msesxebelTa vadagadacilebuli valebis dafarvis ... - Papava.info
msesxebelTa vadagadacilebuli valebis dafarvis ... - Papava.info
msesxebelTa vadagadacilebuli valebis dafarvis ... - Papava.info
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#2(110), 2009 auditi, aRricxva, finansebi<br />
saqmianobis Sesaxeb~ kanonis me-17 muxlis me-2 punqtis<br />
Tanaxmad, `cnobebi fizikuri da iuridiuli pirebis<br />
angariSebis, am angariSebidan ganxorcielebuli<br />
operaciebisa da angariSebze arsebuli naSTebis Sesaxeb<br />
SeiZleba mieces Sesabamisi angariSebis mflobelebs<br />
da maT warmomadgenlebs, agreTve kanonmdeblobiT<br />
gaTvaliswinebul SemTxvevebSi saqarTvelos finansuri<br />
monitoringis samsaxurs. sxva pirebs es <strong>info</strong>rmacia<br />
miecema mxolod sasamarTlos Sesabamisi aqtis<br />
safuZvelze~. raki klientis nebarTva aqvs, banks<br />
kanondarRvevaSi veRar Seedavebi.<br />
SesaZloa banks Tanxis iZulebiT amoRebac mouxdes,<br />
risTvisac, cxadia, xelSekrulebaSi specialuri piroba<br />
ideba imis mixedviT, Tu ra mizniTaa sesxi aRebuli.<br />
magaliTad, Tu sesxi studenturia, xelSekrulebaSi<br />
aRniSnulia: `sesxis daufaravobis, an msesxeblis mier<br />
xelSekrulebiT gaTvaliswinebuli sxva<br />
valdebulebebis Seusruleblobis SemTxvevaSi, aseve<br />
im SemTxvevaSi, Tu banks gauCnda safuZvliani eWvi,<br />
rom sesxi ar iqneba srulad dafaruli an/da ar<br />
iqneba dafaruli droulad, kanoniTa da am<br />
xelSekrulebiT miniWebul sxva uflebebTan erTad<br />
banki uflebamosilia msesxebels mosTxovos, xolo<br />
aseT SemTxvevaSi msesxebeli valdebulia bankis<br />
sasargeblod ipoTekiT datvirTos da/an daagiravos<br />
mis sakuTrebaSi ricxuli uZravi da/an moZravi qoneba<br />
da miaqcios iZulebiT realizaciaze kanoniT dadgenili<br />
wesiT. amgvari realizaciis Sedegad miRebuli amonagebi<br />
TanxiT dafaruli iqneba realizaciis xarjebi da<br />
bankis moTxovnebi, xolo darCenili Tanxa, aseTis<br />
arsebobis SemTxvevaSi gadaecema msesxebels~. Tuki<br />
sesxi nivTis ganvadebiT SeZenas emsaxureba, maSin:<br />
`kreditis daufaravobis, an msesxeblis mier<br />
xelSekrulebiT gaTvaliswinebuli sxva valdebulebis<br />
Seusruleblobis SemTxvevaSi, kanoniTa da am<br />
xelSekrulebiT miniWebul sxva uflebebTan erTad,<br />
banki uflebamosilia da msesxebeli Tanaxmaa, bankma<br />
misi moTxovnebi daikmayofilos rogorc kreditiT<br />
SeZenili nivT(eb)iT, aseve msesxeblis nebismieri sxva<br />
qonebiT, daayadaRos amgvari qoneba da miaqcios iZulebiT<br />
realizaciaze kanoniT dadgenili wesiT. bankis<br />
moTxovnis SemTxvevaSi msesxebeli valdebulia<br />
dauyovnebliv gadasces mas kreditiT SeZenili<br />
nivT(eb)i sarealizaciod. amgvari realizaciis<br />
SemTxvevaSi, amonagebi TanxiT daifareba realizaciis<br />
xarjebi da bankis moTxovnebi, xolo narCeni Tanxa<br />
daubrundeba msesxebels. im SemTxvevaSi, Tu<br />
uzrunvelyofis sagnis realizaciiT miRebuli Tanxa<br />
srulad ar faravs bankis moTxovnas, banki<br />
uflebamosilia aRsruleba miaqcios msesxeblis sxva<br />
qonebas moTxovnis srulad dakmayofilebis mizniT~.<br />
vfiqrobT, interesmoklebuli ar unda iyos is<br />
faqti, rom maSin, roca fors-maJorul viTarebaze<br />
sasesxo xelSekrulebebSi araferia naTqvami, bankebs<br />
misi gaTvaliswineba ar gamorCaT anabrebis<br />
xelSekrulebebSi, kerZod: `fors-maJoruli<br />
movlenebisas mxareTa valdebulebebis Sesruleba<br />
gadaideba maT likvidaciebamde. aseTi movlenebia:<br />
stiqiuri ubedureba; omebi, teraqtebi, samxedro<br />
gadatrialebebi; xangrZlivi SeiaraRebuli<br />
konfliqtebi, blokadebi, energosistemis an<br />
kavSirgabmulobis obieqtebis xangrZlivi paralizeba<br />
da sxva dauZleveli Zalebi; agreTve xelisuflebis<br />
organoebis mier iseTi aqtebis miReba, romlebic<br />
SeuZlebels xdis mxareebis mier xelSekrulebiT<br />
nakisri valdebulebebis ganxorcielebas~.<br />
yovel bankSi arsebobs problemuri sesxebis<br />
departamenti, romelic swored aseTi sesxebis<br />
amoRebaze muSaobs. magram davalianebaTa simravlis<br />
gamo es struqturebi saqmeebs veRar audian da bankebic<br />
Sesabamis xelSekrulebebs aformeben kerZo firmebTan,<br />
Sps-ebTan, romlebSic iuristebi da sabanko saqmis<br />
specialistebi muSaoben. samoqalaqo kodeqsis erTerTi<br />
muxli banks uflebas aZlevs, moaxdinos Tavisi<br />
im uflebis delegireba, rom axla ukve aRniSnulma<br />
kerZo firmam gaafrTxilos e.w. `urCi gadamxdeli~<br />
SesaZlo Sedegebis Sesaxeb. martivad Tu vityviT, es<br />
firma msesxebelze fsiqologiur zewolas axdens,<br />
rac rig SemTxvevebSi bankis sasargeblod sruldeba.<br />
bunebrivia, amoRebuli Tanxis garkveuli procenti<br />
Sps-s rCeba. magram Tuki Sps-s zewoliTac araferi<br />
gamodis, mere ukve banki sasamarTlos mimarTavs, rac<br />
gacilebiT ufro rTuli gzaa da met drosac moiTxovs.<br />
valis dabrunebis uunaroTa Soris mravladaa, vinc<br />
jer samsaxuri dakarga da axla, bankTan warmoqmnili<br />
problemis gamo, binisa Tu sxva qonebis dakargvis<br />
realuri safrTxis winaSe dadga. gansakuTrebiT mZime<br />
realobaSi aRmoCndnen is msesxeblebi, romlebmac<br />
agvistos omis Sedegad ara mxolod samuSao adgilebi,<br />
saxl-kari da yovelgvari sarCo-sabadebelic dakarges.<br />
isini daxmarebas xelisuflebas sTxoven da zogan<br />
aqciebsac ki marTaven, raTa xelisuflebam omis dros<br />
arsebuli mdgomareoba firs-maJorul viTarebad<br />
Seafasos da sabanko kreditebis saprocento<br />
ganakveTebi msoflio Tanamegobrobis mier agvistos<br />
omis dros dazaralebuli mosaxleobisTvis<br />
gamoyofili Tanxidan gadaixados. ramdenime opoziciuri<br />
politikuri partiac gamovida xelisuflebis mimarT<br />
moTxovniT, rom saxelmwifom gadaiweros da<br />
gaustumros bankebs im adamianebis valebi, vinc<br />
Semosavali dakarga da aRara aqvs saSualeba Tavis<br />
sesxebs moemsaxuros; amiT bankebi gajansaRdebian,<br />
bankebSi gaCndeba damatebiTi fuli da amave dros am<br />
adamianebs SeeqmnebaT SesaZlebloba, rom ifiqron<br />
TavianT samomxmareblo da ekonomikur aqtivobaze. es<br />
vali unda gadavides swored saxelmwifos winaSe<br />
valdebulebaSi, romlis gastumrebac, yovelgvari<br />
procentis gareSe, daiwyeba maSin, rodesac es adamianebi<br />
isev iqnebian gadaxdisunarianebi, roca daiwyeben<br />
saSemosavlo gadasaxadis gadaxdas.<br />
bevri Cveni moqalaqisaTvis am erTob mtkivneul<br />
Temaze komentari vTxoveT or wamyvan komerciul<br />
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