marketingis safuZvlebi
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marketingis safuZvlebi

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nomikuri dacemis, inflaciis CaTvliT) xels uwyobs am moTxovnis<br />

gafarToebas.<br />

sabanko <strong>marketingis</strong> formireba saqarTveloSi sawyis<br />

etapzea. rogorc cnobilia, Cvens qveyanaSi komerciuli bankebis<br />

Seqmna daiwyo gasuli saukunis 90-ian wlebSi. axali sabanko<br />

sistemis Tavisebureba aris is, rom igi warmodgenilia<br />

ZiriTadad komerciuli bankebiT, romelTa mniSvnelovani nawili<br />

ar ganekuTvneba msxvili bankebis kategorias. CvenTan<br />

sabanko <strong>marketingis</strong> Camoyalibeba ganapiroba komerciuli<br />

bankebis rogorc bazris elementis realurma Seqmnam. sabanko<br />

<strong>marketingis</strong> moTxovnebis gauTvaliswineblobis mizeziT<br />

bevri komerciuli banki gakotrda da saqarTvelos moqalaqeebma<br />

(meanabreebma) mniSvnelovani zarali naxa. ekonomikaSi<br />

sabazro elementebis warmoSobis Sesabamisad saWiro iyo am<br />

procesis sakanondmeblo uzrunvelyofa. es Seexeba komerciuli<br />

bankebis intensiur organizacias, sxva sakredito-safinanso<br />

insitutebis Seqmnas, sawarmoTa privatizaciasa da aqcionirebas,<br />

fasebis liberalizias da sxv.<br />

sabanko <strong>marketingis</strong> qarTuli modeli unda Camoyalibdes<br />

sazRvargareTuli gamocdilebis safuZvelze. jerjerobiT<br />

CvenTan sabanko marketingi dabal donezea, vinaidan igi<br />

ar aris dakavSirebuli bazris seriozul da Rrma Seswavlas-<br />

Tan. marketinguli saqmianobis mTavari elementi, romelsac<br />

mimarTaven komerciuli bankebi, ZiriTadad saprocento ganakveTebiT<br />

manipulirebaa. TiToeuli banki cdilobs daawesos<br />

rac SeiZleba didi sadepozito ganakveTi. rac Seexeba<br />

sesxis gacemas, am SemTxvevaSi sabanko marketingi ZiriTadad<br />

gamoiyeneba saSuamavlo operaciebSi dabandebebTan dakavSirebiT.<br />

sakredito dabandebebis mixedviT bazris analizis gamoyenebis<br />

erTaderTi Sedegia fulis swrafi dabruneba didi<br />

procentiT.<br />

bankebi jerjerobiT iSviaTad Tu ieyeneben msoflio praqtikaSi<br />

saerTod aRiarebul <strong>marketingis</strong> meTodebs, romlebic<br />

dakavSirebulia sawarmos ekonomikuri saqmianobis SefasebasTan,<br />

misi balansis analizTan, saqmian kavSirebTan, gadaxdisunarianobasTan,<br />

konkurenciis xarisxsis gaTvaliswinebasTan, sareklamo<br />

SesaZleblobebTan. amitom realuri sabanko marketingi saqarTveloSi<br />

ganviTardeba im SemTxvevaSi, Tu bankebi gaiTvaliswineben<br />

<strong>marketingis</strong> aRniSnul meTodebs da saqme eqnebaT<br />

mrewvelobaSi da erovnuli ekonomikis sxva sferoebSi sakre-<br />

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