saerTaSoriso kerZo mewarmeobis centri
saerTaSoriso kerZo mewarmeobis centri
saerTaSoriso kerZo mewarmeobis centri
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GEORGIAN BUSINESS TODAY<br />
saqarTveloSi, rogorc agraruli potencialis mqone qveyanaSi, mewarmeebis didi raodenoba saqmianobas eweva<br />
agrarul seqtorSi da damatebiTi wyaroebis mozidva maTTvis sakmaod garTulebulia, rac saboloo jamSi xels uSlis<br />
aRniSnuli seqtoris ganviTarebas. bankebisa da mikrosafinanso kompaniebis umravlesoba Tavs ikavebs soflis meurneobis<br />
sferoSi sesxebis gacemisgan, rac ZiriTadaT ganpirobebulia aRniSnul seqtorSi maRali riskis arsebobiT.<br />
miuxedavad arsebuli dabrkolebebisa, qveyanaSi arsebobs saSualebebi, romliTac agrobiznesiT dakavebul pirebs<br />
SeuZliaT damatebiTi resursebis mozidva.<br />
bolo sami wlis maCveneblebis mixedviT komerciuli bankebis mTlian sakredito portfelSi, romelic bankebis<br />
saprocento Semosavlebis miRebis wyaroa, gacemuli mTliani sesxebis 53% anu 3 057 317 aTasi lari vaWrobaze gacemul<br />
sesxebze modis, wilobrivad meore adgilzea mrewvelobaze gacemuli sesxebi _ 1 065 466 aTasi lari anu 18%,<br />
mesame adgili ukavia mSeneblobaze gacemul sesxebs _ 438 844 aTasi lari anu 75 da mxolod 1% anu 56 425 aTasi<br />
lari modis soflis-meurneobaze gacemuli sesxebis wilad (aRniSnuli informacia moicavs 2005 _ 2007 wlis anvari<br />
agvistos monacembs).<br />
am monacemebidan naTlad Cans ekonomikis realuri seqtoris dakreditebis arasaxarbielo mgdomareoba. marTalia,<br />
vaWrobaSi dasaqmebulia mcire da saSualo biznesis didi nawili, magram aqve unda aRiniSnos, rom vaWrobaze gacemuli<br />
sesxebis umravlesoba ZiriTadad mza prduqciis realizacias ukavSirdeba (rogorc wesi importul saqonels), xolo<br />
iseT dargebs romelic SesaZloa saqarTvelosTvis ufro prioritetuls seqtors warmoadgendes, magaliTad soflis<br />
meurneoba masze sesxebis mxolod 1% modis, Tumca am seqtorSi dasaqmebulia mosaxleobis daaxloebiT 2/3.<br />
komerciuli bankebis mier gacemuli sesxebi dargebis mixedviT<br />
(aTasi lari) 2<br />
1 400 000<br />
1 200 000<br />
1 000 000<br />
800 000<br />
600 000<br />
400 000<br />
200 000<br />
0<br />
სოფლის<br />
მეურნეობა<br />
მრეწველობა<br />
მშენებლობა<br />
ვაჭრობა<br />
სასტუმროები<br />
და<br />
რესტორნები<br />
2005 წელი 2006 წელი 2007 წელი (იანვარი - აგვისტო)<br />
soflis meurneobaSi dafinansebis ZiriTad wyaros mainc bankebi da mikrosafinanso organizaciebi warmoadgenen.<br />
dReisaTvis arsebuli komerciuli bankebidan mxolod eqvsi maTgani da ori mikrosafinanso organizacia gascems<br />
sesxs agrobiznesis ganviTarebisTvis. gansxvavebulia TiToeuli bankisTvis sesxis miRebisTvis dasakmayofilebeli<br />
da sesxis gacemis pirobebi.<br />
komerciuli bankebis mier gasacemi agro sesxis moculoba meryeobs 50 aSS dolaridar _ 300 000 aSS dolaramde,<br />
Tumca zogierTi banks sasoflo-sameurneo saqmianobis TiToeuli tipisTvis specialurad SemuSavebuli aqvs individualuri<br />
finansuri produqtebi, romlebic iTvliswinebs vadianobas, sezonur Semosavlebsa da regionis sfecifikas.<br />
aseve gansxvavebulia sesxis gacemis vadac da igi meryeobs 1 Tvidan 10 wlamde da vadis Sesabamisad icvleba<br />
sesxis saprocento ganakveTi romelic iwyeba 15 %-dan.<br />
bankebis mixedviT aseve gansxvavebulia dasafinansebeli saqmianobis saxeebi, Tumca arsebobs gamonaklisebic.<br />
magaliTad erT-erTi bankisTvis dafinansebis nebadarTuli saqmianobebia: agrodamuSaveba, dakalibreba, SefuTva<br />
da daxariseba, sasoflo-sameurneo warmoebisTvis aucilebeli masalebis warmoeba da sxva, garda im saqmianobebisa,<br />
romelsac SesaZloa raime uaryofiTi zegavlena hqondes garemoze.<br />
zogierTi bankis maT mier gacemul sesxze adgenen jarimebsa da saSeRavTo periodebs. jarima vrceldeba yovel<br />
vadagadacilebul dReze vadagadacilebuli Tanxis 0.5%-is odenobiT, xolo rac Seexeba saSeRavaTo periods igi<br />
SesaZloa iyos 3-dan 6 Tvemde. magaliTad Tu bankma romelime mewarmes dauwesa 6 Tviani SeRavaTiani grafiki es<br />
imas niSnavs, rom mewarme 6 Tvis ganmavlobaSi gadaixdis mxolod bankis procents, xolo mosavlis aRebis Semdgom<br />
ki moxdeba ZiriTadi kapitalis dafarva.<br />
agro sesxis misaRebad mewarmem an fizikurma pirma unda Seavsos specialuri sakredito ganacxadi, romelsac Tan<br />
unda daerTos piradobis mowmobis qsero asli, xolo giravnobis arsebobis SemTavevaSi amonaweri sajaro reesatridan.<br />
zogi komerciuli banki giravnobas iTxovs mxolod 10 000 larze meti moculobis sesxis gacemaze. mas Semdeg rac<br />
mewrme srulad Seavsebs sakredito ganacxads, Semdeg bankis warmoamadgenlis mier xdeba sawarmos adgilze Semowmeba<br />
da yovelive amis Semdgom ki sesxis gacema. rac Seexeba sesxis gacemis vadebs, vinaidan bankebis mier aRniSnuli<br />
segmenti jer kidev aTvisebis procesSia, ar arsebobs mkacrad dadgenili vadebi da igi meryeobs 1-dan 5 dRemde.<br />
2 wyaro: saqarTvelos saxelmwifo statistikis departamenti da saqarTvelos erovnuli bankebi.<br />
სხვა<br />
mikrosesxebi<br />
27
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