i z o l d a W i l a Z e
i z o l d a W i l a Z e
i z o l d a W i l a Z e
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umaRles rangis xelmZRvanelobaSi igulisxmebian is<br />
pirovnebebi, maT Soris nebismieri direqtori (aRmasrulebeli<br />
an sxva funqciis Semsrulebeli),romlebsac pirdapir an arapirdapir<br />
aqvT miniWebuli sawarmos saqmianobis dagegmvis, marTvisa<br />
da kontrolisaTvis aucilebeli uflebamosileba da pasuxismgebloba.<br />
mniSvnelovani gavlena _ aris sawarmos finansuri da sawarmoo<br />
politikis gadawyvetilebebis miRebaSi monawileoba, aRniSnul<br />
politikaze kontrolis gareSe. mniSvnelovani gavlenis<br />
miRweva SesaZlebelia sawarmos wilis flobiT wesdebiT an Se-<br />
Tanxmebis Tanaxmad.<br />
standartSi agreTve ganmartebulia, rodis ar CaiTvleba mxareebi<br />
dakavSirebul mxareebad.<br />
saTavo da Svilobil sawarmos Soris urTierToba finansur<br />
angariSgebaSi unda gamJRavndes, miuxedavad imisa, ganxorcielda<br />
Tu ara am dakavSirebul mxareebs Soris sameurneo operaciebi.<br />
angariSvaldebuli sawarmo acxadebs misi saTavo sawarmos<br />
da, Tu gansxvavebulia, saboloo makontrolebeli mxaris saxelebs.<br />
Tu arc saTavo sawarmo da arc makontrolebeli mxare gamosaqveyneblad<br />
ar amzadebs finansur angariSgebas, maSin Semdegi<br />
yvelaze zemdgomi rangis saTavo sawarmos saxelwodeba unda<br />
iqnes naCvenebi, romelic aqveynebs finansur angariSgebas.<br />
roca arc saTavo da arc saboloo makontrolebeli sawarmo<br />
ar aqveynebs finansur angariSgebas, sawarmo asaxelebs Semdeg<br />
yvelaze zemdgomi rangis saTavo sawarmos, romelic aqveynebs<br />
sakuTar angariSgebas. Semdegi yvelaze zemdgomi rangis saTavo<br />
sawarmo aris pirveli saTavo sawarmo jgufSi, angariSvaldebuli<br />
sawarmos uSualo saTavo sawarmos zemdgomi, romelic aqveynebs<br />
konsolidirebul finansur angariSgebas.<br />
ganmartebiTi SeniSvnebi sul cota unda moicavdes:<br />
sameurneo operaciebis moculobas, daufaravi naSTebis moculobas<br />
da maTTan dakavSiRebuli saeWvo valebis anaricxebis sidides<br />
_ saTao, mekavSire, Svilobili, angariSvaldebuli sawarmosa<br />
da sxva dakavSirebuli mxareebis mixedviT calkcalke.<br />
bass 26 _ sapensio uzrunvelyofis programebis buRaltruli<br />
aRricxva da angariSgeba _ ganixilavs sapensio<br />
programas, rogorc angariSgebis erTeul, gancalkevebuls<br />
programaSi monawile damqiravebelTagan. igi sapensio uzrunvelyofis<br />
programis buRaltrul aRricxvasa da angariSgebas<br />
ganixilavs mis yvela monawilesTan, rogorc erT mTlian<br />
jgufTan mimarTebaSi. standarti ar exeba programis TiToeuli<br />
monawilis angariSgebas,es standarti avsebs bass 19s _ `daqiravebul<br />
momuSaveTa gasamrjeloebi~.<br />
sapensio uzrunvelyofis iseTi programebi, romlis aqtivebi<br />
finansdeba sadazRvevo kompaniebis mier, eqvemdebareba buRaltruli<br />
aRricxvisa da dafinansebis iseTive moTxovnebs, rogorc<br />
is programebi, romlebic finansdeba kerZo biznesis mier.<br />
Sesabamisad, mocemuli standarti amgvar programebsac exeba..<br />
mocemuli standarti ar exeba muSakTa daxmarebis sxva<br />
formebs, rogoricaa muSakTa daxmareba samsaxuridan ganTavisuflebasTan<br />
dakavSirebiT, xelSekruleba gadavadebul kompensaciaze,<br />
Semweoba welTa namsaxurebisaTvis, sapensiod naadrevad<br />
ganTavisuflebis an momuSaveTa Semcirebis programebi,<br />
samedicino, socialuri an sapremio programebi. standarti ar<br />
vrceldeba agreTve socialuri uzrunvelyofis saxelmwifo<br />
RonisZiebebze.<br />
winamdebare standartSi gamoyenebul cnebebs aqvs Semdegi<br />
mniSvneloba:<br />
sapensio uzrunvelyofis programa aris SeTanxmeba, romlis<br />
Tanaxmad sawarmo uzrunvelyofs Tavis muSakTa daxmarebas<br />
samsaxuris damTavrebisTanave an samsaxuris Sewyvetis Semdeg<br />
(yovelwliuri Semosavlis an erTjeradi daxmarebis saxiT).<br />
rodesac aseTi daxmarebebi, iseve rogorc Senatanebi programaSi,<br />
SeiZleba ganisazRvros an gamoiTvalos winaswar, pensiaze<br />
gasvlamde, rogorc warmodgenili dokumentebis, ise sawarmoSi<br />
damkvidrebuli praqtikis safuZvelze.<br />
dadgenil Senataniani programa aris sapensio uzrunvelyofis<br />
programa, romlis Tanaxmadac gacemas daqvemdebarebuli<br />
gasacemi sapensio Tanxebi ganisazRvreba sapensio fond-<br />
Si Senatanebis da am investiciebidan miRebuli Semosavlebis<br />
safuZvelze.<br />
dadgenil gadasaxdeliani programa aris sapensio uzrunvelyofis<br />
programa, romlis Tanaxmadac sapensio daxmarebisaTvis<br />
gasacemi Tanxebi ganisazRvreba formuliT, romelsac,<br />
Cveulebriv, safuZvlad udevs momuSaveTa mier gamomuSavebuli<br />
gasamrjelo da/an welTa namsaxuroba.<br />
dafinanseba niSnavs damqiraveblis sawarmos mier aqtivebis<br />
gadacemas ekonomikuri erTeulisaTvis (fondisaTvis), sawarmos<br />
sapensio uzrunvelyofis momavali valdebulebebis Sesrulebis<br />
mizniT.<br />
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