qronika+214

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amerikaSi, germaniaSi, iaponiasa da a. S. arsebuli kompaniebi dafinansdes qarTuli fuliT. mar- Talia, saqarTvelo aqedan garkveuli drois Semdeg procentis saxiT xeirs miiRebs, magram es periodi SeiZleba iyos wlebi da saqarTvelos ekonomikas, romelsac isedac ar aqvs fufuneba, rom Tavisufali resursi hqondes, kidev ufro ar eqneba, roca es akumulirebuli Tanxa daiSleba. kidev erTi varianti SeiZleba iyos is, rom saxelmwifom gamoacxados: „saxelmwifo fasian qaRaldebSi davabandeb am fuls”, TviTon gamouSvas obligaciebi da Tavadve aiRos amaSi Tanxa. kidev, SeiZleba ara am, an momaval xelisuflebas, magram 30 wlis Semdeg, perspeqtivaSi, gamo- nino tabaRua 568 82 58 35 dagrovebiT sapensio refor- maze saubari karga xnis winaT daiwyo da sazogadoebisTvis is principic gaxda cnobili, romliTac sistema iqneba awyobili. modeli am sistemaSi CarTuli dasaqmebuli moqalaqisgan saSemosavlo gadasaxadis kvlav 20%-ian gadaxdas gulisxmobs, Tumca, amjerad, saxelmwifo sakuTar Tavze 2%-ian valde- bulebas iRebs, amas emateba dasaqmebulisa da damsaqmeblis 2- 2% da jamSi, konkretuli pirovnebis xelfasis 6% miemarTeba sapensio fondSi (romlidanac dasaqmebuli mxolod 2%-s debs). am sistemaSi CarTvis valdebuleba ekisreba yvela oficialu- rad dasaqmebul pirs, romelTa asakic 40 wlamdea, nebayoflo- biTia sistemaSi CarTva TviTdasaqmebulTaTvis da 40 wels zemoT asakis moqalaqeebisTvis. jerjerobiT gacxadebuli in- formaciiT, aRniSnul sistemaze gadasvla ar niSnavs imas, rom saxelmwifo pensia gauqmdeba da moqalaqeebi mxolod TavianT dazogil Tanxebs miiReben, Tumca saxelmwifo pensia social- uri xasiaTis iqneba da saarsebo minimums gauTanabrdeba. misi amoqmedeba momavali wlis mesame kvartlidan igegmeba. 294 69 77; qronikaqronika@gmail.com vis mixedviT, 2030 wlamde maTi raodenoba 1 milionamde gaizrdeba. Sesabamisad, maTze biujetidan gasacemi Tanxebi ise swrafad moimatebs, rogorc Tavad pensionerebis raodenoba. miT ufro, Tu Cven gvinda, rom Rirseuli pensia SevTavazoT Cvens pensioners, biujets amis SesaZlebloba ar eqneba, swored amitom, alternativa aris is, rom adamianebma jer kidev im periodSi, roca muSaoben da Sromisunarianebi arian, TviTon daagrovon TavianTi pensiisTvis garkveuli Tanxa. principi ki aris Semdegi: 2-2-2% dasaqmebuli, damsaqmebeli da xelisufleba. axla viangariSoT saSualod: vTqvaT, Tqven xarT 30 wlis dasaqmebuli welze, am dros risi ekvivalenti iqneba es 21,600 lari da risi yidva SegeZlebaT am raodenobis fuliT, rbilad rom vTqvaT, gaurkvevelia da Tu wlebis manZilze dafiqsirebul inflaciis maCvenebels SevxedavT saqarTveloSi, SeiZleba ise gamovides, rom 2048 rom am sapensio reformaSi, wesiT, pozitivi meti unda iyos, vidre negativi, Cvens SemTxvevaSi igi ver amarTlebs Tavis Tavs, radgan niuansebi, romlebic negatiuria, ufro metia, vidre pozitiuri. magaliTad, Tu davuSvaT, es fondi Seiqmna da yvela moqalaqem daiwyo masSi Tanxis Setana savaldebulo wesiT, es fondi sad waiRebs, ra mimarTulebas miscems am Tanxebs? _ ubralod rom idos, azri ar aqvs, inflacia SeWams da aranairi efeqti ar eqneba. Tu es fondi investirebas daiwyebs, sad da raSi unda gaakeTos es? _ adgilobrivi organizaciebi, sadac SeiZleba am Tanxis investireba, faqtobrivad, Cven ar gvaqvs da fasiani qaRaldebis bazari ganuviTarebelia, Sesabamisad, Tu ar gaqvs es bazari, masSi verc daabandeb. gamodis, rom pirobiTad, Google-s, Microsoft-is an sxva ucxouri kompaniebis aqciebi unda iyidon, rom garkveuli sargebeli miiRon am dagrovili Tanxidan. Sesabamisad, vaskvniT, rom rasac sapensio fondi gaa- daTvlili sibere dagrovebiTi pensiis SuqCrdilebi yvelaze saintereso am siste- maSi is aris, rom sapensio asaks miRweuli adamianebi am Tanxas gamoiyeneben, minimum, 20 da maqsimum 40 wlis Semdeg. maSin, saSualo asakis dasaqmebulisTvis, romelsac igi am dagrovebiTi sapensio sistemis meSveobiT Seagrovebs da ramdenad msy- idvelobiTunariani SeiZleba moqalaqe da Tqveni xelfasia 1000 lari. misi 2% iqneba 20 lari, saxelmwifo dagimatebT kidev 20 lars da damsaqmebelic _ 20 lars, anu jamSi TveSi 60 lari danazo- wlisTvis es dagrovili Tanxa imaze gacilebiT naklebmsyidvelobiTunariani iyos, vidre dResaa da Tan, mniSvnelovnad. garda amisa, miuxedavad imisa, keTebs, iqneba Semdegi: saqarTveloSi Segrovil danazogebs, romelic fondSia akumulirebuli, sazRvargareTis ekonomikas moaxmars, anu imas, rom, pirobiTad, rodesac saqarTveloSi 2038, an 2058 weli iqneba da msoflioSi mimdinare inflaciidan gamom- dinare, rTuli saTqmelia, Tu ra Rirebuleba da wona eqneba 20, an 40 wlis Semdeg dRevandel 100 lars, roca, jer kidev, wina wel- Tan SedarebiT, is nakleb msyid- velobiTunariania. „qronika+” dainteresda, Tu ra iqneba is miaxloebiTi Tanxa iyos igi? Temaze „qronika+~-Tan Tsu-s analizisa da prognozirebis centris xelmZRvaneli _ vaxo Waraia saubrobs: _ sapensio reforma wesiT da rigiT unda gulisxmobdes imas, rom saxelmwifo biujetze wnexi Semcirdes. Cven dRes 700 000 pensioneri gvyavs da gaeros kvle- gis saxiT sapensio fondSi gadava. weliwadSi gamova, rom 720 lars debT Tqveni pensiisTvis. radgan Tqven xarT 30 wlis, Sesabamisad, sapensio asakamde dagr- CaT kidev 30 weliwadi. gamodis, rom 30 (weliwadi) 720 (wliurad dagrovili Tanxa) = 21,600 lars. es Tanxa dReisTvis ar aris mizeruli da Zalian cudi, magram warmoidgineT, rom saubaria 2048 `vTqvaT, Tqven xarT 30 wlis dasaqmebuli moqalaqe da Tqveni xelfasia 1000 lari. misi 2% iqneba 20 lari, saxelmwifo dagimatebT kidev 20 lars da damsaqmebelic - 20 lars, anu jamSi TveSi 60 lari danazogis saxiT sapensio fondSi gadava. weliwadSi gamova, rom 720 lars debT Tqveni pensiisTvis. radgan Tqven xarT 30 wlis, Sesabamisad, sapensio asakamde dagrCaT kidev 30 weliwadi. gamodis, rom 30 (weliwadi) 720 (wliurad dagrovili Tanxa) = 21,600 lars~ 30 vaxo Waraia `SeiZleba ara am, an momaval xelisuflebas, magram 30 wlis Semdeg, perspeqtivaSi, gamoCndes xelisufleba, romelsac wascdes xeli am fondisken da es fuli imisTvis aiRos, rom ufro meti proeqti gaakeTos, meti gza daagos, skola aaSenos, anu cudi mizniT ki ar gamoiyenos, piriqiT, kargisTvis, magram rodesac am fuls mTlianad gamoiyenebs da mere pensionerebisTvis TavianTi kuTvnili Tanxis gadaxdis valdebuleba dadgeba, SeiZleba, am fondSi ukve aRar iyos adekvaturi Tanxa, rom man Tavisi valdebulebebi Seasrulos~ 30 N37 (214) 7.11-13.11.2017 w.
Cndes xelisufleba, romelsac wascdes xeli am fondisken da es fuli imisTvis aiRos, rom ufro meti proeqti gaakeTos, meti gza daagos, skola aaSenos, anu cudi mizniT ki ar gamoiyenos, piriqiT, kargisTvis, magram rodesac am fuls mTlianad gamoiyenebs da mere pensionerebisTvis Tavian- Ti kuTvnili Tanxis gadaxdis valdebuleba dadgeba, SeiZleba, am fondSi ukve aRar iyos adekvaturi Tanxa, rom man Tavisi valdebulebebi Seasrulos. anu SeiZleba romelime xelisufleba movides da am fondis Tanxa daxarjos, Semdeg igi sxva xelisuflebam Caanacvlos da man Tqvas, _ ra vqna, me xom ar damixarjavs es Tanxebio?! es ganmarteba ki pensioners arafers miscems. ar vambob, rom es yvelaferi aucileblad ase moxdeba, magram msgavsi niuansebi, romelic Sei- Zleba moxdes, Zalian bevria da es yvelaferi am fonds ar aZlevs karg elfers. riskebi imdenad bevria, rom Tu zedmiwevniT ar iqna fondi marTuli, SesaZloa, ufro meti ubedureba mogvitanos, vidre sargebeli. metic, Tu Cven im 21 600 lars davubrundebiT, romelic dasaqmebulma 30 wlis ganmavlobaSi daagrova Tavisi „uzrunvelyofili” siberisTvis, Tu man, minimum, 10 wels icocxla, weliwadSi misi pensia zustad 2160 lari iqneba, es gavyoT 12 Tveze (2160/12=180) da gamova, rom 180 lari iqneba misi yovelTviuri pensia. es Tanxa xom dResac arafers niSnavs da 30 wlis Semdeg misi msyidvelobiTi unari metad dacemuli iqneba, romc hqondes is unari, rac dRes aqvs, Tu mTeli cxovreba am TanxisTvis viwvaleT, es araferia! imis gamo, rom CvenTan dabali xelfasebia, rTulia raime mniSvnelovani Tanxis Segroveba uzrunvelyofili siberisTvis, xolo amerikaSi, magaliTad, sadac xelfasebi ase maRalia, iq es 2% SeiZleba bevr rames niSnavdes. CvenTan ki 1000-lariani xelfasic Zalian cotas aqvs. ZiriTadad, xelfasebi 500-600 lars utoldeba. miuxedavad imisa, rom qveyanaSi saSualo xelfasi 900 laria, imiTaa gamowveuli, rom visac Zalian maRali xelfasi aqvs, imaT gamoaTanabres da saSualo eg gamovida. realoba yvelam viciT! axla iangariSeT imave principiT da 500-lariani xelfasis pirobebSi. saboloo Tviuri pensia ganaxevrdeba. SeiZleba Tqva, rom pensia iqneba 500 lari, ki batono, iqneba, magram es maSin, rodesac „danazog” pensias 4 an 5 welze gadaanawileb, magis mere, roca pensioners fuli aRar darCeba, mere ra unda qnas?! _ msgavsi kiTxvebi bevria. jerjerobiT xelisufleba ambobs, rom danazogTan erTad saxelmwifo pensiac SenarCundeba, magram me, ratomRac, darwmunebuli var, rom gava garkveuli dro da gardamavali periodis Semdeg mTavroba ityvis, mosaxleoba TviTon agrovebs Tavis pensias, biujetze maTi dawola did wnexs axdens da is unda movxsnaTo. Cndeba logikuri kiTxva, _ Tu orive maTgani (saxelmwifo pensia da dagrovili) iqneba, maSin ratom avaldebuleb xalxs, rom daagrovos, Tu Sen _ saxelmwifo, isedac miscem mas am Tanxas? Tu mas avaldebuleb, es imas niSnavs, rom Sen ar ginda, es tvirTi gawves. am reformam msoflios bevr qveyanaSi gaamarTla, magram es imitom, rom adgilobrivi fasiani qaRaldebis bazari ganviTarebuli iyo, imitom rom xelfasebi iyo maRali, am fondis marTva swori gziT ganaxorcieles, magram saqarTveloSi msgavsi tipis fondis marTvis gamocdileba saerTod ar gvaqvs, amitom riskebi Zalian maRalia da miT ufro, rodesac Cveni ekonomika sustad ganvi- Tarebulia da am fondSi dagrovil Tanxas mas ver movaxmarT. gamodis, rom im fulsac ki, romelic Cveni momavlisTvis unda iyos gankuTvnili, ucxouri kompaniebis dasafinanseblad viyenebT. rom ara dagrovebiTi pensia, jerjerobiT, kacobriobas amaze ukeTesi araferi mougonia, magram is, rom sxva ukeTesi ar arsebobs, ar niSnavs, rom es aris er- TaderTi saukeTeso. es reforma, jerjerobiT, ufro met kiTxvis niSans svams, vidre pozitivis gancdas. organizaciam „sazogadoeba da bankebi” dainteresebuli pirebisTvis specialuri gamosaTvleli sistema Seqmna, sadac Tqveni xelfasis mixedviT SegiZliaT cvaloT cvladebi da miiRoT Tqveni danazogi imdeni xnis Semdeg, roca pensiaze gaxvalT da danazogis gamoyenebas daiwyebT. „qronika+”-s esaubreba organizacia „sazogadoeba da bankebis” prezidenti _ giorgi kepu- laZe: _ axal sistemaze gadasvla da dazogvis kulturis saWiroeba Cvens qveyanaSi namdvilad arsebobs da am sistemaze gadasvla, adre Tu gvian, mainc mogviwevda. wlebis Semdeg danazogis gamoTvlisas maqsimaluri sizuste rTulia, bevri cvladi arsebobs, magram miaxloebiT gamoTvla mainc SegviZlia. zogadad, odesRac Cven mainc mogviwevs am sistemaze gadasvla da rac ufro male gadavalT, Cveni qveynisTvis ukeTesia. mesmis, rom ori mxarea, romelsac sxvadasxva azri aqvs, arian ufro ultramemar- N37 (214) 7.11-13.11.2017 w. 294 69 77; qronikaqronika@gmail.com `fondiT marto pirvelsave wels 80 mln laris mobilizebaa SesaZlebeli. daaxloebiT 30 weliwadSi warmoidgineT, ramden miliardze ava! arc erTi sainvesticio fondi ar ityoda uars am kapitaliT muSobaze, amitom unda vigulisxmoT, rom es Tanxa ramdenime wliT Caideba saqmianobaSi, magram aq Cndeba yuradsaRebi faqtebi: vin gankargavs am Tanxebs? vin Seva sameTvalyureo sabWoSi da daumsaxurebeli pretenziebi xom ar gamoiTqmeba maTi arCevis dros?~ jvene da libertarianuli midgomis mqoneni, sadac miiCneven, rom saxelmwifo saerTod ar unda ereodes am sakiTxSi da adamiani TviTon rogorc gadawyvets, ise unda daagrovos Tanxebi, ar unda iyos raRac ZaldatanebiTi da savaldebulo, Tumca saqarTvelos tipis qveyanaSi, sadac, mogexsenebaT, rom dazogvis kultura Zalian dabalia, miT umetes, erovnul valutaSi dazogva naklebad xdeba, mcire zewola, Cemi azriT, mainc sWirdeba, kargi gagebiT. Sesabamisad, vfiqrob, rom kiTxvis niSnebi arsebobs, raRacebi dasaxvewia, Tumca principi, rom Cven dagrovebiT pensiaze gadavideT da 40 wlamde axalgazrdebi nel-nela daiwyeben dagrovebas TavianTi siberis- Tvis, es saWiro da aucilebelic aris. aq mniSvnelovania, Tu ra Rirebuleba eqneba Tanxas dro- Si. principSi, 30 wlis Semdeg, savaraudod, daaxloebiT, imis naxevari Rirebuleba eqneba, vidre dRes aqvs. im cxrilis mixedviT, romelic organizaciam gamoaqveyna, 1000-lariani xelfasis SemTxvevaSi, Tu dagrovebis dro aris giorgi kepulaZe soso arCvaZe kvlav 30, xolo gankargvis _ 10 weli, 6%-ian sargebelTan erTad, 30 wlis Semdeg dagrovili Tanxa 60 271 lars utoldeba, Tviuri pensia ki (kvlav saprocento sargebelTan erTad, radgan mxolod 60 271/120 (Tveebis raodenobaze 10 weliwadSi) = 502.36 (lars) 669 lari gamodis. vaxtang Waraia _ ekonomisti: _ am odenobis Tanxa namdvilad iqneboda sasiamovno pensionerebisTvis, Tumca am pensiis miReba imdeni faqtoris gamarTlebasTanaa dakavSirebuli, rom me is miuRwevlad mimaCnia da rac mTavaria, ar dagvaviwydes, rom Cven ara mxolod Tanxis moculobaze, aramed ufro metad yuradReba mis msyidvelobiT unarze unda gadavitanoT 30 wlis Semdeg. 700 lari dRes da 700 lari 30 wlis Semdeg sruliad sxva msyidvelobiTi unaris mqone iqneba. Temaze saubrisas gansxvavebul aqcentebs akeTebs ekonomisti soso arCvaZe: _ jer erTi, es sistema sulac ar niSnavs imas, rom im Tanxas, romlis dagrovebasac 40 wlamde dasaqmebuli daiwyebs, mxolod sapensio asakis miRwevisas gamoiyenebs. aq saubaria imaze, rom es Tanxa, garkveulwilad, sainvesticio datvirTvis iqneba da mas komerciuli proeqtebis gansaxorcieleblad gamoiyeneben. es mimarTuleba komerciuli iqneba, sainvesticio Tu sxva, niSnavs, rom inflaciis faqtori unda gaviTvaliswinoT, amitom pirdapir, meqaniku- rad imis Tqma, Tu ramdeni iqneba es Tanxa, arasworia. aq fondiT marto pirvelsave wels 80 mln laris mobilizebaa SesaZlebeli. daaxloebiT 30 weliwadSi warmoidgineT, ramden miliardze ava! arc erTi sainvesticio fondi ar ityoda uars am kapitaliT muSobaze, amitom unda vigulisxmoT, rom es Tanxa ramdenime wliT Caideba saqmianoba- Si, magram aq Cndeba yuradsaRebi faqtebi: vin gankargavs am Tanxebs? vin Seva sameTvalyureo sab- WoSi da daumsaxurebeli pretenziebi xom ar gamoiTqmeba maTi arCevis dros? kidev ufro mniSvnelovani sakanonmdeblo koliziaa. yvelas gvaxsovs, rogori Zalisxmeva iyo saWiro da xelisuflebis warmomadgenlebmac ki ar dauWires mxari im sakonstitucio cvlilebebs, romlis Tanaxmadac unda amoRebuliyo 94-e muxli (is, rom savaldebulo wesiT gadasaxadebis gazrda, an SemoReba, an ganakveTis gazrda SesaZlebelia mxolod referendumis saSualebiT). kidev erTi kiTxva, _ 2%- iT damqiraveblis davaldebuleba ramdenad Seesabameba im sakanonmdeblo regulirebis normas, romelic dRes moqmedebs (konstituciur da organul normas- Tan, ekonomikuri Tavisuflebis Sesaxeb)? aqedan gamodis 2 daskvna: es norma unda gauqmdes, an forma unda Seicvalos, rom sakanonmdeblo koliziebi ar ganvi- Tardes. me kompromisul variantad mesaxeboda dasaqmebulis 2% saSemosavlo gadasaxadis 20%-is farglebSi. biujetisTvis ar iqneboda zarali da SevinarCunebdiT kanonis moTxovnebsac. referendumis Catareba piradad populisturi da zedmeti mgonia. isev Temas rom davubrundeT, amJamindeli pensia 180 laris odenobiT isev ZalaSi iqneba da dagrovili pensiis saxiT, saubaria danamatze. xolo visac ar umu- Savia da ar daugrovebia, is imdens miiRebs, ramdenic socialurad saarsebo minimumTan miaxloebuli Tanxa dajamdeba. sabolood, fondSi arsebuli fuladi masa imoZravebs da mogebas moitans. `saqarTvelos tipis qveyanaSi, sadac, mogexsenebaT, rom dazogvis kultura Zalian dabalia, miT umetes, erovnul valutaSi dazogva naklebad xdeba, mcire zewola, Cemi azriT, mainc sWirdeba, kargi gagebiT. Sesabamisad, vfiqrob, rom kiTxvis niSnebi arsebobs, raRacebi dasaxvewia, Tumca principi, rom Cven dagrovebiT pensiaze gadavideT da 40 wlamde axalgazrdebi nel-nela daiwyeben dagrovebas TavianTi siberisTvis, es saWiro da aucilebelic aris. aq mniSvnelovania, Tu ra Rirebuleba eqneba Tanxas droSi~ am etapze Cven mxolod varaudi SegviZlia imisa, Tu ramdens „davzogavT” momavlisTvis da rogor waadgeba is Cvens uzrunvelyofil siberes. moutans Tu ara igi mogebas qveynis ekonomikas da ramdeni nabijiT wavwevT win qveynis keTildReobas? amas ki momavali 30 wlis perspeqtiva- Si gavigebT. P. S. SegaxsenebT, rom zemoT moyvenili cifrebi pirobiTia da masze garkveuli drois manZilze Zalian bevrma faqtorma SeiZle- ba moaxdinos gavlena. 31
Page 1 and 2: CIAN MAGENTA YALLOW BLACK 294 69 77
Page 3 and 4: 294 69 77; qronikaqronika@gmail.com
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Page 15 and 16: om, faqtobrivad, ltolvil- Ta samini
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