrobam siRaribis zRvars miRma myofi<br />

ojaxebis registraciis wesis srulyofa daiwyo<br />

saqarTvelos Sromis, janmrTelobisa da socialuri<br />

dacvis saministrom, mTavrobis gankargulebiT<br />

socialurad daucveli ojaxebis monacemTa erTiani<br />

bazis meTodologiisa da administrirebis sqemis<br />

srulyofa daiwyo.<br />

am mizniT 10 ivniss Sexvedra moewyo socialurad<br />

daucveli ojaxebis monacemTa erTiani bazis<br />

ganmsazRvrel komisiasTan da socialuri momsaxurebisa<br />

da kulturis saqalaqo samsaxurTan.<br />

Sexvedraze isaubres siRaribis zRvars miRma myofi<br />

ojaxebis Semowmebis wesze, mis efeqtianobaze,<br />

dadebiT da uaryofiT mxareebze, aseve im xarvezebze,<br />

rac gamoCnda programis mimdinareobisas da<br />

maTi gamosworebis gzebze.<br />

socialuri programiT sar<strong>ge</strong>blobs da sxvadasxva<br />

saxis daxmarebebs iRebs saqarTvelos mosaxleobis 60%-ze meti, xolo programis mimdinareobisas cdomilebam 15%<br />

Seadgina, rac rogorc Sexvedraze aRiniSna, am saxeobis programebisTvis idealurTan miaxloebuli cdomilebaa.<br />

`mTavrobam evroobligaciebis gayidvidan miRebuli Tanxis didi<br />

nawili winasaarCevnod ganxorcielebul proeqtebSi daxarja~<br />

ekonomikis eqspertis daviTdaviTdaviTnarnarnar- manias manias gancxadebiT, mTavrobam<br />

evroobligaciebidan miRebuli 500<br />

mln. aSS dolaris didi nawili winasaarCevnod<br />

ganxorcielebul<br />

proeqtebSi daxarja.<br />

narmanias TqmiT, am TanxebiT regionebSi<br />

infrastruqturis proeqtebi<br />

dafinansda.<br />

narmania aRniSnavs, rom xelisuflebam<br />

500 milioniani vali sruliad<br />

gaurkvevel viTarebaSi aiRo. misi<br />

azriT, problemebi valis gastumrebis<br />

periodSi Seiqmneba, radgan 2013<br />

wlisTvis moqmedi xelisufleba aRar<br />

iqneba da momaval mTavrobas valdebuleba<br />

mZime tvirTad daawveba.<br />

misive TqmiT, xelisuflebam ver<br />

warmoadgina argumentebi, risTvis<br />

dasWirda qveyanas sagareo valis aReba.<br />

pirvel etapze evroobligaciebidan<br />

miRebuli TanxebiT gazsacavi da ma-<br />

Rali Zabvis eleqtrogadamcemi xazebi<br />

unda aSenebuliyo, Tumca mogvianebiT<br />

sxva prioritetebi gamoikveTa<br />

da 250 mln. dolari strategiuli<br />

ganviTarebis fondSi C<strong>airi</strong>cxa, xolo<br />

darCenili Tanxis didi nawili sxvadasxva<br />

proeqtebze gaixarja, - ganmartavs<br />

daviT narmania.<br />

eqsperts miaCnia, rom qveyanas valis<br />

aReba realurad ar sWirdeboda,<br />

radgan saqarTvelos Warbi sabiujeto<br />

Semosavlebi gaaCnia da SesaZlebeli<br />

iyo am programebis ganxorcieleba<br />

saxelmwifo biujetidan dafinansebuliyo.<br />

saqarTvelom evroobligaciebis<br />

gayidviT 500 mln. aSS dolari miiRo.<br />

saprocento wliuri ganakveTi<br />

7,5%-iT ganisazRvra, xolo dafarvis<br />

vada 5 wliT (2013 wlis 15 aprili).<br />

procentis daricxva 2008 wlis 15<br />

aprilidan daiwyeba. saqarTvelos<br />

valeri valeri amiranaSvili amiranaSvili (mTavari (mTavari redaqtori) redaqtori) redaqtori) badri badri beraia beraia (gamomcemeli) (gamomcemeli) zurab zurab kukulaZe kukulaZe (redaqtori) (redaqtori) ani ani zedelaSvili zedelaSvili cico cico kaikaciSvili kaikaciSvili levan<br />

levan<br />

kalandaZe kalandaZe zurab zurab Rlonti Rlonti giorgi giorgi isakaZe isakaZe armaz armaz TavaZe TavaZe biZina biZina niJaraZe niJaraZe elguja elguja meqvabiSvili<br />

meqvabiSvili meqvabiSvili givi givi gamsaxurdia gamsaxurdia giorgi giorgi giorgaZe giorgaZe vaJa vaJa beriZe<br />

beriZe<br />

(saredaqcio (saredaqcio sabWos sabWos Tavmjdomare) Tavmjdomare)<br />

kompiuteruli kompiuteruli da da teqnikuri teqnikuri uzrunvelyofa:<br />

uzrunvelyofa:<br />

levan levan beglariSvili<br />

beglariSvili<br />

gamomcemeli<br />

gamomcemeli<br />

gazeTSi azeTSi azeTSi azeTSi azeTSi gamoyenebulia gamoyenebulia gamoyenebulia gamoyenebulia gamoyenebulia Semdegi Semdegi Semdegi Semdegi Semdegi<br />

Sps Sps Sps `mariota~<br />

`mariota~<br />

saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis masalebi: masalebi: masalebi: masalebi: masalebi:<br />

`interpresniusi~, `interpresniusi~, `interpresniusi~, `interpresniusi~, `interpresniusi~, `GBC” ``<br />

``<br />

bankebi_f@yahoo.com<br />

daviT daviT faxuriZe<br />

faxuriZe<br />

Tamaz Tamaz Tamaz Sen<strong>ge</strong>lia<br />

Sen<strong>ge</strong>lia<br />

irina irina nafetvariZe<br />

nafetvariZe<br />

koreqtura koreqtura - - naTela naTela bokeria<br />

bokeria<br />

tel: tel: 92-39-76<br />

92-39-76<br />

tiraJis tiraJis nawili nawili vrceldeba vrceldeba istebliSmentis istebliSmentis istebliSmentis siiT<br />

siiT<br />

eleqtronuli versia ixileT misamarTze:<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

2<br />

suverenuli evroobligaciebis emisia<br />

da londonis safondo birJaze gan-<br />

Tavseba kompaniebma UBS-ma da JP Morgan-ma<br />

uzrunvelyves.

#158<br />

ivnisi<br />

ivnisi<br />

energomatareblebis fasi msoflio<br />

mniSvnelobis ara marto<br />

ekonomikuri sakiTxia, maszea damokidebuli<br />

rogorc saerTaSoriso, ise<br />

Sida politikis sakiTxebi. navTobis<br />

fasi bolo 5 Tvis ganmavlobaSi daaxloebiT<br />

35%-iT gaizarda da dReisaTvis<br />

134-137 aSS dolaris fargleb-<br />

Si meryeobs. yvelaze mniSvnelovani<br />

ener<strong>ge</strong>tikuli resursis gaZvireba Sesabamisad<br />

moqmedebs sxva energomatareblebis<br />

fasebze. <strong>bunebrivi</strong> <strong>airi</strong>s fasi<br />

navTobis gaZvirebis paralelurad<br />

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gavliT<br />

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politika<br />

ganapirobebs ganapirobebs imas, imas, rom rom ar ar xorcieldeba xorcieldeba proeqtebi,<br />

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es iqneba rTuli da xangrZlivi procesi.<br />

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moqceva, kidev ufro gaamyarebs ruse-<br />

Tis monopoliur mdgomareobas bazarze.<br />

es procesebi, ra Tqma unda,<br />

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<strong>bunebrivi</strong> <strong>airi</strong>s fasi ruseTis,<br />

rogorc ekonomikur, ise politikur<br />

interesebs daeqvemdebareba.<br />

am fonze mniSvnelovania azerbaijanis<br />

ener<strong>ge</strong>tikisa da mrewvelobis<br />

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romelic saqarTvelosTan gazis miwodebis<br />

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irRveva da azerbaijanisTvis aseTi<br />

viTareba wam<strong>ge</strong>biania. baqos poziciis<br />

tarifebi tarifebi ``gazpomis`` ``gazpomis`` winadadebasTan winadadebasTan dakavSirebiT<br />

dakavSirebiT<br />

azerbaijanis azerbaijanis pasuxzea pasuxzea damokidebuli, damokidebuli, xolo xolo xolo rusuli<br />

rusuli<br />

kompaniis kompaniis mier mier ukrainisTvis ukrainisTvis ukrainisTvis <strong>bunebrivi</strong> <strong>bunebrivi</strong> <strong>airi</strong>s <strong>airi</strong>s 400<br />

400<br />

dolaramde dolaramde gaZvireba gaZvireba mxolod mxolod mxolod ukraina-ruseTis<br />

ukraina-ruseTis<br />

urTierTobaa. urTierTobaa. urTierTobaa. saqarTvelos, saqarTvelos, iqidan iqidan gamomdinare, gamomdinare, rom rom<br />

rom<br />

Cveni Cveni qveyana qveyana <strong>bunebrivi</strong> <strong>bunebrivi</strong> <strong>airi</strong>T <strong>airi</strong>T momara<strong>ge</strong>basTan<br />

momara<strong>ge</strong>basTan<br />

dakavSirebiT dakavSirebiT dakavSirebiT ``gazpromze`` ``gazpromze`` aRar aRar aris aris damokidebuli, damokidebuli, es<br />

es<br />

sakiTxi sakiTxi ar ar ainteresebs ainteresebs - - eka eka eka eka eka SaraSiZe SaraSiZe SaraSiZe SaraSiZe SaraSiZe<br />

Secvla verc saqarTvelos navTobisa<br />

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nika gilaurma da <strong>saqarTveloSi</strong> msoflio bankis<br />

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saqarTvelos finansTa ministrma nika gilaurma da <strong>saqarTveloSi</strong> msoflio bankis warmomad<strong>ge</strong>nlis movaleobis<br />

Semsrulebelma Tamar suluxiam xelSekruleba gaaformes.<br />

xelSekruleba, siRaribis daZlevis mxardamWeri meoTxe RonisZiebisTvis, saqarTvelosTvis 22.7 mln aSS dolaris<br />

odenobis sabiujeto mxardaWeras iTvaliswinebs.<br />

programa xels uwyobs Semdgom winsvlas reformebis ganxorcielebis saqmeSi, romelTa mizania - korufciis<br />

winaaRmdeg brZola, ekonomikaze saxelmwifos zemoqmedebis Semcireba, ener<strong>ge</strong>tikis seqtoris efeqturobis da<br />

mdgradobis amaRleba, safuZvelis Seqmna dasaqmebis da cxovrebis donis asamaRleblad da socialuri dacvis<br />

mdgradi qselis ganviTareba, - ganacxada Tamar suluxiam.<br />

misi TqmiT, saqarTvelos mTavrobis vrceli reformebis farglebSi siRaribis daZlevis programa mizanmimarTulia<br />

mmarTvelobis, ekonomikuri zrdis da siRaribis daZlevis ZiriTad problemebze.<br />

Tavis isedac uzarmazar gavlenas energoresursebiT<br />

mdidar qveynebze.<br />

yazaxeT-ruseTisa da TurqmeneT-ruse-<br />

Tis Tbili urTierTobebi da saerTo<br />

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ucxo aravisTvisaa. rusuli interesebis<br />

marwuxebSi moqceuli<br />

saqarTvelosTvis erTaderT alternativad<br />

azerbaijani rCeboda. ilxam<br />

alievis rusuli interesebis winaaRmdeg<br />

ganwyobas qarTuli mxare msuye<br />

strategiuli SeTavazebebiT axerxebda.<br />

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saxelmwifo navTobkompania<br />

`sokarma~ yulevis yuris aTviseba daiwyo.<br />

mniSvnelovania is SeRavaTebi, rac<br />

azerbaijans qarTuli rkinigziT momsaxurebaSi<br />

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ruseTis saxelmwifo kompania `gazpromsa~<br />

da azerbaijanul mxares Soris,<br />

ener<strong>ge</strong>tikuli resursebis gadacemas-<br />

Tan dakavSirebuli molaparakebebi<br />

qarTuli mxaris yuradRebas imsaxurebs.<br />

saqarTvelos ekonomikis ganvi-<br />

Tarebis ministri eka SaraSiZe adasturebs<br />

rusul da azerbaijanul mxareebs<br />

Soris molaparakebebis dawyebas,<br />

magram Tvlis, rom es procesebi<br />

saqarTvelosTvis gazis miwodebaze ar<br />

imoqmedebs. qalbatoni ministris<br />

gancxadebiT, `rac Seexeba tarifebs,<br />

es `gazpomis~ winadadebasTan dakav-<br />

SirebiT azerbaijanis pasuxzea damokidebuli,<br />

xolo rusuli kompaniis<br />

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dolaramde gaZvireba mxolod ukraina-ruseTis<br />

urTierTobaa da saqarTve-<br />

3<br />

los, iqidan gamomdinare, rom Cveni<br />

qveyana <strong>bunebrivi</strong> <strong>airi</strong>T momara<strong>ge</strong>basTan<br />

dakavSirebiT `gazpromze~ aRar aris<br />

damokidebuli, es sakiTxi ar ainteresebs~.<br />

msgavs pozicias afiqsirebs<br />

saqarTvelos ener<strong>ge</strong>tikis ministric,<br />

romelmac 11 ivniss mTavrobis sxdomaze<br />

ganacxada, - `saqarTvelo bunebriv<br />

airs azerbaijanidan iRebda,<br />

dRemde iRebs da momavalSic miiRebs~.<br />

mTavrobisgan damaimedebeli gancxadebebi<br />

ismis. saqarTvelos <strong>bunebrivi</strong><br />

<strong>airi</strong>s mowodeba, albaT, ar Seuwydeba.<br />

magram, gazis fasTan dakavSirebiT<br />

momwodebelTa pozicia gamokveTili<br />

ar aris. erTi mxriv, azerbaijanTan,<br />

<strong>bunebrivi</strong> <strong>airi</strong>s Zvelebur fasad mowodebis<br />

Sesaxeb, grZelvadiani kontraqti<br />

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ki arsebobs imis Sansi, rom azerbaijanuli<br />

gazi ruseTis saxelmwifo<br />

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qveS aRmoCndes, rac<br />

saqarTvelosTvis bunebriv airs avtomaturad<br />

gaaZvirebs. Tumca,<br />

rogorc Cans, moklevadian periodSi<br />

am procesebis daZvra ar aris mosalodneli,<br />

radgan rogorc<br />

<strong>bunebrivi</strong> <strong>bunebrivi</strong> <strong>airi</strong>s <strong>airi</strong>s <strong>airi</strong>s azerbaijanuli azerbaijanuli resursebis resursebis ruseTis ruseTis<br />

ruseTis<br />

kontrolqveS kontrolqveS moqceva, moqceva, moqceva, kidev kidev kidev ufro ufro gaamyarebs gaamyarebs mis<br />

mis<br />

monopoliur monopoliur mdgomareobas mdgomareobas bazarze<br />

bazarze<br />

<strong>saqarTveloSi</strong> moqmed gazgamanawilebel<br />

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acxadeben, <strong>bunebrivi</strong> <strong>airi</strong>s<br />

samomxmareblo tarifis gaZvireba<br />

2008 wels ar moxdeba. grZelvadian<br />

periodSi ki gazis fasis prognozireba,<br />

ganviTarebuli movlenebis fonze,<br />

Zalian Znelia.<br />

zura zura zura kukulaZe<br />

kukulaZe<br />

kukulaZe<br />

qobuleTis fiWvnarSi 5-varsklaviani<br />

sastumro `jorjian palasi~ gaixsna<br />

qobuleTis fi-<br />

WvnarSi 5-varsklaviani<br />

sastumro<br />

`jorjian palasi~<br />

sazeimod saqarTvelos<br />

prezidentma<br />

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sastumros mflobelis, `koka -kola boTlers jorjias~ prezidentis<br />

Temur Wyonias gancxadebiT, axali sastumros analogi Savi zRvis akvatoriaSi,<br />

maT Soris TurqeTis kurortebzec, ar moiZebneba.<br />

misi informaciiT, 150-nomriani sastumros prioriteti mis mravalprofilianobaSia<br />

(dasveneba, mkurnaloba, garToba). Wyonia aRniSnavs, rom sastumro<br />

-kompleqsis mimzidveloba garkveulwilad ganpirobebulia mikroklimatiT,<br />

romelic qobuleTis fiWvnarisTvis aris damaxasiaTebeli.<br />

`jorjian palasis~ arqiteqturasa da dizainze qarTvelma arqiteqtorma<br />

marika cagarelma da italielebma paolo Cuienim da salvator<br />

Cerutim imuSaves.<br />

sastumro-kompleqsi 22-24 ivliss msoflios sxvadasxva qveynidan 350<br />

stumars umaspinZlebs, romlebic aWaraSi da<strong>ge</strong>gmil jaz-festivalSi miiReben<br />

monawileobas.

#158<br />

ivnisi<br />

ivnisi<br />

- - saqarTvelos saqarTvelos statistikis statistikis de- dedepartamentis partamentis partamentis monacenebiT, monacenebiT, 2007 2007 wels<br />

wels<br />

umuSevrobis umuSevrobis done done done 0.3%iT 0.3%iT 0.3%iT Semcirda Semcirda<br />

Semcirda<br />

da da da gasuli gasuli gasuli wlis wlis wlis 13.6%is 13.6%is nacvlad nacvlad is<br />

is<br />

13,3%-s 13,3%-s Sead<strong>ge</strong>ns. Sead<strong>ge</strong>ns. Tqveni Tqveni azriT, azriT, ram- ramramdenad denad denad realuria realuria es es maCvenebeli?<br />

maCvenebeli?<br />

am monacemebis ukve aRaravis sjera.<br />

samwuxarod, statistikis departamenti<br />

damoukidebeli struqtura ar<br />

aris, is institucionalurad mcdar<br />

sqemaSia moxvedrili da ekonomikuri<br />

ganviTarebis saministros nawilia, ris<br />

Sedegadac mas aiZuleben, is informacia<br />

gamoaqveynos, rac mTavrobis<br />

saqmianobas ufro lamazad warmoaCens.<br />

aqedan gamomdinare, maT mier warmod<strong>ge</strong>neli<br />

informacia araobieqturia<br />

yvela mimarTulebiT, maT Soris inflaciis<br />

Tu ekonomikuri zrdis<br />

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Tac. umuSevarTa ricxvi qveyanaSi bevrad<br />

ufro metia, vidre isini aqveyneben.<br />

statistikis departamentis<br />

saqmianobaze SeiZleba iTqvas, ara is,<br />

rom statistikis departamentSi arakompetenturi<br />

xalxi muSaobs, piriqiT,<br />

iq kargi profesionalebi arian,<br />

aramed is, rom statistikis departamentis<br />

xelmZRvaneloba iZulebulia,<br />

im politikur dakveTas gauwios<br />

angariSi, romelic mTavrobidan modis<br />

da, aqedan gamomdinare, gamoaqveynos<br />

is parametrebi, rac mTavrobis<br />

saqmianobas lamaz ferebSi warmoaCens.<br />

- - 2003-2007 2003-2007 wlebSi wlebSi statis-<br />

statis-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

`xelisufleba aRiarebs, rom umuSevroba gazrdilia~<br />

umuSevrobaumuSevrobaumuSevroba umuSevroba umuSevroba saqarTvelos saqarTvelos saqarTvelos saqarTvelos saqarTvelos ekonomikisa ekonomikisa ekonomikisa ekonomikisa ekonomikisa da da da da da mTlianad mTlianad mTlianad mTlianad mTlianad sazogadoebis sazogadoebis sazogadoebis sazogadoebis sazogadoebis kvlav kvlav kvlav kvlav kvlav gadauWrel gadauWrel gadauWrel gadauWrel gadauWrel problemad problemad problemad problemad problemad rCeba. rCeba. rCeba. rCeba. rCeba. statistikis statistikis statistikis statistikis statistikis departamendepartamendepartamendepartamendepartamen- tis tis tis tis tis monacemebiT, monacemebiT, monacemebiT, monacemebiT, monacemebiT, 2007 2007 2007 2007 2007 wels wels wels wels wels umuSevrobis umuSevrobis umuSevrobis umuSevrobis umuSevrobis donem donem donem donem donem 13.3% 13.3% 13.3% 13.3% 13.3% Seadgina Seadgina Seadgina Seadgina Seadgina da da da da da gasuli gasuli gasuli gasuli gasuli wlis wlis wlis wlis wlis monacemebTan monacemebTan monacemebTan monacemebTan monacemebTan SedarebiT SedarebiT SedarebiT SedarebiT SedarebiT 0.3 0.3 0.3 0.3 0.3 %iT %iT %iT %iT %iT Semcirda, Semcirda, Semcirda, Semcirda, Semcirda,<br />

Tumca Tumca Tumca Tumca Tumca 2003 2003 2003 2003 2003 welTan welTan welTan welTan welTan SedarebiT SedarebiT SedarebiT SedarebiT SedarebiT qveyanaSi qveyanaSi qveyanaSi qveyanaSi qveyanaSi umuSevrobis umuSevrobis umuSevrobis umuSevrobis umuSevrobis done done done done done gazrdilia, gazrdilia, gazrdilia, gazrdilia, gazrdilia, xolo xolo xolo xolo xolo samuSao samuSao samuSao samuSao samuSao Zalis Zalis Zalis Zalis Zalis ricxovnoba ricxovnoba ricxovnoba ricxovnoba ricxovnoba Semcirebuli. Semcirebuli. Semcirebuli. Semcirebuli. Semcirebuli. am am am am am<br />

problemebTan problemebTan problemebTan problemebTan problemebTan dakavSirebiT dakavSirebiT dakavSirebiT dakavSirebiT dakavSirebiT gazeTi gazeTi gazeTi gazeTi gazeTi `bankebi `bankebi `bankebi `bankebi `bankebi da da da da da finansebi~ finansebi~ finansebi~ finansebi~ finansebi~ eqspert eqspert eqspert eqspert eqspert lado lado lado lado lado papavas papavas papavas papavas papavas esaubra. esaubra. esaubra. esaubra. esaubra.<br />

tikis tikis departamentis departamentis monacemebiT,<br />

monacemebiT,<br />

ekonomikurad ekonomikurad aqtiuri aqtiuri mosaxleoba<br />

mosaxleoba<br />

85800 85800 adamianiT, adamianiT, 1965 1965 mln mln kacamde kacamde<br />

kacamde<br />

Semcirda Semcirda Semcirda da da amasTanave, amasTanave, amasTanave, 2003 2003 2003 welTan<br />

welTan<br />

SedarebiT, SedarebiT, SedarebiT, umuSevrobis umuSevrobis donec<br />

donec<br />

gaizarda,gaizarda, romelic romelic `vardebis `vardebis `vardebis revrev-<br />

``xelisufleba ``xelisufleba aRiarebs, aRiarebs, rom rom umuSevroba umuSevroba gazrdilia, gazrdilia,<br />

gazrdilia,<br />

magram magram relurad relurad es es maCvenebeli maCvenebeli maCvenebeli gamoqveynebulze gamoqveynebulze ufro<br />

ufro<br />

maRalia``<br />

maRalia``<br />

`axali samSeneblo kodeqsiT sam-<br />

Seneblo saqmianobis licenzireba<br />

aucilebeli gaxdeba. dRes <strong>saqarTveloSi</strong><br />

nebismiers SeuZlia samSeneblo<br />

saqmianobis warmoeba. Tu xelT<br />

gaqvT damtkicebuli proeqti, yovelgvari<br />

gamocdilebis gareSe, SeiZleba<br />

daiwyoT mSenebloba. mniSvneloba ara<br />

aqvs Tqven eqimi xarT, istorikosi Tu<br />

iuristi, kanoni ar gzRudavT, rac<br />

miuRebelia. ucxoeTSi yvelgan sam-<br />

Seneblo saqmianobas mxolod is kompania<br />

eweva, visac amis gamocdileba<br />

da Sesabamisi licenzia aqvs. samSeneblo<br />

kodeqsi ZiriTadad samSeneblo<br />

procedurebis daxvewas exeba, rom<br />

Zeldeba da sulac ar aris misasalmebeli,<br />

magram es tendencia obieqturia.<br />

adamians rac ar unda elaparako, mxolod<br />

dapirebebiT ver moxiblav, yvelaferi<br />

kargad iqneba da ginda Tu<br />

ara, aq darCio. Tu moqalaqes ara aqvs<br />

Sromis Rirseuli pirobebi da iseTi<br />

anazRaureba, rom normalurad cxovrebisTvis<br />

sakmarisi aRmoCndes, is<br />

tovebs qveyanas.<br />

- - - Sromis, Sromis, Sromis, janmrTelobis janmrTelobis da da so- so- so- so- socialuricialuri<br />

dacvis dacvis ministrma ministrma aleqsanaleqsandredre<br />

kvitaSvilma kvitaSvilma kvitaSvilma statistikis statistikis depardepardepar- tamentis tamentis am am monacemebze monacemebze ganacxada,<br />

ganacxada,<br />

rom rom ararealuria ararealuria qveyanaSi qveyanaSi qveyanaSi samuSao<br />

samuSao<br />

Zalis Zalis ricxovnoba ricxovnoba ase ase ase Semcirdes Semcirdes da<br />

da<br />

umuSevrobacumuSevrobacumuSevrobac gaizardos, gaizardos, `maSin `maSin qveyqveyqvey- anaSi anaSi araferi araferi ar ar unda unda arsebobdes,<br />

arsebobdes,<br />

romrom marTlac marTlac ase ase iyos,~- iyos,~- brZana brZana minmin-<br />

istrma. istrma. ra ra komentars komentars komentars gaakeTebdiT<br />

gaakeTebdiT<br />

gaakeTebdiT<br />

oluciamde~oluciamde~oluciamde~ 11.5% 11.5% 11.5% iyo, iyo, arada arada xelisuxelisuflebisflebisflebis<br />

warmomad<strong>ge</strong>nelTa warmomad<strong>ge</strong>nelTa gancxadebgancxadebgancxadeb- iT, iT, qveynis qveynis qveynis ekonomika ekonomika swrafi swrafi tempiT tempiT<br />

tempiT<br />

lado lado papava<br />

papava<br />

viTardeba viTardeba da da samuSao samuSao adgilebic adgilebic<br />

adgilebic<br />

iqmneba.iqmneba. ra ra ra azris azris xarT xarT am am monacemonacemonace- xdeba xdeba Cveni Cveni qveynis qveynis ekonomikaSi?<br />

ekonomikaSi? gramas mcire biznesis stimulirebi-<br />

mebTan mebTan dakavSirebiT?<br />

dakavSirebiT?<br />

- maRali inflaciis dros Sei- saTvis, es mTeli qveynis masStabiT<br />

- es informaciac Selamazebulia.<br />

Zleba ar iyos maRali dasaqmeba, Tu ver gamoiwvevs dasaqmebis bums, ma-<br />

am inflacias gamanadgurebeli efeqgram kargi meqanizmia imisTvis, rom<br />

```Tu ```Tu moqalaqes moqalaqes moqalaqes ara ara aqvs aqvs Sromis Sromis Rirseuli Rirseuli pirobebi<br />

pirobebi<br />

ti aqvs. dResdReobiT inflaciis realuri<br />

maCvenebelic ki ar viciT da<br />

xalxma Tavi TviTdasaqmebulad igrZnos<br />

da umuSevrobis TvalsazrisiT<br />

da da da iseTi iseTi anazRaureba, anazRaureba, rom rom normalurad normalurad cxovrebisTvis<br />

cxovrebisTvis me SemiZlia, igi Sevafaso imis mixed- arsebuli mZime viTareba cota mainc<br />

sakmarisi sakmarisi aRmoCndes, aRmoCndes, aRmoCndes, is is tovebs tovebs qveyanas``<br />

qveyanas``<br />

viT, Tu rogor moqmedeben qveynis<br />

komerciuli bankebi. maT kreditebis<br />

Seamsubuqos. am programas gamWvirvalobasTan<br />

dakavSirebiT garkveuli<br />

saprocento ganakveTebi 37%-mde gaz- xarvezebi aqvs. gau<strong>ge</strong>baria, konkret-<br />

marTalia, am cifrebis mixedviT xe- ministris ministris am am gancxadebaze?<br />

gancxadebaze?<br />

gancxadebaze? ardes, anu wliuri inflacia sadRac ul pirebze kreditebs mTavroba ralisufleba<br />

aRiarebs, rom umuSevro- - jer erTi, jandacvis ministri 18-20%-is farglebSia.<br />

tom anawilebs, maSin, roca es misi<br />

ba gazrdilia, magram relurad es eqimi unda iyos da, saerTod, am samin- - - Tqveni Tqveni azriT, azriT, ra ra gzebiT, gzebiT, me-<br />

me- saqme araa. mTavrobas unda Caetare-<br />

maCvenebeli gamoqveynebulze ufro istros socialuri dacva arasworad<br />

maRalia. statistikis departamentis<br />

muSaobis principi erTia - Tu maCveneblis<br />

zrda kargia, xelovnurad zrd-<br />

aqvs mierTebuli, xolo jandacvis ministris<br />

naTqvams, romelic eqimic ki ar<br />

aris, me veranair komentars gavukeTeb.<br />

``gau<strong>ge</strong>baria, ``gau<strong>ge</strong>baria, mTavroba mTavroba kreditebs kreditebs konkretul konkretul pirebze<br />

pirebze<br />

ratom ratom anawilebs, anawilebs, maSin, maSin, roca roca es es misi misi saqme saqme araa``<br />

araa``<br />

ian da piriqiT. unda SevTanxmdeT - - zogadad, zogadad, saxelmwifoSi saxelmwifoSi maRa- maRamaRaimaze, rom, roca isini Sromisunarilili inflaciis inflaciis dros, dros, maRali maRali dasaqmedasaqme-<br />

TodebiTa TodebiTa da da saSualebebiT saSualebebiT unda unda iq- iq- iq- bina tenderi, gamoevlina saukeTeso<br />

ani mosaxleobis ricxovnobas amcirbaabaabaa da da makroekonomikuri makroekonomikuri stabilstabil-<br />

nas nas qveyanaSi qveyanaSi umuSevroba umuSevroba daZleuli?<br />

daZleuli? banki, romelic saTaveSi Caud<strong>ge</strong>boda<br />

eben, es maCvenebeli kidev ufro metad urobis urobis urobis misaRwevad misaRwevad qveynis qveynis mesveurebs<br />

mesveurebs - dasaqmebis is samTviani programe- am procesis warmarTvas da sesxebis<br />

Semcirebuli iqneba. Sesabamisad, uwevT uwevT arCevanis arCevanis arCevanis gakeTeba gakeTeba dabal<br />

dabal bi, romelTa monawileebs 150-200 gacemas dad<strong>ge</strong>nili normativebis<br />

umuSevrobis maCvenebelic ufro ma- dasaqmebasa dasaqmebasa da da maRal maRal inflacias inflacias<br />

inflacias lars uxdidnen profesiuli kvali- pirobebSi. saboloo jamSi, es pro-<br />

Ralia.<br />

samuSao Zalis gadineba ukve xangrZlivi<br />

procesia, karga xania gr-<br />

Soris. Soris. <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> ki ki arc arc dabali<br />

dabali<br />

inflaciaainflaciaa da da umuSevrobasac umuSevrobasac masomaso-<br />

brivi brivi xasiaTi xasiaTi aqvs. aqvs. realurad realurad ra<br />

ra<br />

fikaciis amaRlebisa Tu gadamzadebisaTvis,<br />

ra Tqma unda, farsi iyo.<br />

xolo, rac Seexeba `iafi sesxis~ programa<br />

socialuri problemebis gadasaWrelad<br />

gamarTlebulad mimaCnia.<br />

gvanca gvanca sixaruliZe<br />

sixaruliZe<br />

`samSeneblo kompaniebs `prarabebi~<br />

eliavas bazrobidan mohyavT~<br />

`mSeneblobebis `mSeneblobebis 80% 80% daTqmul<br />

daTqmul<br />

vadaze vadaze gvian gvian mTavrdeba~<br />

mTavrdeba~<br />

mSenebloba ukve damtkicebul proeqts<br />

Seesabamebodes da Sesabamisi<br />

zedamxedveloba xdebodes. amitom<br />

dRemde rac aSenebula Cven ver vityviT,<br />

rom uxarisxoa, magram arc imis<br />

garantia ar aris da arc arvis Seumowmebia<br />

saTanadod, rom xarisxiani<br />

iyo. dRes, rodesac mSenebeli<br />

mSeneblobis nebarTvas aiRebs, Semdeg<br />

samSeneblo saqmianobas daiwyebs,<br />

daamTavrebs, galesavs da SeRebavs, mere<br />

midis komisia Sesamowmeblad. gana Sesa-<br />

Zlebelia, rom komisiam mSeneblobis<br />

damTavrebis Semdeg Seamowmos Seesa-<br />

politekonomika<br />

bameboda Tu ara mSenebloba standartebs?<br />

amis Semowmeba Cabaraebis<br />

stadiaze SeuZlebelia. Cven ar gvaqvs<br />

imis garantia, rom mSenebelma<br />

mSeneblobis procesSi daicva is moTxovnebi,<br />

rac proeqtiT iyo gaTvaliswinebuli.<br />

amitom mSeneblobis<br />

Semowmeba absoluturad yvela etapze<br />

unda xdebodes, dawyebuli safuZvlis<br />

Cayridan, nebismieri Semdgomi sarTulis<br />

aSenebiT gagrZelebuli. aucilebelia<br />

Cven, Cvenma Svilebma da axloblebma,<br />

mTelma sazogadoebam iseT<br />

saxlebSi vicxovroT, romelebic viciT,<br />

rom proeqtis ganuxreli dacviT<br />

aris aSenebulia da ara ise, rom kac-<br />

ma ar icis, ras aSeneben~, - ambobs<br />

iuridiuli firma BLC-is damfuZnebeli<br />

aleqsandre bolqvaZe.<br />

am proeqtis erT-erTi avtori, yofili<br />

parlamentari niko lekiSvili<br />

da samSeneblo kompania `arsis~ marketingis<br />

menejeri cotne ebraliZe<br />

miiCneven, rom licenzirebis gamkacreba<br />

aucilebelia.<br />

`axal samSeneblo kodeqsze zogierTi<br />

mSenebeli iseT raRacas ambobs,<br />

rom ubralod sasaciloa. es im<br />

kompaniebs daartyams, romlebsac imis<br />

fuli ara aqvT, rom TavianT saxlebs<br />

kargi Robe gaukeTon. licenzirebis<br />

moTxovnebi auileblad unda<br />

gamkacrdes, imitom, rom es aris Senoba<br />

da iq adamiani sacxovreblad<br />

Sedis. axla bazarze aris kompaniebi,<br />

romlebsac yvelan<strong>airi</strong> SesaZleblobebi<br />

gaaCniaT, aqvT teqnika, hyavT kvalificiuri<br />

muSaxeli da mSeneblebi,<br />

magram ra dasamalia da aris kompaniebi,<br />

romlebsac `prarabebi~ eliavas<br />

bazrobidan mohyavT. es SeiZleba, roca<br />

saubari erT an or sarTulian saxlze<br />

midis, maram, roca kompania 15<br />

sarTulian saxls aSenebs, mas amis yvelan<strong>airi</strong><br />

piroba unda hqondes da raRacis<br />

dasaqiraveblad ar unda darbodes,~<br />

- ganacxada niko lekiSvilma.<br />

`Cemi azriT, aucilebelia, rom<br />

garkeuli normebi gamkacrdes. gansakuTrebiT<br />

licenzirebis sakiTxia mosagvarebeli.<br />

saWiroa, rom es sfero<br />

4<br />

ufro kontrolirebadi gaxdes da<br />

amiT, saboloo jamSi, momxmarebeli<br />

iyos daculi. myidveli darwmunebuli<br />

unda iyos, rom nebismier kompaniaSi,<br />

romelSic is binis SesaZenad<br />

miva, garkveul normebTan da standartebTan<br />

Sesabamis produqts miiRebs,~<br />

- miiCnevs samSeneblo kompania<br />

`arsi~-s marketingis menejeri<br />

cotne ebraliZe.<br />

dRes samSeneblo kompaniebs binebis<br />

mSeneblobisas raime standartebis<br />

dakmayofilebas kanoni ar avaldebulebs.<br />

axali kodeqsis mizani,<br />

swored, mSeneblobaSi saerTaSoriso<br />

donis standartebis danergvaa.<br />

`axali kodeqsis mTavari moTxovnaa<br />

samSeneblo sferoSi xarisxis standartebis<br />

daweseba da gamkacreba. ra<br />

Tqma unda, Cveni kompania, rogorc<br />

pirveli kompania, romelmac myidvelisTvis<br />

binebis dasrulebuli saxiT<br />

Cabareba daiwyo, momxrea, rom standartebic<br />

gamkacrdes da momxmareblisTvis<br />

binebi mxolod dasrulebuli<br />

saxiT iyos SeTavazebuli. miuxedavad<br />

Savi da TeTri karkasis siiafisa,<br />

momxmarebels, saboloo jamSi, saku-<br />

Tari ZalebiT remontis gakeTeba ufro<br />

Zviri ujdeba. me darwmunebuli var,<br />

rom binebze dasrulebuli saxiT standartis<br />

dawesebiT, saboloo jamSi,<br />

droisa da finansuri TvalsazrisiT<br />

/gagrZeleba /gagrZeleba 9 9 gv./<br />

gv./

#158<br />

ivnisi<br />

ivnisi<br />

am viTarebaSi mniSvnelovani roli<br />

samxreT kavkasias ekisreba, radgan es<br />

TiTqmis erTaderTi gzaa, romliTac<br />

centraluri azia ruseTis gverdis<br />

avliT evropasTan dakavSirebas Se-<br />

Zlebs.<br />

saqarTveloze ori miSvnelovani<br />

navTobsadeni `baqo-Tbilisi-jeihani~<br />

da `baqo-sufsa~ gadis, rac Cvens qveyanas<br />

mniSvnelovan <strong>ge</strong>opolitikur<br />

rols akisrebs.<br />

`baqo-Tbilisi-jeihanis~ navTobsadeni<br />

erT-erTi yvelaze grZeli milsadenia,<br />

romlis saSualebiTac, azerbaijanis,<br />

saqarTvelosa da ruse-<br />

Tis saSualebiT, navTobi evropas<br />

miewodeba. navTobsadeni 2005 wels<br />

amoqmedda da misgan saqarTvelo,<br />

pirdapiri satranzito Semosavlebis<br />

saxiT, yovelwliurad 50-60 mln aSS<br />

dolars iRebs, Tumca am Semosavlebze<br />

mniSvnelovani misi <strong>ge</strong>opolitikuri<br />

funqciaa. dasavleT marSrutis<br />

saeqsporto milsadeni (WREP)<br />

baqo-sufsis navTobsadenis saxeliTaa<br />

cnobili da 1999 wlidan moqmedebs.<br />

igi imdenad mniSvnelovani ar aris,<br />

rogorc `baqo-Tbilisi-jeihani~, magram<br />

navTobis sakmaod didi eqsportioria.<br />

`navTobproduqtebis mwarmoebelTa,<br />

importiorTa da momxmarebel-<br />

Ta kavSiris~ Tavmjdomare vano vano vano vano vano<br />

mTvralaSvili:<br />

mTvralaSvili:<br />

mTvralaSvili: mTvralaSvili:<br />

mTvralaSvili: `am navTobsadenebs<br />

udidesi mniSvneloba aqvT, radgan<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

evropis ener<strong>ge</strong>tikuli usafrTxoeba<br />

saqarTvelozea damokidebuli<br />

energoresursebis energoresursebis energoresursebis energoresursebis energoresursebis transportirebis transportirebis transportirebis transportirebis transportirebis bazarze bazarze bazarze bazarze bazarze wamyvani wamyvani wamyvani wamyvani wamyvani pozicia pozicia pozicia pozicia pozicia kvlav kvlav kvlav kvlav kvlav ruseTs ruseTs ruseTs ruseTs ruseTs ukavia ukavia ukavia ukavia ukavia da da da da da amas amas amas amas amas is is is is is<br />

ener<strong>ge</strong>tikulad ener<strong>ge</strong>tikulad ener<strong>ge</strong>tikulad ener<strong>ge</strong>tikulad ener<strong>ge</strong>tikulad masze masze masze masze masze damokidebul damokidebul damokidebul damokidebul damokidebul qveynebze qveynebze qveynebze qveynebze qveynebze politikuri politikuri politikuri politikuri politikuri zewolisTvis zewolisTvis zewolisTvis zewolisTvis zewolisTvis moxerxebulad moxerxebulad moxerxebulad moxerxebulad moxerxebulad iyenebs, iyenebs, iyenebs, iyenebs, iyenebs,<br />

riTicriTicriTic riTic riTic evropis evropis evropis evropis evropis qveynebis qveynebis qveynebis qveynebis qveynebis usafrTxoebas usafrTxoebas usafrTxoebas usafrTxoebas usafrTxoebas did did did did did safrTxes safrTxes safrTxes safrTxes safrTxes uqmnis. uqmnis. uqmnis. uqmnis. uqmnis. amitom, amitom, amitom, amitom, amitom, evrokavSiris evrokavSiris evrokavSiris evrokavSiris evrokavSiris qveynebi qveynebi qveynebi qveynebi qveynebi ruseruse- ruse- ruseruse- Tis Tis Tis Tis Tis gverdis gverdis gverdis gverdis gverdis avliT, avliT, avliT, avliT, avliT, alternatiuli alternatiuli alternatiuli alternatiuli alternatiuli marSrutebis marSrutebis marSrutebis marSrutebis marSrutebis ganxorcielebis ganxorcielebis ganxorcielebis ganxorcielebis ganxorcielebis gzebs gzebs gzebs gzebs gzebs eZeben. eZeben. eZeben. eZeben. eZeben.<br />

saqarTvelos, rogorc satranzito<br />

qveynis, roli kidev erTxel dasturdeba.<br />

`baqo-Tbilisi-jeihani~ axali nav-<br />

Tobsadenia da misi gamtarunarianoba<br />

maRalia, Seqmnilia axali infrastuqtura.<br />

es aris transnacionaluri<br />

``saqarTvelos ``saqarTvelos natoSi natoSi Sesvlas Sesvlas ruseTi ruseTi imiT<br />

imiT<br />

ewinaaRmde<strong>ge</strong>ba, ewinaaRmde<strong>ge</strong>ba, rom rom dasavleTis dasavleTis qveynebs<br />

qveynebs<br />

energoresursebze energoresursebze fasebis fasebis zrdiT zrdiT zrdiT da da arastabiluri<br />

arastabiluri<br />

miwodebiT miwodebiT emuqreba`` emuqreba`` emuqreba`` - - vano vano vano vano vano mTvralaSvili<br />

mTvralaSvili<br />

mTvralaSvili<br />

mTvralaSvili<br />

mTvralaSvili<br />

safinanso seqtorSi yvelaze ganviTarebuli<br />

sabanko sistemaa, Tumca,<br />

bolo wlebSi dakreditebis bazarze<br />

mikrosafinanso organizaciebis adgili<br />

da roli sul ufro izrdeba.<br />

mikrosafinanso organizaciebis saqmianobis<br />

mTavari mimarTuleba dainteresebuli<br />

pirebis mcire moculobis<br />

sesxebiT uzrunvelyofaa. mikrosafinaso<br />

organizaciebi oficialurad<br />

nebismieri saxis sesxebs gascemen, ma-<br />

gram, ramdenadac <strong>saqarTveloSi</strong> yvelaze<br />

didi moTxovna biznessesxebzea,<br />

maTi roli yvelaze metad mcire da<br />

saSualo biznesis stimulirebaSi<br />

SeiZleba davinaxoT.<br />

qarTuli ekonomikis ganviTarebis<br />

kvaldakval mosaxleobaSi sul<br />

ufro ixveweba safinanso institutebTan<br />

urTierTobis kultura da<br />

gamocdileba. Sesabamisad, izrdeba<br />

mikrosafinanso organizaciebis momsaxurebaze<br />

moTxovna da zogadad,<br />

bazari viTardeba. `ramdenime wlis<br />

win amerikis saerTaSoriso ganivi-<br />

navTobsadeni, romlis damfuZneblebic<br />

msoflioSi cnobili kompaniebi arian.<br />

sruli datvirTvis SemTxvevaSi,<br />

SesaZlebelia, dReSi milioni bareli<br />

navTobis gatareba, Tumca is sruli<br />

datvirTviT ar muSaobs.<br />

dRes msoflioSi navTobis seri-<br />

ozuli deficitia. evrokavSiri cdilobs,<br />

Seqmnas alternatiuli<br />

marSrutebi, satransporto ener<strong>ge</strong>tikuli<br />

koridorebi, romelic<br />

ruseTze ar iqneba damokidebuli,<br />

radgan igi energoresursebiT xSirad<br />

manipulirebs. Tundac is, rom<br />

saqarTvelos natoSi Sesvlas ruseTi<br />

imiT ewinaaRmde<strong>ge</strong>ba, rom dasavleTis<br />

qveynebs energoresursebze fasebis<br />

zrdiT da arastabiluri miwodebiT<br />

emuqreba. `baqo-Tbilisi-jeihanis~<br />

proeqti ki ganixileba, rogorc ener<strong>ge</strong>tikis<br />

miwodebis alternatiuli<br />

marSruti. evrokavSiri cdilobs, nav-<br />

Tobis mompovebeli qveynebi TurqmeneTi<br />

da yazaxeTi alternatiul<br />

marSrutebSi CarTos, am SemTxvevaSi<br />

ki evropisTvis navTobis miwodeba<br />

saqarTvelos gavliT iqneba SesZlebeli.<br />

gia xuxaSvili<br />

ra Tqma unda, ruseTs surs, rom<br />

`baqo-Tbilisi-jeihanis~ navTobsadenze<br />

kontroli ganaxorcielos, magram,<br />

me vfiqrob, am proeqtis saxiT,<br />

saqarTvelos sakmaod Zlieri berketi<br />

aqvs. Tu qveyanaSi politikurad<br />

arastabiluri viTareba Seiqmna, igive<br />

konfliqtebis zonaSi, navTobsadenis<br />

stabilurad muSaobas safrTxe Seeqmneba,<br />

amitom es mxolod<br />

saqarTvelosTvis ar iqneba cudi. aq<br />

uzarmazari investiciebia ganxor-<br />

cielebuli, uzarmazar kompaniebs<br />

aqvT wili da saqarTvelos stabilurobiT<br />

am proeqtSi monawile yvela<br />

qveyanaa dainteresebuli. Tu <strong>saqarTveloSi</strong><br />

saomari mdgomareoba Seiqmneba,<br />

evropis ener<strong>ge</strong>tikuli usafrTxoeba<br />

eWvis qveS dad<strong>ge</strong>ba, amitom evropa<br />

da aSS yvelanairad ecdebian, saqarTvelos<br />

stabilurobas dauWiron mxari<br />

da ruseTs daTmobaze wasvla aiZulon.~<br />

eqsperti eqsperti eqsperti eqsperti eqsperti gia gia gia gia gia xuxaSvili xuxaSvili xuxaSvili xuxaSvili xuxaSvili ki<br />

fiqrobs, rom `baqo-Tbilisi-jeihanis~<br />

navTobsadens mniSvnelovani <strong>ge</strong>opolitikuri<br />

datvirTva aqvs, Tumca<br />

vano mTvralaSvili<br />

5<br />

man Tavisi funqcia ukve Seasrula da<br />

saqarTvelos ruseTTan politikuri<br />

vaWrobis sagnad aRar gamoad<strong>ge</strong>ba,<br />

`saqarTvelosTvis `baqo-Tbilisijeihanis~<br />

navTobsadenis warmadoba<br />

imdenad mniSvnelovani ar aris,<br />

rogorc is, rom qveyanas <strong>ge</strong>opolitikur<br />

funqcias aniWebs. Tumca, es<br />

iseTi seriozuli berketi ar aris,<br />

rom amiT Cvenma qveyanam politikuri<br />

dividendebis mopoveba SeZlos. risi<br />

miRebac SeiZleboda, ukve miviReT. am<br />

``baqo-Tbilisi-jeihanis ``baqo-Tbilisi-jeihanis navTobsadeni navTobsadeni iseTi<br />

iseTi<br />

seriozuli seriozuli seriozuli berketi berketi ar ar aris, aris, aris, rom rom amiT amiT Cvenma Cvenma qveyanam<br />

qveyanam<br />

politikuri politikuri dividendebis dividendebis mopoveba mopoveba SeZlos``<br />

SeZlos``<br />

- - gia gia gia gia gia xuxaSvili xuxaSvili xuxaSvili xuxaSvili xuxaSvili<br />

funqciis gafarToeba maSin SeiZleba,<br />

Tu axali proeqti ganxorcielda,<br />

razec didi xania saubaria. es aris<br />

transkaspiuri magistrali, romlis<br />

saSualebiTac Sua aziis qveynebidan<br />

energoresursebis gamotana unda<br />

moxdes. am SemTxvevaSi, Cveni <strong>ge</strong>opolitikuri<br />

mdgomareoba radikalurad<br />

Seicvleba da dasavleTisTvis bevrad<br />

saintereso qveyana gavxdebiT, magram<br />

jerjerobiT am proeqtis ganxorcieleba<br />

eWvis qveS dgas, radgan ruseTi<br />

centralur aziaze politikuri zewoliT<br />

Tu sxva saSualebebiT, gavle-<br />

nas inarCunebs.~<br />

nata nata maruqaSvili<br />

maruqaSvili<br />

mikrosafinanso organizaciebi _ kreditis miRebis martivi gza<br />

Cveni Cveni mizani mizani mizani mikro mikro da da mcire mcire biznesis biznesis ganviTarebis ganviTarebis xelSewyobaa<br />

xelSewyobaa<br />

xelSewyobaa<br />

mikrosafinanso organizaciebis bazari <strong>saqarTveloSi</strong><br />

Tarebis saa<strong>ge</strong>ntom (USAD) Caatara<br />

kvleva, romelic ikvlevda, Tu<br />

rogori iyo saqarTvelos mikrosafinanso<br />

organizaciebis bazarze proporcia<br />

moTxovnasa da miwodebas<br />

Soris. maSin aRmoCnda, rom moTxovna<br />

am tipis organizaciebis produqtebze<br />

gacilebiT meti iyo vidre kompaniebis<br />

SeTavazeba. am fonze, <strong>bunebrivi</strong>a,<br />

mikrosafinanso organizaciebma<br />

sakmaod advilad moikides fexi<br />

``aRiarebulia, ``aRiarebulia, rom rom mcire mcire biznesis biznesis ganviTareba<br />

ganviTareba<br />

uzrunvelyofs uzrunvelyofs dasaqmebis dasaqmebis zrdas. zrdas. amitom, amitom, am am seqtoris<br />

seqtoris<br />

dafinanseba, dafinanseba, rac rac mikrosafinanso mikrosafinanso organizaciebis<br />

organizaciebis<br />

saqmianobis saqmianobis saqmianobis mTavari mTavari mTavari mimarTulebaa, mimarTulebaa, mimarTulebaa, Zalian Zalian Zalian aqtualuria`` aqtualuria``<br />

aqtualuria``<br />

- - - gigita gigita cuciriZe cuciriZe<br />

cuciriZe<br />

<strong>saqarTveloSi</strong> da arsebuli moTxovnidan<br />

gamomdinare, warmatebiT axerxeben<br />

funqcionirebas~, - acxadebs<br />

saqarTvelos bankebis asociaciis viceprezidenti<br />

gogita cucqiriZe.<br />

mikrosafinanso organizaciebis<br />

bazarTan dakavSirebiT igive pozicia<br />

aqvs ss `konstantas~ marketingis menejer<br />

Tamar razmaZes `saqarTvelo-<br />

Si bazari intensiurad viTardeba, am<br />

bazarze `konstanta~ iyo pirveli<br />

mikrosafinanso organizacia, swored<br />

bazris ganviTarebam ganapiroba Cveni<br />

warmateba. Tavidanve Cveni mTavari<br />

ekonom-iqsi<br />

mizani mikro da mcire biznesis ganviTarebis<br />

xelSewyoba iyo. vTvliT,<br />

rom amas kargad gavarTviT Tavi, radgan<br />

CvenTan erTad bevri biznesi ganviTarda,<br />

romlebmac daiwyes aTas<br />

laramde aqtivebiT funqcionireba,<br />

dReisaTvis ki asjer da orasjer met<br />

fulad resursebs iTviseben~.<br />

<strong>saqarTveloSi</strong> mikrosafinanso<br />

organizaciebis ganviTarebis erT-erTi<br />

yvelaze kargi maxasiaTebelia qarTuli<br />

bazris lider `konstantas~ warmateba.<br />

am organizaciam Cvens qveyana-<br />

Si saqmianoba daaxloebiT TerTmeti<br />

wlis win daiwyo. SeiZleba iTqvas, igi<br />

qarTvel momxmarebelTan erTad gaizarda.<br />

`konstanta~ saqmianobis sxvadasxva<br />

etapze sxvadasxva organizaciuli<br />

formiT gamodioda bazarze da<br />

es procesi exmaureboda ara marto<br />

am konkretuli organizaciis, aramed<br />

zogadad, safinanso bazris ganviTarebas.<br />

swored am procesis konteqstSi<br />

unda ganvixiloT `konstantas~ bankad<br />

gardaqmna. `rodesac organizacia<br />

dafuZnda, igi iyo aramom<strong>ge</strong>biani<br />

arasamTavrobo organizacia, romlis<br />

mizani qveyanaSi mewarmeobis ganvi-<br />

Tareba da am gziT siRaribis daZleva<br />

gaxldaT. am funqcias `konstantam~<br />

Tavi warmatebiT gaarTva. am<br />

process qveyanaSi ekonomikuri situaciis<br />

Secvlac daemTxva. erTi sityviT,<br />

gaizarda moTxovnebi da gaCnda Sesa-<br />

Zlebloba, organizacia gadasuliyo<br />

komerciul saqmianobaze. erTi mxriv,<br />

sworad warmarTulma saqmianobam,<br />

meore mxriv ki bazris ganviTarebam<br />

ganapiroba Cveni warmateba, rac, imedia,<br />

male `konstantas~ sabanko institutad<br />

gardaqmnaSi aisaxeba~,-<br />

acxadebs Tamar razmaZe.<br />

<strong>saqarTveloSi</strong> mikrosafinanso organizaciebs<br />

sakmaod saintereso kanonmdebloba<br />

aregulirebs. garkveul<br />

etapamde am mimarTulebiT kanonmdebloba<br />

saerTod ar arsebobda. Tumca,<br />

2006 wlis bolos safinanso seqtoris<br />

am sferos warmomad<strong>ge</strong>nlebma<br />

Tavad moiTxoves maTi saqmianobis mimarTulebis<br />

maregulirebeli kanonmdeblobis<br />

Seqmna. 2006 wlamde mikrosafinanso<br />

organizaciebis saqmianobas<br />

erovnuli banki aregulirebda,<br />

xolo Semdgom es misia safinanso<br />

/gagrZeleba /gagrZeleba 14 14 gv./<br />

gv./

#158<br />

ivnisi<br />

ivnisi<br />

`saxalxo bankSi~ sesxebisa da sakredito<br />

baraTebis gacema am Tvis bolosTvis aRd<strong>ge</strong>ba<br />

`saxalxo bankSi~ sesxebisa da sakredito<br />

baraTebis gacema am Tvis bolosTvis<br />

aRd<strong>ge</strong>ba. bankis direqtoris beso abulaZis<br />

gancxadebiT, paralalurad mimdinareobs<br />

arsebuli produqtebis, maT Soris sakredito<br />

baraTebis, anabrebisa da sesxebis pirobebis<br />

daxvewa. misive informaciiT, produqtebis<br />

axali pirobebis dad<strong>ge</strong>nisas, bankis menejmenti<br />

klienturis dakveTaze iqneba orientirebuli.<br />

erT-erTi moTxovnaa sakredito baraTis<br />

30-dRiani saSeRavaTo periodis gazrda.<br />

sakredito baraTis gaxsna klients survilisamebr<br />

larSi, evroSi da aSS dolarSi<br />

SeuZlia. baraTis fasi valutis mixedviT<br />

ganisazRvreba `viza eleqtroni~ (20 lari,<br />

10 evro, 10 aSS dolari), `viza klasiki~ (50<br />

lari, 25 aSS dolari), `viza platinumi~<br />

(400 lari, 200 evro, 200 aSS dolari).<br />

baraTi erTwliania, sesxis wliuri<br />

saprocento ganakveTi 36%-ia, baraTis<br />

mflobeli Tanxis Setanis saSeRavaTo peri-<br />

ss `saxalxo bankSi~ axali kompiuteruli<br />

programa dainerga, romelic bankis saoperacio<br />

xarjebs 30%-iT Seamcirebs. bankis<br />

direqtoris beso abulaZis gancxadebiT, programas<br />

samxreT aRmosavleTis qveynebSi sinformacio<br />

teqnologiebis provaideri intracom-i<br />

uzrunvelyofs, romelsac 30-wliani<br />

muSaobis gamocdileba gaaCnia. proeqtis<br />

mTliani Rirebuleba 7 mln. aSS dolaria.<br />

intracom-is warmomad<strong>ge</strong>nlis gregori sai-<br />

odis gadacilebis SemTxvevaSi ixdis sesxis<br />

10%-s, romelsac yovel vadagadacilebul<br />

dReze gadanawilebuli wliuri saprocento<br />

ganakveTic emateba.<br />

beso abulaZis informaciiT, momxmarebels<br />

saintereso siurprizi fuladi gzavnilebis<br />

mimarTulebiTac elis. savaraudod, Semcirdeba<br />

sakomisio gadasaxadi. am droisaTvis yvelaze<br />

dabali ganakveTi (0,5%) saxalxo gzavnilzea,<br />

iunistrimi - 1,9%-2,4%, inteleqspresi-2,5%.<br />

beso abulaZe aRniSnavs, rom gaumjobesdeba<br />

sesxis da anabrebis pirobebi. manamde<br />

`saxalxo bankis~ ipoTekurs sesxebze saprocento<br />

ganakveTi 18%-dan, samomxmareblo sesxebze<br />

-24%-dan ganisazRvreboda.<br />

`saxalxo bankis~ anabrebze saprocento<br />

ganakveTi 12,5%-dan 15%-mde ganisazRvreba.<br />

am droisaTvis aqciis farglebSi larSi denominirebul<br />

anabrebze wliuri sar<strong>ge</strong>beli<br />

17%-mdea gazrdili. aqcia 30 ivniss sruldeba.<br />

`saxalxo bankSi~ 7 milioniani axali kompiuteruli programa<br />

dainerga, romelic bankis saoperacio xarjebs 30%-iT Seamcirebs<br />

tas informaciiT, intracom -is programuli<br />

uzrunvelyofiT muSaobs wamyvani bankebi libanSi,<br />

saberZneTsa da aRmosavleT evropis<br />

qveynebSi. kompania aTenis birJaze 1990 wlidan<br />

aris daregistrirebuli.<br />

axali teqnologiebis meSveobiT wlis bolomde<br />

`saxalxo bankSi~ alternatiuli sabanko<br />

servisebi: mobail-bankingi, internetbankingi<br />

da tele-bankingi dainer<strong>ge</strong>ba.<br />

Oran<strong>ge</strong> Card-is angariSis Sevseba male IPay-is<br />

da Pay Box-is terminalebiT iqneba SesaZlebeli<br />

`saqarTvelos bankis~ sakredito baraTis Oran<strong>ge</strong><br />

Card-is angariSis Sevseba male IPay-is da<br />

Pay Box-is terminalebiT iqneba SesaZlebeli.<br />

`saqarTvelos bankis~ Svilobili kompaniis<br />

Direct Debit Georgia-s (IPAY) (100%-is mflobeli<br />

`galT Tagart kapitali~ ) cnobiT, 2008<br />

wlis bolomde IPay-is aparatebi 600-ze met<br />

obiqtSi ganTavsdeba. am droisTvis 200<br />

wertilSi ama Tu im nivTis, Tu produqtis<br />

SeZenisas, molare-operatoris meSveobiT komunaluri,<br />

satelefono da sxva gadasaxadebis<br />

gastumrebac aris SesaZlebeli.<br />

Oran<strong>ge</strong> Card-is angariSis Sesveba jerjerobiT<br />

bankSi miusvlelad SeuZlebelia,<br />

am proceduris Sesruleba SesaZlebelia<br />

mxolod `saqarTvelos bankis~ im klientisTvis,<br />

visac aqvs gaxsnili raime saxis<br />

(saxelfaso da sxva) angariSi, romlidanac<br />

sasurveli Tanxa Oran<strong>ge</strong> Card-is angariSze<br />

iricxeba.<br />

bankSi acxadeben, rom axali servisi,<br />

romelic rogorc `saqarTvelos bankis~<br />

kuTvnil IPay-is, aseve misi partnior Pay-<br />

Box Cash-terminalebs daemateba, moxsnis<br />

ri<strong>ge</strong>bs bankis filialebSi.<br />

am droisaTvis IPay-is terminaliT komunaluri<br />

da sxva (aieti, me-7 arxi, saburTalo<br />

TV) gadasaxadebis gastumrebis garda, paata bur-<br />

WulaZis saerTaSoriso saqvelmoqmedo fondSi `iavnana~<br />

mzrunvelobamoklebul bavSvebis dasaxmareblad<br />

Tanxis gadaricxvac aris SesaZlebeli.<br />

sabanko siaxleni<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

`Tibisi bankma~ media-konkursi `Cems gverdiT<br />

Cemi bankia~-s gamarjvebulebi gamoavlina<br />

`Tibisi bankma~ da sakonsultacio jgufma<br />

`jepram~ media-konkursSi `Cems gverdiT Cemi<br />

bankia~ monawile 33 Jurnalistidan 5 gamarjvebuli<br />

dasaxeles.<br />

pirvel adgilze gasul gazeT `24 saaTi~is<br />

korespondent nino natroSvils `Tibisi<br />

bankma~ 1 200 lari gadasca, meore pozicia<br />

daikava da 600 lariT dasaCuqrda `roiteris~<br />

korespondenti niko mWedliSvili, mesame<br />

adgili da 400 lari sazogadoebrivi radios<br />

Jurnalistebma gvanca kikaliSvilma da eka<br />

talaxaZem gainawiles. me-4 adgili daikaves<br />

telegadacema `biznes kurieris~ da mediaholding<br />

GBC-is (sainformacio sa<strong>ge</strong>nto GBC,<br />

13 ivniss gorSi `Tibisi bankis~ axali filiali<br />

gaixsna, romelic moemsaxureba Sida<br />

qarTlSi mcxovreb kerZo pirebsa da region-<br />

Si moRvawe organizaciebsa da bizneskompaniebs.<br />

bankis warmomad<strong>ge</strong>nlebTan erTad filialis<br />

gaxsnas adgilobrivi gubernatori, xelisuflebisa<br />

da inteli<strong>ge</strong>nciis warmomad<strong>ge</strong>nlebi<br />

daeswrnen.<br />

`Tibisi bankis~ goris filiali, romelic<br />

pirvelia Sida qarTlis regionSi, xolo<br />

46-e saqarTvelos masStabiT, im axali standartebis<br />

mixedviT Seiqmna, romelic `Tibisi<br />

bankis~ inovacias warmoad<strong>ge</strong>ns qarTul sabanko<br />

seqtorSi.<br />

ss `banki respublika~<br />

momxmarebels 1 seqtembramde<br />

HYUNDAI -<br />

is markis avtomobilebis<br />

fasdaklebiT SeZenis<br />

saSualebas aZlevs.<br />

aqciis farglebSi<br />

`hiundai verakruzze~<br />

2,220 aTasi aSS dolariani<br />

`hiundai <strong>ge</strong>Tsze~<br />

684 aSS dolaris, `hiundai<br />

elntraze~ 1, 050<br />

aTasi aSS dolaris fasdaklebaa.<br />

aRniSnuli avtomobilebis<br />

SeZena 3-dan 84 Tvemde periodiani ganvadebiT aris SesaZlebeli. sesxis wliuri<br />

ganakveTi 16%-ia.<br />

sazafxulo aqcia, romlis farglebSi `verakruzi~ (Zravis moc: 3,8 sm3) 37 000 aSS<br />

dolari, `<strong>ge</strong>Tsi~ (Zravis moc 1,4 sm3) -10 800 , `elantra~ (Zravis moc: 2,0 sm3) - 16 800 aSS<br />

dolari, `sonata~ (Zravis moc: 2,4 sm3) -24 200 aSS dolari Rirs, 2008 wlis 1 seqtembers<br />

sruldeba.<br />

bankis warmomad<strong>ge</strong>neli oleg esebua aRniSnavs, rom Semodgoma-zamTarSi avtosesxebze<br />

16%-iani ganakveTi SenarCundeba.<br />

6<br />

telekompania `mzeze~ gadacema `kapitali~,<br />

inglisurenovani gazeTi Business Week) Jurnalistebma,<br />

romlebic `Tibisi bankma~ parfiumerul<br />

maRaziaTa qsel Voulez-Vous-s 200larini<br />

vauCeriT daasaCuqra.<br />

media-konkursSi 25 media-saSualebidan<br />

(gazeTi, televizia, radio sainformacio<br />

saa<strong>ge</strong>nto) 33 Jurnalistma miiRo monawileoba.<br />

konkursis daskvniTi RonisZieaba klub<br />

`Tan waiReSi~ gaimarTa.<br />

ss `Tibisi banki~ da sakonsultacio<br />

jgufi `jepra~ morigi media-konkursis<br />

pirobebs 15 seqtembers gamoacxadebs.<br />

`Tibisi bankma~ Sida qarTlSi pirveli<br />

filiali gaxsna<br />

,,es aris msoflioSi erT-erTi yvelaze<br />

Tanamedrove tipis sabanko filiali, romelic<br />

momxmarebels momsaxurebis sruliad gansxvavebul<br />

formebs sTavazobs klientsa da<br />

bankis TanamSromels Soris moxsnilia yovelgvari<br />

barieri, klientebis momsaxureba moxdeba<br />

gaxsnil sivrceSi, sadac klienti Tavisi<br />

TvaliT xedavs momsaxurebis process,~ - acxadeben<br />

bankSi.<br />

aseTi axali koncefciis filialebis Seqmna<br />

`Tibisi bankma~ 5 Tvis winaT daiwyo da<br />

dRemde 12 axali tipis filiali aqvs gaxsnili.<br />

wlis bolomde axali standartebis mqone<br />

40 filiali ifunqcionirebs.<br />

`banki respublika~ somxur bankTan sakontrolo<br />

paketis SeZenaze molaparakebebs awarmoebs<br />

`banki respublika~, sxva msxvili bankebis<br />

msgavsad, regionSi gafarTovebas cdilobs.<br />

somxeTis sabanko bazarze Sesvlas kompania<br />

aqamde ukve samjer ecada, Tumca uSedegod.<br />

`banki respublikas~ menejmenti molaparakebas<br />

sakontrolo paketis SeZenaze rigiT meoTxe<br />

somxur bankTan awarmoebs. molaparakeba rTulad<br />

mimdinareobs, radganac somxuri bankebi<br />

finansuri resursis deficits ar ganicdian da<br />

sakontrolo wilis gayidvas eridebian.<br />

gasul TveSi `respublika bankma~ azerbaijanul<br />

bazarze Sesvlac scada, Tumca aseve<br />

uSedegod. im SemTxvevaSi xeli mas azerbaijanis<br />

sabanko salicenzio regulaciam SeuSala,<br />

romelic ucxouri bankebis qveyanaSi Sesvlas<br />

ewinaaRmde<strong>ge</strong>ba.<br />

`banki respublika~ momxmareblebs `hiundai~-s<br />

avtomobilebze fasdaklebis aqcias sTavazobs

#158<br />

ivnisi<br />

ivnisi<br />

- - ras ras gulisxmobs gulisxmobs safondo safondo bir-<br />

bir-<br />

Jebis Jebis Jebis demuCualizaciis demuCualizaciis procesi?<br />

procesi?<br />

- ukanaskneli 10-15 wlis ganmavlobaSi<br />

mTel msoflioSi aqtiurad<br />

mimdinareobs safondo birJebis demuCualizacia,<br />

romelic gulisxmobs<br />

savaWro adgilebis e.w. monetizacias,<br />

mflobelobisa da vaWrobis uflebebis<br />

gamijnvas; wevr-mesakuTreTa<br />

mflobelobaSi arsebuli aramom<strong>ge</strong>biani<br />

organizacia gardaiqmneba investorTa<br />

mflobelobaSi arsebul,<br />

mo<strong>ge</strong>baze orientirebul saaqcio<br />

sazogadoebebad. gaumjobesebuli<br />

marTvisa da mflobelobis struqtura<br />

ki, cxadia, uzrunvelyofs safondo<br />

birJebis saqmianobis efeqturobisa<br />

da Semosavlebis zrdas, gari<strong>ge</strong>bebis<br />

ufro swrafad da iafad ganxorcielebas,<br />

momsaxurebis xelmisawvdomobas<br />

da sainvesticio xarjebs Semcirebas<br />

fondebis mflobelebisTvis.<br />

,,fasiani qaRaldebis Sesaxeb~<br />

saqarTvelos kanonis Zveli redaqciis<br />

Tanaxmad mxolod licenzirebul sabrokero<br />

kompaniebs hqondaT ufleba<br />

yofiliyvnen safondo birJis mflobelebi;<br />

amasTan saqarTvelos safondo<br />

birJas ekrZaleboda mo<strong>ge</strong>bis ganawileba<br />

mesakuTre wevrebs Soris. kanonis<br />

axali redaqciiT safondo birJis wevri<br />

SesaZloa nebismieri licenzirebuli<br />

safinanso instituti iyos. kanonis axali<br />

redqcia ar iTvaliwinebs limitirebul<br />

mflobelobas, gansxvave-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

`safondo birJis sakuTrebisa da<br />

marTvis struqtura gaumjobesdeba~<br />

ukanasknel ukanasknel ukanasknel ukanasknel ukanasknel wlebSi wlebSi wlebSi wlebSi wlebSi mTel mTel mTel mTel mTel msoflioSi msoflioSi msoflioSi msoflioSi msoflioSi aqtiurad aqtiurad aqtiurad aqtiurad aqtiurad mimdinareobs mimdinareobs mimdinareobs mimdinareobs mimdinareobs e.w. e.w. e.w. e.w. e.w. safondo safondo safondo safondo safondo birJebis birJebis birJebis birJebis birJebis demuCualizacia, demuCualizacia, demuCualizacia, demuCualizacia, demuCualizacia, anu anu anu anu anu maTi maTi maTi maTi maTi<br />

organizaciulorganizaciulorganizaciul organizaciul organizaciul samarTlebrivi samarTlebrivi samarTlebrivi samarTlebrivi samarTlebrivi formisa formisa formisa formisa formisa da da da da da sakuTrebis sakuTrebis sakuTrebis sakuTrebis sakuTrebis struqturis struqturis struqturis struqturis struqturis cvlilebebi, cvlilebebi, cvlilebebi, cvlilebebi, cvlilebebi, romlis romlis romlis romlis romlis mizania mizania mizania mizania mizania wevr-mewevr-mewevr-mewevr-mewevr-me- sakuTreobis sakuTreobis sakuTreobis sakuTreobis sakuTreobis principze principze principze principze principze dafuZnebuli, dafuZnebuli, dafuZnebuli, dafuZnebuli, dafuZnebuli, erTobliv erTobliv erTobliv erTobliv erTobliv mflobelobaSi mflobelobaSi mflobelobaSi mflobelobaSi mflobelobaSi arsebuli arsebuli arsebuli arsebuli arsebuli aramom<strong>ge</strong>biani aramom<strong>ge</strong>biani aramom<strong>ge</strong>biani aramom<strong>ge</strong>biani aramom<strong>ge</strong>biani struqturebis<br />

struqturebis<br />

struqturebis<br />

struqturebis<br />

struqturebis<br />

gardaqmnagardaqmnagardaqmna gardaqmna gardaqmna mo<strong>ge</strong>baze mo<strong>ge</strong>baze mo<strong>ge</strong>baze mo<strong>ge</strong>baze mo<strong>ge</strong>baze orientirebul orientirebul orientirebul orientirebul orientirebul samewarmeo samewarmeo samewarmeo samewarmeo samewarmeo erTeulebad, erTeulebad, erTeulebad, erTeulebad, erTeulebad, romelTa romelTa romelTa romelTa romelTa saqmianobac saqmianobac saqmianobac saqmianobac saqmianobac warimarTeba warimarTeba warimarTeba warimarTeba warimarTeba korporacikorporacikorporacikorporacikorporaci- uli uli uli uli uli samarTlis samarTlis samarTlis samarTlis samarTlis normebis normebis normebis normebis normebis Sesabamisad. Sesabamisad. Sesabamisad. Sesabamisad. Sesabamisad.<br />

fasianifasianifasiani fasiani fasiani qaRaldebis qaRaldebis qaRaldebis qaRaldebis qaRaldebis Sesaxeb Sesaxeb Sesaxeb Sesaxeb Sesaxeb sakarTvelos sakarTvelos sakarTvelos sakarTvelos sakarTvelos kanonmdeblobaSi kanonmdeblobaSi kanonmdeblobaSi kanonmdeblobaSi kanonmdeblobaSi ukanaskneli ukanaskneli ukanaskneli ukanaskneli ukanaskneli cvlilebebis cvlilebebis cvlilebebis cvlilebebis cvlilebebis Sesabamisad, Sesabamisad, Sesabamisad, Sesabamisad, Sesabamisad, garda garda garda garda garda sabrosabrosabrosabrosabrokerokerokerokerokero kompaniebisa, kompaniebisa, kompaniebisa, kompaniebisa, kompaniebisa, saqarTvelos saqarTvelos saqarTvelos saqarTvelos saqarTvelos safondo safondo safondo safondo safondo birJis birJis birJis birJis birJis aqcioneri aqcioneri aqcioneri aqcioneri aqcioneri SeiZleba SeiZleba SeiZleba SeiZleba SeiZleba iyos iyos iyos iyos iyos nebismieri nebismieri nebismieri nebismieri nebismieri licenzirebuli licenzirebuli licenzirebuli licenzirebuli licenzirebuli finanfinanfinanfinanfinan- suri suri suri suri suri instituti, instituti, instituti, instituti, instituti, rogorc rogorc rogorc rogorc rogorc adgileobrivi, adgileobrivi, adgileobrivi, adgileobrivi, adgileobrivi, aseve aseve aseve aseve aseve ucxouri. ucxouri. ucxouri. ucxouri. ucxouri.<br />

saqarTvelos saqarTvelos saqarTvelos saqarTvelos saqarTvelos safondo safondo safondo safondo safondo birJis birJis birJis birJis birJis (ssb) (ssb) (ssb) (ssb) (ssb) aqcionerTa aqcionerTa aqcionerTa aqcionerTa aqcionerTa saerTo saerTo saerTo saerTo saerTo krebam krebam krebam krebam krebam ukve ukve ukve ukve ukve miiRo miiRo miiRo miiRo miiRo gadawyvetileba gadawyvetileba gadawyvetileba gadawyvetileba gadawyvetileba birJis birJis birJis birJis birJis wevrebisa wevrebisa wevrebisa wevrebisa wevrebisa da da da da da<br />

aqcionerebis aqcionerebis aqcionerebis aqcionerebis aqcionerebis uflebamovaleobaTa uflebamovaleobaTa uflebamovaleobaTa uflebamovaleobaTa uflebamovaleobaTa gamijvnisa gamijvnisa gamijvnisa gamijvnisa gamijvnisa da da da da da birJis birJis birJis birJis birJis wesdebaSi wesdebaSi wesdebaSi wesdebaSi wesdebaSi Sesabamisi Sesabamisi Sesabamisi Sesabamisi Sesabamisi cvlilebebis cvlilebebis cvlilebebis cvlilebebis cvlilebebis Setanis Setanis Setanis Setanis Setanis Taobaze. Taobaze. Taobaze. Taobaze. Taobaze.<br />

am am am am am cvlilebebisa cvlilebebisa cvlilebebisa cvlilebebisa cvlilebebisa da da da da da zogadad zogadad zogadad zogadad zogadad demuCualizaciis demuCualizaciis demuCualizaciis demuCualizaciis demuCualizaciis procesebis procesebis procesebis procesebis procesebis Sesaxeb Sesaxeb Sesaxeb Sesaxeb Sesaxeb `bankebi `bankebi `bankebi `bankebi `bankebi da da da da da finansebi~ finansebi~ finansebi~ finansebi~ finansebi~ eqspert eqspert eqspert eqspert eqspert qeTevan qeTevan qeTevan qeTevan qeTevan<br />

lafaCs lafaCs lafaCs lafaCs lafaCs esaubra. esaubra. esaubra. esaubra. esaubra.<br />

momxmarebeli mo<strong>ge</strong>buli darCeba,~ -<br />

aRniSna samSeneblo kompania `ba<strong>ge</strong>bi<br />

siTi jgufi~-is erT-erTi proeqtis<br />

menejerma maia cqitiSvilma.<br />

samSeneblo kodeqsSi kidev erTi<br />

siaxlea - is mSeneblebs momxmareblisTvis<br />

produqtis dasrulebuli<br />

saxiT Cabarebas daavaldebulebs. Sesabamisad,<br />

Savi karkasis cneba bazridan<br />

gaqreba. am iniciativas samSeneblo<br />

kompaniebi miesalmebian da Tvlian,<br />

rom Savi karkasiT binebis<br />

Cabarebis akrZalviT isev da isev momxmarebeli<br />

darCeba mo<strong>ge</strong>buli.<br />

`Savi karkasi, faqtiurad, naxevarfabrikatia<br />

da momxmarebeli amiT<br />

Zalian zaraldeba. zogi myidveli<br />

fiqrobs, rom binas Savi karaksiT iyidis<br />

da Semdeg sakuTari ZalebiT<br />

biT kanonis Zveli redaqciebisagan,<br />

romelic sabrokero kompanias ukrZalavda<br />

pirdapir an arapirdapir bir-<br />

Jis 10% metis flobas,. amasTanave nebismieri<br />

licenzirebuli finansuri instituts<br />

SeuZlia iyos erTze meti<br />

safondo birJis wevri. rogorc CemTvis<br />

cnobilia, saqarTvelos safondo bir-<br />

Jis sameTvalyureo sabWom ukve miiRo<br />

gadawyvetileba safondo birJis demu-<br />

Cualizaciis Sesaxeb. mimaCnia, rom am<br />

procesebis sworad warmarTvis pirobeb-<br />

Si mniSvnelovnad gaumjobesdeba safondo<br />

birJis marTvisa da kontrolis<br />

struqtura, korporatiuli marTvis<br />

xarisxi, Sesabamisad, gafarTovdeba misi<br />

Semdgomi zrdis, ganviTarebisa da kapitalis<br />

mozidvis SesaZleblobebi,<br />

ufro efeqturs gaxdis mis operatiul<br />

saqmianobas, rac rogorc misi aqcionerebis,<br />

aseve kapitalis bazris<br />

``safondo ``safondo birJebis birJebis sajaro sajaro sajaro kompaniebad<br />

kompaniebad<br />

gardaqmniTa gardaqmniTa da da safondo safondo birJis birJis birJis savaWro savaWro sistemaSi<br />

sistemaSi<br />

daSvebiT, daSvebiT, maT maT meti meti gasaqani gasaqani miecaT, miecaT, rogorc<br />

rogorc<br />

kapitalis kapitalis mozidvis, mozidvis, aseve aseve konkurenciaSi konkurenciaSi warmatebis<br />

warmatebis<br />

misaRwevad``<br />

misaRwevad``<br />

demuCualizebuli struqtura (1995).<br />

fasiani qaRaldebis komisiebis<br />

saerTaSoriso organizaciis (IOSCO<br />

) monacemebiT 1999-2003 wlebSi demuCualizebuli<br />

da sajaro kompaniebad<br />

gardaqmnili birjebis ricxvi 10dan<br />

25-mde gaizarda.<br />

dReisaTvis demuCualizebulia<br />

msoflios TiTqmis yvela msxvili safondo<br />

birJa. rogorc msoflios praqtika<br />

gviCvenebs, safondo birJebis demuCualizaciis<br />

procesi xSir SemTxvevaSi<br />

maTi sajaro kompaniad gardaqmniTa da<br />

fasiani qaRaldebis imave birJis vaWrobis<br />

sistemaSi (listingSi) daSvebiT<br />

sruldeba. axali warmonaqmnebis aqcia-<br />

Ta sajaro SeTavazeba mflobelTa wris<br />

gafarToebas da Sesabamisad kapitalis<br />

mozidvis procesis gaiolebas uwyobs<br />

xels. demuCualizaciis procesebis<br />

aucilebloba ZiriTadad ganpirobebulia<br />

teqnologiuri cvlilebebiT, sainformacio<br />

teqnologiebisa da komunikaciebis<br />

ganviTarebiT da konkurenciis<br />

gamZafrebiT rogorc safondo bir-<br />

Jebs, aseve safondo birJebsa da alternatiul<br />

savaWro sistemebs Soris.<br />

- - rogori rogori <strong>ge</strong>saxebaT <strong>ge</strong>saxebaT safondo<br />

safondo<br />

birJis birJis birJis demuCualizaciis demuCualizaciis dadebiTi dadebiTi da<br />

da<br />

uaryofiTiuaryofiTiuaryofiTi Sede<strong>ge</strong>bi Sede<strong>ge</strong>bi kapitalis kapitalis baba-<br />

monawileTa interesebSia.<br />

zris zris monawileTaTvis?<br />

monawileTaTvis?<br />

- - msoflios msoflios safondo safondo birJebma<br />

birJebma - garda dadebiTi Sede<strong>ge</strong>bisa, deamgvariamgvari<br />

reformebi reformebi ukve ukve ganaxorganaxormuCualizaciis<br />

procesi axal inter-<br />

cieles?<br />

cieles?<br />

esTa konfliqtebsa badebs. safondo<br />

- demuCualizaciis procesebi gan- birJebi (miuxedavad imisa, demuCualisakuTrebiT<br />

gaaqtiurda da popularuzebulia Tu ara), warmoad<strong>ge</strong>nen TviTli<br />

gaxda 90-ian wlebSi. stokholmis regulirebad organizaciebs, romelT-<br />

safondo birJis demuCualizacias ac gaaCniaT garkveuli maregulirebe-<br />

(1993), mohyva singapurisa (1999), li uflebamosilebebi, maT Soris: a)<br />

honkongis (2000),. londonis (2000), savaWro sistemaSi daSvebis moTxovnebis<br />

niu-iorkis (2006) da msoflios sxva (salistingo moTxovnebis) gansazRvra<br />

cnobili safondo birJebis demuCual- da monitoringi maT dacvaze; b) vaWroizacia.<br />

indoeTis erovnuli safonbis wesebis dad<strong>ge</strong>na da dacva da sxva,<br />

do birJa ki Tavidanve Seiqmna rogorc zogierT qveynebSi ki licenzirebis<br />

/dasawyisi /dasawyisi /dasawyisi 1,4 1,4 gv./ gv./<br />

gakeTebuli remonti ufro iafi<br />

daujdeba, magram relurad es ase ar<br />

aris. momxmarebels Semdeg am binis<br />

garemonteba gacilebiT Zviri ujdeba.<br />

roca mSenebloba, mTavrdeba, Sesaxlebis<br />

procesi daaxloebiT 2 wlis<br />

manZilze grZeldeba, magram, roca<br />

saubari aris Sav karkasze, aseT SemTxvevaSi,<br />

Sesaxlebis procesi 5 wlamdec<br />

ki iweleba da im adamianebs, romlebic<br />

Tavdapirvelad arian korpuseb-<br />

Si sacxovreblad gadasulni, Zalin<br />

bevri problema eqmnebaT,~ - ganacxada<br />

samSeneblo kompania `arsi~-is marketingis<br />

menejerma cotne ebraliZem.<br />

im samSeneblo kompaniebs, romlebic<br />

kodeqsiT gaTvaliswinebul standartebs<br />

ver akmayofileben, gamkacrebuli<br />

moTxovnebi danaxarjebs gauzrdis. im<br />

pirobebSi, roca ipoTekur sesxze saprocento<br />

ganakveTebi gaizarda, rac Sesa-<br />

safondo bazari<br />

bamisad uZrav qonebaze moTxovnas Seamcirebs<br />

da samSeneblo kompaniebs gayidvebi<br />

SeumcirdebaT, SesaZlebelia, rom<br />

axalma kodeqsma developerebsa da sam-<br />

Seneblo kompaniebs garkveuli problemebi<br />

Seuqmnas. samSeneblo kompania `ba<strong>ge</strong>bi<br />

siTi jgufi~-is erT-erTi proeqtis menejeri<br />

maia cqitiSvili aRniSnavs, rom<br />

dRes bazarze arc ise kargi situaciaa<br />

da standartebis gamkacreba garkveulwilad<br />

bazridan dabali standartebiT<br />

momuSave kompaniebs gacxrilavs.<br />

`samwuxarod, dRes samSeneblo bazarze<br />

Zalin bevri kompania operirebs,<br />

romlebic, albaT, jer kompaniis saxiTac<br />

ar arian Camoyalibebulni. isini<br />

mxolod raRac amxanagobis formiT<br />

arian Sekrebilni, romlebic er-<br />

Toblivi ZalebiT binis aSenebas cdiloben.<br />

momxmarebels Sav karkass sTavazoben<br />

da amiT myidvels Zalian bevr<br />

``safondo ``safondo birJebis birJebis demuCualizacia demuCualizacia gulisxmobs<br />

gulisxmobs<br />

savaWro savaWro adgilebis adgilebis adgilebis e.w. e.w. monetizacias, monetizacias, mflobelobisa<br />

mflobelobisa<br />

da da vaWrobis vaWrobis uflebebis uflebebis gamijnvas; gamijnvas; wevr-mesakuTreTa<br />

wevr-mesakuTreTa<br />

mflobelobaSi mflobelobaSi mflobelobaSi arsebuli arsebuli aramom<strong>ge</strong>biani aramom<strong>ge</strong>biani aramom<strong>ge</strong>biani organizacia<br />

organizacia<br />

gardaiqmneba gardaiqmneba investorTa investorTa mflobelobaSi mflobelobaSi arsebul, arsebul,<br />

arsebul,<br />

mo<strong>ge</strong>baze mo<strong>ge</strong>baze orientirebul orientirebul saaqcio saaqcio sazogadoebebad``<br />

sazogadoebebad``<br />

funqciac gaaCniaT. zogierTi avtoris<br />

azriT, demuCualizebul firmebs erTdroulad<br />

ori qudi axuravT. rogorc<br />

ganviTarebul, aseve ganviTarebis stadiaze<br />

myofi bazrebisTvis aqtualuria<br />

kiTxva- ramdenad obieqturad ganaxorcielebs<br />

birJa, Tavis uflebamosilebas<br />

sakuTari Tavis, anu birJis,<br />

rogorc sakuTar listingSi daSvebuli<br />

kompaniis mimarT da xom ar gamoiyeneben<br />

sakuTar maregulirebel<br />

uflebamosilebebs konkurentebTan<br />

SedarebiT upiratesobebis misaRwevad.<br />

maregulirebeli uflebamosilebebis<br />

gamoyeneba konkurenciaSi upiratesobis<br />

misaRwevad xom axali fenomeni araa.<br />

istoriulad cnobilia, rom zogier-<br />

Ti birJa iRebda wesebs sxva birJebis<br />

konkurenciis Tavidan acilebis mizniT.<br />

sazogadod, msoflioSi mimdinare<br />

demuCualizaciis procesebi dadebiT<br />

movlenad fasdeba, rogorc aqcioner-<br />

Ta interesebis, aseve saoperacio<br />

saqmianobis TvalsazrisiT (Tumca<br />

zogierTi mkvlevaris azriT, demuCualizaciis,<br />

rogorc SedarebiT axali<br />

fenomenis Sede<strong>ge</strong>bis Sefaseba da<br />

interpretacia, sasurvelia, meti sifrTxiliT<br />

ganxorcieldes).<br />

demuCualizebuli birJebi xasiaTdebian<br />

meti saoperacio TaviseuflebiT;<br />

gadawyvetilebebis miRebis<br />

problemas utoveben. darwumenuli var,<br />

rom xarisxis standartebis SemoRebiT<br />

da gamkacrebiT bazari ufro daixveweba.<br />

moxdeba samSeneblo kompaniebis<br />

diferenciacia da is kompaniebi,<br />

romlebic SeZleben, rom bazars adekvaturi<br />

xarisxis standarti da pirobebi<br />

SesTavazon, warmatebuli iqnebian.<br />

samwuxarod, im kompaniebs, sadac es<br />

problemebi manamdec arsebobda, mouwevT<br />

TavianTi politikis Secvla an<br />

am bazridan gamosvla. nebismier SemTxvevaSi,<br />

Cven darwmunebuli varT, rom<br />

amiT momxmarebeli kmayofili darCeba,~<br />

- aRniSnavs maia cqitiSvili.<br />

`arsi~-s marketingis menejeri cotne<br />

ebraliZe dRevandel bazarze Seqmnil<br />

situacias, rodesac samSeneblo<br />

kompaniebi samuSaos daTqmul vadebSi<br />

ver asruleben, krizisulad miiCnevs.<br />

`mSeneblobebis daaxloebiT 80%<br />

7<br />

ufro moqnili struqturiT, menejmentis<br />

orientirebiT mflobelis<br />

interesebze. safondo birJebis sajaro<br />

kompaniebad gardaqmniTa da safondo<br />

birJis savaWro sistemaSi daSvebiT<br />

ki, maT meti gasaqani miecaT,<br />

rogorc kapitalis mozidvis, aseve<br />

korporaciuli Serwymebis da SeZenebis<br />

ganxorcielebisa da konkurenciaSi<br />

warmatebis misaRwevad. es yovelive<br />

ki dadebiTad aisaxeba, rogorc bir-<br />

Jebis, aseve maTi monawileebis saqmianobis<br />

Sede<strong>ge</strong>bze, rasac adasturebs,<br />

rogorc demuCualizebuli birJebis<br />

saqmianobis amsaxveli ZiriTadi finansuri<br />

koeficientebi, aseve momsaxurebis<br />

gazrdili xelmisawvdomoba da<br />

sainvesticio xarjebis Semcireba<br />

fondebis mflobelebisTvis.<br />

rac Seexeba kiTxvas, Tu rogor<br />

aisaxeba saqarTvelos safondo bir-<br />

Jis demuCualizacia misi yofili mesakuTre<br />

wevrebisa da bazris sxva<br />

monawileTa saqmianobaze da interesebze,<br />

mizanSewonilad mimaCnia am<br />

sakiTxis ganxilva ara mxolod demu-<br />

Cualizaciis konteqstSi, aramed kompleqsurad<br />

- finansuri seqtoris<br />

maregulirebel kanonmdeblobaSi<br />

ukanasknel periodSi Setanil sxva<br />

cvlilebebTan erTad.<br />

gvanca gvanca sixaruliZe<br />

sixaruliZe<br />

`samSeneblo kompaniebs `prarabebi~<br />

eliavas bazrobidan mohyavT~<br />

daTqmul vadaze gvian mTavrdeba. Sesabamisad,<br />

menaSeneebis 80% momxmarebelTan<br />

aRebul valdebulebebs ver<br />

asrulebs. am situacias me krizis<br />

davarqmevdi, imitom, rom is pirobebi<br />

rac axla bazarze arsebobs, momxmareblisTvis<br />

wam<strong>ge</strong>biania,~ - miiCnevs<br />

samSeneblo kompania `arsi~-is marketingis<br />

menejeri cotne ebraliZe.<br />

dResdReobiT <strong>saqarTveloSi</strong> sam-<br />

Seneblo bumia. qveyanaSi didi raodenobiT<br />

developeruli da samSeneblo<br />

kompaniebi moqmedeben. aseT swrafad<br />

ganviTarebad seqtors Sesabamisi sakanonmdeblo<br />

regulireba sWirdeba.<br />

imedi viqonioT, rom axal samSeneblo<br />

kodeqsSi momxmareblis uflebebi<br />

maqsimalurad iqneba gaTvaliswinebuli<br />

da arc qalaqis iersaxis damaxijeba<br />

moxdeba.<br />

merab merab merab janiaSvili<br />

janiaSvili<br />

janiaSvili

#158<br />

ivnisi<br />

ivnisi<br />

- - daviwyoT iqidan, rom Tu ar<br />

gvaqvs sabuTi, rom arsebobs raimes<br />

samxilebeli seriozuli kvlevebi da<br />

amas malaven, maSin ver vimsjelebT<br />

am sakiTxze. me namdvilad ar maqvs<br />

sabuTi, rom <strong>saqarTveloSi</strong> arsebobs<br />

seriozuli politikuri an<br />

ekonomikuri kvlevebis Sede<strong>ge</strong>bi da<br />

amas Segnebulad ar aqveyneben, an avrceleben<br />

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aSS-is aSS-is aSS-is aSS-is aSS-is fasiani fasiani fasiani fasiani fasiani qaRaldebisa qaRaldebisa qaRaldebisa qaRaldebisa qaRaldebisa da da da da da birJebis birJebis birJebis birJebis birJebis komisiam komisiam komisiam komisiam komisiam sareitingo sareitingo sareitingo sareitingo sareitingo saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi obligaciebis obligaciebis obligaciebis obligaciebis obligaciebis emitentebisTvis<br />

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konkurenti konkurenti konkurenti konkurenti konkurenti sareitingo sareitingo sareitingo sareitingo sareitingo saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis dasamarcxeblad dasamarcxeblad dasamarcxeblad dasamarcxeblad dasamarcxeblad da da da da da gasamrjelos gasamrjelos gasamrjelos gasamrjelos gasamrjelos misaRebad, misaRebad, misaRebad, misaRebad, misaRebad, emitentebs emitentebs emitentebs emitentebs emitentebs aSS-s aSS-s aSS-s aSS-s aSS-s zogierTma zogierTma zogierTma zogierTma zogierTma<br />

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praqtika praqtika praqtika praqtika praqtika Semdegia: Semdegia: Semdegia: Semdegia: Semdegia: fasiani fasiani fasiani fasiani fasiani qaRaldebis qaRaldebis qaRaldebis qaRaldebis qaRaldebis emisias emisias emisias emisias emisias ramdenime ramdenime ramdenime ramdenime ramdenime sareitingo sareitingo sareitingo sareitingo sareitingo saa<strong>ge</strong>nto saa<strong>ge</strong>nto saa<strong>ge</strong>nto saa<strong>ge</strong>nto saa<strong>ge</strong>nto ukeTebs ukeTebs ukeTebs ukeTebs ukeTebs analizs analizs analizs analizs analizs da da da da da safasurs safasurs safasurs safasurs safasurs<br />

mxolodmxolodmxolod mxolod mxolod is is is is is saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi saa<strong>ge</strong>ntoebi iReben, iReben, iReben, iReben, iReben, romlebic romlebic romlebic romlebic romlebic fasian fasian fasian fasian fasian qaRaldebs qaRaldebs qaRaldebs qaRaldebs qaRaldebs reitings reitings reitings reitings reitings aniWeben. aniWeben. aniWeben. aniWeben. aniWeben. aman aman aman aman aman gamoiwvia gamoiwvia gamoiwvia gamoiwvia gamoiwvia is, is, is, is, is, rom rom rom rom rom emitenemitenemitenemitenemitentebmatebmatebmatebmatebma im im im im im saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis anazRaureba anazRaureba anazRaureba anazRaureba anazRaureba daiwyes, daiwyes, daiwyes, daiwyes, daiwyes, romlebic romlebic romlebic romlebic romlebic yvelaze yvelaze yvelaze yvelaze yvelaze maRal maRal maRal maRal maRal reitings reitings reitings reitings reitings aniWebdnen. aniWebdnen. aniWebdnen. aniWebdnen. aniWebdnen. aRmoCenili aRmoCenili aRmoCenili aRmoCenili aRmoCenili SecSecSecSecSec- domebis domebis domebis domebis domebis mizezis mizezis mizezis mizezis mizezis gasarkvevad gasarkvevad gasarkvevad gasarkvevad gasarkvevad 3 3 3 3 3 sareitingo sareitingo sareitingo sareitingo sareitingo saa<strong>ge</strong>ntos saa<strong>ge</strong>ntos saa<strong>ge</strong>ntos saa<strong>ge</strong>ntos saa<strong>ge</strong>ntos saqmianobis saqmianobis saqmianobis saqmianobis saqmianobis Seswavla Seswavla Seswavla Seswavla Seswavla daiwyo. daiwyo. daiwyo. daiwyo. daiwyo.<br />

SEC warmomad<strong>ge</strong>nlebiswarmomad<strong>ge</strong>nlebiswarmomad<strong>ge</strong>nlebis warmomad<strong>ge</strong>nlebis warmomad<strong>ge</strong>nlebis azriT, azriT, azriT, azriT, azriT, momxdari momxdari momxdari momxdari momxdari Secdomebi Secdomebi Secdomebi Secdomebi Secdomebi SesaZloa SesaZloa SesaZloa SesaZloa SesaZloa ipoTekuri ipoTekuri ipoTekuri ipoTekuri ipoTekuri krizisisa krizisisa krizisisa krizisisa krizisisa da da da da da ekonomikuri ekonomikuri ekonomikuri ekonomikuri ekonomikuri arastabiarastabiarastabiarastabiarastabi- lurobis lurobis lurobis lurobis lurobis mizezi mizezi mizezi mizezi mizezi gaxdes gaxdes gaxdes gaxdes gaxdes aSS-Si, aSS-Si, aSS-Si, aSS-Si, aSS-Si, rac rac rac rac rac Tavis Tavis Tavis Tavis Tavis mxriv, mxriv, mxriv, mxriv, mxriv, msofliozec msofliozec msofliozec msofliozec msofliozec aisaxeba. aisaxeba. aisaxeba. aisaxeba. aisaxeba. Tuki Tuki Tuki Tuki Tuki udidesi udidesi udidesi udidesi udidesi demokratiis demokratiis demokratiis demokratiis demokratiis qveyana qveyana qveyana qveyana qveyana ar ar ar ar ar<br />

arisarisaris aris aris dazRveuli dazRveuli dazRveuli dazRveuli dazRveuli Secdomebisgan, Secdomebisgan, Secdomebisgan, Secdomebisgan, Secdomebisgan, arseboben arseboben arseboben arseboben arseboben Tu Tu Tu Tu Tu ara ara ara ara ara <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> iseTi iseTi iseTi iseTi iseTi kvleviTi kvleviTi kvleviTi kvleviTi kvleviTi centrebi, centrebi, centrebi, centrebi, centrebi, romlebic romlebic romlebic romlebic romlebic polipolipolipolipolitikur,tikur,tikur,tikur,tikur, ekonomikur, ekonomikur, ekonomikur, ekonomikur, ekonomikur, saarCevno saarCevno saarCevno saarCevno saarCevno Tu Tu Tu Tu Tu sxva sxva sxva sxva sxva reitin<strong>ge</strong>bis reitin<strong>ge</strong>bis reitin<strong>ge</strong>bis reitin<strong>ge</strong>bis reitin<strong>ge</strong>bis namdvil namdvil namdvil namdvil namdvil saxes saxes saxes saxes saxes qmnian. qmnian. qmnian. qmnian. qmnian. am am am am am Temaze Temaze Temaze Temaze Temaze `imijmeikerTa `imijmeikerTa `imijmeikerTa `imijmeikerTa `imijmeikerTa saerTasaerTa- saerTa- saerTasaerTa- Soriso Soriso Soriso Soriso Soriso asociaciis~ asociaciis~ asociaciis~ asociaciis~ asociaciis~ prezidentsa prezidentsa prezidentsa prezidentsa prezidentsa da da da da da PR konsultants konsultants konsultants konsultants konsultants maia maia maia maia maia qavTaraSvils qavTaraSvils qavTaraSvils qavTaraSvils qavTaraSvils gavesaubreT.<br />

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nu gavkicxavT. mainc axali, aucilebeli<br />

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Zlebelia Zlebelia Tu Tu Tu ara ara arazusti arazusti da da Se- SeSe- lamazebuli lamazebuli cifrebi cifrebis cifrebi miwodeba miwodeba saersaersaer-saer TaSoriso TaSoriso sareitingo sareitingo kompanieb kompaniebi- kompanieb isTvis<br />

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es xom ar aris ker-<br />

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``imijis ``imijis ``imijis Seqmna Seqmna sakmaod sakmaod rTuli rTuli saqmea, saqmea, gafuWeba gafuWeba -<br />

-<br />

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da<br />

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ixarjeba``<br />

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is eqspertebi, romlebmac saxelmwifo<br />

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am yvelafris gadasamowmeblad<br />

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``arc ``arc ``arc Tu Tu Tu ise ise ise iSviaTad iSviaTad iSviaTad SevxvedrivarT SevxvedrivarT iseT iseT<br />

iseT<br />

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aramed<br />

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asdis``<br />

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8<br />

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profesionalurad daxvewili<br />

da struqturirebuli informacia,<br />

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ekonomikuri movlenebi Tu kultu-<br />

``<strong>saqarTveloSi</strong> ``<strong>saqarTveloSi</strong> sociologiuri sociologiuri kvlevis kvlevis kultura,<br />

kultura,<br />

instituti instituti da da maTze maTze maTze dayrdnobiT dayrdnobiT garkveuli garkveuli seriozuli<br />

seriozuli<br />

Sede<strong>ge</strong>bis Sede<strong>ge</strong>bis dadeba, dadeba, naklebad naklebad arsebobs``<br />

arsebobs``<br />

rul-sportuli saqmianoba. maSin gvipasuxes,<br />

rom amis dro jer ar iyo da<br />

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da mzad varT aqtiurad Caver-<br />

ToT mis daxvewasa da ganxorcielebaSi<br />

da vTvliT, rom saqarTvelom<br />

namdvilad unda Camoayalibos aseTi<br />

instituti, radganac igive baltiis<br />

qveynebma, yazaxeTma Tu somxeTma, es<br />

gza ukve gaiares da igi aprobirebulia.<br />

saxelmwifos imiji da statusi<br />

yalibdeba patar-patara niuansisgan.<br />

Tu erTxel amxiles saxelmwifo<br />

tyuilSi, SemdegSi mas aRar daujereben.<br />

amitom ar SeiZleba es mivandoT<br />

viRacis keTil nebas. qveynis imiji<br />

unda iyos Sors gaTvlili, radgan<br />

imijis Seqmna sakmaod rTuli saqmea,<br />

gafuWeba - Zalian martivi, gamosworebaze<br />

ki kolosaluri dro da Tanxebi<br />

ixarjeba. Tu Tavidanve ar daiwye<br />

sakuTari avtoritetis gafrTxileba<br />

da momavlis mSenebloba, mere rTuli<br />

iqneba.<br />

TamTa TamTa dadeSeli<br />

dadeSeli

#158<br />

ivnisi<br />

ivnisi<br />

navTobze gazrdilma fasma da<br />

amerikis makroekonomikis cudma<br />

statistikam amerikisa da evropis<br />

safondo indeqsebze mkveTrad uaryofiTi<br />

gavlena iqonia. amerikis Sromis<br />

saministros monacemebiT, maisis<br />

TveSi amerikaSi umuSevrobis done naxevari<br />

procentiT gaizarda da 5,5%s<br />

miaRwia. es ki 2004 wlis oqtombridan<br />

yvelaze maRali maCvenebelia.<br />

gasuli kviris bolos Dow Jones<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

navTobze maRali fasi da umuSevroba amerikisa da<br />

evropis safondo bazrebze damangrevel gavlenas axdens<br />

sparseTis yuris qveynebSi inflaciis<br />

zrdam SesaZlebelia am regionSi<br />

erTiani valutis SemoReba<br />

Seaferxos. amis Sesaxeb arabeTis gaer-<br />

Tianebuli saemiroebis centraluri<br />

bankis mmarTvelma naser al suvaidma<br />

sparseTis yuris qveynebis finansur<br />

regulatorebTan Sexvedrisas ganacxada.<br />

saudis arabeTi, omani, kuveiti,<br />

katari, baxreini da arabeTis gaer-<br />

Tianebuli saemiroebi evrozonis msgavsad<br />

2010 wlis 1 ianvrisTvis er-<br />

Tiani valutis SemoRebas <strong>ge</strong>gmaven.<br />

Tumca, mimdinare finansuri da<br />

ekonomikuri problemebi da uwesrigoba<br />

am amocanas seriozulad arTulebs.<br />

`erTiani valuta yovelTvis iqneba<br />

sparseTis yuris qveynebisTvis strategiuli<br />

mizani, TumcaRa misi SemoRebis<br />

grafiki struqturuli cvlilebebisa<br />

da mzardi inflaciis SesabamisobaSi<br />

moyvanis Semdeg Seqmnil situaciazea<br />

damokidebuli. marTalia, ma-<br />

Rali inflacia droebiTi movlenaa,<br />

magram mas mainc SeuZlia imoqmedos<br />

erTiani valutis SemoRebis grafikze<br />

da is 2010 wlis iqiT gadaiwios~, -<br />

ganacxada batonma suvaidim.<br />

eqspertebis azriT, sparseTis<br />

yuris qveynebSi 2008 wels inflaciis<br />

done 9%-ia navaraudevi. saudis<br />

Industrial Averegd-is<br />

indeqsi 3,13%-iT daeca<br />

da bolo 15 Tvis ganmavlobaSi<br />

is yvelaze<br />

cud maCveneblad CaiTvala.<br />

rogorc kvlevam<br />

aCvena, msoflios wamyvanma<br />

safondo indeqsebma<br />

kvira aseve arasaxarbielo<br />

da minus maCveneblebiT<br />

daamTavres.<br />

ase magaliTad: S&P<br />

500-is indeqsi 2,9%-iT<br />

daeca, maRalteqnologiuri NASDAQ<br />

Composite-s indeqsi ki 1,9%-iT. pesimisturi<br />

suraTia evropaSic. xuTi<br />

bolo savaWro sesiis monacemebiT, britanulma<br />

FTSE 100-ma 2,4% dakarga,<br />

<strong>ge</strong>rmanulma DAX 30-ma - 4,13%, xolo<br />

frangulma CAC 40-ma - 4,37%.<br />

miuxedavad imisa, rom CinovnikTa<br />

didi nawili, safondo bazris problemebs<br />

ukve ganvlil etapad miiCnevs,<br />

amerikis safondo bazarze ganviTare-<br />

bul arasaxarbielo procesebs skeptikurad<br />

da uimedod uyureben investorebi,<br />

romlebic darwmunebulni<br />

arian, rom Seqmnili finansuri uwesrigoba<br />

grZelvadiania da TavianTi kapitaldabandebebis<br />

xelaxal gadanawilebaze<br />

iwyeben zrunvas. investorebi<br />

fuls ufro saimedod navTobsa<br />

da oqroSi abandeben.<br />

aseTi procesebis fonze, gamoricxuli<br />

ar aris, rom es kvira amerikisTvis<br />

da danarCeni msofliosTvisac<br />

moulodneli usiamovno ekonomikuri<br />

siaxleebis momtani iqneba. investorebi<br />

mouTmenlad elodebian samomxmareblo<br />

fasebis axali indeqsisa da miCiganis<br />

universitetis mier sandoobis<br />

indikatoris gamoqveynebas. investorebi<br />

aseve mouTmenlad elian amerikis<br />

federaluri sarezervo sistemis xelmZRvanelis<br />

ben bernankis pres-konferenciasac,<br />

sadac man sayuradRebo<br />

gancxadebebi unda gaakeTos.<br />

inflacia dinars walekviT emuqreba<br />

arabul arabul qveynebSi qveynebSi erTiani erTiani valutis valutis SemoReba SemoReba SemoReba gaWianurdeba<br />

gaWianurdeba<br />

VW-is xelmZRvanelobam amerikaSi<br />

Tavisi wam<strong>ge</strong>biani biznesis Semosavlian,<br />

ganviTarebad biznesad gardaqmna gadawyvita.<br />

<strong>ge</strong>rmanuli avtogiganti, uaxloesi<br />

10 wlis Semdeg, amerikaSi<br />

yovelwliurad 300 aTasi cali avtomanqanis<br />

gamoSvebas <strong>ge</strong>gmavs, romelic<br />

evropas moamara<strong>ge</strong>bs. kompaniis war-<br />

arabeTSi ki, romelic navTobis umsxvilesi<br />

eqsportioria msoflioSi,<br />

inflacia aprilis TveSi wliuri<br />

10,5% dafiqsirda, rac bolo 30 weliwadSi<br />

rekorduli maCvenebelia. rac<br />

Seexeba fasebs sursaTze, is 6%-iT<br />

gaizarda. am wlis Sede<strong>ge</strong>bis mixedviT,<br />

rogorc abu-dabis nacionaluri<br />

bankis eqsperti gaias gokenti acxadebs,<br />

sparseTis yuris qveynebSi inflacia<br />

minimum orjer gaizarda,<br />

gamonakliss mxolod baxreini warmoad<strong>ge</strong>ns.<br />

sparseTis yuris qveynebSi Seqmnil<br />

mdgomareobas analitikosebi am regionis<br />

erovnuli valutis dolar-<br />

Tan mibmiTa da masze damokidebulebiT<br />

xsnian. gamonakliss warmoad<strong>ge</strong>ns kuveiti.<br />

amerikuli valutis kursis<br />

dacema xels uwyobs regionSi Semosul<br />

importze fasebis zrdas, rac<br />

Tavis mxriv, xels uwyobs inflaciis<br />

zrdas. amavdroulad izrdeba fasi<br />

navTobsa da sxva nedleulze. `Savi<br />

oqros~ fasma ukve rekordul<br />

maCvenebels 139 dolars barelze miaRwia<br />

da rogorc sainvesticio bank<br />

Morgan stanley-is eqspertebi prognozireben,<br />

uaxloes TveSi es 150<br />

dolaris zRvars gadaabijebs. amis<br />

gaTvaliswinebiT, arabulma qveynebma<br />

rom uari Tqvan damokidebulebaze<br />

dolarTan, maTTvis dadebiTi Sede<strong>ge</strong>bis<br />

momtani iqneba. eqspertebis varaudiT,<br />

Semdegi qveyana, romelic kuveitis<br />

magaliTs mibaZavs da naklebad<br />

an ar iqneba damokidebuli amerikul<br />

dolarze, SesaZlebelia iyos arabe-<br />

Tis gaerTianebuli saemiro, sadac<br />

navTobis eqsportze damokidebuleba<br />

arc ise maRalia, rogorc sxva arabul<br />

qveynebSi.<br />

arabul qveynebSi arsebuli inflacia<br />

da masTan dakavSirebuli problemebi<br />

kargad warmoaCens am qveynebis<br />

ekonomikuri ganviTarebis araerTgvarovnebasa<br />

da gansxvavebas maT Soris,<br />

rac kargi argumentia maTTvis, vinc<br />

erTiani savaluto zonis SemoRebas ar<br />

Cqarobs. eqsperti gaias gokenti miiCnevs,<br />

rom erTiani safinanso politika<br />

SeiZleba verc da arc Seesabamebodes<br />

sparseTis yuris yvela qveyanas. amis<br />

TvalnaTel magaliTad mas is procesebi<br />

mohyavs, rac evrozonis qveynebSi<br />

mimdinareobs. garda amisa, eqspertis<br />

azriT, erTiani valutis SemoRebas am<br />

regionSi seriozul winaaRmdegobas<br />

zogierTi qveynis warmomad<strong>ge</strong>nelTa<br />

politikuri nebis ararsebobac uqmnis,<br />

romelTac finansuri damoukideblobis<br />

dakargvis eSiniaT.<br />

VW-i amerikaSi Tavisi<br />

saqmianobis gafarToebas iwyebs<br />

momad<strong>ge</strong>nlebi aqtiur molaparakebebs<br />

awarmoeben adgilobriv mimwodeblebTan,<br />

raTa Seqmnan iseTi saTadarigo<br />

nawilebisa da komponentebis<br />

rezervi, romlebic amerikaSi gamoSvebuli<br />

modelebisTvis aucilebeli<br />

da saWiroa. VW-is xelmZRvanelis martin<br />

vinterkornis survilia, rom<br />

adgilobrivi avtokompleqtebis wilma<br />

avtowarmoebis 70% Seadginos. meqsika-<br />

Si es maCvenebeli 50%-ia. amerikaSi<br />

qarxnis aSenebis adgili jer garkveu-<br />

msoflio ekonomika<br />

li ar aris. cnobilia, rom VW-is<br />

qarxana Audi-sa da Porsche-s markis<br />

manqanebsac gamouSvebs.<br />

VW-i avtomobilis axal modelzec<br />

muSaobs, romlis samuSao saxelwodebaa<br />

NCS (New Compact Sedan).<br />

am modelis VW-i Toyota Corolla-s<br />

sapirwoned amzadebs, romelmac<br />

amerikis bazarze Toyota Corolla-s<br />

konkurencia unda gauwios. NCS-s<br />

VW-is qarxana pueblSi 2010 wlis<br />

pirvel naxevarSi gamouSvebs.<br />

9<br />

irans evropidan<br />

miliardebi gaaqvs<br />

iranis prezidentma<br />

msxvil bank<br />

Melli-is evrokavSiris<br />

qveynebis bankebidan<br />

Tavisi aqtivebis iranul<br />

centralur bankSi<br />

gadatana mosTxova.<br />

Tanac es droSi<br />

swrafad unda gakeTdes,<br />

raTa evrokav-<br />

Siris qveynebis xelmZRvanelebma,romlebic<br />

amerikis mxridan<br />

ganicdian zewolas,<br />

ar gascen iranuli<br />

aqtivebis gayinvis<br />

gankarguleba. am<br />

informacias anonimur<br />

dasavlel diplomatebzedayrdno-<br />

mahmud<br />

mahmud<br />

biT Daily Telegraap- ahmedinejadi<br />

ahmedinejadi<br />

i aqveynebs. savaraudod,<br />

fuli irans dubais gavliT<br />

daubrundeba.<br />

rogorc Daily Telegraph-is wyaro<br />

ityobineba, mahmudi ahmedinejadim am<br />

aqtivebis evropidan gatanis brZaneba<br />

saidumlod mas Semdeg gasca, rac mais-<br />

Si <strong>ge</strong>rmaniis finansuri kontrolis<br />

organoebma hamburgSi bank Melli-is<br />

filiali Seamowma da garkveuli dar-<br />

Rvevebis Semdeg, bankis muSaoba SeaCera.<br />

es bedi SesaZlebelia iranuli<br />

bankebis Melli-isa da Saderat-is sxva<br />

filialebmac gaiziaron, romlebic<br />

evrokavSiris qveynebSi funqcionireben.<br />

briuseli SiSobs, rom Teirani<br />

Tavisi aqtivebis dabrunebas dubais<br />

meSveobiT moaxerxebs, sadac 10 aTasi<br />

iranuli kompaniaa.<br />

sxvadasxva SefasebiT, dReisaTvis<br />

evropis bankebSi 40 mlrd-dan 80<br />

mlrd `iranul~ dolaramdea ganTavsebuli.<br />

`iranma Tavisi aqtivebis mniSvnelovani<br />

nawili aziuri bankebis<br />

meSveobiT ukve gadaricxa samSoblo-<br />

Si~, - ambobs ruseT-iranis saqmiani<br />

sabWos <strong>ge</strong>neraluri direqtori rajab<br />

safarovi. misive TqmiT, iranis<br />

xelmZRvanelobam dasaja evrokavSiris<br />

qveynebi amerikisadmi brma morCilebis<br />

gamo. es ki evropisTvis Zalian sazianoa,<br />

radganac safarovi ar gamoricxavs,<br />

rom gayinuli aqtivebis san-<br />

acvlod, iranelebi ara marto evropuli<br />

bankebis momsaxurebaze ityvian<br />

uars, aramed evropuli kompaniebis<br />

momsaxurebis gamoyenebazec. `Siemensis<br />

nacvlad iranuli telekomunikacia<br />

ukve Cinurma produqciam daikava.<br />

ivlisSi iranSi unda gaimarTos tenderi<br />

mobiluri operatoris gamosavlenad,<br />

romelic rigiT mesame iqneba<br />

iranSi. mosalodnelia, rom am tenderSi<br />

vercerTi evropuli kompania<br />

ver gaimarjvebs~, - acxadebs safarovi.<br />

amerika ara marto evropaze axdens<br />

zewolas iranis winaaRmdeg, aramed<br />

rogorc analitikosebi amboben, Seecdeba<br />

dubaizec imoqmedos, kerZod,<br />

provocireba gauwios gaerTianebuli<br />

arabul saemiroebsa da irans Soris<br />

davas, romelic sparseTis yureSi sam<br />

kunZuls Seexeba. Tu movlenebi am mimarTulebiT<br />

ganviTarda, irani Tavis<br />

aqtivebs indoeTsa da CineTSi gadaitans.<br />

<strong>bunebrivi</strong>a, amerika indoeTzec<br />

Seecdeba gavlenis moxdenas `birTvuli<br />

gari<strong>ge</strong>bis~ motiviT, magram indoeTi<br />

medgrad icavs Tavis damoukideblobas.<br />

rac Seexeba CineTs, imave<br />

eqspertebis azriT, masze gavlenis<br />

moxdena vaSingtonisTvis gacilebiT<br />

rTulia, radganac CineTi Tavisi<br />

poziciebis dacvas gaerTianebuli erebis<br />

usafrTxoebis sabWoze Seecdeba.<br />

Cineli investorebis `Savi orSabaTi~<br />

CineTis saxalxo bankis gadawyvetileba,<br />

komerciuli bankebisTvis<br />

aucilebeli sarezervo<br />

normebis gazrdis Sesaxeb,<br />

milionobiT investorisTvs<br />

usiamovno siurpizi gamodga.<br />

Sanxaisa da SenCJenis safondo<br />

birJebze CSI 300-is jamuri<br />

indeqsi vaWrobis Sede<strong>ge</strong>bis<br />

mixedviT 8,11%-iani minus SedegiT<br />

damTavrda. bazris monawileebi<br />

mTavrobis mxridan, mzardi<br />

inflaciis moTokvis mizniT,<br />

axal SezRudvebs elodebian.<br />

komerciuli bankebisTvis<br />

sarezervo normebis gazrda<br />

mimdinare wels ukve mexuTed ganxorcielda, xolo bolo 18 Tvis ganmavlobaSi<br />

15-jer. eqspertebis azriT, mTavrobis mier gadadgmuli nabijebi bazridan<br />

422 mlrd. iuanis (60 mlrd. dolari) gamotanas Seuwyobs xels,<br />

romelmac, saboloo jamSi, xeli unda Seuwyos inflaciis daZlevas. CineTSi<br />

aprilis TveSi inflaciam rekordul maCvenebels, wliur 8,5%-s miaRwia.<br />

Cinel investorebs monetaruli regulatoris mier miRebuli gadawyvetilebis<br />

gaanalizebis dro namdvilad hqondaT. orSabaTs safondo bir-<br />

Jebi erovnuli dResaswaulis gamo daketili iyo. is faqti, rom samSabaTs<br />

birJebze kotireba seriozulad daeca, investorebis erTjerad panikur<br />

mdgomareobaze ki ar metyvelebs, aramed es imis maCvenebelia, rom investorebi<br />

finansuri bazris stabilurobas eWvis TvaliT uyureben.<br />

oqspordis universitetis ekonomisti linda iue bazris aseTi reaqciis<br />

gamomwvev or mizezs asaxelebs. pirveli is, rom investorebi mTavrobis<br />

axal gadawyvetilebebs elodebian da frTxiloben, meore mizezi ki msoflioSi<br />

safinanso sistemis krizisia.<br />

gverdi gverdi gverdi moamzada moamzada cico cico kaikaciSvilma<br />

kaikaciSvilma

#158<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

ipoTekuri kreditebi qarTul bankebSi<br />

`saqarTvelos bankis~ `ipo+~ da<br />

`Secvale Seni saxli axliT~<br />

`saqarTvelos banki~ uZravi qonebis SeZenis,<br />

mSeneblobis an garemontebis msurvelebs ipoTekur<br />

kredits `ipo+~-s sTavazobs.<br />

`ipo+~-iT sar<strong>ge</strong>bloba SeuZlia yvelas, visac<br />

gaaCnia stabiluri dadasturebadi Semosavali<br />

TveSi minimum 400 aSS dolaris odenobiT. sesxis vada 3-dan 360 Tvemdea, Tanxa 3000 aSS<br />

dolaridan, xolo wliuri saprocento ganakveTi 14%-dan.<br />

`ipo+~-s, standartuli ipoTekuri sesxisgan gansxvavebiT, gaaCnia saprocento ganakveTebis<br />

ramdenjerme Semcirebis meqanizmi, rac xorcieldeba ipoTekuri sesxisa da msesxeblis danazo<strong>ge</strong>bis<br />

dabalansebis gziT. Tu momxmarebels ipoTekuri sesxis dafarvis 10-20 wliani vadis ganmavlobaSi<br />

gauCnda Tavisufali Tanxa, romelsac imave angariSze dadebs, an misi xelfasi iricxeba<br />

imave sabaraTe angariSze, romelic `ipo+~-sTan aris dakavSirebuli, am SemTxvevaSi, procentis<br />

gadaxda xdeba sesxis ZiriTad Tanxasa da angariSze ganTavsebul Tanxas Soris sxvaobaze.<br />

`saqarTvelos bankis~ servisi `Secvale Seni saxli axliT~ gankuTvnilia im momxmareblebisTvis,<br />

romelTac ipoTekuri sesxi sayofacxovrebo pirobebis gasaumjobeseblad sWirdebaT.<br />

sesxis miReba SesaZlebelia or nawilad: pirveli nawili momxmareblis Semosavlis gaTvaliswinebiT<br />

da meore nawili Zveli saxlis Rirebulebis Sesabamisad, romlis dafarvac axal<br />

saxlSi gadasvlis Semdeg SeuZlia mis mflobels. `Secvale Seni saxli axliT~ sesxis misaRebad,<br />

saWiroa minimum 650 lari Semosavali. sesxis moculoba 3000 aSS dolaridan iwyeba, xolo<br />

sesxis vada 6 Tvidan 20 wlamdea, wliuri procenti 14%-dan.<br />

ipoTekuri sesxis miRebis msurvelebs banki VISA an MasterCard sadebeto plastikur baraTebs,<br />

aseve, sicocxlis, Sromisuunarobisa da umuSevrobis dazRvevas sTavazobs.<br />

`Tibisi banki~<br />

`Tibisi banki~ ipoTekur sesxebs uZravi qonebis<br />

SesaZenad an gasaremonteblad gascems, romlis<br />

wliuri saprocento ganakveTi 13 %-dan<br />

iwyeba. sesxis Tanxa 2000-dan 300 000 aSS dolaramdea,<br />

maqsimaluri vada ki 30 weli. sesxze moqmedebs saSeRavaTo periodi: erTi wlis ganmavlobaSi<br />

SesaZlebelia mxolod daricxuli procentis Tanxis dafarva. procenti iangariSeba<br />

Semcirebadi wesiT, anu is klebulobs ZiriTad TanxasTan erTad.<br />

maT ki, visac Zveli saxlis axliT Secvla surs, `Tibisi banki~ SesaZleblobas aZlevs,<br />

SeiZinos axali bina da ar daelodos Zvelis gayidvas. gansxvavebas axali da Zveli saxlis<br />

Rirebulebebs Soris banki afinansebs. sesxis asaRebad saWiroa stabiluri Semosavali 350<br />

laris odenobiT. Tu momxmarebels ar unda, rom 20-30 weli ixados Tanxa da urCevia, 10 welSi<br />

gadaixados mzardi gadaxdebiT, periodis zrdasTan erTad SesaZlebelia gadaxdebis moculobis<br />

zrda. `Tibisi bankis~ ipoTekuri sesxiT sar<strong>ge</strong>blobisas SesaZlebelia sesxis procentis Semcirebis<br />

`ofset~ funqcia. es niSnavs, rom Tu Tqvens danazogs `Tibisi bankSi~ gaxsnil angariSze<br />

daagrovebT, angariSze dagrovili minimaluri naSTi gamoakldeba sesxis ZiriTad odenobas da<br />

mxolod miRebuli sxvaobidan gamoiTvleba procenti. sesxis winaswari dafarvis SemTxvevaSi,<br />

msesxebeli damatebiT ixdis pirgasamtexlos, winaswar gadaxdili Tanxis 1%-s. msesxebels moeTxoveba<br />

sicocxlis dazRveva, romlis sakomisio 0.72%-ia.<br />

sesxis uzrunvelyofis sabazro Rirebuleba sesxis Tanxas minimum 1,25-jer unda aRematebodes.<br />

aseve, saWiroa obieqtis dazRveva, rac sadazRvevo Tanxis wliuri 0,34%-ia. `Tibisi<br />

bankis~ ipoTekuri sesxebis damtkiceba sam dReSia SesaZlebeli.<br />

`banki respublikas~<br />

`Cemi kuTxe~<br />

`banki respublikas~ ipoTekuri sesxi `Cemi<br />

kuTxe~ binebis Sesyidvis, mSeneblobisa da remontisTvis<br />

gaicema. sesxis moculoba SeuzRudavia,<br />

vada ki 25 wlamdea. sesxis dafarva Semosavlebis<br />

periodulobis mixedviT TveSi,<br />

kvartalSi an eqvs TveSi erTxelaa SesaZlebeli.<br />

sanam momxmarebeli axal saxls moZebnis, sesxi pirobiTad, winaswar umticdeba, raTa sasurveli<br />

saxlis moZebnisTanave SeZlos misi SeZena. `Cemi kuTxiT~ sar<strong>ge</strong>blobisTvis aucilebeli minimaluri<br />

yovelTviuri Semosavali 400 aSS dolaria. saprocento ganakveTi ki 13%-dan 21%-mde.<br />

sesxis misaRebad mxolod piradobis mowmoba da Semosavlis damadasturebeli dokumentia<br />

saWiro.<br />

BTA Silk Road Bank<br />

ipoTeka<br />

`bta silq roud banki~ ipoTekuri sesxis<br />

miRebis msurvelebs mravalferovan arCevans da<br />

pirobebs sTavazobs. es aris standartuli ipoTekuri<br />

sesxi, remonti, axali saxli, komerciuli<br />

sesxi da sakurorto zona.<br />

standartuli ipoTekuri sesxis misaRebad saWiro Semosavlis odenoba 300 aSS dolaridan<br />

iwyeba, maqsimaluri vada ki 240 Tvemdea. sesxis Tanxa 5000-dan 250000 aSS dolaramdea, xolo<br />

saprocento ganakveTi 14 %-dan.<br />

remontisTvis saWiro Tanxis moculoba 1000-dan 70000 dolaramde ganisazRvreba, wliuri<br />

saprocento ganakveTi 16%-dan, maqsimaluri vada ki 72 Tvea.<br />

`silqroud bankis~ `axali saxlis~ saSualebiT SesaZlebelia ipoTekuri sesxis miReba<br />

axali binis an agarakis SesaZenad da asaSeneblad. sesxze wliuri saprocento ganakveTi, iseve,<br />

rogorc komerciul kreditze, 17%-s Sead<strong>ge</strong>ns, maqsimaluri Tanxa `axali saxlisTvis~ 150 000<br />

dolars, xolo komerciuli<br />

kreditisTvis 500 000 dolaria.<br />

igive moculobis Tanxis miRebaa SesaZlebeli sesxiT<br />

`sakurorto zona~, romelic mis momxmarebels wliuri 15%-is sanacvlod,<br />

sasurvel kurortze binis SeZenas, aSenebasa da garemontebas sTavazobs.<br />

`silqroud bankis~ ipoTekuri kreditebis uzrunvelyofas uZravi qoneba warmoad<strong>ge</strong>ns,<br />

romelic msesxeblis an misi ojaxis wevris sakuTrebaa. sesxis gacemis sakomisio<br />

0,3% Sead<strong>ge</strong>ns.<br />

`standart banki~<br />

10<br />

`standart bankis~ ipoTekur sesxebze saprocento<br />

ganakveTi 13%-dan 20%-mdea. sesxis odenoba<br />

5000-75000 aSS dolars Sead<strong>ge</strong>ns, dafarvis<br />

vada ki 20 wlamdea. sesxis misaRebad yovelTviuri<br />

Semosavali minimum 400 aSS dolars unda Sead<strong>ge</strong>ndes. `standart banki~ Tavis momxmarebels,<br />

ipoTekuri kreditis miRebasTan erTad, damatebiT momsaxurebas - Semosavlis dakargvis<br />

dazRvevasa da viza sakredito baraTs sTavazobs.<br />

`prokredit banki~<br />

`prokredit banki~ ipoTekur sesxebs 4000<br />

laramde giraos gareSe gascems, romelTa vadebi<br />

aSS dolarSi 15 wlamde, xolo larSi 5<br />

wlamdea. Tanxis moculoba ki 50-dan 100 000<br />

aSS dolaramde. visac `prokredit bankSi~ saxelfaso<br />

angariSi gaaCnia, SeRavaTiani ipoTekuri<br />

kreditiT SeuZlia sar<strong>ge</strong>bloba. aseT sesxebze<br />

wliuri saprocento ganakveTi aSS dolarSi 14 20 % da larSi 16 20 %-ia.<br />

`saxalxo banki~<br />

`saxalxo bankis~ saxalxo krediti ipoTekur<br />

sesxebs wliuri 18-dan 24%-mde saprocento<br />

ganakveTiT gascems. procenti Semcirebadi wesiT<br />

iangariSeba da sasesxo valdebulebis dafarvis<br />

periodSi misi ramdenjerme Semcirebaa SesaZlebeli. sesxis moculoba 3000-dan 100000<br />

aSS dolaramdea, sesxis vada ki 3-dan 24 Tvemde. sesxis misaRebad saWiro minimaluri Semosavali<br />

400 lars Sead<strong>ge</strong>ns.<br />

`bazis banki~<br />

`bazis bankis~ ipoTekuri kreditis moculoba<br />

1000-dan 100 000 aSS dolaramdea. wliuri<br />

saprocento ganakveTi 12%-dan iwyeba. sesxis<br />

moculoba Sesabamisi obieqtis Rirebulebis<br />

70%-s ar unda aRematebodes. sesxis vada 6<br />

Tvidan 10 wlamdea, mis misaRebad saWiro Semosavali ki 500 lari. msesxebelma igi yovelTviurad,<br />

TveSi orjer unda dafaros, ise, rom sesxis ZiriTadi Tanxa da procentis jami erTsa da<br />

imave Tanxas Sead<strong>ge</strong>ndes. sesxis damtkiceba sam dReSia SesaZlebeli.<br />

`taoprivatbanki~<br />

`taoprivatbanki~ iuridiul pirebs biznesipoTekas<br />

sTavazobs. es aris sesxi komerciuli,<br />

saofise an sawarmoo farTis SesaZenad. sesxze<br />

wliuri procenti 10,5%-dan iwyeba, Tanxis moculoba<br />

ki 150 000 aSS dolars Sead<strong>ge</strong>ns. biznesipoTekis vada 15 welia, Tanamonawileoba 10%.<br />

nata nata maruqaSvili<br />

maruqaSvili

#158<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

rogor SeviZinoT qoneba giraos gareSe<br />

/dasawyisi /dasawyisi 1 1 gv./<br />

gv./<br />

lizingi - sabanko kreditis alternativa<br />

<strong>saqarTveloSi</strong> salizingo kompaniebi klientebs<br />

finansur da dabrunebiT lizings sTavazoben. finansuri<br />

lizingis vadebi 5-dan 15 wlamdea. salizingo<br />

kompania Seisyidis klientis mier SerCeul<br />

konkretul nivTs da yovelTviuri sazRauris gadaxdis<br />

sanacvlod, gadascems mas sar<strong>ge</strong>blobaSi. salizingo<br />

sazRauris srulad gadaxdis Semdeg, klienti<br />

lizingis sagnis mesakuTre xdeba.<br />

rac Seexeba dabrunebiT lizings, am SemTxvevaSi,<br />

salizingo kompania klientis fiqsirebul<br />

aqtivebs yidulobs da mas finansuri lizingiT<br />

gadascems. klienti aqtivebiT sar<strong>ge</strong>blo-<br />

gaTamaSebebis bumi qarTul bankebSi<br />

saqarTvelos komerciuli bankebi anbrebis<br />

mozidvis sxvadasxva xerxs mimarTaven. depozitarebis<br />

saprocento ganakveTebiT dainteresebasTan<br />

erTad, `saqarTvelos banki~, `Tibisi<br />

banki~ da `viTibi banki jorjia~ momxmarebels<br />

sxvadasxva saxis gaTamaSebasac sTavazoben. am<br />

gaTamaSebebis meSveobiT meanabreebs SeuZlia,<br />

miiRon wliuri sar<strong>ge</strong>bli, aseve wlis ganmavlobaSi<br />

mravali prizis, wlis bolos ki milionis<br />

mo<strong>ge</strong>bis Sansi eZlevaT.<br />

`Tibisi banki~ 2008 wlis ganmavlobaSi<br />

Tavisi meaanabreebisTvis milion larsa da 9<br />

avtomobils aTamaSebs. gaTamaSebaSi monawileobis<br />

miReba saqarTvelos yvela srulwlovan<br />

moqalaqes SeuZlia, amisaTvis ki 16 dekembramde<br />

sul mcire 2000 laris anbarze Setanaa aucilebeli,<br />

xolo Tu meanabris danazogis odenoba<br />

sakmarisi araa, SeuZlia `Tibisi bankis~ swrafi<br />

sesxiTac isar<strong>ge</strong>blos. gamarjvebulTa gamovlena<br />

pirdapir eTerSi albaTobis principiT, lototronidan<br />

bileTebis SemTxveviTi SerCevis<br />

safuZvelze xdeba. TiToeuli meanabrisTvis<br />

qulebis miniWeba ganisazRvreba anabris tipis,<br />

gaxsnis TariRis, Tanxisa da vadianobis gaTvaliswinebiT.<br />

is vinc `vadian~, `vadiani +~ da<br />

`zrdad~ anabrebs gaxsnis, yovel Setanil 2000<br />

larze erT bileTs miiRebs, xolo 12 Tvian da<br />

meti vadianobis anabrebze bileTebis raodenoba<br />

ormagdeba da yovel 2000 larze 2 bile-<br />

Ti gaicema. anabari `Cemi seifis~ gaxsnis SemTxvevaSi<br />

ki anabarze Tvis bolos dafiqsirebuli<br />

minimaluri Tanxis 2000-ze gayofiT miRebuli<br />

ricxvis bileTebi gaicema. anabris erTxel gaxsnis<br />

SemTxvevaSi depozitars ufleba aqvs yvela<br />

gaTamaSebaSi miiRos monawileoba anabris<br />

vadis gasvlamde, xolo vinc erTxel moi<strong>ge</strong>bs<br />

avtomobils, mas wlis bolos mxolod milionis<br />

mo<strong>ge</strong>bis Sansi aqvs. cxra avtomobilis `hiundai<br />

elantra~-s gaTamaSeba 2008 wlis yove-<br />

uyaimo TamaSebi<br />

bas Cveulebriv agrZelebs da lizingis sazRauris<br />

gadaxdis Semdeg, sakuTrebis uflebas<br />

ibrunebs.<br />

CvenTan gavrcelebulia azri, rom lizingi<br />

mewarmisaTvis imitomaa xelsayreli, rom salizingo<br />

vadis gasvlis Semdeg, lizingiT aRebuli<br />

manqanamowyobilobebi narCeni RirebulebiT mewarmis<br />

sakuTrebaSi rCeba. sinamdvileSi ki, swarfi<br />

samecniero-teqnikuri progresis pirobebSi, mewarmisaTvis<br />

es xelsayreli ar aris, radgan, Tavisi<br />

saxsrebiT nayidi teqnika firmas male uZveldeba<br />

da usar<strong>ge</strong>blo xdeba, rac xarjebTan aris dakav-<br />

Sirebuli. lizingiT aRebuli teqnikis SemTx-<br />

anabrebis mozidvis qarTuli xerxebi<br />

li Tvis bolo SabaTs gaimarTeba, xolo 31<br />

dekembers mTavari prizi, milioni gaTamaSdeba.<br />

mTavari prizis gaTamaSebaSi monawileobis misaRebad<br />

depozitars 2008 wlis 15 dekembris<br />

mdgomareobiT `Tibisi bankSi~ moqmedi minimum<br />

samTviani anabari unda hqondes.<br />

`saqarTvelos bankis~ gaTamaSebaSi monawi-<br />

vevaSi ki, rodesac ijaris vada gadis, firmas<br />

SeuZlia, teqnika salizingo kompaniisgan gamoisyidos<br />

an daubrunos. rodesac firma cdilobs,<br />

teqnika naklebi droiT aiRos da kontraqtSi<br />

ukan dabruneba daafiqsiros, es misTvis gacilebiT<br />

mom<strong>ge</strong>biania.<br />

<strong>saqarTveloSi</strong> ufro avtomobilebisa da<br />

sayofacxovrebo sagnebis lizingia gavrcelebuli,<br />

xolo erovnuli meurneobis wamyvan<br />

dar<strong>ge</strong>bSi, rogoricaa mSenebloba, mrewveloba,<br />

soflis meurneoba, lizingi naklebad aris ganviTarebuli.<br />

nata nata maruqaSvili<br />

maruqaSvili<br />

leobis misaRebad aucilebelia, 24 dekembris<br />

CaTvliT, minimum 500 lariani depozitis gaxsna<br />

aranakleb sami Tvis vadiT. meanabre yovel<br />

500 larze erT bileTs miiRebs, xolo bileTebis<br />

raodenoba gaormagdeba, Tu anabris<br />

vada 3 Tves orjer aRemateba, gasammagdeba Tu<br />

anabris vada 9 Tvea da a.S. pirveli gaTamaSeba<br />

11<br />

bankebi<br />

mzRvevelebis gamo<br />

dazaraldebian<br />

UBS-ma, -ma, Citigroup-ma -ma -ma da da Merrill<br />

Lynch-ma -ma SesaZloa SesaZloa miliardobiT<br />

miliardobiT<br />

dolari dolari dolari dakargon dakargon<br />

dakargon<br />

amerikulma bankebma Merrill Lynch-ma da<br />

Cirigroup-ma da evropulma UBS-ma SesaZloa 10<br />

mlrd. dolariT izaralon. es dakavSirebulia<br />

imasTan, rom amerikaSi obligaciis mzRvevelebi<br />

maRali reitin<strong>ge</strong>bis gareSe darCnen. aseT<br />

prognozs akeTebs avtoritetuli amerikeli<br />

analitikosi merediT uitni Oppenheimer & Godan.<br />

am mizeziT samma bankma ukve dakarga 10<br />

mlrd. moculobis fasiani qaRaldebi.<br />

ramdenime dRis ukan sareitingo saa<strong>ge</strong>nto<br />

Standard & Poor's-ma obligaciis or msxvil<br />

mzRvevels MBIA-sa da Ambac-s umaRlesi<br />

reitingi Seuwyvita. Sesabamisad gadaxedili<br />

iqneba am mzRvevelebis mier dazRveuli<br />

fasiani qaRaldebis reitingi, romelic 1<br />

trilion dolarze meti Rirebulebisaa.<br />

dazRveuli obligaciebi, romlebic Tundac<br />

umaRlesi reitingiT iyos Sefasebuli, mzRvevelis<br />

reitings Rebulobs da am ukanaknelis<br />

Semcirebis SemTxvevaSi, am obligaciebis reitingi<br />

gadaxedvas saWiroebs. am SemTxvevaSi<br />

bankebi iZulebulni arian maTi Rirebulebis<br />

nawili TavianTi balansidan Camoweron. rogorc<br />

eqspertebi acxadeben, obligaciebis mzRvevelebis<br />

problemebis gamo, bankebma SesaZlebelia<br />

40 mlrd. dolari izaralon. materialuri<br />

danakargi sam banks emuqreba. maT Soris yvelaze<br />

didi zarali SesaZloa msxvil evropul<br />

banks UBS-s miad<strong>ge</strong>s, romelic dakreditebis<br />

krizisis gamo, isedac dazaralda.<br />

gaimarTeba 2008 wlis 4 ivliss, momdevno3<br />

oqtombers da sami saprizo Tanxa, erTi 50000<br />

dolari da ori 25000 dolari, gaTamaSdeba,<br />

mesame gaTamaSeba ki 30 dekembers Catardeba da<br />

mTavari prizis - milionis mflobeli gamovlindeba.<br />

erTxel mo<strong>ge</strong>bis SemTxvevaSi gaTamaSebaSi<br />

monawileobas darCenili bileTebi ganagr-<br />

Zobs. meanabres Tu aqciis dawyebamde aqvs anabari<br />

gaxsnili, SeuZlia Sesabamis servis-centrSi<br />

gaTamaSebaSi monawileobis miRebis survili<br />

daafiqsiros. aseve misi depoziti aqtiuri<br />

unda iyos gaTamaSebis TariRisaTvis. Tu<br />

meanabres depozitis gaxsnisTvis danazogi ar<br />

hyofnis, SeuZlia isar<strong>ge</strong>blos axali programiT<br />

`sesxi milionisaTvis~, romelic piradobis<br />

mowmobis safuZvelze gaicema.<br />

`viTibi banki jorjia~-s wamaxalisebel sadepozito<br />

gaTamaSebaSi monawileobis misaRebad<br />

saWiroa meanabrem erTwlian vadian anabraze ganaTavsos<br />

minimum 500 lari an 300 dolari an<br />

300 evro, depozits maqsimum wliuri 13.5%<br />

daericxeba. gaTamaSeba telekompania `mzis~ eTerSi<br />

mTeli wlis manZilze periodulad gaimarTeba,<br />

yovel gaTamaSebaze 10 meanabre moi<strong>ge</strong>bs 1000<br />

larian plastikur baraTs, xolo erTi 10000<br />

lars, wlis bolos ki 150000 lari gaTamaSdeba.<br />

bankebis aseTi gaaqtiureba da brZola adgilobrivi<br />

Tavisufali fuladi saxsrebis mosazidad,<br />

eqspertma daviT narmaniam ase Seafasa:<br />

`dResdReobiT komerciuli bankebis fuladi<br />

resursebi didi araa. saerTaSoriso bazrebze<br />

ki kreditebis miReba sakmaod Zviria da garkveul<br />

procedurebTan, maT Soris sandoobis xarisxis<br />

gansazRvrasTanaa dakavSirebuli. amave dros<br />

isini axal, Tanamedrove sabanko produqtebs<br />

nergaven. rogorc Cans, maT gaTvlili aqvT am<br />

aqciebis Sedegad misaRebi mo<strong>ge</strong>ba da swored am<br />

politikiT cdiloben anabrebis mozidvas.<br />

gvanca gvanca sixaruliZe<br />

sixaruliZe

#158<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

vakansiebi bankebSi<br />

Tu Tqven xarT studenti an axalkursdamTavrebuli<br />

Tu Tqven xarT studenti, an axlaxans daamTavreT umaRlesi saswavlebeli da fiqrobT<br />

samomavlo <strong>ge</strong>gmebze, ,,saxalxo banki~ gamocdilebis gaziarebisa da Tqveni profesionalad<br />

CamoyalibebisTvis xelSewyobis SesaZleblobas gaZlevT.<br />

kadrebis swori SerCeva bankis umniSvnelovanesi amocanaa. amisaTvisac SemuSavda specialuri<br />

sistema - treining-centri, romelic niWieri axalgazrdebis bankis srulfasovan<br />

TanamSromlebad Camoyalibebas iTvaliswinebs.<br />

im axalgazrdebs, romlebic warmatebiT gaivlian gasaubrebas, erTi Tvis ganmavlobaSi<br />

leqciebs waukiTxaven bankis gamocdili TanamSromlebi, CautardebaT praqtikuli mecadineobebi.<br />

kursis bolos, testirebis gavlis Semdeg, warCinebiT kursdamTavrebulebs gadaecemaT<br />

serTifikati. umaRlesi Sefasebis SemTxvevaSi ki iwyeben muSaobas `saxalxo bankSi~.<br />

Tu gsurT ,,saxalxo bankis~ treining-centrSi praqtikis gavla, warmoadgineT:<br />

- CV<br />

- 2 fotosuraTi<br />

- diplomis asli (Tu studenti xarT, cnoba umaRlesi saswavleblidan)<br />

- niSnebis furceli.<br />

- bankis moTxovnebi:<br />

- ekonomikuri ganaTleba.<br />

- umaRlesi Sefaseba.<br />

- saofise kompiuteruli programebi.<br />

`prokredit banki~ acxadebs vakansias<br />

recefcionistis Tanamdebobaze<br />

ZiriTadi ZiriTadi movaleobebi:<br />

movaleobebi:<br />

movaleobebi:<br />

stumrebis miReba;<br />

saSvebis gacema da kontroli;<br />

vakansiebis Sesaxeb konsultaciis gaweva;<br />

fostis miReba-ganawileba.<br />

moTxovnebi:<br />

moTxovnebi:<br />

saofise kompiuteruli programebis codna;<br />

rusuli da inglisuri enebis Tavisuflad codna;<br />

komunikabeluroba da gundSi muSaobis unari.<br />

dainteresebul pirebs SeuZliaT warmoadginon reziume vakansiis dasaxelebiT receptionist<br />

da Sevsebuli saaplikacio forma (ix. danarTi) Semdeg misamarTze:<br />

`prokredit `prokredit bankis~ bankis~ saTao saTao saTao ofisi<br />

ofisi<br />

d. aRmaSeneblis gamziri 154, Tbilisi 0112<br />

an gamogvigzavnon el-fostiT Semdeg misamarTze: career@procreditbank.<strong>ge</strong><br />

gTxovT, el-fostis Temis grafaSi miuTiToT vakansiis dasaxeleba receptionist da<br />

aseve Tan daurToT Sevsebuli saaplikacio forma (ix. danarTi). winaaRmdeg SemTxvevaSi,<br />

Tqveni ganacxadi ar ganixileba.<br />

ganacxadis miRebis bolo vada: 2007 wlis 17 ivnisi.<br />

gTxovT, gaiTvaliswinoT, rom dakavSireba moxdeba mxolod SerCeul kandidatebTan.<br />

mikrosafinanso organizaciebi<br />

12<br />

`standart banki~ acxadebs miRebas usafrTxoebis<br />

samsaxuris administratoris Tanamdebobaze<br />

sakvalifikacio moTxovnebi:<br />

umaRlesi ganaTleba<br />

muSaobis gamocdileba: eqvsi Tve<br />

enebi: qarTuli, inglisuri da rusuli<br />

pirovnuli Tvisebebi:<br />

Sromismoyvaeroba, energiuloba da disciplinirebuloba,<br />

komunikabeluri, pasuxism<strong>ge</strong>blobis maRali grZnobiT<br />

dainteresebulma aplikantebma unda warmoadginon reziume misamarTze:<br />

hr@standardbank.<strong>ge</strong><br />

aplikantebis sayuradRebod: gTxovT, miuTiToT pozicia, romelzec SemogaqvT ganacxadi<br />

da warmoadginoT sabuTebis aslebi, radgan miRebuli sabuTebi aplikants ukan ar<br />

ubrundeba. testirebisa da gasaubrebisTvis mowveulni iqnebian mxolod kvalificiuri<br />

kandidatebi. satelefono zarebi ar miiReba.<br />

gisurvebT gisurvebT warmatebas!<br />

warmatebas!<br />

`agroinvestbanki~ acxadebs vakansias<br />

Sida auditis Tanamdebobaze<br />

ZiriTadi ZiriTadi saqmianoba: saqmianoba:<br />

saqmianoba:<br />

Sida auditis warmoeba, auditoruli<br />

meTodebisa da normebis<br />

gansazRvra.<br />

Sida kontrolisa da riskebis<br />

warmoeba.<br />

miiRos standartuli gadawyvetilebebi Sida auditorul saqmianobaSi.<br />

daskvnebis gakeTeba mimdinare procesebTan dakavSirebiT.<br />

moTxovnilebebi:<br />

moTxovnilebebi:<br />

umaRlesi ganaTleba ekonomikaSi/buRalteriaSi/auditSi/sabanko saqmeSi.<br />

1-3 w. samuSao gamocdileba sabanko auditSi.<br />

kargi analitikuri da organizaciuli unar-Cvevebi.<br />

damoukideblad muSaobis unari. saofise programebis codna (MS Office).<br />

inglisuri enis codna.<br />

msurvelebma gamoagzavneT Tqveni CV Semdeg el. fostaze: agrbank@agrbank.<strong>ge</strong><br />

mikrosafinanso organizaciebi _ kreditis miRebis martivi gza<br />

Cveni Cveni mizani mizani mizani mikro mikro mikro da da mcire mcire biznesis biznesis ganviTarebis ganviTarebis xelSewyobaa<br />

xelSewyobaa<br />

/dasawyisi /dasawyisi 6 6 6 gv./ gv./<br />

vaxtang Seliava.<br />

zedamxedvelobis saa<strong>ge</strong>ntos daevala. mikrosafinanso<br />

organizaciebis Sesaxeb kanonmdebloba,<br />

SeiZleba iTqvas, sakmaod martivia. es dokumenti<br />

sul eqvsgverdiania da ramdenime principul<br />

sakiTxs aregulirebs. mTavari moTxovnebi<br />

mikrosafinanso organizaciis mimarT aris auci-<br />

qarTul bazarze mikrosafinanso organizaciebis<br />

produqtebi da momsaxureba didad ar<br />

gansxvavdeba igive Sinaarsis sabanko momsaxurebisagan,<br />

magram radgan mikrosafinanso organizaciebis<br />

mTavari prioriteti da ZiriTadi<br />

mimarTuleba mikrosesxebia, am tipis sesxebis<br />

momsaxurebaSi mik-<br />

``CvenTan ``CvenTan gacilebis gacilebis swrafi swrafi momsaxurebaa, momsaxurebaa, klienti<br />

klienti<br />

SedarebiT SedarebiT SedarebiT martivad martivad iRebs iRebs iRebs kredits. kredits. aseve,<br />

aseve,<br />

momxmarebels momxmarebels mikrosafinanso mikrosafinanso organizaciebSi<br />

organizaciebSi<br />

rosafinansoorganizaciebs mainc aqvT<br />

garkveuli upiratesobebi.<br />

`saprocento<br />

bankebisagan bankebisagan gansxvavebiT gansxvavebiT ar ar ar uxdeba uxdeba damatebiTi<br />

damatebiTi ganakveTebis mixedviT<br />

xarjebis xarjebis gaReba, gaReba, magaliTad, magaliTad, rogoricaa rogoricaa gacemisa gacemisa da da<br />

da bankTan konkurencia<br />

dafarvis dafarvis sakomisio`` sakomisio`` - - vaxtang vaxtang Seliava<br />

Seliava<br />

gviWirs, Tumca, Cvenc<br />

gvaqvs garkveuli uplebeli<br />

minimaluri sawesdebo kapitali 250<br />

000 laris odenobiT. agreTve, mikrosafinanso<br />

organizacias ar SeuZlia 50 000 larze<br />

meti odenobis kreditis erT msesxebelze gacema.<br />

bankebisgan gansxvavebiT am tipis organizaciebs<br />

ar aqvT SesaZlebloba finansuri resursebi<br />

depozitebiT moizidon. erTi sityviT, mikrosafinanso<br />

organizaciebis saqmianoba, sakmaod<br />

martivad regulirdeba, rac am bazarze moiratesobebi.<br />

CvenTan<br />

gacilebiT swrafi momsaxurebaa, klienti SedarebiT<br />

martivad iRebs kredits. aseve, momxmarebels<br />

mikrosafinanso organizaciebSi bankebisagan<br />

gansxvavebiT ar uxdeba damatebiTi xarjebis<br />

gaReba, magaliTad, rogoricaa gacemisa<br />

da dafarvis sakomisio,~ - acxadebs vaxtang Seliava<br />

dReisaTvis qarTuli mikrosafinanso orqmed<br />

kompaniebs farTo SesaZleblobebs aZlevs. ganizaciebis bazarze 19 kompania operirebs.<br />

`es aris Zalian kargi da progresuli kanoni, maTi umravlesoba bazarze bolo dros Semov-<br />

romelic sworad aregulirebs bazars. rac ida. sadReisod am tipis organizaciebis baz-<br />

mTavaria, licenziis gacema martivad xdeba da arze udavo lideria `konstanta~, romelsac<br />

maregulirebel organoebTan urTierToba swo- Tu mikrosafinanso organizaciebis konteqstrad<br />

aris gansazRvruli. gvaqvs garkveuli SeniS- Si ganvixilavT, bazris 42% uWiravs. gacemuli<br />

vnebi, magaliTad, erT msesxebelze gasacemi maqsi- sesxebis mixedviT, ra Tqma unda, dedaqalaqi<br />

maluri sesxi, Tumca es mTavari ar aris~, - liderobs, meore pozicias ki imereTis regio-<br />

miiCnevs mso `qarTuli kreditis~ direqtori ni ikavebs. mikrosafinaso organizaciebis war-<br />

matebuli saqmianoba Cveni qveynis ekonomikuri<br />

cxovrebisTvis udides mniSvnelobas atarebs.<br />

qveyanaSi, romlis prioriteti dasaqmebis problemis<br />

mogvareba, soflis meurneobisa da mcire<br />

biznesis ganviTarebaa, mcire masStabebis finansuri<br />

resursebis iolad xelmisawvdomoba<br />

sakmao datvirTvas iRebs. xSirad, bankebis prioriteti<br />

obieqturad ar aris mcire odenobis<br />

sesxebze orientireba, ara da mcire mewarmeobasa<br />

da soflis meurneobaSi, romelTa mdgomareobaze<br />

didwiladaa damokidebuli qveyanaSi<br />

umuSevrobis Semcireba da socialuri fonis<br />

gaumjobeseba, mcire moculobis kreditebi<br />

udides mniSvnelobas atarebs. `<strong>bunebrivi</strong>a, roca<br />

Cven vsaubrobT, rom mikrosafinanso organizaciebi<br />

mcire sesxebs gascemen, unda miviCnioT,<br />

rom isini mcire<br />

biznesze arian orientirebulni.samwuxarod,dResdReobiT<br />

<strong>saqarTveloSi</strong><br />

umuSevroba seriozuli<br />

problemaa.<br />

aRiarebulia, rom<br />

mcire biznesis ganviTareba uzrunvelyofs<br />

dasaqmebis zrdas. amitom, am seqtoris dafinanseba,<br />

rac mikrosafinanso organizaciebis saqmianobis<br />

mTavari mimarTulebaa, Zalian aqtualuria~,<br />

- miiCnevs gigita cuciriZe.<br />

ase rom, mikrosafinanso organizaciebi ara<br />

marto konkretuli biznesis ganviTarebis kuTxiT<br />

aris saintereso. am tipis organizaciebis saqmianoba<br />

mniSvnelovan socialur konteqstsac gulisxmobs.<br />

am kuTxiT, mniSvnelovania sazogadoebis in-<br />

formirebuloba, raTa moqalaqeebma TavianT saqmianobaSi<br />

swori mimarTulebebi da prioritetebi<br />

dasaxon. am aspeqtiT, Cvenma mediajgufma TiTqmis<br />

yvela seriozul mikrosafinanso organizaciasTan<br />

scada TanamSromloba. Tumca, Cvenda gasakvirad,<br />

mikrosafinanso organizaciebis garkveulma nawilma<br />

uari Tqva SesaZleblobaze, esaubra saku-<br />

Tari saqmianobis Sesaxeb. mosaxleobisTvis, potenciuri<br />

klientisTvis aexsna, Tu ra SeTavazebebi da<br />

upiratesobebi gaaCniaT. xalxs ar esmis mikrosafinanso<br />

organizaciebis mniSvneloba, maTi roli,<br />

xalxi ver erkveva fulis mkeTebelTa vinaobasa da<br />

raobaSi, rogoradac isini xSirad aRiqvamen mikrosafinanso<br />

organizaciebs. zogierTi maTganis<br />

arsebobis Sesaxeb, kerZod iseTis, rogoricaa mikrosafinanso<br />

organizacia `kredo~, mikrosesxebiT<br />

``Tavidanve ``Tavidanve ``Tavidanve Cveni Cveni mTavari mTavari mizani mizani mikro mikro da da mcire<br />

mcire<br />

biznesis biznesis ganviTarebis ganviTarebis xelSewyoba xelSewyoba iyo, iyo, vTvliT, vTvliT, vTvliT, rom rom<br />

rom<br />

amas amas kargad kargad gavarTviT gavarTviT gavarTviT Tavi, Tavi, radgan radgan CvenTan CvenTan erTad<br />

erTad<br />

bevri bevri biznesi biznesi ganviTarda`` ganviTarda`` - - Tamar Tamar razmaZe<br />

razmaZe<br />

dainteresebuli adamianebis umravlesoba informirebuli<br />

ar aris da verc reklamas gadaawydebiT<br />

sadme. gamonaklisi `konstanta~ da<br />

kidev ramdenime aseTi organizaciaa. es gasaidumloeba<br />

da iatakqveSeTSi moRvaweoba, <strong>bunebrivi</strong>a,<br />

bevr eWvs aRZravs. vnaxoT, ramdenad<br />

gaamarTlebs `kredos~ kredo, romelic JurnalistebTan<br />

daZabul urTierTobasa da sajaro<br />

informaciis dafarvas gulisxmobs.<br />

zura zura zura kukulaZe<br />

kukulaZe<br />

kukulaZe

#158<br />

ivnisi<br />

ivnisi<br />

sityvieri sityvieri sityvieri sityvieri sityvieri testi: testi: testi: testi: testi:<br />

1. 1. 1. 1. 1. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli aso: aso: aso: aso: aso:<br />

n n n n n p p p p p l l l l l n n n n n i i i i i l l l l l z z z z z ? ? ? ? ?<br />

2. 2. 2. 2. 2. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli sityva: sityva: sityva: sityva: sityva:<br />

fanduri fanduri fanduri fanduri fanduri (navi) (navi) (navi) (navi) (navi) verxvi verxvi verxvi verxvi verxvi<br />

matrica matrica matrica matrica matrica (. (. (. (. (. . . . . . . . . . . .) .) .) .) .) venaxi venaxi venaxi venaxi venaxi<br />

3. 3. 3. 3. 3. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli asoebi: asoebi: asoebi: asoebi: asoebi:<br />

4. 4. 4. 4. 4. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli aso: aso: aso: aso: aso:<br />

a a a a a d d d d d T T T T T n n n n n ? ? ? ? ?<br />

5. 5. 5. 5. 5. amoxseniT amoxseniT amoxseniT amoxseniT amoxseniT anagramebi anagramebi anagramebi anagramebi anagramebi da da da da da amoiReT amoiReT amoiReT amoiReT amoiReT<br />

zedmeti zedmeti zedmeti zedmeti zedmeti sityva: sityva: sityva: sityva: sityva:<br />

m m m m m S S S S S i i i i i o o o o o kk<br />

kk<br />

k<br />

s s s s s x x x x x i i i i i l l l l l a a a a a mm<br />

mm<br />

m<br />

a a a a a S S S S S i i i i i l l l l l vv<br />

vv<br />

v<br />

t t t t t a a a a a p p p p p n n n n n aa<br />

aa<br />

a<br />

6. 6. 6. 6. 6. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli asoebi: asoebi: asoebi: asoebi: asoebi:<br />

7. 7. 7. 7. 7. CasviT CasviT CasviT CasviT CasviT sityva sityva sityva sityva sityva romelic romelic romelic romelic romelic igives igives igives igives igives aRni- aRni- aRni- aRni- aRni-<br />

Snavs Snavs Snavs Snavs Snavs rasac rasac rasac rasac rasac frCxilebs frCxilebs frCxilebs frCxilebs frCxilebs gareT gareT gareT gareT gareT mdgomi mdgomi mdgomi mdgomi mdgomi<br />

sityvebi: sityvebi: sityvebi: sityvebi: sityvebi:<br />

mcenarismcenarismcenaris mcenaris mcenaris nawili nawili nawili nawili nawili (. (. (. (. (. . . . . . . . . . . . . . . . . . . . . . . . . . .) .) .) .) .) avadmyoavadmyoavadmyoavadmyoavadmyo- foba foba foba foba foba<br />

8. 8. 8. 8. 8. ipoveT ipoveT ipoveT ipoveT ipoveT saerTo saerTo saerTo saerTo saerTo dasawyisi dasawyisi dasawyisi dasawyisi dasawyisi CamoTv- CamoTv- CamoTv- CamoTv- CamoTvlili<br />

lili lili lili lili sityvebisaTvis:<br />

sityvebisaTvis:<br />

sityvebisaTvis:<br />

sityvebisaTvis:<br />

sityvebisaTvis:<br />

sur: sur: sur: sur: sur: 77<br />

77<br />

7<br />

9. 9. 9. 9. 9. amoxseniT amoxseniT amoxseniT amoxseniT amoxseniT anagramebi anagramebi anagramebi anagramebi anagramebi da da da da da amoiReT amoiReT amoiReT amoiReT amoiReT<br />

zedmeti zedmeti zedmeti zedmeti zedmeti sityva: sityva: sityva: sityva: sityva:<br />

o o o o o f f f f f k k k k k n n n n n l l l l l i i i i i r r r r r ee<br />

ee<br />

e<br />

t t t t t s s s s s o o o o o t t t t t i i i i i o o o o o ll<br />

ll<br />

l<br />

m m m m m e e e e e n n n n n u u u u u t t t t t i i i i i ii<br />

ii<br />

i<br />

i i i i i t t t t t e e e e e s s s s s k k k k k n n n n n i i i i i b b b b b ee<br />

ee<br />

e<br />

10. 10. 10. 10. 10. ipoveT ipoveT ipoveT ipoveT ipoveT saerTo saerTo saerTo saerTo saerTo dasawyisi dasawyisi dasawyisi dasawyisi dasawyisi CamoTv- CamoTv- CamoTv- CamoTv- CamoTvlili<br />

lili lili lili lili sityvebisaTvis:<br />

sityvebisaTvis:<br />

sityvebisaTvis:<br />

sityvebisaTvis:<br />

sityvebisaTvis:<br />

sur: sur: sur: sur: sur: 88<br />

88<br />

8<br />

Seamowme Seni<br />

inteleqti<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

testebitestebi gaTvaliswinebulia gaTvaliswinebulia 18-dan 18-dan 50-60 50-60 wlamde wlamde asakis asakis asakis adamianebisTvis, adamianebisTvis, romelTromelTromelTacacac gavlili gavlili gavlili aqvT aqvT saSualo saSualo skolis skolis kursi. kursi. testebi testebi gamoad<strong>ge</strong>ba gamoad<strong>ge</strong>ba samuSaos samuSaos maZiemaZie-<br />

blebs, blebs, romelTac romelTac bankebSi bankebSi bankebSi an an sxva sxva organizaciebSi organizaciebSi uwevT uwevT testirebis testirebis gavla. gavla.<br />

gavla.<br />

ricxviTi ricxviTi ricxviTi ricxviTi ricxviTi testi: testi: testi: testi: testi:<br />

1. 1. 1. 1. 1. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

42 42 42 42 42 (44) (44) (44) (44) (44) 38 38 38 38 38<br />

23 23 23 23 23 ( ( ( ( ( ?) ?) ?) ?) ?) 28 28 28 28 28<br />

2. 2. 2. 2. 2. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

651 651 651 651 651 (331) (331) (331) (331) (331) 342 342 342 342 342<br />

449 449 449 449 449 ( ( ( ( ( ?) ?) ?) ?) ?) 523 523 523 523 523<br />

3. 3. 3. 3. 3. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

4. 4. 4. 4. 4. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

98 98 98 98 98 (54) (54) (54) (54) (54) 64 64 64 64 64<br />

81 81 81 81 81 ( ( ( ( ( ) ) ) ) ) 36 36 36 36 36<br />

5. 5. 5. 5. 5. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

16 16 16 16 16 (96) (96) (96) (96) (96) 12 12 12 12 12<br />

10 10 10 10 10 ( ( ( ( ( ) ) ) ) ) 15 15 15 15 15<br />

6. 6. 6. 6. 6. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

2 2 2 2 2 5 5 5 5 5 26 26 26 26 26 ? ? ? ? ?<br />

7. 7. 7. 7. 7. gansazRvreT gansazRvreT gansazRvreT gansazRvreT gansazRvreT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

sur: sur: sur: sur: sur: 11<br />

111<br />

8. 8. 8. 8. 8. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

sur: sur: sur: sur: sur: 22<br />

22<br />

2<br />

9. 9. 9. 9. 9. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

2 2 2 2 2 10 10 10 10 10 44<br />

44<br />

4<br />

3 3 3 3 3 17 17 17 17 17 55<br />

55<br />

5<br />

3 3 3 3 3 ? ? ? ? ? 44<br />

44<br />

4<br />

10. 10. 10. 10. 10. CasviT CasviT CasviT CasviT CasviT gamotovebuli gamotovebuli gamotovebuli gamotovebuli gamotovebuli ricxvi: ricxvi: ricxvi: ricxvi: ricxvi:<br />

internet biznesi<br />

pasuxebi pasuxebi pasuxebi pasuxebi pasuxebi ixileT ixileT ixileT ixileT ixileT gv.19 gv.19 gv.19 gv.19 gv.19<br />

`internet reklama<br />

13<br />

yvelaze swrafi da iafia~<br />

Tanamedrove cxovreba internetis gareSe<br />

qeTi<br />

qeTi<br />

warmoud<strong>ge</strong>nelia, radgan dRes mTavari produ-<br />

naWyebia<br />

naWyebia<br />

qti swrafi informacia da komunikaciebia.<br />

garda imisa, rom interneti amouwuravi informaciis<br />

gacvlisTvis gamoiyeneba da sxva<br />

mravali funqcia gaaCnia, igi biznesis sawarmoeblad<br />

axal SesaZleblobebs qmnis, radgan<br />

bevri bizneskompania sakuTari biznesis gafar-<br />

Toebas internetis saSualebiT cdilobs. sakuTari<br />

produqciis realizaciisTvis kompaniebi<br />

Tu firmebi kolosalur Tanxebs reklamaze<br />

xarjaven. internetma aqac mniSvnelovani funqcia<br />

SeiZina da dResdReobiT yvelaze iaf reklamad<br />

internet-reklamaa aRiarebuli.<br />

dRes ukve internet sivrceSi uamravi sainformacio,<br />

SemecnebiTi, religiuri da sxva saxis<br />

qarTuli saiti arsebobs, magram yvelaze popularuli<br />

mainc gasarTobi, e.w. varez saitebia, ala, bazarze iseTi internet portalebi Se-<br />

saidanac filmebis, musikaluri klipebis da a.S. movida, romlebic informaciis farTo wyaroa.<br />

gadmowera momxmarebels ufasod SeuZlia. ase- - - - ramdenad ramdenad aris aris popularuli popularuli popularuli biznesme- biznesme- biznesme-<br />

Ti saitebi momxmarebelTa farTo masebzea gaTvnebsanebsa da da saqmian saqmian saqmian adamianebSi adamianebSi internet-reklainternet-reklalili<br />

da yvelaze Semosavliania. ramdenad aris mismis kultura, kultura, anu anu ramdenad ramdenad arian arian isini isini daindain-<br />

ganviTarebuli <strong>saqarTveloSi</strong> internet-bizne- teresebulni teresebulni internetSi<br />

internetSi<br />

si da rogor viSovoT fuli internetiT, am reklamisreklamisganaTaganaTa- sakiTxebze `kavkasus onlainis~ reklamis menevsevsejeri qeTi naWyebia gvesaubreba.<br />

- - ramdenad ramdenad aris aris ganviTare- ganviTareganviTarebulibuliinternet-biinternet-bi- znesi znesi znesi <strong>saqarTveloSi</strong>?<br />

<strong>saqarTveloSi</strong>?<br />

biT?<br />

biT?<br />

- internet reklama<br />

mxolod erTi welia,<br />

rac <strong>saqarTveloSi</strong> fexs<br />

ikidebs. interesic TandaTanobiT<br />

Cndeba, Tumca satelevizio da<br />

gare reklamiT daintereseba bevrad<br />

didia.<br />

- - - rogori rogori tarifebia tarifebia internet-rek-<br />

internet-rekinternet-reklamebzelamebze<br />

da da ramdenad ramdenad efeqturia efeqturia efeqturia aseTi aseTi aseTi rekrek-<br />

- SeuZlebelia dRes biznesi internetis lama?<br />

lama?<br />

gareSe akeTo, bolo xans es sfero saqa- - es damokidebulia saitis reitingze da<br />

rTveloSic sakmaod ganviTarda. Tuki adre bi- sabanero sivrcis farTobze. saerTod, interznesis<br />

warmoeba mxolod pirad kontaqtebze net reklama yvelaze swrafi da iafia.<br />

iyo dafuZnebuli, dRes amis saWiroeba aRar - internet-biznesisinternet-biznesisinternet-biznesis internet-biznesis internet-biznesis ra ra ra ra ra saxeobebi saxeobebi saxeobebi saxeobebi saxeobebi arsearsearsearsearse- aris. internetis daxmarebiT biznesmens Seu- bobs, bobs, bobs, bobs, bobs, rogor rogor rogor rogor rogor SeiZleba SeiZleba SeiZleba SeiZleba SeiZleba internetiT internetiT internetiT internetiT internetiT viSovoT viSovoT viSovoT viSovoT viSovoT<br />

Zlia partniorTan kontaqtze pirdapir gavides. fuli? fuli? fuli? fuli? fuli?<br />

XXI saukuneSi interneti biznesisTvis saukeTeso - saerTod, am sferos ganviTareba bazris<br />

gzaa, radgan dro fuli Rirs.<br />

moTxovnazea damokidebuli. kargi saitis Seqm-<br />

- rarara ra ra kategoriis kategoriis kategoriis kategoriis kategoriis saitebia saitebia saitebia saitebia saitebia dRes dRes dRes dRes dRes moTxovnamoTxovnamoTxovnamoTxovnamoTxovnana sakmaod Zviri siamovnebaa. imisaTvis, rom<br />

di di di di di <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> da da da da da ra ra ra ra ra ganapirobebs ganapirobebs ganapirobebs ganapirobebs ganapirobebs saitis saitis saitis saitis saitis saiti moTxovnadi iyos, mxolod teqnikuri mx-<br />

popularobas?<br />

popularobas?<br />

popularobas?<br />

popularobas?<br />

popularobas?<br />

are ki ar unda iyos Zlieri, aramed momx-<br />

- ramdenime wlis win, moTxovna mxolod marebels siaxle unda SesTavazo. mxolod am<br />

varez saitebze iyo, saidanac momxmarebels pi- SemTxvevaSi SeuZlia saitis mflobels sarekratuli<br />

produqcia ufasod SeeZlo gadmoewlamo sivrcis gayidvis imedi hqondes.<br />

era, Tumca dRes situacia sagrZnoblad Seicv-<br />

nata nata maruqaSvili<br />

maruqaSvili<br />

ekonomikuri ganviTarebis saministro<br />

Tbilisidan Telavamde umoklesi saavtomobilo<br />

gzis mSeneblobis proeqts moamzadebs<br />

mTavrobis gankargulebiT,<br />

ekonomikuri ganviTarebis saministro<br />

Tbilisidan Telavamde<br />

umoklesi saavtomobilo gzis<br />

teqnikur-ekonomikur dasabuTebasa<br />

da agreTve gzis mSenebelobis<br />

detalur proeqts<br />

moamzadebs.<br />

rogorc gankargulebaSia<br />

aRniSnuli, saqarTvelos saavtomobilo<br />

gzebis departamentma<br />

SesaZleblad mokle droSi unda<br />

uzrunvelyos vaziani-gombori-<br />

Telavis saavtomobilo gzis<br />

mSeneblobis detaluri proeqtis damuSaveba da amavdroulad, saqarTvelos ekonomikuri ganvi-<br />

Tarebis saministrosTan erTad udna SearCios optimaluri mimarTuleba da mis safuZvelze<br />

ganaxorcielos mSenebloba.<br />

amasTanave, saavtomobilo gzis im monakveTebs, romlebic mdgomareobidan gamomdinare ar<br />

saWiroeben samSeneblo samuSaoebs, mxolod reabilitacia-SekeTeba Cautardeba.

#158<br />

ivnisi<br />

ivnisi<br />

ss ss saqarTvelos saqarTvelos banki banki da da da Svilobilebi<br />

Svilobilebi<br />

konsolidirebuli konsolidirebuli finansuri finansuri finansuri angariS<strong>ge</strong>ba<br />

angariS<strong>ge</strong>ba<br />

2007 wlis 31 dekembris mdgomareobiT<br />

banki<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

sruli sruli dokumenti, dokumenti, damoukidebeli damoukidebeli auditorebis auditorebis daskvniT daskvniT da da TandarTuli TandarTuli SeniSvnebiT, SeniSvnebiT, romlebic romlebic warmoad<strong>ge</strong>nen warmoad<strong>ge</strong>nen winamdebare winamdebare finansuri<br />

finansuri<br />

angar angariS<strong>ge</strong>bis angar angariS<strong>ge</strong>bis<br />

iS<strong>ge</strong>bis ganuyofel ganuyofel nawils, nawils, ixileT ixileT ss ss ss “saqarTvelos “saqarTvelos bankis” bankis” bankis” veb veb veb gverdze gverdze www.bog.<strong>ge</strong>/ir<br />

14

#158<br />

ivnisi<br />

ivnisi<br />

biznesliteratura<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

15

#158<br />

ivnisi<br />

ivnisi<br />

momxmarebelze<br />

orientirebuli marketingi<br />

yovelTvis warmatebulia<br />

marketingi inglisuri sityvaa da<br />

pirdapiri mniSvnelobiT bazars niSnavs.<br />

misi ZiriTadi funqciaa awarmoos<br />

is, rac iyideba, rac momx-<br />

marebels surs da risi moTxovnilebac<br />

arsebobs. amisTvis aucilebelia<br />

momxareblis moTxovnilebebis Seswavla<br />

da gaTvaliswineba, mxolod amis<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

maslous<br />

moTxovnilebaTa<br />

piramida<br />

Semdeg SeZlebs is efeqturad<br />

muSaobas. waramtebuli marketinguli<br />

strategiebi swored momxmareblis<br />

moTxovnilebebzea orientirebuli.<br />

amisTvis marketingul samuSaoebSi<br />

iyeneben abraham maslous moTxovnilebaTa<br />

sqemas - piramidas.<br />

abraham maslous moTTxovnileba-<br />

Ta piramidisa da am sqemis mixedviT<br />

adamianTa fsiqologiis gansazRvris<br />

Sesaxeb ‘`bankebi da finansebs~ fsiqologiuri<br />

konsultaciebisa da<br />

trenin<strong>ge</strong>bis centris xelmZRvaneli<br />

nana nana CaCua CaCua esaubra.<br />

`moTxovnilebebis Sesaxeb uamravi<br />

Teoria, mosazreba da klasifikacia<br />

arsebobs. erT-erTi maTgani abraham<br />

maslous moTxovnilebaTa klasifikaciaa,<br />

romelic man aago piramidis<br />

pirncipiT. fundamnetur, sawyis moTxovnilebad<br />

masloum warmogvidgina<br />

fiziologiuri anu pirveladi moTx-<br />

ovnilebebi, romelic fiziologiuri<br />

balansis dacvas uzrunvelyofs. am<br />

moTxovnilebebSi Sedis: sakvebi, wyali,<br />

temperatura, tenianoba da a. S.<br />

es is moTxovnilebaTa rigia, romel-<br />

Ta dakmayofilebis Semdgom iwyeba<br />

moyirWeba. maSin, roca zeda rigis<br />

moTxovnilebebs aseTi ram ar axasiaTebT.<br />

aq dakmayofileba xdeba raRac<br />

momentSi, Semdeg isev moyirWeba da<br />

ase usasrulod grZeldeba. maslous<br />

moTxovnilebaTa ieraqiaSi Zalian<br />

sayuradRebo da mniSvnelovania is,<br />

rom Tu pirveli safexuri ar dakmayofildeba,<br />

ar gaCndeba meore safexuris<br />

moTxovnilebebi, meore safexuri<br />

Tu ar iqneba dakmayofilebli,<br />

ar gaCndeba mesame safexuris moTxovnilebebi<br />

da a.S. yvela moTxovnileba<br />

erTamneTze a<strong>ge</strong>buli da erTmaneTidan<br />

gamomdinareobs. erTis dakmayofileba<br />

iwvevs Semdegis aqtualurobas.<br />

meore moTxovnileba es aris usafr-<br />

Txoebis moTxovnileba. sainteresoa,<br />

rom Tavad maslou pirdapir fizikur<br />

usafrToxebaze miuTiTebs, rom adamians<br />

unda daculad igrZnos Tavi. usafrTxoebas<br />

SesaZlebelia mivceT kanonis<br />

uzenaesobis mniSvnelobac. Semdegi<br />

rigis moTxovnileba mikuTvnebulobis<br />

moTxovnilebaa, mikuTvnebuloba<br />

eris, eTnosis, saxelmwifos,<br />

istoriuli Zeglebi TavianT<br />

16<br />

aqtualuria, rodesac dakmayofilebuli<br />

iqneba jer fiziologiuri da<br />

Semdeg usafrTxoebis moTxovnileba.<br />

rodesac socilogiuri, ekonomikuri<br />

problemebi mogvarebulia da Tavs<br />

usafrTxod grZnob, swored amis Semdeg<br />

Cndeba mikuTvnebulobis moTxovnileba.<br />

sadac ekonomikuri mxare daukmayofilebelia<br />

da ar aris kanonis<br />

uzenaesoba, samSoblos gancdac ikar<strong>ge</strong>ba.<br />

mikuTvnebuloba niSnavs, rom me<br />

miyvarde da me vuyvarde, mivekuTvnebode<br />

raime jgufs. Semdegi safexuris<br />

moTxovnileba Cndeba maSin, roca<br />

es yvelferi dakmayoilebulia, maSin<br />

giCndeba TviTaqtualizaciis moTxovnileba.<br />

mxolod maSin giCndeba moTxovnileba,<br />

rom Seni Tavi gamoxato Seni<br />

saqmiT da moRvaweobiT. imitom, rom<br />

amis (Tavis gamoxatvis) fsiqologiuri<br />

safuZveli ukve gamaCnia.<br />

mexuTe safexuri aris ukve TviTrealizacia.<br />

es niSnavs imas, rom cxovreba<br />

aris is, rac Sen Seqmeni. am<br />

safexurze Sen <strong>ge</strong>Zleva cxovreba. magram<br />

rom Seqmna, jer es moTxovnilebebi<br />

unda iyos dakmayofilebuli.<br />

amitom gvinda saxelmwifo, parlamenti,<br />

meoTxe xelsifleba, radgan es<br />

institutebi axdenen yvelafris organizebas.~.<br />

eka eka ebanoiZe<br />

ebanoiZe<br />

funqciasa da mniSvnelobas ibruneben<br />

kulturis, ZeglTa dacvisa da<br />

sportis saministros partniori<br />

konkretuli proeqtebis ganxorcielebisas,<br />

`istoriul ZeglTa dacvisa<br />

da gadarCenis fondia~. kulturuli<br />

memkvidreobis reabilitaciisTvis mTel<br />

sezonze gawerilia etapebi, Tu rogor<br />

moxdes Zeglebis aRd<strong>ge</strong>na, amisTvis ki<br />

saministros konkretuli <strong>ge</strong>gma da<br />

meqanizmi aqvs. saministros monitoringis<br />

samsaxuri mTeli wlis ganmavlobaSi<br />

muSaobs. xdeba im Zeglebis<br />

gansazRvra, romlebic yvelaze sagan<strong>ge</strong>bo<br />

da rTul mdgomareobaSia. Semdeg<br />

ki tardeba tenderi. yvelaze mniSvnelovani<br />

procesia SearCio profesionalTa<br />

jgufi, romelic Zegls ki<br />

ar daazianebs, rogorc es gasul wleb-<br />

Si xdeboda, araswori meTodologiiT,<br />

aramed saministro Tavis gundTan<br />

erTad, saerTaSoriso eqspertebze<br />

dayrdnobiT gansazRvravs ra masaliT<br />

da rogor aRd<strong>ge</strong>s esa Tu is Zegli.<br />

saxelmwifosTvis mniSvnelovania, rom<br />

es Zeglebi aRd<strong>ge</strong>s xarisxianad da<br />

tradiciuli meTodiT.<br />

rogorc iuneskos eqspertebi acxadeben,<br />

maT werilebze dayrdnobiT<br />

Tamamad SeiZleba iTqvas, rom am Zeglebis<br />

sicocxlisunarianoba kidev<br />

ufro gaxangrZlivebulia sworad<br />

warmarTuli samuSaoebis wyalobiT.<br />

- - aris aris iseTi iseTi Zeglebic, Zeglebic, romlebic<br />

romlebic<br />

miuvalmiuval adgilebSia adgilebSia da da maTTan maTTan misasmisas-<br />

vleli vleli gza gza gza faqtiurad faqtiurad ar ar arsebobs,<br />

arsebobs,<br />

rogor rogor Catarda Catarda iq iq samuSaoebi?<br />

samuSaoebi?<br />

- aseT Zeglebze samuSaoebi Catarda<br />

ara teqnikis saSualebiT, aramed<br />

ise, rogorc xdeboda maTi mSenebloba<br />

Zvel droSi, msxvilfexa cxovelebis<br />

daxmarebiT, kramitebis gadazidviT da<br />

sxv. magaliTad, TmogvSi wminda mari-<br />

piramida<br />

unikaluri<br />

unikaluri<br />

qarTuli<br />

qarTuli<br />

Zeglebis Zeglebis aRd<strong>ge</strong>na<br />

aRd<strong>ge</strong>na<br />

2008 2008 welsac<br />

welsac<br />

grZeldeba<br />

grZeldeba<br />

uZvelesi uZvelesi uZvelesi uZvelesi uZvelesi qarTuli qarTuli qarTuli qarTuli qarTuli kulturuli kulturuli kulturuli kulturuli kulturuli memkvidreoba, memkvidreoba, memkvidreoba, memkvidreoba, memkvidreoba, romelic romelic romelic romelic romelic Cveni Cveni Cveni Cveni Cveni qveynis qveynis qveynis qveynis qveynis saamayo saamayo saamayo saamayo saamayo saganZuria, saganZuria, saganZuria, saganZuria, saganZuria, saukuneebia saukuneebia saukuneebia saukuneebia saukuneebia iwvevs iwvevs iwvevs iwvevs iwvevs<br />

aRfrTovanebasaaRfrTovanebasaaRfrTovanebasa aRfrTovanebasa aRfrTovanebasa da da da da da pativiscemas pativiscemas pativiscemas pativiscemas pativiscemas rogorc rogorc rogorc rogorc rogorc CvenSi, CvenSi, CvenSi, CvenSi, CvenSi, aseve aseve aseve aseve aseve ucxoel ucxoel ucxoel ucxoel ucxoel specialistebsa specialistebsa specialistebsa specialistebsa specialistebsa da da da da da stumrebSi. stumrebSi. stumrebSi. stumrebSi. stumrebSi. da da da da da gadaWarbegadaWarbegadaWarbegadaWarbegadaWarbe- buli buli buli buli buli ar ar ar ar ar iqneba, iqneba, iqneba, iqneba, iqneba, Tu Tu Tu Tu Tu aRvniSnav, aRvniSnav, aRvniSnav, aRvniSnav, aRvniSnav, rom rom rom rom rom bevri bevri bevri bevri bevri <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> <strong>saqarTveloSi</strong> swored swored swored swored swored Cveni Cveni Cveni Cveni Cveni unikaluri unikaluri unikaluri unikaluri unikaluri kulturuli kulturuli kulturuli kulturuli kulturuli memkvidreobis<br />

memkvidreobis<br />

memkvidreobis<br />

memkvidreobis<br />

memkvidreobis<br />

sanaxavad sanaxavad sanaxavad sanaxavad sanaxavad da da da da da gasacnobad gasacnobad gasacnobad gasacnobad gasacnobad Camodis. Camodis. Camodis. Camodis. Camodis. arc arc arc arc arc is is is is is iqneba iqneba iqneba iqneba iqneba gadaWarbebuli, gadaWarbebuli, gadaWarbebuli, gadaWarbebuli, gadaWarbebuli, Tu Tu Tu Tu Tu vityvi, vityvi, vityvi, vityvi, vityvi, rom rom rom rom rom Cveni Cveni Cveni Cveni Cveni Zeglebis Zeglebis Zeglebis Zeglebis Zeglebis udidesi udidesi udidesi udidesi udidesi<br />

nawili nawili nawili nawili nawili seriozul seriozul seriozul seriozul seriozul mixedvasa mixedvasa mixedvasa mixedvasa mixedvasa da da da da da movlas movlas movlas movlas movlas saWiroebs, saWiroebs, saWiroebs, saWiroebs, saWiroebs, Tumca, Tumca, Tumca, Tumca, Tumca, bolo bolo bolo bolo bolo dros dros dros dros dros kulturuli kulturuli kulturuli kulturuli kulturuli da da da da da istoriuli istoriuli istoriuli istoriuli istoriuli Zeglebis Zeglebis Zeglebis Zeglebis Zeglebis<br />

mimarT mimarT mimarT mimarT mimarT yuradReba yuradReba yuradReba yuradReba yuradReba aSkarad aSkarad aSkarad aSkarad aSkarad sagrZnobi sagrZnobi sagrZnobi sagrZnobi sagrZnobi da da da da da TvalSisacemia. TvalSisacemia. TvalSisacemia. TvalSisacemia. TvalSisacemia. uamrav uamrav uamrav uamrav uamrav eklesia-monastersa eklesia-monastersa eklesia-monastersa eklesia-monastersa eklesia-monastersa da da da da da Zegls Zegls Zegls Zegls Zegls Cautarda Cautarda Cautarda Cautarda Cautarda<br />

seriozuli seriozuli seriozuli seriozuli seriozuli restavracia restavracia restavracia restavracia restavracia da da da da da remonti. remonti. remonti. remonti. remonti. ukanaskneli ukanaskneli ukanaskneli ukanaskneli ukanaskneli oTxi oTxi oTxi oTxi oTxi wlis wlis wlis wlis wlis manZilze manZilze manZilze manZilze manZilze 300-ze 300-ze 300-ze 300-ze 300-ze meti meti meti meti meti Zeglia Zeglia Zeglia Zeglia Zeglia restavrirebuli.<br />

restavrirebuli.<br />

restavrirebuli.<br />

restavrirebuli.<br />

restavrirebuli.<br />

am am am am am mimarTulebiT mimarTulebiT mimarTulebiT mimarTulebiT mimarTulebiT muSaobas muSaobas muSaobas muSaobas muSaobas kulturis, kulturis, kulturis, kulturis, kulturis, ZeglTa ZeglTa ZeglTa ZeglTa ZeglTa dacvisa dacvisa dacvisa dacvisa dacvisa da da da da da sportis sportis sportis sportis sportis saministro saministro saministro saministro saministro dResac dResac dResac dResac dResac aqtiurad aqtiurad aqtiurad aqtiurad aqtiurad agrZelebs. agrZelebs. agrZelebs. agrZelebs. agrZelebs.<br />

kulturis, kulturis, kulturis, kulturis, kulturis, ZeglTa ZeglTa ZeglTa ZeglTa ZeglTa dacvisa dacvisa dacvisa dacvisa dacvisa da da da da da sportis sportis sportis sportis sportis saministros saministros saministros saministros saministros pressamsaxuris pressamsaxuris pressamsaxuris pressamsaxuris pressamsaxuris ufrosi ufrosi ufrosi ufrosi ufrosi naTia naTia naTia naTia naTia muraCaSvili.<br />

muraCaSvili.<br />

muraCaSvili.<br />

muraCaSvili.<br />

muraCaSvili.<br />

nas eklesiaze Catarebuli samuSaoebisas<br />

sagan<strong>ge</strong>bo trosi gaiWima mTaze,<br />

Sor manZilze masalis gadasazidad.<br />

infrastruqturis mowesri<strong>ge</strong>ba dResac<br />

problemad rCeba, arada mnaxvelis<br />

mosazidad misi mowesri<strong>ge</strong>baa saWiro.<br />

- - gaqvT gaqvT Tu Tu Tu ara ara informacia informacia imis<br />

imis<br />

Sesaxeb, Sesaxeb, Sesaxeb, ramdenad ramdenad xSirad xSirad dadian dadian tur- tur- tur- tur-<br />

istebi istebi istebi am am am Zeglebis Zeglebis mosanaxuleblad?<br />

mosanaxuleblad?<br />

- rac Seexeba turistebis sakiTxs,<br />

rogorc vici, qveyanaSi Zalian<br />

gazrdilia maTi ricxvi, gaizarda<br />

interesi kulturuli memkvidreobis<br />

Zeglebze. aris SemTxvevebi, roca esa<br />

Tu is turistuli kompania an kerZo<br />

jgufi interesdeba ama Tu im regionSi<br />

kompleqsurad moinaxulos<br />

ramdenime Zegli. es Zalian saamayoa.<br />

mniSvnelovani is faqti, rom kulturis<br />

saministros iniciativiTa da<br />

mondomebiT aRdga mitovebuli ek-<br />

lesiebi. magaliTad, bolnisSi, RvTism-<br />

Soblis miZinebis eklesia (VI saukunis)<br />

erT-erTi im ZeglTagania, romelic<br />

miudgomeli iyo, aq wlebis ganmavlobaSi<br />

ar mimdinareobda locvakurTxeva<br />

da aseTi mitovebuli Zegli<br />

aramxolod gajansaRda, aramed man<br />

Tavisi funqciac daibruna da mravali<br />

saukunis Semdeg iq pirvelad aRev-<br />

lina RvTismsaxureba.<br />

amgavri proeqtebiT unikaluri<br />

Zeglebi TavianT realur daniSnulebas<br />

ibruneben. dResdReobiT, saqarTvelos<br />

sxvadasxva raionSi ramdenime<br />

aTeuli Zeglis aRd<strong>ge</strong>na-reabilitacia<br />

mimdinareobs. samuSaoebi wlis<br />

bolomde dasruldeba.<br />

TamTa TamTa dadeSeli<br />

dadeSeli<br />

sityvieri sityvieri testis testis pasuxebi:<br />

pasuxebi:<br />

1. 1. e e (mori<strong>ge</strong>obiT (mori<strong>ge</strong>obiT gadaadgildiT gadaadgildiT oris oris asoTi asoTi win win da da oTxiT oTxiT - - ukan).<br />

ukan).<br />

2. 2. taxi taxi (gamotovebuli (gamotovebuli ricxvis ricxvis pirveli pirveli da da meore meore asoebi asoebi aris aris pirve- pirvepirve- li li sityvis sityvis mesame mesame da da meore meore meore asoebi asoebi Sesabamisad, Sesabamisad, xolo xolo gamotovebuli<br />

gamotovebuli<br />

sityvis sityvis mesame mesame mesame da da meoTxe meoTxe aris aris meore meore sityvis sityvis mexuTe mexuTe mexuTe da da meeqvse meeqvse asoebi<br />

asoebi<br />

Sesabamisad).<br />

Sesabamisad).<br />

3. 3. 3. e, e, m, m, i i i (`dedamiwa~ (`dedamiwa~ - - ikiTxeba ikiTxeba saaTis saaTis isris isris sawinaaRmdego sawinaaRmdego mima- mimamimarTulebiT). rTulebiT).<br />

rTulebiT).<br />

4. 4. t t (asoebi (asoebi dala<strong>ge</strong>bulia dala<strong>ge</strong>bulia dala<strong>ge</strong>bulia anbanis anbanis rigiT rigiT 2, 2, 3, 3, 4 4 da da 5 5 asos asos gamo- gamogamo- tovebiT).<br />

tovebiT).<br />

5. 5. 5. panta panta (esaa (esaa veluri veluri xili, xili, xili, yvela yvela sxva sxva sityva sityva - - komSi, komSi, komSi, msxali, msxali, vaSli<br />

vaSli<br />

- - baRis baRis xils xils aRniSnavs). aRniSnavs).<br />

aRniSnavs).<br />

6. e, t, t t (`deputati~ - ikiTxeba saaTis saaTis isris mimarTulebiT).<br />

7. 7. 7. yvavili yvavili<br />

yvavili<br />

8. 8. 8. xi<br />

xi<br />

9. 9. 9. tolstoi tolstoi tolstoi (yvela (yvela (yvela sxva sxva sityva sityva - - folkneri, folkneri, steinbeki, steinbeki, uitmeni uitmeni -<br />

-<br />

amerikeli amerikeli mwerlebis mwerlebis mwerlebis gvarebia). gvarebia).<br />

gvarebia).<br />

10. 10. qu qu<br />

qu<br />

la<strong>ge</strong>buliala<strong>ge</strong>bulia mori<strong>ge</strong>obiT mori<strong>ge</strong>obiT - - - erTi erTi erTi wiladis wiladis wiladis mricxvelSi, mricxvelSi, mricxvelSi, Semdegis Semdegis mniSvnel- mniSvnel- mniSvnel-<br />

Si Si da da a.S. a.S.<br />

a.S.<br />

9. 9. 14 14 (Sua (Sua svetis svetis svetis ricxvebis ricxvebis misaRebad misaRebad ganapira ganapira svetis svetis ricxvebi ricxvebi unda<br />

unda<br />

gadavamravloT gadavamravloT gadavamravloT da da mivumatoT mivumatoT 2)<br />

2)<br />

10. 10. 6 6 (gvaqvs (gvaqvs ricxvTa ricxvTa ori ori urTierTmonacvle urTierTmonacvle rigi. rigi. rive rive rigi<br />

rigi<br />

warmoad<strong>ge</strong>ns warmoad<strong>ge</strong>ns ricxvebis ricxvebis kvadrats kvadrats plus plus 2)<br />

2)<br />

8. 8. mocemuliamocemulia ricxvTa ricxvTa ori ori klebadi klebadi klebadi rigi; rigi; orive orive maTgani maTgani maTgani gangan-<br />

4. 4. 39 39 (frCxilebSi (frCxilebSi (frCxilebSi Casmuli Casmuli ricxvis ricxvis misaRebad misaRebad unda unda Seikribos Seikribos frCx- frCxfrCx- ilebs ilebs gareT gareT mdgomi mdgomi ricxvebi ricxvebi da da jami jami gaiyos gaiyos 3-ze)<br />

3-ze)<br />

5. 5. 75 75 (marjvniv (marjvniv da da marcxniv marcxniv mdgomi mdgomi mdgomi ricxvebis ricxvebis namravli namravli gavyoT gavyoT<br />

gavyoT<br />

orze)<br />

orze)<br />

6. 6. 6. 677 677 (yoveli (yoveli Semdegi Semdegi ricxvis ricxvis misaRebad misaRebad wina wina wina ricxvi ricxvi unda unda aviyvan- aviyvan- aviyvan- aviyvan- aviyvan-<br />

oT oT kvadratSi kvadratSi da da mivumatoT mivumatoT 1)<br />

1)<br />

7. 7. 18 18 (kudze (kudze warwerili warwerili ricxvi ricxvi aris aris frTebze frTebze warwerili warwerili ricxvebis ricxvebis<br />

ricxvebis<br />

gasamkecebuli gasamkecebuli gasamkecebuli sxvaoba)<br />

sxvaoba)<br />

ricxviTi ricxviTi testis testis testis pasuxebi:<br />

pasuxebi:<br />

1. 1. 55 55 (frCxilebs (frCxilebs gareT gareT mdgomi mdgomi ricxvebis ricxvebis sxvaoba sxvaoba sxvaoba unda unda gamravldes<br />

gamravldes<br />

11-ze)<br />

11-ze)<br />

2. 2. 324 324 (frCxilebs (frCxilebs (frCxilebs gareT gareT mdgomi mdgomi ricxvebis ricxvebis jami jami gayofilia gayofilia samze)<br />

samze)<br />

3. 3. 3. 179 179 179 (Tu (Tu vimoZravebT vimoZravebT saaTis saaTis saaTis isris isris isris mimarTulebiT, mimarTulebiT, yoveli yoveli Semdgo- Semdgo- Semdgo- Semdgo-<br />

mi mi ricxvi ricxvi toli toli iqneba iqneba gaorkecebul gaorkecebul gaorkecebul wina wina ricxvs ricxvs plus plus 1, 1, 3, 3, 5, 5, 5, 7, 7, 9).<br />

9).

#158<br />

ivnisi<br />

ivnisi<br />

erisioni<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

yovladwmida RvTismSoblisa da yrma iesos ramalis motirali xati<br />

17<br />

ramalis olqi ierusalimis CrdiloeTiT, palestinaSi mdebareobs. feriscvalebis taZari, romelSic yovladwmida<br />

RvTismSoblis saswaulTmoqmedi xati imyofeba, daaxl. 150 wlis win aigo. xati 1992 wels dawera adgilobrivma<br />

xatmwerma gabriel <strong>ge</strong>ilmantianma.<br />

1998 wlis 17 ivnisis dilas mama nikola akali sanTlebis dasanTebad taZarSi Sevida. moulodnelad xatis CarCodan<br />

SuSa Camovarda da Zirs daeca. SeSinebulma mRvdelma amis Sesaxeb arqimandrit meletios basals acnoba. Tavidan maT<br />

ifiqres, rom SuSa fanjridan SemoxeTqilma qarma Camoagdo, magram xatis gverdiT Cveulebriv enTo kandeli, ase rom,<br />

es qaris brali ar unda yofiliyo.<br />

mRvdlebi SeSindnen da taZari datoves. xuTi-eqvsi saaTis Semdeg ki taZarSi adgilobrivi mrevlis moZRvari - mama<br />

jeries marzuka dabrunda. mama jeriesma iatakze dagdebuli SuSis wmenda daiwyo, magram uceb xeli gaeWra da sisxli<br />

daedina. mis yvirilze mama meletiosma moirbina da moZRvris dasisxlianebuli xeli dainaxa. igi bambisa da spirtis<br />

mosatanad monasterSi gaiqca, magram roca dabrunda, mama jeriesis Wriloba Sexorcebuli daxvda da aRarc sisxlis<br />

kvali Canda sadme. mamebma xati yuradRebiT daaTvalieres da mironis nakadulebi SeniSnes. xati tiroda. mirondena<br />

grZeldeboda, Camodenil mirons xalxis gansakurneblad agrovebdnen. yrma iesos saxe TiTqmis ar uCanda, garkveviT aRar<br />

ganirCeoda Tvalebi, cxviri da piri. misi saxe mTlianad naTels moecva.<br />

xatma mravali saswauli moaxdina. 1998 wlis seqtemberSi ierusalimis saavadmyofoSi kanis kiboTi daavadebuli<br />

berZeni qali Camoiyvanes. eqimebma daaskvnes, rom mdgomareoba uimedo iyo da qalis axloblebs saberZneTSi dabruneba<br />

urCies. qalma uflis saflavis molocva gadawyvita da swored iq Seityo ramalis yovladwmida RvTismSoblis saswaulTmoqmedi<br />

xatis Sesaxeb. man xatidan Camodenili mironi mTel tanze icxo, meore dRes igi taZarSi or ebrael<br />

eqimTan erTad dabrunda, romlebic acxadebdnen, rom uimedod daavadebuli avadmyofi simsivnisagan sruliad ganikurna.<br />

cnobilia mahmadiani qalis gankurnebis SemTxvevac. qali cali TvaliT ver xedavda. mas Semdeg, rac man ganacxada, rom<br />

swams yovladwmida RvTismSoblisa da xatidan gadmosuli mironi icxo, meyvseulad ganikurna sneulebisagan da<br />

TvalisCini daubrunda.<br />

saeklesio kalendari 17-23 ivnisi<br />

17 17 ivnisi ivnisi ivnisi samSabaTi,<br />

samSabaTi, julo imperatori ver ascda RvTis msxverpls Seswiravda. TiTqosda am<br />

ms<strong>ge</strong>fsi. ms<strong>ge</strong>fsi.<br />

ms<strong>ge</strong>fsi.<br />

sasjels: igi Tavisma meomrebma taZris didebuli ceremoniis aRsasruleblad,<br />

sulTmofenobidan pirveli Svi- swored im adgilas aCexes, saidanac man sakuTar saxlSi Tavi mouyara<br />

deuli.<br />

pirvelad wmida xati gadmoagdo. axal- mTeli qalaqis oqrosa da vercxlis<br />

mRvdelmTavrisa mitrofanesi, konma imperatorma mixeil II-m gaanTavisu- kerpebs. qristianobis siZulviliT<br />

stantinopoleli patriarqisa (daaxl. fla Rirsi ilarioni. igi ganmartoe- dabrmavebulma likiniusma irwmuna<br />

326); mowameTa: frontasisa, severinesi, bul keliaSi daeyuda. xatmbrZoli Teodores SemonaTvali, magram sas-<br />

severianesi da silanesi (I); mowamisa imperatoris Teofiles dros Rirsi tikad motyuvda: wmida mxedarma crukonkordisa<br />

(daaxl. 175); mRvdelmowa- ilarioni kvlav Seipyres, sastikad RmerTebis qandakebebi Semusra, maTi<br />

misa astisa, diraqieli episkoposisa scemes da kunZul aTusiaze gadaasax- namsxvrevebi ki mowyalebad gasca.<br />

(II); Rirsisa zosimesi, egviptis les. Teofiles sikvdilis Semdeg wmida Teodore Seipyres da sastikad awames:<br />

babiloneli episkoposisa (VI); wmida- imperatorma Teodoram aRmsareble- miwaze daakres, xaris ZarRvebiT scemes,<br />

Ta menelsacxeble dedaTa: marTasi da bi daabruna gadasaxlebidan. wmida rkinis samTiTebiT jijgnes, cecxlis<br />

mariamisi, marTal lazares daTa; Rir- ilarionic daubrunda dalmatis mon- alze tanjes, Tvalebi daTxares. Semsmowamisa<br />

ioanesi, monagrieli iRuasters, kvlav misi iRumeni gaxda da deg xuTi dRe sapyrobileSi amyofes<br />

menisa (761).<br />

mSvidobiT miicvala 845 wels. mSier-mwyurvali, bolos ki jvarze<br />

18 18 ivnisi, ivnisi, oTxSabaTi,<br />

oTxSabaTi,<br />

oTxSabaTi, 20 20 ivnisi, ivnisi, paraskevi.<br />

paraskevi. miamsWvales. moaxloebuli aRsasru-<br />

ms<strong>ge</strong>fsi<br />

ms<strong>ge</strong>fsi<br />

ms<strong>ge</strong>fsi<br />

ms<strong>ge</strong>fsi<br />

lis molodinSi, wmidani locvas<br />

mcxeTis jvris dResaswauli. mowamisa Teodote ankvirelisa mieca, magram ufalma isurva, rom<br />

mRvdelmowamisa doroTesi, tvireli (303); mRvdelmowamisa markeline ro- Teodores micvaleba iseTive saswau-<br />

episkoposisa (daaxl. 362); mowameTa: mis papisa, da mowameTa: klavdisi, kvirlebrivi yofiliyo, rogorc mTeli<br />

markianesi, nikandrosi, iperiqesi, inesi da antoninesi (304); mRvdel- misi sicocxle: wylulebi dauama mas<br />

apolonisa, leonidesi, ariosisa, gormowamisa markele romis papisa, mowame- da jvaridan gardamoxsna, mefis meomgisi,<br />

selinisa, erinisa da pambosi (305- Ta: sisini da kvirike diakonTa, smarebma ixiles WeSmariti RmerTis Zal-<br />

311); Rirsisa Teodore saswaulTmoqragdisa, largisa, apronianesi, satmosileba, irwmunes qriste da moinmedisa<br />

(daaxl. VI); Rir-sisa anubisa, urninesi, papiusisa da mavros mxedarTa aTlnen. amis Semdeg, wmidanma ar isur-<br />

egvipteli meudabnoisa (IV); Rirsisa da kriskentianesi, mowame dedaTa: va mowameobrivi sikvdili Tavidan<br />

doroTesi, abba seridis savanidan priskilasi, lukianasi da artemia me- aecilebina, daaSoSmina mtarvalTa<br />

(daaxl 620); Rirsisa petre kofis asulisa (IV); mowameTa: valeriasi winaaRmdeg aRmdgari xalxi da nebiT<br />

riSelisa (daaxl. 1275).<br />

(kaleriasi), kviriakiasi da mariamisa Cabarda likiniuss. gzad igi erTi<br />

19 19 ivnisi, ivnisi, xuTSabaTi.<br />

xuTSabaTi. palestinis kesarias (IV).<br />

sityvis warmoTqmiT sapyrobileTa<br />

ms<strong>ge</strong>fsi<br />

ms<strong>ge</strong>fsi<br />

21 21 ivnisi, ivnisi, ivnisi, SabaTi. SabaTi. ms<strong>ge</strong>fsi<br />

ms<strong>ge</strong>fsi karebs ganaxmida da tusaRebs<br />

Rirsisa besarion egviptelisa, wargzavna sulTmofenobis borkilebisagan anTavisuflebda. mis<br />

saswaulTmoqmedisa (IV-V); Rirsisa dResaswaulisa.<br />

samoselsa da saswaulebriv gankurneb-<br />

ilarion axlisa (845); Rirsmowame didmowamisa Teodore stratilul sxeulze SexebiT sneulebi da<br />

qalwulTa: arqelaiasi, Teklasi da atisa (IV); Rirsmowamisa Tevdore eSmakeulebi meyseulad ikurnebodnen.<br />

sosanasi (293); mowamisa <strong>ge</strong>lasisa. mRvdelisa (kvelTeli, 1608/1609); Rir- mefis brZanebiT wmidans Tavi moh-<br />

Rirsi Rirsi ilarion ilarion axali<br />

axali<br />

sisa efremisi, antioqieli patriarkveTes. Rirsi ilarion axali RvTismoyqisa (545); Rirsisa zosime finikielisa 22 22 ivnisi, ivnisi, kvira, kvira, ms<strong>ge</strong>fsi<br />

ms<strong>ge</strong>fsi<br />

vare didebulebis ojaxSi daibada. (VI).<br />

sulTmofenobidan I kviriake,<br />

mSoblebi - petre da Teodosia saTwmidawmidawmida mowame mowame Teodore Teodore stratistrati-<br />

yovelTa wmidaTa. petre-pavlobis<br />

noebaSi wvrTnidnen Svils. Tormeti lati<br />

lati<br />

marxvis aReba. kirilesi, aleqsandri-<br />

wlis iyo wmida ilarioni, roca be- wmida mowame Teodore stratieli mTavarepiskoposisa (444); Rirrad<br />

aRikveca isixis monasterSi bilati qalaq evqitSi cxovrobda. mas sisa ioane SavTelisa (XIII); mowameTa:<br />

zantionis maxloblad, iqidan ki dal- mravalgvari niWi da SesaniSnavi gar- Teklasi, marTasi da mariamisa, sparmatis<br />

monasterSi gadavida, sadac didi egnoba hqonda mimadlebuli. wmidaseTs vnebulTa (346); wmidisa kolumba<br />

sqema Seimosa da Rirsi grigol dekanis axovaneba saqveynod maSin gacxad- ionelisa, Sotlandiis ganmanaTlebepolelis<br />

mowafe gaxda. wmida mama did da, roca man, RvTis SemweobiT, moklisa (597).<br />

pativs mia<strong>ge</strong>bda Tavis RmerTSemosil la evqitis maxloblad ufskrulSi 23 ivnisi, orSabaTi,<br />

Tanamosaxeles - Rirs ilarion dids dabudebuli uzarmazari gveli,<br />

marxva marxva<br />

marxva<br />

da cdilobda mas mimsgavseboda, ami- romelic umowyalod nTqavda adami- sulTmofenobidan me-2 Svideuli.<br />

tom uwodes ilarion axali. 813 wels anebs da SiSis zars scemda mosaxle- orSabaTi<br />

xatmbrZoli imperatoris leon somexobas. gamoCenili simamacisaTvis Te- petre-pavlobis marxvis dasawyiis<br />

(813-820) gamefebam da marTlmaodore qalaq herakliaSi stratilsi. mRvdelmowamisa timoTesi, prusedidebelTa<br />

devnis ganaxlebam daar- atad daniSnes. wmidani Tavis warmarT li episkoposisa (361-363); mowameTa:<br />

Rvia monastris cxovrebis Cveuli meomrebs Soris mxurvaled qada<strong>ge</strong>b- aleqsandresi da antonina qalwulisa<br />

ritmi. Rirsma ilarionma xatebis Seuda saxarebis swavlebas. male TiTqmis (daaxl. 313); RirsTa Teofanesi da<br />

racxyofaze uari ganacxada da ga- mTeli heraklia gaqristianda. am dros pansemnisi (369); basianesi, lavdieli<br />

bedulad amxila imperatori mwvale- imperatorma likiniusma marTlma- episkoposisa (409).<br />

blobaSi, risTvisac mravali tanjvis<br />

daTmena mouxda: igi ramdenjerme<br />

didebelTa sastiki devna wamoiwyo.<br />

wmidanma likiniusi Tavad moiwvia her-<br />

gverdi gverdi moamzada<br />

moamzada<br />

Caagdes sapyrobileSi da awames. usakliaSi da aRuTqva, rom RmerTebs nata nata nata maruqaSvilma<br />

maruqaSvilma<br />

maruqaSvilma<br />

`adamianis cxovrebis erT-erTi ZiriTadi mizani sxvisTvis sixarulis<br />

miniWeba, sxvisi gaxareba unda iyos. albaT, Tqvenc gamogicdiaT is didi<br />

sixaruli, romelsac gaWirvebulisTvis daxmareba gangvacdevinebs. am dros<br />

gulSi sixaruli sufevs, radgan vgrZnobT, rom gaRebuli materialuri<br />

Semweobis nacvlad iseTi didi saunje movipoveT, romelsac is, rac gaveciT,<br />

verc ki Seedreba. ai, swored es aris is sruli sixaruli, romelic adamians<br />

RmerTTan akavSirebs.~<br />

ilia ilia II, II, sruliad sruliad saqarTvelo<br />

saqarTvelos<br />

saqarTvelo<br />

kaTolikos-patriarqi<br />

kaTolikos-patriarqi<br />

`RmerTma adamianebs misca sityva siyvaruli, raTa ase daerqmiaT ufalTan<br />

TavianTi damokidebulebisaTvis.<br />

rodesac adamianebi am sityvas borotad iyeneben da ase miwier urTierTobebs<br />

moixsenieben, maSin igi kargavs Tavis azrs.<br />

sityvebi kargaven wmida da RvTaebriv Zalas da TiTqosda kvdebian.<br />

iseve, rogorc CrdiloeTSi gadarguli samxreTis xe Wkneba da kvdeba.~<br />

wmida wmida nikoloz nikoloz serbeli<br />

serbeli<br />

`iolad dacemas ar mieCvio. radgan yoveli dacemisas sulis zRude<br />

irRveva da mtrisaTvis Sesvla ioldeba manam, sanam damarcxebuli mTlianad<br />

tyveobaSi ar aRmoCndeba.~<br />

beri beri ioseb ioseb aToneli<br />

aToneli<br />

`bevrad ufro advilia gareSe mtris damarcxeba, vidre sakuTari Tavisa.<br />

adamians ar hyavs sakuTar Tavze ufro didi mteri.~<br />

wm. wm. markoz markoz moRvawe moRvawe<br />

moRvawe<br />

`codvis mona im adamians hgavs, romelic maRali mTidan Camodis: Tavidan<br />

horizonti farToa, bevri sanaxaobaa Tvalwin, bevri bilikia fexqveS,<br />

magram rac ufro qvemoT Camodis, miT ufro viwrovdeba horizonti,<br />

naklebia sanaxaoba. bolos ki erTi biliki rCeba, romelsac ufskrulisken<br />

miyavs igi.~<br />

xersoneli xersoneli mTavarepiskoposi mTavarepiskoposi inokenti<br />

inokenti<br />

`Tu mdidari xar, ifiqre imasze, SeZleb Tu ara siRaribis Rirseulad<br />

gadatanas.<br />

Tu bednieri xar, warmoidgine, rogor Sexvde Rirseulad ubedurebas.<br />

rodesac adamianebi gaqeben, ifiqre, SeZleb Tu ara Rirseulad gadaitano<br />

Za<strong>ge</strong>ba.<br />

da mTeli cxovrebis manZilze ifiqre, rogor Sexvde Rirseulad<br />

sikvdils.~<br />

wm. wm. nikoloz nikoloz serbi<br />

serbi

#158<br />

ivnisi<br />

ivnisi<br />

raoden paradoqsuladac unda<br />

JRerdes, naRvlis buStis sneulebebi<br />

mdedrobiT, qalur daavadebad iTvleba<br />

da am organosTan dakavSirebuli<br />

problemebiT mSvenieri sqesis warmomad<strong>ge</strong>nlebi<br />

ufro itanjebian. medikosebis<br />

mtkicebiT, qaluri sasqeso<br />

hormonebi qolecistitis maprovocirebelia.<br />

naRvlis buSti, iseve<br />

rogorc apendiqsi, Cvens organizmSi<br />

arsebuli erTgvari naRmia, romelic<br />

daCirqebis, kenWebis warmoqmnis, gangrenuli<br />

gadagvarebis SemTxvevaSi,<br />

SesaZloa gaskdes, mowamlos sisxli,<br />

gamoiwvios sefsisi (sisxlis mowamvla)<br />

da peritoniti (muclis apkis<br />

anTeba). rogorc gamokvlevebi adasturebs,<br />

<strong>ge</strong>netikurad da <strong>ge</strong>oanTropologiurad<br />

naRvlis Tandayolili<br />

sisuste Crdilo amerikisa da<br />

Crdilo-dasavleT evropis mosaxleobas<br />

axasiaTebs. mwvave qolecistiti<br />

muclis Rrus organoebis paTologiebSi<br />

meorea daavadebulTa raodenobiT<br />

apendicitis Semdeg da Sead<strong>ge</strong>ns<br />

daaxloebiT 2-3 procents. qaleb-<br />

Si igi 5-jer ufro xSirad gvxvdeba,<br />

vidre mamakacebSi, miuxedavad imisa,<br />

rom am ukanasknelTa racioni bevrad<br />

ufro datvirTulia cxoveluri `mZime~<br />

cximebiTa da alkoholiT.<br />

zemoT ukve aRvniSneT, rom qolecistitis<br />

formirebaze udides<br />

gavlenas axdens Cveni kvebis reJimi,<br />

magram SemTxvevaTa umravlesobaSi<br />

mocemulia naRvlis buStis baqteriuli<br />

inficirebis klinikuri suraTi,<br />

inficirebis gzebia: hemato<strong>ge</strong>nuri<br />

(sisxliT - karis venidan) limfo<strong>ge</strong>nuri<br />

(mezobeli, momijnave) organoebidan<br />

(limfis saSualebiT) da nawlavidan<br />

(Tormetgoja nawlavisgan)<br />

aRmavali, anu entero<strong>ge</strong>nuri, uxSiresad,<br />

qolecistitis gamomwvevi gzebi<br />

nawlavis Cxiria, TiTqmis naxevarSi<br />

pacientebisa vlindeba mkacri anaerobebis<br />

asocirebuli flora (mag. enterokoki)<br />

limfis saSualebiT naRvlis<br />

buSts infeqcia gadaecema<br />

pankreasidan anu (kuWqveSa jirkvlidan),<br />

aseve sakvercxeebidan. qalebs,<br />

romlebic wlebis ganmavlobaSi<br />

sakvercxeebis qronikuli anTebiT<br />

itanjebian, uviTardebaT qronikuli<br />

qolecistiti.<br />

qolecistiti - naRvlis buStis<br />

anTebiT sneulebas warmoad<strong>ge</strong>ns,<br />

romelsac Tan axlavs funqciuri dar-<br />

Rvevebi da naRvlis bioqimiuri struqturis<br />

cvlilebebi - elastikurobis<br />

dakargva, hipertonusi an hipotunusi<br />

(tonusis gaZliereba-Sesusteba)<br />

kedlebis Sesqeleba, xSirad masSi<br />

naleqis, silis, kenWis warmoqmna, am<br />

yvelafers disqolia ewodeba.<br />

naRvlis buSti muclis RruSi<br />

mdebare, RviZls qveviT ganTavsebuli<br />

7-9 sm. zomis msxliseburi formis<br />

organoa, igi warmoad<strong>ge</strong>ns RviZlis<br />

mier gamomuSavebuli naRvlis wvenis<br />

erTgvar saTavso `rezervuars~. Rvi-<br />

Zli naRvlis wvens warmoqmnis qolesterinis<br />

saSualebiT (romlis normaluri<br />

doziT arseboba sisxlSi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

naRvlis buSti - naRmi, romelic SesaZloa afeTqdes<br />

naRvlis naRvlis naRvlis naRvlis naRvlis muStis muStis muStis muStis muStis daavadebebi daavadebebi daavadebebi daavadebebi daavadebebi Cvens Cvens Cvens Cvens Cvens regionSi regionSi regionSi regionSi regionSi sakmaod sakmaod sakmaod sakmaod sakmaod gavrcelebul gavrcelebul gavrcelebul gavrcelebul gavrcelebul Sinagan Sinagan Sinagan Sinagan Sinagan sneulebebs sneulebebs sneulebebs sneulebebs sneulebebs warmoad<strong>ge</strong>ns, warmoad<strong>ge</strong>ns, warmoad<strong>ge</strong>ns, warmoad<strong>ge</strong>ns, warmoad<strong>ge</strong>ns, gansakuTrebiT gansakuTrebiT gansakuTrebiT gansakuTrebiT gansakuTrebiT mwvave mwvave mwvave mwvave mwvave<br />

da da da da da aqtualuri aqtualuri aqtualuri aqtualuri aqtualuri es es es es es problema problema problema problema problema dResaswaulis dResaswaulis dResaswaulis dResaswaulis dResaswaulis dReebSi dReebSi dReebSi dReebSi dReebSi iCens iCens iCens iCens iCens Tavs. Tavs. Tavs. Tavs. Tavs. daavadebis daavadebis daavadebis daavadebis daavadebis ganviTarebis ganviTarebis ganviTarebis ganviTarebis ganviTarebis erT-erTi erT-erTi erT-erTi erT-erTi erT-erTi mTavari mTavari mTavari mTavari mTavari mizezi mizezi mizezi mizezi mizezi Cvens Cvens Cvens Cvens Cvens<br />

pasiur, pasiur, pasiur, pasiur, pasiur, mjdomare mjdomare mjdomare mjdomare mjdomare cxovrebis cxovrebis cxovrebis cxovrebis cxovrebis wessa wessa wessa wessa wessa da da da da da kvebis kvebis kvebis kvebis kvebis araswor, araswor, araswor, araswor, araswor, TiTqmis TiTqmis TiTqmis TiTqmis TiTqmis aranormalur aranormalur aranormalur aranormalur aranormalur reJimSi reJimSi reJimSi reJimSi reJimSi mdgomareobs.<br />

mdgomareobs.<br />

mdgomareobs.<br />

mdgomareobs.<br />

mdgomareobs.<br />

aucilebelia, qolesterinis mkveTri<br />

metoba sxva nivTierebebTan SedarebiT<br />

erT-erTi gamomwvevia qolecistitisa)<br />

RviZls da naRvels aqvT naRvlis<br />

saerTo sadinari (qoledoqi)(?),<br />

romliTac igi Tormetgoja nawlavs<br />

uerTdeba.<br />

qolecistits, iseve rogorc wina<br />

nomerSi ganxilul virusul hepatits,<br />

axasiaTebs mwvave da qronikuli<br />

formebi. mwvave qolecistitis<br />

CivilTagan upirvelesia yru tkivili<br />

marjvena ferdqveSa areSi. igi Sesa-<br />

naRvlis naRvlis naRvlis buStis buStis sneulebebi sneulebebi mdedrobiT, mdedrobiT, mdedrobiT, qalur<br />

qalur<br />

daavadebad daavadebad iTvleba iTvleba da da am am organosTan organosTan dakavSirebuli<br />

dakavSirebuli<br />

problemebiT problemebiT mSvenieri mSvenieri mSvenieri sqesis sqesis warmomad<strong>ge</strong>nlebi warmomad<strong>ge</strong>nlebi ufro<br />

ufro<br />

itanjebian. itanjebian. medikosebis medikosebis mtkicebiT, mtkicebiT, mtkicebiT, qaluri qaluri sasqeso<br />

sasqeso<br />

hormonebi hormonebi qolecistitis qolecistitis maprovocirebelia<br />

maprovocirebelia<br />

maprovocirebelia<br />

Zloa Tavidanve Zalze Zlieri iyos.<br />

am dros yovelgvari moZraoba tkivilis<br />

gaZlierebas iwvevs. tkivili moulodnelad<br />

gvatydeba Tavs, muSaobisas,<br />

siarulisas, gansakuTrebiT sakvebis<br />

miRebis dros, Tuki es sakvebi<br />

cxare, mJave da gansakuTrebiT, cxoveluri<br />

cximiT aris datvirTuli,<br />

iqidan gamomdinare, rom cximi da<br />

gansakuTrebiT cxoveluri, naRvlis<br />

wvenis gamomuSavebas astimulirebs,<br />

amitom xSir SemTxvevaSi pacientebs<br />

garkveuli periodis ganmavlobaSi<br />

saerTod ekrZalebaT xorcis (gansakuTrebiT<br />

Roris da cxvris xorcis)<br />

miReba. xSirad qolecistitis<br />

Tanmdevi movlenebia gadacemiTi saxis<br />

tkivili laviwis, mxrisa da gulmkerdis<br />

midamoebSi, ris gamoc bevr<br />

SemTxvevaSi diagnozis araswori dasma<br />

xdeba (stenokardia an gulis iSemiuri<br />

daavadebebi). Sesabamisad, arasworad<br />

iniSneba mkurnalobis kursic.<br />

mwvave qolecistiti SesaZloa ganpirobebuli<br />

iyos ramdenime faqtoriT<br />

(meqanikuri - sakvebiT gaRizianebiT)<br />

qimiuri anTebiT (sxvadasxva qimiuri<br />

preparatis zemoqmedebiT) da zemoxsenebuli<br />

baqteriuli infeqciiT. aRsaniSnavia,<br />

rom pacientebi ufro<br />

metad mwvave formis SemTxvevaSi akiTxaven<br />

medikosebs, rodesac tkivili<br />

ukve gausaZlisi xdeba.<br />

mwvave qolecistitis simptomebia<br />

disepsiuri movlenebi - umadoba,<br />

Tavbruxveva, gulisreva, sufebriluri<br />

temperatura (e. w. `dabali sicxe~ -<br />

37,3 an 37,5 xazi). xSiria agreTve<br />

mkveTrad gamoxatuli garegani siyvi-<br />

Tle - Tvalis skleris da kanis<br />

gayviTlebis saxiT, zogjer Sardis<br />

gamuqebiTac.<br />

qolecistitis ganviTarebis mTavari<br />

faqtoria naRvlis Segubeba,<br />

roca igi aRar gaedineba sadinarSi,<br />

rac gamowveulia liTo<strong>ge</strong>nobiT (ken-<br />

WwarmoqmniT) diskineziiT (sanaRvle<br />

sadinarebis gauvalobiT) garegani<br />

faqtorebiT, rogoricaa Warbi wona<br />

da orsuloba, uZraobiT, araswori<br />

kvebiT da sxv. daavadaebis mastimu-<br />

jandacva<br />

lirebeli faqtoria alergiuli<br />

fonic.<br />

mwvave qolecistitis TviTmkurnaloba<br />

dauSvebelia! arcerTi formis<br />

qolecistiti srulad gankurnebadi<br />

ar aris, mxolod misi droebiTi<br />

an samudamo `miZineba~ SesaZlebelia<br />

konservatiuli, Terapiuli saSualebebiT.<br />

Tumca, Tanamedrove medicina,<br />

Sede<strong>ge</strong>bis kvlevebis safuZvelze, qirurgiuli<br />

Carevis primats eyrdoba, imdenad,<br />

ramdendac daCirqebuli, gangrenulad<br />

gadagvarebuli naRvlis<br />

buStis organizmSi datoveba, rogorc<br />

zemoTac SevniSneT, Zalze saSiSia da<br />

xSirad letalobis (sikvdilianobis)<br />

maRal risks Seicavs. Tumca, SesaZloa<br />

pacients daeniSnos preoperaciuli<br />

medikamentozuri mkurnaloba im<br />

SemTxvevaSi, Tu qirurgiuli Careva<br />

sicocxlisaTvis saSiSia. Terapiuli<br />

midgoma ramdenime fazas moicavs:<br />

samkurnalo-dieturi kveba, naRvelmdeni<br />

saSualebebis racionaluri CarTva,<br />

imunostimulatirebis daniSvna,<br />

fizioTerapia, tkivilis sindromis<br />

kupireba (moxsna) antibaqteriuli da<br />

dezintoqsikaciuri mkurnaloba, didi<br />

mniSvneloba eniWeba gamajansaRebelsakurorto-sanatoriul<br />

meTodsa da<br />

mineralur wylebs. ar SeiZleba ase-<br />

Ti saxis Civilebisa da ferdqveSa<br />

tkivilis dros SemTxveviTi antibiotikebisa<br />

da tkivilgamayuCeblebis<br />

saSualebiT tkivilis signalebis Cax-<br />

Soba, aucilebelia mimarToT<br />

urologs, romelic zustad gansazRvravs<br />

Tqvens mdgomareobas da<br />

daginiSnavT Sesabamis mkurnalobas.<br />

rac Seexeba qronikul qolecis-<br />

mwvave mwvave qolecistitis qolecistitis simptomebia simptomebia dispensiuri<br />

dispensiuri<br />

movlenebi movlenebi - - umadoba, umadoba, umadoba, Tavbruxveva, Tavbruxveva, gulisreva,<br />

gulisreva,<br />

sufebriluri sufebriluri temperatura temperatura (e. (e. w. w. ``dabali ``dabali sicxe`` sicxe`` - - 37,3<br />

37,3<br />

an an 37,5 37,5 37,5 xazi). xazi). xSiria xSiria agreTve agreTve agreTve mkveTrad mkveTrad gamoxatuli<br />

gamoxatuli<br />

garegani garegani garegani siyviTle siyviTle - - Tvalis Tvalis skleris skleris da da kanis<br />

kanis<br />

gayviTlebis gayviTlebis saxiT, saxiT, zogjer zogjer Sardis Sardis gamuqebiTac.<br />

gamuqebiTac.<br />

tits, igi SeiZleba iyos kalkulozuri<br />

da arakalkulozuri. qronikuli<br />

qolecistitis formireba mwvaves<br />

bazaze xdeba, roca igi ukve mudmiv<br />

xasiaTs iRebs. qronikul formas Sesa-<br />

Zloa ar hqondes mkveTrad gamoxatuli<br />

garegnuli Tu sxva simptomebi,<br />

magram drodadro igi mwvavdeba da<br />

tkivilic iCens Tavs - spazmuri Setevebis<br />

saxiT, Tu Cven naRvels saTanado<br />

yuradRebas ar vuTmobT da sxvadasxva<br />

sakvebiT meqanikurad Zalze<br />

vaRizianebT mas - aqac vlindeba<br />

gulisreva, umadoba, siyviTle, yabzoba,<br />

Tavis tkivili da momatebuli<br />

temperatura. aqac umjobesia qirurgiuli<br />

Careva, miT umetes dRevandel<br />

laparaskopiuli meTodebis<br />

pirobebSi, rodesac SesaZlebelia pacientis<br />

uswrafesi reabilitacia.<br />

rasakvirvelia, iseve, rogorc yvela<br />

operaciis SemTxvevaSi, aqac arsebobs<br />

garTulebebis garkveuli riski, magram<br />

umeteswilad pacientebi Tavs<br />

kargad grZnoben operirebis Semdeg.<br />

garda amisa, naRvlis buStis kompensacias<br />

SemdgomSi sadinarebi axdenen,<br />

sadac naRvlis dagroveba xdeba da<br />

sadinarebic amis Sesabamisad deformirdeba.<br />

mwvave qolecistitisas pacients<br />

eniSneba woliTi reJimi da dieta,<br />

xSirad xSirad qolecistitis qolecistitis Tanmdevi Tanmdevi movlenebia movlenebia<br />

movlenebia<br />

gadacemiTi gadacemiTi saxis saxis saxis tkivili tkivili laviwis, laviwis, mxrisa mxrisa da da<br />

da<br />

gulmkerdis gulmkerdis midamoebSi, midamoebSi, ris ris gamoc gamoc bevr bevr SemTxvevaSi<br />

SemTxvevaSi<br />

diagnozis diagnozis araswori araswori dasma dasma xdeba xdeba (stenokardia (stenokardia an<br />

an<br />

gulis gulis iSemiuri iSemiuri daavadebebi)<br />

daavadebebi)<br />

daavadebebi)<br />

romelic pirvel dReebSi sakmaod<br />

mkacria da Seicavs mxolod mineralur<br />

wyals, mcire ulufa orcxobilasa<br />

da Tbil, ganzavebul Caisa Tu<br />

wvenebs (araviTar SemTxvevaSi ar Sei-<br />

Zleba magari, koncentrirebuli Cai<br />

da yava, agreTve srulad ikrZaleba<br />

gamagrilebeli gaziani da alkoholuri<br />

sasmelebi), Semdeg nel-nela<br />

emateba burRuleuli da xili. bur-<br />

Ruleuli, jer erTi, magniumiTaa<br />

mdidari da iniSneba hipertonusisa<br />

da hipotonusis dros, rac aregulirebs<br />

naRvlis gamomuSavebas, xels<br />

uSlis naRvlis gauvalobis formirebas<br />

sadinarebSi da meore, advilad<br />

SeiTviseba organizmis mier (qato,<br />

brinji, mani, herkulesi, wiwibura,<br />

xorbali, aseve bostneuli), sasurvelia<br />

gaxexili, umi bostneulisa da<br />

xilis miReba, Tumca, aqac aris<br />

garkveuli SezRudvebi.<br />

mwvave da qronikuli qolecistitiT<br />

daavadebulma pacientebma<br />

racionidan maqsimalurad unda gamoricxon<br />

Semdegi produqtebi: Rorisa<br />

da cxvris xorci, kvercxis guli, soko,<br />

yvelan<strong>airi</strong> bulioni, (radganac xorcis<br />

naxarSSi uamravi Slaki da toqsini<br />

gamoiyofa), mJave, mware, cxare,<br />

mlaSe, pikanturi da egzotikuri<br />

sakvebi, kenkrovani xili - Jolo, mocxari,<br />

mayvali, aseve citrusebi,<br />

mcenareulidan ki tarxuna, wiwmati<br />

18<br />

da pirSuSxa, sasurvelia iSviaTad<br />

mivirTvaT comeuli (gansakuTrebiT<br />

margarinze damzadebuli - gaurkveveli<br />

Semcvelobis gamo), radgan igi<br />

organizmis mier cudad SeiTviseba,<br />

aucilebelia miirTvaT frinvelis da<br />

Zroxis xorci, aseve Tevzi mxolod<br />

moxarSul mdgomareobaSi, daSvebulia<br />

naRebis karaqis, ucximo xaWos da mcireodeni<br />

araJnis miReba. saerTod, Zalian<br />

dadebiTad moqmedebs rZis produqtebis<br />

miReba, radganac dad<strong>ge</strong>nilia, rom<br />

isini antiliTo<strong>ge</strong>nuri TvisebebiT<br />

gamoirCeva. Tumca, dieta yvelas individualurad<br />

eniSneba. sayovelTaod<br />

miRebuli antiqolecistituri<br />

racioni, imis gaTvaliswinebiT, aris<br />

Tu ara pacienti alergiuli (aseT<br />

SemTxvevaSi izRudeba Tevzi, xizilala,<br />

lobio da sxva cilovani sakvebic,<br />

yovel SemTxvevaSi, garkveuli<br />

periodis manZilze).<br />

naRvelkenWovani daavadebebis<br />

zemoCamoTvlili riskfaqtorebis<br />

garda, am CamonaTvals miekuTvneba: <strong>ge</strong>netikuri<br />

faqtori (mSoblebis janmrTeloba),<br />

Sua xnis asaki, preparati<br />

`klofibrati~, romelic pirdapir<br />

iwvevs hipertonuss, cximebis Warbi<br />

raodenobiT miReba da erTbaSad didi<br />

odenobis ulufis mirTmeva. es ukanaskneli,<br />

cxovrebis ritmisa da samuSao<br />

grafikidan gamomdinare, xSirad<br />

gviwevs, rac Cvens kuWnawlavis<br />

traqtsa da zogadad, saWmlis momnelebel<br />

sistemaze uaryofiTad aisaxeba.<br />

saWiroa mcire odenobis sakvebis<br />

miReba da xSir-xSirad.<br />

da bolos, eqim-Terapevti nino<br />

yirmelaSvili gvirCevs, meti yuradReba<br />

mivaqcioT sakuTar janmrTelobas,<br />

vikveboT dabalansebulad da srulyofilad<br />

davkavdeT sportiT, periodulad<br />

mivmarToT prevenciul,<br />

profilaqtikur gamokvlevas. qolecistiti<br />

sulac ar aris uwyinari da,<br />

naRvelkenWovani naRvelkenWovani daavadebebis daavadebebis gamomwvevia gamomwvevia gamomwvevia -<br />

-<br />

<strong>ge</strong>netikuri <strong>ge</strong>netikuri faqtori faqtori (mSoblebis (mSoblebis janmrTeloba), janmrTeloba), Sua<br />

Sua<br />

xnis xnis asaki, asaki, preparati preparati ``klofibrati``, ``klofibrati``, ``klofibrati``, romelic romelic romelic pirdapir<br />

pirdapir<br />

iwvevs iwvevs hipertonuss, hipertonuss, cximebis cximebis Warbi Warbi Warbi raodenobiT<br />

raodenobiT<br />

miReba miReba da da erTbaSad erTbaSad didi didi odenobis odenobis ulufis ulufis mirTmeva<br />

mirTmeva<br />

garda imisa, rom analogiuri gziT<br />

mas sxva organoebis inficirebac Seu-<br />

Zlia, igi nervuli sistemis mTel rig<br />

sneulebebs iwvevs, maT Soris, ve<strong>ge</strong>tosisxlZarRvovan<br />

distonias,<br />

nevrozs, premenstrualur da qolecstirikoronalur<br />

sindroms.<br />

qeTevan qeTevan didebu didebuliZe<br />

didebu liZe

#158<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

moda-2008<br />

Sublima<strong>ge</strong> masque - Sanelis kosmetikuri xazis axali aRmd<strong>ge</strong>ni, damatenianebeli, gamaaxalgazrdavebeli niRabia,<br />

romelic klasikurma da daxvewilma Chanel-is saxlma yvela asakis qalbatonebisTvis Seqmna, Tumca, misi<br />

intensiuri moxmareba mainc balzakis asakis da ufro asakovani mandilosnebisTvis aris rekomendirebuli. misi<br />

kanze datana ar SegiqmniT araviTar diskomforts - Txeli, xaverdovani da rbili masa sagan<strong>ge</strong>bod mgrZnobiare,<br />

alergiuli, pretenziuli kanisaTvis aris damzadebuli - Seicavs aqtiur damatenianebel, mkvebav, re<strong>ge</strong>nerator<br />

(aRmd<strong>ge</strong>n) ingredientebs, aqvs damamSvidebeli da gamwmendi efeqti. masa warmod<strong>ge</strong>nilia 50 ml-ian flakonSi. <strong>ge</strong>lis<br />

da webovani niRbis formiT - Tan axlavs specialuri funji, romliTac saxis kanze niRbis ganawileba xdeba.<br />

masimo dutis sunamo - Dutti sport - energiuli italielis mier SemoTavazebuli surneli energiuli, aqtiuri<br />

cxovrebis jansaRi wesis mimdevari mamakacebisTvisaa. misi grili aromati erTdroulad praqtikulicaa da fufunebis<br />

SegrZnebis momgvrelic. italiuri brendebi xom giJurad popularuli da aqtualuria. Tuki sportuli<br />

aqtivoba Tqveni hobi da cxovrebis ganuyreli nawilia, Tuki acnobierebT, rom cxovreba usasrulo Sejibria, nu<br />

Se<strong>ge</strong>SindebaT konkurenciis - gaxadeT Dutti sport - Tqveni tualetis aucilebeli atributi. Tuki Tqven erTdroulad<br />

gril, sportul da Zalze matonizirebel mamakacur aromatebs aniWebT upiratesobas!<br />

Dior-is kosmetika<br />

siaxle dioris dekoratiuli kosmetikis<br />

xazSi - loyebis mbrwyinavi<br />

feri (`rumiana~) warmod<strong>ge</strong>nilia ton-<br />

Ta araCveulebrivad mdidari palitriT.<br />

tonaluri krem-pudra da<br />

bikuloruli (orferovani) loyebis<br />

feri - funjiT, daitaneba Tanabrad<br />

da kans xaverdovan efeqts uqmnis,<br />

moxerxebulad faravs kanis wvrilman<br />

naklovanebebs, aris warmod<strong>ge</strong>nili<br />

`bronzes~ (brinjaos) bzinvarebis<br />

efeqtiani krem-pudra. damzadebulia<br />

Hydra-Matte guatro-sustem - unikaluri<br />

teqnologiiT, romelic sa-<br />

Sualebas iZleva miviRoT efeqti oTxi<br />

mimarTulebiT. cximovnobis kontroli<br />

- aniWebs kans sigluves da aregulirebs<br />

cximis ganawilebis manZilze<br />

- Semad<strong>ge</strong>nlobis wyalobiT. pudri<br />

maRalxarisxovan mcenareul<br />

nedleulzea damzadebuli da Seicavs<br />

polimerul mikronawilakebs. forebis<br />

kontroli - rac cximiani<br />

kanisTvis egzom mniSvnelovania da<br />

naklebSesamCnevs xdis maT. aranakleb<br />

saWiro - ultraiisferi (uv) sxivebis<br />

kontroli - pudras miniWebuli aqvs<br />

xsenebuli gamosxivebisagan damcavi<br />

spf20 da pa++ indeqsi - ramdenadac<br />

ultraiisferi sxivebi aCqarebs pigmenturi<br />

laqebis warmoqmnas da xels<br />

uwyobs kanis daberebas nebismier, Tund<br />

moRrubluli amindis pirobebSi. da<br />

bolos, kanis tenianobis donis kontroli<br />

damatenianebeli mcenareuli<br />

mikroelementebis saSualebiT!<br />

19<br />

Dior-is CanTebs reklamas ganumeorebeli<br />

monika monika beluCi<br />

beluCi<br />

o, moda, moda!<br />

monika beluCi ukeTebs<br />

`dioris saxlis~ 2008 wlis CanTebis xazs TviT umSvenieresi italieli monika<br />

beluCi warmoad<strong>ge</strong>ns. `kristian dioris~ brendma wels aqcenti mkacr tonalobebsa<br />

da praqtikul formebze gaakeTa. koleqcia saqmiani, klasikuri stilis moyvaruli<br />

qalbatonebisTvis ufroa gankuTvnili da egzotikuri Tu mWaxe ferebisa da Strixebis<br />

moyvarul modis mimdevarT arCevanis saSualebas ar utovebs. ferebidan Ziri-<br />

Tadad mxolod Savi, ruxi, vercxlisferi da kremisferia warmod<strong>ge</strong>nili. warmogid<strong>ge</strong>nT<br />

ramdenime maTgans:<br />

LARGE-White Woven - soft dior bag<br />

rbili faqturis dawnuli, vercxlisferi `metalisferi~ didi zomis kvadratuli<br />

CanTa, kraveliTa da liTonis kilitebiT gawyobili, ormagi tyavis saxeluriT da diorisemblemiani<br />

vercxlis aqsesuarebiT. es Tavad is CanTaa, romliTac monika beluCi aris<br />

fotoze gamosaxuli. komfortuli, sada da moduri CanTa - `dioris saxlis~ dizainerebisgan.<br />

zustad aseTive modelis xelCanTa warmod<strong>ge</strong>nilia kaSkaSa wiTel ferSi. unda<br />

iTqvas, rom koleqciaSi sul ramdenime myvirala wiTeli aqsesuaria warmod<strong>ge</strong>nili -<br />

zemoxsenebuli wiTeli xelCanTa, mcire zomis, usaxeluro, marTkuTxa formis Teatraluri<br />

`redikuli~ (romelic nebismier qalbatons modur wveulebaze Zalze daamSvenebda da<br />

aramc da aramc mis yoveldRiur stils) da cera TiTTan amoWrili dawnuli fexsacmeli.<br />

Savi, mWidro, rbili tyavis CanTa - Black shrink dior soft - kravelis, didi zomis,<br />

zustad imeorebs winamdebare xelCanTis dizains, mxolod faqtura da feria ganmasxvavebeli<br />

niSani.<br />

amave xazSia gaerTianebuli kravelis, piTonis tyavis rbili faqturis Savi, ruxi da<br />

Wreli priala xelCanTebi, ZiriTadad didi formis, praqtikuli da sada.<br />

meore nakrebi - Black lady dior bac - Savi CanTebi, dalianda<strong>ge</strong>buli, <strong>ge</strong>ometriuli<br />

figurebiT, ZiriTadad Savi da kremisferi. gacilebiT mcire zomis, mokle, majaze gadasakidi<br />

saxeluriT. araaxalgazrduli, aramed soliduri, Suaxnis qalbatonebisaTvis (moda<br />

xom aramxolod axalgazrda da kekluci qalbatonebis aRkazmulobaze zrunavs) mTlianobaSi,<br />

SeiZleba iTqvas, rom `diorma~ aqcenti wels ufro metad `Semodgomis asakis qalebze~<br />

gaakeTa, marTalia, xazi ramdenime mimarTulebiT aris warmod<strong>ge</strong>nili (redikuli, klasikuri,<br />

praqtikuli), magram mTlianobaSi stilis simkacre aSkarad TvalSi sacemia.<br />

anticelulitebi da bodikoreqtorebi<br />

sazafxulod Siseidosgan<br />

celuliti da Warbi wona sadReisod planetis mdedrobiT mkvidrTa erT-erTi umTavresi<br />

problemaa. celuliti moSvebuli e. w. `forToxlis kania~, garda imisa, rom esTetikurad<br />

cudi da ulamazoa, igi janmrTelobis problemebze, cxovrebis arajansaR<br />

wessa da sxva faqtorebzec miuTiTebs. amitom masTan komleqsuri brZolaa saWiro,<br />

Tumca, Cveni rubrikis kompetencia mxolod kosmetikuri da garegani moxmarebis<br />

saSualebebze aqcentirebaa.<br />

Siseidos Body creator<br />

aromatic scolptie<br />

concentrade anticelulite<br />

mdidari teqsturis<br />

mqone bodi (sxeulis)<br />

koreqtori vitaminizebuli<br />

kremi,<br />

sagrZnoblad amcirebs,<br />

`aviwroebs~ celulits<br />

- gankuTvnilia<br />

xangrZlivi moxmarebisaTvis.<br />

amcirebs striebsa<br />

da celulitis<br />

maprovocirebel faqtorebs<br />

kanis SemamWidrovebel-gamamkvrivebeli formulis meSveobiT, romelic saSualebas iZleva masa msubuqi masa-<br />

JiT SeviziloT problemur adgilebSi, koncentraciis wyalobiT, kremi advilad da Tanabrad nawildeba sxeulis<br />

areebSi, iZleva siaxlis, mxneobis sruliad axal SegrZnebas. axdens kanis relaqsacias, araCveulebrivi formebis<br />

misaRwevad (Tumca, gaiTvaliswineT, efeqtis miRwevas xangrZlivi periodi esaWiroeba, amitom moTminebiT aRiWurveT)<br />

SesaniSnavi damatenianebeli da re<strong>ge</strong>neratori saSualeba damyoli, nazi kanisa da moqnili sxeulisaTvis!<br />

gverdi gverdi momazada momazada qeTi qeTi didebuliZem<br />

didebuliZem

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