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 />
Seikavon Tavi; Tumca gamoricxuli araa, romelimem<br />
arc Seikavos, vinaidan kanonmdeblobiT ar ikrZaleba<br />
am monacemTa bazaSi moxvedril pirovnebaze sesxis<br />
gacema. 2009 wlis Tebervlis Sua ricxvebisTvis<br />
729 000 Canaweri iyo mimdinare da dafaruli sesxebis<br />
bazaSi da 147 000 _ vadagadacilebul da sasamarTlo<br />
<strong>info</strong>rmaciebis Sesaxeb <strong>info</strong>rmaciaTa bazaSi.<br />
aris aseve monitoringis servisi, romliTac<br />
klientebi aregistrireben TavianT msesxeblebs am<br />
monitoringis siaSi da Tu am siaSi daregistrirebuli<br />
romelime klienti moxvdeba <strong>vadagadacilebuli</strong> sesxebis<br />
bazaSi, klient banks avtomaturad miuva Setyobineba<br />
amis Sesaxeb.<br />
`kredit<strong>info</strong>s~ meSveobiT SesaZlebelia agreTve<br />
saerTaSoriso monacemTa bazis gamoyeneba. es aris<br />
monacemTa baza `kredit<strong>info</strong>s~ partniori amerikuli<br />
kompaniisa, romelsac msoflioSi 100 mln-ze met<br />
kompaniaze aqvs monacemebi. SekveTebi miiReba rogorc<br />
kerZo pirebisgan, aseve kompaniebisgan. magram es ar<br />
aris sakredito biuros ZiriTadi saqmianoba. am<br />
saqmianobiT SeiZleba dakavdes nebismieri iuridiuli<br />
Tu fizikuri piri. amerikul kompaniasTan urTierTobis<br />
am serviss saqarTveloSi ramdenime kompania (ZiriTadad<br />
sakonsaltingo) awarmoebs. `kredit<strong>info</strong>s~ masTan<br />
eqskluziuri kontraqti ara aqvs.<br />
ratom aRmoCndnen bankebi aseT<br />
mdgomareobaSi da vin raSi xedavs<br />
gamosavals<br />
rogorc profesori lado papava SeniSnavs, Cven<br />
Tvali unda gavusworoT simarTles, rom qveyanaSi<br />
aris krizisi. krizisi finansuri seqtoridan daiwyo<br />
da Semdeg mTel ekonomikaze gadavida; CvenTan safinanso<br />
bazrebi didad ganviTarebuli ar aris, amitom krizisi,<br />
uwinares yovlisa, sabanko seqtorTan mimarTebaSi<br />
gamoixata, radganac bankebis mier gacemuli kreditebis<br />
amoReba dRes garTulebulia. garTulebulia imis<br />
gamo, rom krizisul viTarebaSi adamianebi samsaxurebs<br />
kargaven; ara aqvT is Semosavali, rom bankidan aRebuli<br />
vali dafaron da amitom gadaxdisuunaroni arian;<br />
xolo bankebi iZulebulebi arian kuTvnili Tanxebi<br />
am adamianebidan iZulebis wesiT amoiRon.<br />
papavas azriT, sesxebis `gaSvebaSi~ bankebma<br />
princi puli Secdoma dauSves, radgan hqondaT cota<br />
gazviadebuli molodini, rom yvelaferi kargad<br />
iqneboda. amas qveyanaSi arsebuli `piaric~ xels<br />
uwyobda. bankebs ar aRmoaCndaT is profesionalizmi,<br />
romelic aseT viTarebaSia saWiro. saerTod, Tu<br />
gadavxedavT, CvenTan mTeli biznesi sakuTar Tavze<br />
aris orientirebuli; anu yvelgan miaCniaT, rom<br />
yvelaferi yvelaze ukeT TviTon ician da TviTon<br />
erkvevian. arada, sinamdvileSi maT codna ar hyofniT,<br />
realuri mdgomareobis Sefaseba ar SeuZliaT.<br />
lado papava Segvaxsenebs, rom bankebi iaf sesxebs<br />
iRebdnen evropuli bazrebidan, sadac aseTi sesxebi<br />
sakmaod didi odenobiT iyo da anTavsebdnen<br />
saqarTvelos ekonomikaSi, ZiriTadad samSeneblo<br />
seqtorsa da agreTve samomxmareblo seqtorSi.<br />
samomxmareblo kreditebi isev importis<br />
dasafinanseblad midioda. ra Tqma unda, es sakredito<br />
resursi ar iyo saqarTvelos ekonomikaSi Seqmnili,<br />
xolo bankebis mier Seqmnili saxsrebi, gansakuTrebiT<br />
samomxmareblo kreditebze, xels ar uwyobda<br />
saqarTvelos ekonomikis ganviTarebas. adre Tu gvian,<br />
es unda `afeTqebuliyo~. `afeTqeba~ gansakuTrebiT<br />
gaamwvava da daaCqara globalurma finansurma krizisma,<br />
radganac am SemTxvevaSi aRmoCnda, rom Turme es iafi<br />
sakredito resursi evropis bazrebze ukve aRar<br />
aris xelmisawvdomi da bankebs aRar SeuZliaT kvlav<br />
gascen iafi resursi, adamianebi ki ukve ise advilad<br />
veRar Souloben samsaxurs, aRar aqvT is Semosavali.<br />
SegaxsenebT aseT meqanizmsac, rodesac adamiani ama Tu<br />
im bankSi samuSaod ahyavdaT, iqve sTavazobdnen, rom<br />
TviTonve gaeformebina sesxi. Semdeg es xalxi<br />
samsaxuridan rom gauSves, bunebrivia, gadaxdisuunaro<br />
darCa. anu bankebma sakredito politikaSi Tavidanve<br />
seriozuli Secdoma dauSves. magram dRes rasac isini<br />
akeTeben, aris absoluturad swori, vinaidan winaaRmdeg<br />
SemTxvevaSi bankebi gakotrdebian, bankebis gakotreba<br />
ki gamoiwvevs mTeli Cveni ekonomikis da mTeli Cveni<br />
sazogadoebis gakotrebas, maT Soris imaTisac, visac<br />
aranairi sesxi ar auRia. amitom es didi gakveTili<br />
unda gaxdes yvelasaTvis, Cveni moqalaqeebisaTvis,<br />
romlebic brmad iRebdnen bankebidan sesxebs da Cveni<br />
bankebisaTvis, rom ufro metad frTxilni iyvnen da<br />
ufro meti gaTvlebi awarmoon, Tu sad, romel seqtorSi<br />
unda ganaTavson TavianTi kreditebi, Tundac es<br />
sakredito resursi advilad da iafad mopovebadi<br />
iyos.<br />
`bankebs am Secdomaze ar miuTiTa misma<br />
maregulirebelma da zedamxedvelma imitom, rom manac<br />
ver gaarTva Tavi. praqtikulad Cven gvaqvs<br />
demoralizebuli erovnuli banki; mas 17 Tve ara<br />
hyavda prezidenti. amitom nu gagvikvirdeba, xdeba is,<br />
rac unda momxdariyo! cxadia bankebi valebs srulad<br />
ver amoiReben, magram maqsimalurad, risi amoRebac<br />
SesaZlebelia, unda amoiRon. da am SemTxvevaSi laparaki<br />
maT arahumanurobaze arasworia. ubralod, Tu isini<br />
amas ar gaakeTeben, ekonomikaSi Zalian cudi mdgomareoba<br />
iqneba. adamianebmac unda iswavlon, cota meti goniereba<br />
gamoiCinon, rom aseT sesxebze ar daxarbdnen da<br />
momavalSi maTi aReba ar daiwyon~, - daaskvnis papava.<br />
erovnuli bankis eqs-prezidenti nodar javaxiSvili<br />
gvaxsenebs imas, rasac igi bolo wlebis ganmavlobaSi<br />
gamudmebiT irwmuneboda, rom bankebi am mdgomareobaSi<br />
Cavardebodnen, vinaidan saqarTveloSi TandaTanobiT<br />
knindeboda erovnuli bankis, rogorc centraluri<br />
bankis da bankebis zedamxedvelobis funqciis<br />
matarebeli organos mniSvneloba. erovnuli bankis<br />
erT-erTi ZiriTadi daniSnulebis mospobam ganapiroba<br />
bankebis TavaSvebuli msvleloba, arauzrunvelyofil<br />
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