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

94 | P a g eXIX saukunis 50-iani wlebidan qveynis Semdgomi ganviTareba moiTxovda ufromoqnil sakredito organizacias. 1849 wlidan saqarTvelos (Tbilisi) “prikazi”amierkavkasiis “prikazad” gardaiqmna, rac Semnaxveli salaroebisa da bankebisyvela funqcias asrulebda. “prikazi” meanabreebs sargebels wliur 4%-s uxdida.garda imisa, rom “prikazi” vaWrobisa da mrewvelobis ganviTarebas emsaxureboda,igi Tbilisisa da quTaisis guberniebSi ipoTekuri dakreditebis umniSvnelovanesiorganizaciac iyo. 1890-ian wlebSi Tavadaznaurobis mTeli adgil-mamulebismeoTxedze meti “prikazSi” iyo dagiravebuli.reformis Semdgom periodSi aucilebeli gaxda feodaluri “prikazis” nacvladkapitaluri sakredito dawesebulebis Seqmna. 1866 wels TbilisSi gaixsna ruseTissaxelmwifo bankis Tbilisis kantora.TbilisSi komerciuli kreditis mowesrigebis sakiTxi XIX saukunis 30-ian wlebSiwamoiWra, magram Tbilisis komerciuli banki (Tkb) mxolod 1871 wels Seiqmna. igiawarmoebda rusuli da ucxouri Tamasuqebis diskonts da rediskonts, gascemdavadian sesxebs, asrulebda ruseTisa da ucxoeTis bazrebze saxelmwifoqaRaldebis, aqciebis, obligaciebis, kuponebis mixedviT fulis miRebis davalebas,yidda da yidulobda Zvirfass liTonebs zodebisa da monetebis saxiT, Rebulobdavadian da uvado anabrebs, procentian qaRaldebs da sxva faseulobebs. Tbilisiskomerciul banks ganyofilebebi hqonda baTumSi (gaixsna 1810 wels), baqoSi (gaixsna1886 wels) da erevanSi (gaixsna 1895 wels). igi aqtiurad monawileobdamrewvelobaSi (prioritetulad navTobis), yidulobda miwebsa da qonebas. am bankisaqciebi iyideboda TbilisSi, moskovsa da peterburgSi.amave dros saxelmwifos iniciativiT daarsebuli saadgilmamulo bankebicmoqmedebda Tbilissa da quTaisSi.Tbilisis saadgilmamulo banki daarsda 1875 wels, romlis damfuZnebladacmiiCneva ilia WavWavaZe. saadgilmamulo bankSi miwebi ideboda giraod, amave drosTavadebs gaecemodaT garkveuli Tanxa, xolo naymev glexebs ki sesxad eZleodamiwis gamosyidvis safasuri, rac Tavidan acilebda glexobas miwisagangamowyvetas, ganapirobebda sasoflo-sameurneo ekonomikuri dargis SenarCunebas daxels uSlida glexebis migracias.