socialuri uzrunvelyofis sistema saqarTvelosa da msoflios zogierT ...
socialuri uzrunvelyofis sistema saqarTvelosa da msoflios zogierT ...
socialuri uzrunvelyofis sistema saqarTvelosa da msoflios zogierT ...
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ukiduresad Raribebisagan gansxvavebiT, Raribi Sinameurneobebi ufro isargeblebensaxelmwifo <strong>da</strong>saqmebis samsaxurebis momsaxurebiT, ekonomikurad aqtiuri wevrebissimravlis gamo. ara-Raribi, magram mowyvladi mosaxleoba ar Rebulobs araviTarspecialur <strong>da</strong>xmarebas saxelmwifosagan, magram sargeblobs im <strong>socialuri</strong>servisebiT (saWiroebis Sesabamisad), romelic amcirebs maT mowyvladobas riskebismimarT.ori saxis riski: moxucebulobasa <strong>da</strong> jan<strong>da</strong>cvasTan <strong>da</strong>kavSirebuli xarjebi mTlianad<strong>da</strong>finansebulia sakuTari saxsrebiT an araformaluri institutebis mier.mowyvladi (magram ara-Raribebi) mosaxleoba TviTon iZens samedicino momsaxurebisstan<strong>da</strong>rtul pakets. siberis riskis marTvisaTvis mosaxleobis am fenas gaaCniaramodenime varianti: maT SeuZliaT sargebeli fondirebuli sapensio sqemebi<strong>da</strong>n;SeuZliaT <strong>da</strong>nazogebis xarjvis <strong>da</strong>wyeba, sacxovrebeli xarjebis <strong>da</strong>farvadividendebis meSveobiT, uZravi qonebis qiriT <strong>da</strong> <strong>da</strong>xmarebiT axalgazr<strong>da</strong> ojaxiswevrebisagan (Svilebi <strong>da</strong> SviliSvilebi).SeZlebul mosaxleobas (mosaxleobis 15%) unari Seswevs yvela riski TviTonmarTos. isini saxelmwifosagan miiReben mxolod universalur sargebels.11.2. siberis riskiarsebuli fiqsirebuli pensia ar un<strong>da</strong> CaiTvalos riskis samarTav instrumentad,Secvlis Zalian <strong>da</strong>bali koeficientis gamo (saarsebo minimumis 20%). igi mxoloderT mizans emsaxureba: xan<strong>da</strong>zmulobis SemTxvevaSi siRatakeSi ga<strong>da</strong>vardnis riskisSemsubuqeba.siberis riskis marTva un<strong>da</strong> xorcieldebodes im proncipiT, rom sapensio asakismiRwevis Semdeg Semosavli Canacvlebis koeficienti iyos aranakleb 60%-isa.prioriteti un<strong>da</strong> mieniWos fondirebuli sapeniso sisitemis farTod <strong>da</strong>nergvas.saxelmwifom un<strong>da</strong> gansazRvros is regulatoruli baza, romelic saWiroa amsistemis amuSavebisaTvis <strong>da</strong> saga<strong>da</strong>saxado stimulebiT xeli Seuwyos mis <strong>da</strong>nergvas.108
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