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294 69 77; qronikaqronika@gmail.com<br />
saxeli sazRvrebs gareT gaaqvs<br />
gresi jer kidev ar gvaqvs. albaT<br />
imitom, rom es reformebi moklevadian<br />
efeqtze iyo gaTvlili da<br />
samwuxarod, maT avtorebs ar<br />
ufiqriaT ganaTlebis sferos ufro<br />
grZelvadiani ganviTarebis<br />
perspeqtivebze. maSin, roca ganvi-<br />
Tarebuli da msoflios wamyvani<br />
qveynebis umetesoba sakuTari resursebis<br />
did nawils ganaTlebis<br />
sistemis ganviTarebasa da gaumjobesebaze<br />
mimarTavs, Sedegebidan<br />
gamomdinare, Cven am yvelafriT<br />
ver davikvexniT.<br />
ganaTlebis sistemis dabalefeqtianoba<br />
dominos principiT<br />
aisaxeba ekonomikis sxvadasxva<br />
dargsa da mTlianad saxelmwifos<br />
warmatebaze.<br />
vfiqrob, mniSvnelovania, rom<br />
moxdes saxelmwifos ganviTarebis<br />
grZelvadiani, minimum, 15-20-wliani<br />
strategiis gansazRvra, sadac<br />
wamyvani roli ganaTlebis sistemis<br />
reformirebas, codnaze dafuZnebuli<br />
da mwarmoebluri ekonomikis<br />
Camoyalibebas eqneba. saxelmwifos<br />
ganviTarebis aseTi strategiis<br />
araerTi warmatebuli modeli arsebobs<br />
ukve msoflioSi. maTi ganxorcielebisTvis<br />
ki saWiroa politikuri<br />
neba da am mimarTulebiT<br />
mniSvnelovani finansuri resursebis<br />
mobilizeba. sruliad darwmunebuli<br />
var, rom Zlieri da konkurentunariani<br />
ganaTlebis sistemis<br />
Seqmnis gareSe Cveni qveyana veranair<br />
xelSesaxeb warmatebas ver<br />
miaRwevs. arada, amis potenciali<br />
saqarTvelos namdvilad aqvs”, _<br />
ambobs axalgazrda ekonomisti.<br />
adamians, romelic mudmivad axlis<br />
Secnobisken iswrafis, Zalian<br />
uyvars is saqme, rasac akeTebs,<br />
albaT amitomac aris, rom am sferoSi<br />
warmatebulia.<br />
isedac xom SeuZlebelia adamiani<br />
warmatebuli iyos iq, sadac<br />
Tavs komfortulad ar grZnobs(!).<br />
miaCnia, rom Tavisi saqmianobiT<br />
yoveldRiurad uamrav rames swavlobs,<br />
rac Zalian mniSvnelovania<br />
misTvis, radgan jer kidev ganvi-<br />
Tarebisa da swavlis etapzea. aseT<br />
dros ki dinamikuri da mudmivad<br />
siaxleze orientirebuli saqmianoba<br />
ufro uwyobs xels misi Camoyalibebis<br />
process.<br />
axla axalgazrdobis is etapi<br />
aqvs, romelic yvela adamianisTvis<br />
gamorCeulia cxovrebaSi. bolo<br />
wlebi gansakuTrebulad dauviwyari<br />
aRmoCnda misTvis. ambobs,<br />
konkretuli mimarTulebiT codnis<br />
miRebis garda, Zalian did cxovrebiseul<br />
gamocdilebasac iRebs,<br />
rac, albaT, samomavlod mniSvnelovnad<br />
gamoadgeba. swored amitom,<br />
cxovrebis am etapisgan<br />
Zalian didi molodinebi aqvs.<br />
rac Seexeba sakuTari Tavis povnas,<br />
rogorc statiis mTavari gmi-<br />
ri ambobs, amJamindeli saqmianoba<br />
da cxovrebis stili, jer kidev,<br />
wlebis winaT zustad ase warmoedgina.<br />
skolis periodidanve icoda,<br />
Tu ra undoda, sad da ra unda<br />
ekeTebina. Tumca mainc ar miaCnia,<br />
rom cxovrebaSi sakuTari Tavi<br />
napovni aqvs. ambobs, ase rom iyos,<br />
albaT, ar viqnebodi aseTi motivirebuli<br />
da mudmivad siaxleebze<br />
orientirebulio. fiqrobs, rom<br />
adamiani mTeli cxovrebis ganmavlobaSi<br />
sakuTari Tavis ZiebaSia.<br />
mTavaria, es yvelaferi swori gziT<br />
da sainteresod warmarTos.<br />
xSirad adamianebi TavianT warumateblobas<br />
qveynis mdgomareobas<br />
abraleben, giorgi ki sxvagvarad<br />
fiqrobs:<br />
„samyaros ganviTarebasTan er-<br />
Tad SesaZleblobebis areali izrdeba,<br />
rac, ra Tqma unda, warmatebis<br />
miRwevis Sansebsac zrdis.<br />
`sxvebTan SedarebiT mgonia, rom<br />
saqarTveloSi bevri ramis miRwevaa<br />
SesaZlebeli. miuxedavad imisa, rom<br />
aq masStabebi TiTqmis yvelaferSi<br />
Zalian mcirea, saTanado mondomebis<br />
SemTxvevaSi, vfiqrob, aqac bevri<br />
ramis miRweva SeiZleba. Tumca<br />
samwuxaroa, rom bevri axalgazrda<br />
saqarTveloSic awydeba warmatebisken<br />
mimaval gzaze problemebs.<br />
gamonaklisi arc me var. umTavresi<br />
problema, albaT, nepotizmia,<br />
romelic TiTqmis yvelgan gvxvdeba<br />
da bevr axalgazrdas mniSvnelovnad<br />
abrkolebs. nepotizmis msxverpli mec<br />
vyofilvar, Tumca am drosac<br />
vcdilob, rom motivacia ar<br />
davkargo, samarTlianobisTvis da<br />
ukeTesobisTvis vibrZolo~<br />
mgonia, rom dRes yvelas bevrad<br />
meti Sansi aqvs, warmatebas miaRwios,<br />
vidre 10 an 20 wlis winaT.<br />
Tumca, amave dros, Zalian mzardia<br />
konkurencia msoflio masStabiT,<br />
aman ki rTulia, adamians modunebis<br />
saSualeba misces.<br />
msoflios sxvadasxva qveynidan<br />
uamrav axalgazrdas vicnob. xSirad<br />
vsaubrob xolme maTTan samomavlo<br />
perspeqtivebze da warmatebis<br />
miRwevis Sansebze. calsaxad<br />
mgonia, rom qveyanas, sadac cxovrob<br />
da moRvaweob, udidesi gavlena<br />
aqvs adamianis ganviTarebasa<br />
da warmatebis miRwevis Sansebze.<br />
sxvebTan SedarebiT mgonia, rom<br />
saqarTveloSi bevri ramis miRwevaa<br />
SesaZlebeli. miuxedavad imisa, rom<br />
aq masStabebi TiTqmis yvelaferSi<br />
Zalian mcirea, saTanado mondomebis<br />
SemTxvevaSi, vfiqrob, aqac bevri<br />
ramis miRweva SeiZleba.<br />
Tumca samwuxaroa, rom bevri<br />
axalgazrda saqarTveloSic awydeba<br />
warmatebisken mimaval gzaze<br />
problemebs. gamonaklisi arc me<br />
var. umTavresi problema, albaT,<br />
nepotizmia, romelic TiTqmis yvelgan<br />
gvxvdeba da bevr axalgazrdas<br />
mniSvnelovnad abrkolebs. nepotizmis<br />
msxverpli mec vyofilvar,<br />
Tumca am drosac vcdilob, rom<br />
motivacia ar davkargo, samarTlianobisTvis<br />
da ukeTesobisTvis vibrZolo”.<br />
am etapze axalgazrda, warmatebuli<br />
da motivirebuli doqtorantis<br />
ZiriTadi gegmebi akademiur<br />
ganviTarebas ukavSirdeba. fiqrobs,<br />
rom axla yvelaze mniSvnelovani<br />
doqtoris xarisxis warmatebiT<br />
dacvaa.<br />
miuxedavad imisa, rom yoveld-<br />
Riurad araerT problemas ejaxeba,<br />
ambobs, rom sakuTar cxovreba-<br />
Si arafers Secvlida da meore Sansi<br />
rom hqondes, isev saqarTvelo-<br />
Si daibadeboda. miuxedavad, imisa<br />
rom bevrs mogzaurobs da uamrav<br />
qveyanaSia namyofi, ratomRac, ver<br />
warmoudgenia sxva qveyanaSi samudamod<br />
cxovreba, miT umetes, dabadeba.<br />
epoqas rac Seexeba, XXI saukunes<br />
kacobriobis istoriaSi<br />
erT-erT yvelaze saintereso da<br />
dinamikur epoqad miiCnevs, amitom<br />
sxva wlebsa da miT ufro, gardasul<br />
epoqebSi dabadebaze arc ufiqria.<br />
kiTxvaze, Tu ra iqneba sazogadoebisadmi<br />
misi gzavnili, giorgi<br />
gvpasuxobs:<br />
„sazogadoebam, gansakuTrebiT<br />
ki axalgazrdebma, siRrmiseulad<br />
da safuZvlianad gaiazron is gamowvevebi,<br />
rac qveynisa da sazogadoebis<br />
winaSea dRes. amis gaTvaliswinebiT<br />
ki maqsimalurad unda<br />
ecadon, rom ganviTardnen da qveynis<br />
warmatebaSi wvlili Seitanon”.<br />
sad inaxeba Seni personaluri monacemi sabanko momsaxurebis Semdeg?<br />
me-15 gverdidan<br />
Semdeg ki misi siidan amoReba, rom sxva<br />
organizaciebTan SeZlos SemdegSi Tanam-<br />
Sromloba da ar Seeqmnas safrTxe sasurveli<br />
produqtis vermiRebisa.<br />
xSirad kiTxvis sagani xdeba im pirebis e.<br />
w. Sav siaSi moxvedra, romlebic Tavdebs<br />
warmoadgenen.<br />
CvenTan, rogorc wesi, formdeba solidaruli<br />
Tavdeboba, romelic gulisxmobs<br />
imas, rom roca ZiriTadi movale ar asrulebs<br />
valdebulebas, solidaruli Tavdebi<br />
valdebulia, Seasrulos igive moTxovna,<br />
rac ZiriTadi movalis mimarT arsebobs. Sesabamisad,<br />
isic xSirad xvdeba „Sav siaSi”<br />
miuxedavad imisa, rom mas Tavad ar aqvs<br />
sesxi aRebuli. amitom am nawilSi Zalian<br />
yuradRebiT unda waikiTxon moqalaqeebma<br />
xelSekrulebis pirobebi da gaacnobieron,<br />
rom maTac SeeqmnebaT SemdegSi problmebi<br />
sxvadasxva dawesebulebidan sasesxo portfelis<br />
miRebisas.<br />
_ ra xdeba im SemTxvevaSi, Tu moqalaqem<br />
sesxis aRebamde xelSekrulebis pirobebi<br />
waikiTxa da masSi iseTi ram aRmoaCina,<br />
rasac ar eTanxmeba, Sesabamisad, miiCnia,<br />
rom SemoTavazebuli pirobebi misTvis<br />
raRac nawilSi miuRebelia da misi Secv-<br />
lis TxovniT mimarTa banks?<br />
_ rogorc iciT, roca sasesxo xelSekrulebas<br />
vaformebT, es aris saxelSekrulebo<br />
piroba da msesxeblis personaluri monacemebi<br />
imaze, Tu ramdens Seadgens xelfasi,<br />
ra procentSi aqvs sesxi, misi wliuri<br />
odenoba da a. S mJRavndeba. amitom kreditors<br />
Tu ar daveTanxmebiT, rom Cveni informacia,<br />
maT Soris, saxeli gvari, maidentificirebeli<br />
monacemebi gaamJRavnos da<br />
miawodos mesame pirs, bunebrivia, aseT organizaciebs<br />
amis ufleba erTmevaT, Tumca<br />
meore sakiTxia standartuli pirobebi,<br />
roca banki an mikrosafinanso sTavazobs momxmarebels<br />
ucvleli xelSekrulebis ucvlel<br />
pirobebs.<br />
samwuxaro realobaa saqarTveloSi, rom<br />
es standartuli pirobebi da xelSekruleba<br />
ar icvleba miuxedavad momxmareblis<br />
survilisa. winaaRmdeg SemTxvevaSi, ubralod,<br />
aRar gascems banki sesxs da uars eubneba<br />
moqalaqes TanamSromlobaze, Tu mas es<br />
urTierToba ar awyobs. anu arc Sedis mas-<br />
Tan urTierTobaSi. samwuxaroa, magram moqalaqeebs<br />
imis berketi ar gaaCniaT, rom xelSekrulebis<br />
garkveuli pirobebiT dakoreqtireba<br />
moiTxovon.<br />
„kreditinfos” praqtika:<br />
msoflioSi aseTi organizaciebi rasakvirvelia,<br />
arseboben, Tumca, am SemTxevvaSi,<br />
im erTiani bazis arseboba, romelic „kreditinfos”<br />
aqvs, emsaxureba ara moqalaqeebis,<br />
aramed kreditoris interesebs, rom<br />
gadaamowmon, aris Tu ara konkretuli klienti<br />
Sav siaSi da imis mixedviT gansazRvron,<br />
uRirT Tu ara masTan TanamSromloba SemdgomSi,<br />
rom valdebulebis arSesrulebis<br />
riskisgan daizRvion Tavi.<br />
iuridiuli praqtika:<br />
Cvens praqtikaSi Zalian xSiria momarTvianoba<br />
personalur monacemebze, sasamarTlo<br />
statistikasac Tu gadavxedavT, davebis umravlesoba<br />
swored komerciul bankebsa da<br />
mikrosafinansoebze modis. Sesabamisad,<br />
amis stastitikac gvaqvs. Cveni kompania aseT<br />
pirebs momsaxurebas uwevs.<br />
praqtikaSi gvqonia gavrcelebuli precedenti,<br />
roca komerciul banks ar ukmayofildeba<br />
moTxovna rogorc ZiriTadi movalis,<br />
aseve solidaruli Tavdebis mimarT.<br />
Tumca moqalaqeebi xSirad gvikavSirdebian<br />
mxolod telefoniT da maT vumartavT, rom<br />
„Sav siaSi” myofi da is pirebi, romelTa sesxsac<br />
vada gauvida, aRar unda iyvnen „Sav<br />
siaSi”. amis gamo maT sasamarTlosTvis mimarTvis<br />
ufleba aqvT. samwuxarod, isini<br />
Tavs ikaveben amisgan, radgan sasamarTloSi<br />
saxelmwifo baJia gadasaxdeli da, zogadad,<br />
sasamarTlos ndoba, SesaZloa, ar aqvT moqalaqeebs,<br />
aseve, aSinebT is procedura, rac<br />
sasamarTlo warmoebas sWirdeba, rac, bunebrivia,<br />
saboloo jamSi, mankier praqtikas<br />
nergavs, radgan Tu sakuTar uflebebs ar<br />
daicav, sakuTari Tavis realizebas ver<br />
moaxden.<br />
***<br />
adre Tu komerciuli bankebis Sesaxeb<br />
kanonis Tanaxmad banks klientis Sesaxeb<br />
informaciis gacema mxolod misi Tanxmobis<br />
an sasamarTlo gadawyvetilebis safuZvelze<br />
SeeZlo, Sesabamisad, Tu arakeTilsindisieri<br />
an gadaxdisuunaro msesxebeli misi<br />
sakredito istoriis gavrcelebis winaaRmdegi<br />
iqneboda, banki mis Sesaxeb informacias<br />
biuros ver gadascemda. dRes kanoni isea<br />
Secvlili, rom araTu klientis survilzea<br />
damokidebuli personaluri monacemebis<br />
kreditinfosTvis gadacema-argadacemis sakiTxi,<br />
aramed piriqiT, is verc ki gaaprotestebs<br />
an ukmayofilebas gamoTqvams amaze,<br />
winaaRmdeg SemTxvevaSi sabanko momsaxurebas<br />
ver miiRebs. yoveli valdebulebis aRebisas<br />
klienti avtomaturad awers xels misi<br />
personaluri monacemebis bankis mxridan<br />
saWiroebisamebr gamoyenebis uflebaze.<br />
swored amitom dRes „kreditinfo saqarTvelo”<br />
milionobiT adamianis monacems inaxavs<br />
da miuxedavad imisa, rom am informaciaze<br />
wvdoma moTxovnis Sesabamisad bankebsa<br />
da mikrosafinansoebs aqvs, mainc mzardia<br />
im adamianTa CamonaTvali, romlebic „Sav<br />
siaSi” an movaleTa reestrSi xvdebian.<br />
risi bralia es, _ bankebis mxridan gariskvis<br />
Tu moqalaqeTa upasuxismgeblobis? _<br />
calsaxad amis Tqma SeuZlebelia!<br />
N23 (244) 10.07-16.07.2018 w.<br />
37
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