m i k r o m i k r o – k v l e v e b i k v l e v e b i k v l e v e b i

92 | P a g ebankebi da sakredito sistemebiSesavalimogexsenebaT, rom sabanko seqtori qveynis ekonomikuri ganvitarebis erT-erTiumniSvnelovanesi winapirobaa. da radganac sabanko seqtori saxelmwifosganviTarebaSi did rols asrulebs, metad mniSvnelovani da saWiroa misiganviTareba da xelSewyoba. sabednierod, saqarTveloSi sakmaod ganviTarebuliasabanko seqtori da TandaTanobiT kidev ufro metad viTardeba.saqarTvelos axalgazrda ekonomistTa asociaciis resurs centrSi Catardabankebisa da sakredito sistemis bazris kvleva. kvlevis mizania aRniSnuli bazrisSeswavla da arsebuli mdgomareobis Sefaseba. igi asaxavs sabanko sferoSiarsebul problemebsa da gamowvevebs. kvleva efuZneba biznesmaregulirebelikanonmdeblobis analizsa, saerTaSoriso monacemebsa da raodenobriv kvlevas,romlis farglebSic gamoikiTxa 13 sabanko dawesebuleba.kvlevis Sedegad dadginda, Tu romeli banki ra momsaxurebas sTavazobsmomxmarebels da riTi cdilobs iyos sxvisgan gansxvavebuli, romel