`oqros siaSi~ xelisuflebis favoritebi Sevlen~ - banksandfinance.ge
`oqros siaSi~ xelisuflebis favoritebi Sevlen~ - banksandfinance.ge
`oqros siaSi~ xelisuflebis favoritebi Sevlen~ - banksandfinance.ge
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#159<br />
ivnisi<br />
ivnisi<br />
anabari fuladi saxsrebis dagrovebisa<br />
da dabandebis kargi saSualebaa.<br />
magram Cndeba kiTxva romel<br />
valutaSi ufro mo<strong>ge</strong>biani iqneba Cvens<br />
xelT arsebuli fuladi resursebis<br />
ganTavseba? ipoTekurma krizisma<br />
amerikis ekonomikaSi sakmaod mZime Sede<strong>ge</strong>bi<br />
gamoiwvia, ekonomikis zrdis tem-<br />
pi sagrZnoblad Senelda, sagrZnoblad<br />
daeca dolaris kursic, amasTanave<br />
recesia gaWianurda da lari dolar-<br />
Tan mimarTebaSi gamyarda. amerikis<br />
ekonomikis mdgomareobidan gamosvla<br />
gaWirda. `amerikis ekonomikis recesiis<br />
Semcirebis procesi ukve aqtiurad<br />
mimdinareobs, Tumca yvela berketi jer<br />
ar aris amoqmedebuli. amasTan, am moculobis<br />
recesiis minimizacia moklevadian<br />
periodSi praqtikulad SeuZlebelia<br />
da mas, sul mcire, erTi weli-<br />
wadi sWirdeba. aSS-s prezidentis<br />
arCevnebis Semdgom stabilizaciis<br />
procesi ufro sagrZnobi iqneba. anu<br />
situaciis realur da sagrZnob gamosworebas<br />
momdevno wlidan unda<br />
velodeT. rac Seexeba aziur qveynebs,<br />
maT am procesebiT marTlac isar<strong>ge</strong>bles<br />
da sakmaod moculobiTi aqtivebi<br />
SeiZines ara marto<br />
amerikaSi, aramed Zalian<br />
bevr qveyanaSi, maT Soris<br />
saqarTveloSic. Cvens qveyanaSi<br />
aziuri kapitalis<br />
mozRvaveba swored dolaris<br />
kursis vardnis process<br />
ukavSirdeba, ris gamoc<br />
`dabneuli azieli milionerebi~<br />
cdiloben gaufasurebuli<br />
dolari droulad<br />
moiSoron da daabandon<br />
iseT qveynebSi, romelbic<br />
SedarebiT xelsayrelia<br />
biznesis warmoebisaTvis,~<br />
acxadebs ekonomikis eqsperti<br />
daviT narmania.<br />
saqarTveloSi anabrebis<br />
dolarizaciis maCvenebeli wlebis<br />
manZilze Zalian maRal niSnuls<br />
aRwevda. dolaris aseTma vardnam ki<br />
Seamcira depozitebi dolarebSi da<br />
mas Caenacvla evro da gayarebuli<br />
lari, Tumca dResdReobiT dolarizaciis<br />
maCvenebeli kvlav maRalia,<br />
rac ganpirobebulia dolarisadmi<br />
wlebis ganmavlobaSi maRali ndobi-<br />
Ta da sazRvargareTidan dolarebiT<br />
miRebuli fuladi gzavnilebiT.<br />
rac Seexeba evros, evros kursi<br />
www.<strong>banksandfinance</strong>.<strong>ge</strong><br />
romel valutaSi ganvaTavsoT anabari?<br />
distanciuri distanciuri momsaxurebis<br />
momsaxurebis<br />
saxeebi saxeebi qarTul qarTul bankebSi<br />
bankebSi<br />
Cvens swrafadcvalebad garemosa<br />
da teqnologiebis xanaSi sul ufro<br />
aqtualuri xdeba distanciuri momsaxureba.<br />
saqarTvelos sabanko sistema<br />
am mxriv momxmarebels farTo arCevans<br />
sTavazobs. am tipis momsaxureba<br />
swrafi, mosaxerxebeli da drois<br />
dazogvis saukeTeso saSualebaa.<br />
internet bankingi komfortuli<br />
da usafrTxo internet teqnologiebze<br />
a<strong>ge</strong>buli programaa, romlic bankis<br />
klients saSualebas aZlevs msoflios<br />
nebismieri qveynidan nebismier dros<br />
daaTvalieros sakuTari sabanko angariSebi,<br />
gadaricxos rogorc erovnuli,<br />
ise ucxouri valuta nebismieri<br />
mimarTulebiT, gadaixados komunaluri<br />
gadasaxadebi, dafaros sesxi<br />
da ganaxorcielos sxvadasxva saxis sabanko<br />
operacia sakuTari angariSebidan<br />
amonawerebis naxva da amobeWvda,<br />
depozitebis Sesaxeb informaciis<br />
miReba, xolo iuridiul pirebs Seu-<br />
ZliaT sakuTar TanamSromlebs xelfasi<br />
am gziT Cauricxon. internet<br />
banki saSualebas iZleva klientma<br />
sabanko angariSebi marTos 24 saaTis<br />
ganmavlobaSi kviris nebismier dRes.<br />
am programiT sar<strong>ge</strong>blobisaTvis<br />
saWiroa mxolod internetSi CarTuli<br />
kompiuteri da mniSvneloba ara<br />
aqvs, momxmarebeli romel qveyanaSi<br />
imyofeba. ama Tu im bankis internet<br />
bankis momsaxurebiT sar<strong>ge</strong>blobisaTvis<br />
aucilebelia bankSi minimum erTi angariSis<br />
qona.<br />
bevr bankSi am servisiT sar<strong>ge</strong>bloba<br />
ufasoa rogorc iuridiuli, aseve<br />
fizikuri pirebisTvis, xolo zogierT<br />
bankSi fizikuri pirebisTvis registracia<br />
minimaluri xarjTanaa dakav-<br />
Sirebuli da standartuli paketis<br />
SemTxvevaSi 10 lari Rirs, xolo sruli<br />
paketi(moicavs ufro didi raodenobis<br />
operaciebis ganxorcielebis<br />
SesaZleblobas) 10-dan 30 laramdea,<br />
momsaxurebis Rirebuleba kvartalurad<br />
5 lari Rirs rogorc sruli,<br />
ise standartuli paketis SemTxveva-<br />
Si. iuridiuli pirebisTvis registracia<br />
20 lari Rirs, momsaxurebis Rirebuleba<br />
kvartalurad 10 laria.<br />
mobil banki banksa da<br />
klients Soris mobilur telefonze<br />
dafuZnebuli urTierTobis formaa.<br />
mobil banki saSualebas iZleva<br />
banki<br />
larTan mimarTebaSi myaria da bunebrivia,<br />
evroSi anabris gaxsna mimzidvelia.<br />
Tumca evrozonaSi inflacia<br />
mZvinvarebs, amasTanave evropuli<br />
saqoneli Zalian Zviria evros<br />
kursis gamo, is ukve wam<strong>ge</strong>biani<br />
savaWro partnioria importis TvalsazrisiT<br />
da yvela cdilobs is sxva<br />
bazriT Caanacvlos, aman ki savsebiT<br />
SesaZlebelia evropis ekonomikis<br />
Seneleba gamoiwvios da Sesabamisad,<br />
evros kursis vardna dolarTan mimarTebaSi.<br />
daviT narmania `miuxedavad<br />
inflaciis maRali maCveneblisa,<br />
evro-larTan mimarTebis mniSvnelovani<br />
cvlilebebi uaxloes momavalSi<br />
ar aris mosalodneli, amitomac<br />
vfiqrob, rom saqarTvelo-<br />
Si evroebSi gaxsnili anabrebis moculoba<br />
momavalSi kidev ufro<br />
gaizrdeba.~ danazogis gakeTebisas<br />
msoflio ekonomikaSi mimdinare movlenebis<br />
garda, umTavresia inflaciis<br />
maCveneblis gaTvaliswineba.<br />
saqarTvelos statistikis departamentis<br />
monacemebiT dResdReobiT<br />
inflacia mxolod 12.8%ia, Tumca<br />
eqspertebi gacilebiT maRal<br />
maCveneblebze saubroben. maRal inflaciaze<br />
bankebis mier kreditebis<br />
saprocento ganakveTebis uprecedento<br />
37%mde zrdac miuTiTebs. amis<br />
sapirispirod depozitebze wliuri<br />
ganakveTebi mxolod 1315 %is farglebSi<br />
meryeobs. daviT narmania<br />
`mimdinare etapze danazo<strong>ge</strong>bis gakeTeba<br />
mainc evroSia mizanSewonili,<br />
Tumca bankebis mier gadaxdili<br />
klientma informacia miiRos mis angariSebze<br />
arsebuli mdgomareobis,<br />
sesxis dafarvis TariRis da oficialuri<br />
kursebis Sesaxeb, aseve ganaxorcielos<br />
sxvadasxva saxis tranzaqciebi,<br />
gadaixados komunaluri da sakomunikacio<br />
gadasaxadebi., moaxdinos<br />
dakarguli plastikuri baraTis<br />
blokireba, sxvisi telefonis balansis<br />
Sevseba da a.S. mobil bankiT mom-<br />
procenti gacilebiT naklebia realuri<br />
inflaciis maCvenebelze, amitomac<br />
Senaxuli fuli anabris va-<br />
saxurebas momxmarebels bevri banki<br />
sTavazobs, registracia ufasoa,<br />
servisiT sar<strong>ge</strong>bloba erTi Tvis man-<br />
Zilze 0.5 lari Rirs, an ufasoa da<br />
mxolod garkveuli operaciebi, magaliTad<br />
komunaluri gadaricxvebi<br />
Rirs 0.5 lari. am servisiT sar<strong>ge</strong>blobisaTvis<br />
aucilebelia mobilur<br />
11<br />
dis gasvlis Semdeg gacilebiT naklebmsyidvelobiTunariani<br />
iqneba,<br />
vidre Tanxis Senaxvis momentSi.~<br />
internet bankingi;<br />
mobil banki;<br />
telefon banki;<br />
banki-klienti<br />
telefonSi gaaqtiurebuli RS funqcia.<br />
amitom gasaTvaliswinebelia mobiluri<br />
operatoris mier internetiT<br />
sar<strong>ge</strong>blobisaTvis dawesebuli tarifebic.<br />
am servisisT sar<strong>ge</strong>blobis dros<br />
momxmarebeli mobiluri telefonidan<br />
bankis Sesabamis saitze Sedis da sasulvel<br />
operacias axorcielebs. xolo<br />
zogierT bankSi amisTvis saWiroa<br />
Setyobinebis saxiT gagzavnos Sesabamisi<br />
teqsti `magTikomisa~ da `jeoselis~<br />
specialur nomrebze. am programiT<br />
aseve SesaZlebelia momxmarebelma<br />
SeiZinos `magTikomisa~ da `jeoselis~<br />
salaparako dro specialur<br />
nomrebze Sesabamisi teqstis gagzavnis<br />
Sedegad. am SemTxvevaSi mobil<br />
bankisa da sms bankis erTmaneTisgan<br />
gamijvna Znelia. baraTis saSualebiT<br />
ganxorcielebuli yvela operaciis<br />
Sesaxeb Setyobineba igzavneba mobilur<br />
telefonze, rac sabaraTe angariSis<br />
mudmivad kontrolis mosaxerxebeli<br />
saSualebaa.<br />
telefon banki saSualebas iZleva<br />
momxmarebelma tranzaqciebi telefonis<br />
meSveobiT ganaxorcielos, aseve<br />
TavisTvis saintereso sabanko infor-<br />
macia miiRos valutis kursebis, piradi<br />
angariSebis, anabrebze daricxuli<br />
procentis, sesxis grafikis da<br />
sxv. Sesaxeb. klients SeuZlia Sesabamis<br />
telefonis nomerze darekos,<br />
moaxdinos rogorc erovnuli, ise<br />
ucxouri valutis gadaricxva, erTi<br />
angariSidan meoreze Tanxis gadatana,<br />
sesxis dafarva, nebismieri tipis plastikuri<br />
baraTis SekveTa, komunaluri<br />
gadasaxadebis gadaxda. yvela bankSi<br />
telefon bankiT sar<strong>ge</strong>bloba ufasoa,<br />
xolo ganxorcielebul operaciebze<br />
bankis tarifebi Cveulebriv vrceldeba.<br />
bankiklienti mosaxerxebeli da<br />
martivi kompiuteruli programaa,<br />
mravali funqciiTa da servisiT internet<br />
bankingTan SedarebiT. am programis<br />
meSveobiT SesaZlebelia gadaricxvebis<br />
ganxorcieleba msoflios<br />
nebismier qveyanaSi, inkasaciaze moTxovnis<br />
gagzavna bankSi, angariSebis naS-<br />
Tebis, brunvebis, nebismieri periodis<br />
amonaweris da nebismieri operaciis<br />
sabuTis naxva. aseTi funqciebis gamo<br />
igi ZiriTadad iuridiuli pirebisTvisaa<br />
gankuTvnili. am programis<br />
qarTuli versiis instalacias bankebi<br />
30 laridan 50 laris farglebSi<br />
sTavazoben, yovelTviuri momsaxurebis<br />
tarifi erTi momxareblisTvis 10<br />
laridan 30 laramde Rirs, damatebiTi<br />
momxmareblisTvis ki 5 laridan<br />
20 laramde.<br />
gverdi gverdi moamzada<br />
moamzada<br />
moamzadaG<br />
moamzada<br />
gvanca vanca vanca sixaruliZe<br />
sixaruliZe<br />
sixaruliZe
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