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qronika179

nino tabaRua 294 69 77;

nino tabaRua 294 69 77; qronikaqronika@gmail.com yvelaze Zlieri instituti saqarTveloSi sabanko seqtoria _ es cxadia. bazarze maTi konkurenti sxva instituti arc ki arsebobs da amaze calsaxad saubroben rogorc Tavad sabanko seqtoris warmomadgenlebi, aseve eqspertebi. Tumca yvelaze did problemas, am SemTxvevaSi, arsebuli situacia warmoadgens, romelic Semdegia: komerciuli bankebi ar gascemen sesx- ebs potenciur konkurent biznesebze, radgan isini Tavad floben araprofilur biznesebs, romlis warmatebac bankis siZlieriTaa garantirebuli, am dros ki Tavisufali biznesi iCagreba, romelmac mxolod is „daaSava”, rom xsenebuli ko- merciuli bankebis mflobelobaSi arsebuli araprofiluri biznesis konkurentia. im depozitebis, anu momxmareblebis mier konkretul bankSi dabandebuli Tanxis gamoyenebis mimarTule- bas, ra Tqma unda, TviTon banki gansazRvravs, Tumca rogorc eqsperti, vaxtang xomizuraSvili ambobs, wesiT, am Tanxebis ZiriTadi mimarTuleba sesxebi unda iyos, romelTa gacemaze procenti ufro maRalia, vidre depozitze dawesebuli pro- centi, swored amiT ikvebebian bankebi. vaxtang xomizuraSvili _ eqsperti: _ is, Tu rogor unda gamoiyenos bankma aqtivebi, mkacrad reglamentirebuli ar aris, amas banki Tavad wyvets. Cven unda davakvirdeT imas, Tu ramdenia sakredito portfeli depozitebidan, Tu igi (sakredito portfeli, igive gacemuli sesxebi) ufro metia, vidre depozitebi, vaskvniT, rom bankma garda Tavisi depozitebisa, gamoiyena saaqcio kapitalis nawili sesxebSi. rogorc wesi, sakredito portfeli gacilebiT didia, vidre moziduli depozitebi, radgan banki, am SemTxvevaSi, iyenebs klienturis mimdinare angariSebis nawils, plus imas, rac saaqcio kapitalSi aqvs. xolo im SemTxvevaSi, Tu gacemuli sesxebi ufro naklebia, vidre depozitebi, daskvna ideba, rom banki am depozitebs araprofilur saqmianobaSi iyenebs. magram pirdapir ver ganasxvaveb, ra Tanxebia gacemul sesxebSi. maxsovs adre erT-erT banks depozitebis moculoba meti hqonda, vidre gacemuli sesxebi. daisva kiTxva, Tu sad wavida es Tanxebi? pirvveli: araprofilur biznesSi (sakuTari kompaniebis SeqmnaSi), is banks ar hqonda; meore: fiqsirebul aqtivebSi, uZravi qoneba: Senoba, bankomatebi, mowyobilobebi, aveji da a. S. dadginda, rom es Tanxebi mimarTuli iyo araSemosavlian aqtivebze, anu uZrav qonebaze, rac, ra Tqma unda, sagangaSo aRmoCnda. mere am banks aRniSnuli depozitebis momsaxurebis problemebi gauCnda. sabolood, SeiZleba iTqvas, rom bankebi da maTi araprofiluri saqmianobebi erTmaneTisgan unda gaimijnos. erovnuli banki iniciativiT unda gamovides da mere parlamentma moagvaros es yvelaferi, Torem romel parlamentars mouva TavSi am yvelafris Secvla da kanonmdeblobaSi Setana?! msgavs saqmeze pasuxismgebloba erovnulma bankma unda itvirTos, misi pirdapiri movaleobaa. 26 cota ukan rom gadavinacvloT, jer kidev, 2015 wels, erovnuli bankis yofili direqtoris, giorgi qadagiZis regulaciiT, bankebs sam- Seneblo da sxva tipis kompaniebi xsenebuli wlis 31 de- vaxtang xomizuraSvili kembramde unda daeTmoT. marTalia, am ideis avtori oTxi eqspertisgan Semdgari jgufi iyo, romelmac (levan kalandaZe, irakli leqvinaZe, levan alafiSvili da giorgi abaSiSvili) xelisuflebas komerciuli bankebisTvis arasabanko da araprofiluri saqmianobis akrZalvis winadadebiT mimarTa, magram mTavari Sedegi iyo da regulaciac ZalaSi Sevida, romlis Semdegac, saqarTvelos erovnuli bankis gadawyvetilebiT, qveyanaSi moqmed komerciul bankebs araprofiluri saqmianoba aekrZalaT. sabanko seqtori mxolod tradiciuli safinanso momsaxurebis miwodebiT unda Semofargluliyo. metic, araprofiluri saqmianobis wamosawyebad axali nebar- Tvebis gacemis meTodic sagrZnoblad gamkacrda, rac 2008 wlamde arsebul praqtikas Seesabameboda. im komerciul bankebs, ratom ar gascemen sesxebs komerciuli bankebi da aregulireben Tu ara isini araprofiluri biznesebis flobas? `jer kidev, 2015 wels, erovnuli bankis yofili direqtoris, giorgi qadagiZis regulaciiT, bankebs samSeneblo da sxva tipis kompaniebi xsenebuli wlis 31 dekembramde unda daeTmoT. marTalia, am ideis avtori oTxi eqspertisgan Semdgari jgufi iyo, romelmac (levan kalandaZe, irakli leqvinaZe, levan alafiSvili da giorgi abaSiSvili) xelisuflebas komerciuli bankebisTvis arasabanko da araprofiluri saqmianobis akrZalvis winadadebiT mimarTa, magram mTavari Sedegi iyo da regulaciac ZalaSi Sevida, romlis Semdegac, saqarTvelos erovnuli bankis gadawyvetilebiT, qveyanaSi moqmed komerciul bankebs araprofiluri saqmianoba aekrZalaT. sabanko seqtori mxolod tradiciuli safinanso momsaxurebis miwodebiT unda Semofargluliyo. metic, araprofiluri saqmianobis wamosawyebad axali nebarTvebis gacemis meTodic sagrZnoblad gamkacrda, rac 2008 wlamde arsebul praqtikas Seesabameboda. im komerciul bankebs, romlebic aseT saqmianobaSi ukve CarTulebi iyvnen, 30 kalendaruli dRis vadaSi, seb-isTvis bankis arasafinanso sferodan etapobrivad, 2015 wlis 31 dekembramde, gamosvlis detaluri strategia unda waredginaT~ romlebic aseT saqmianobaSi ukve CarTulebi iyvnen, 30 kalendaruli dRis vadaSi, seb-isTvis bankis arasafinanso sferodan etapobrivad, 2015 wlis 31 dekembramde, gamosvlis detaluri strategia unda waredginaT. maSin am regulaciebTan dakav- SirebiT, eqspertebis SefasebiT, sruliad sakmarisi dro iyo, rom procesebs umtkivneulod da finansuri danakargis gareSe Caevlo. Tumca, seb-is imdroisTvis, axal regulaciaSi erTi gza mainc rCeboda: komerciuli bankebis aqcionerebs aravin ukrZalavda, arasabanko sferoSi investiciebi ganexorcielebinaT, Tuki am investicias komerciuli banki ar gascemda. meore mxriv, amave logikiT, nebismieri komerciuli bankis aqcioners SeeZlo, araprofiluri aqtivis saxiT, giorgi qadagiZe bankis kuTvnili samSeneblo Tu sxva tipis kompania gadaeformebina. marTalia, es kompania bankis araprofilur aqtivad aRar CaiTvleboda, samagierod, amave bankis aqcioneris sakuTrebaSi darCeboda. maSin bankebis asociaciis prezidenti zurab gvasalia ambobda, rom msgavsi regulaciis SemoRebis gadaudebeli aucilebloba namdvilad ar iyo. erT-erT interviuSi man isic Tqva, rom araprofiluri aqtivebi komerciul bankebSi dalxenili cxovrebis Sedegad ar gaCenila: „es is kompaniebia, romlebic bankebSi „CarCnen”, radgan auqcionze ki gaitanes, magram myidveli ar gamouCnda. Sesabamisad, komerciuli bankebi iZulebulebi iyvnen, am tipis kompaniebis aqtivebis kapitalizacia Tavad ganexorcielebinaT. 2008 wlis finansuri krizisis Semdeg, saqarTvelos komerciuli bankebi ase rom ar moqceuliyvnen, saqarTvelos samSeneblo biznesi bevrad mZime mdgomareobaSi aRmoCndeboda da arc SeCerebuli mSeneblobebi dasruldeboda”. es rac iyo 2015 wels. axla rac Seexeba Cvens bazarze umsxvilesi komerciuli bankebis mier araprofiluri aqtivebis flobis Sefasebas. lia eliava _ ekonomikis eqsperti: _ dResac savalalo mdgomareobaa komerciuli bankebis mxridan araprofiluri aqtivebis flobis kuTxiT. is, rac formalurad 2015 wels mogvarda, `Cven unda davakvirdeT imas, Tu ramdenia sakredito portfeli depozitebidan, Tu igi (sakredito portfeli, igive gacemuli sesxebi) ufro metia, vidre depozitebi, vaskvniT, rom bankma garda Tavisi depozitebisa, gamoiyena saaqcio kapitalis nawili sesxebSi. rogorc wesi, sakredito portfeli gacilebiT didia, vidre moziduli depozitebi, radgan banki, am SemTxvevaSi, iyenebs klienturis mimdinare angariSebis nawils, plus imas, rac saaqcio kapitalSi aqvs. xolo im SemTxvevaSi, Tu gacemuli sesxebi ufro naklebia, vidre depozitebi, daskvna ideba, rom banki am depozitebs araprofilur saqmianobaSi iyenebs. magram pirdapir ver ganasxvaveb, ra Tanxebia gacemul sesxebSi. maxsovs adre erT-erT banks depozitebis moculoba meti hqonda, vidre gacemuli sesxebi. daisva kiTxva, Tu sad wavida es Tanxebi? pirvveli: araprofilur biznesSi (sakuTari kompaniebis SeqmnaSi), is banks ar hqonda; meore: fiqsirebul aqtivebSi, uZravi qoneba: Senoba, bankomatebi, mowyobilobebi, aveji da a. S. dadginda, rom es Tanxebi mimarTuli iyo araSemosavlian aqtivebze, anu uZrav qonebaze, rac, ra Tqma unda, sagangaSo aRmoCnda~ 26 N2 (179) 24.01-30.01.2017 w.

denime didi banki inawilebs Ti- Tqmis yvela araprofilur bizness sabanko seqtorSi da am situaciis gamosworeba Zalian rTuli saqmea. formalurad ki moxda araprofiluri biznesis gamijvna komerciuli bankebisgan, magram realurad yvelam viciT, rom ori banki (maT Soris, erT-erTi ufro didi) flobs Zalian bevr araprofilur bizness. am biznesebis Seqmna ki Tavidanve dakavSirebuli iyo am komerciul bankebTan. mTavari is aris, rom banki mis konkurent biznesebs sesxs ar aZlevs, rac konkurentuli garemos Seqmnas uSlis xels, dazaralebulebi Riad acxadeben, rom bankSi biznesis gafarToebasTan dakavSirebuli gegma waradgines, magram sesxi ver miiRes da aseTi magaliTi uamravia. Tumca mainc arsebobs sazogadoeba- Si ganwyoba, rom, realurad, martivad da sruliad Cveulebrivad xdeba biznessesxebis gacema, rasac me ar veTanxmebi. bankSi biznesisTvis sesxis asa- Rebad, Tu ar CavTvliT imas, rom likviduri qoneba unda waradgino uzrunvelyofaSi, amas emate- lia eliava dRes kvlav mougvarebelia. araprofilur biznesTan dakavSirebiT komerciul bankebSi mdgomareoba Zalian rTulia, vinaidan erovnulma bankma maT sa- Sualeba misca, TavianTi saqmianoba SeeniRbaT, raRac sxva iuridiuli forma gamoenaxaT, magram es biznesi mainc komerciuli bankebis xelSia da maTi survilis SemTxvevaSi komerciul bankebs naxevari saqarTvelos yidva SeuZliaT, mTelis Tu ara. aseve SeuZliaT, yvela im ZiriTadi sakvanZo ekonomikuri seqtorebis xelSi Cagdeba, romlebsac aravis dauTmoben. Sesabamisad, isini akeTeben imas, rasac maT erovnuli banki ar ukrZalavs. kanonSi komerciuli bankebis saqmianobis Sesaxeb zusti CamonaTvalia im saqmianobisa, romelic nebadarTulia komeciuli bankebisTvis da masSi arsad weria, rom SeuZliaT akontrolon da flobdnen im araprofilur biznesebs, romlebsac dRes floben. erovnuli banki, faqtobrivad, Tvals xuWavs xsenebuli bankebis kanonis miRma saqmianobaze da amis uflebas aZlevs maT. ver daadanaSauleb bizness, roca Seni maregulirebeli amis uflebas gaZlevs da ratom ga- Zlevs, es ukve calke gamosaZiebeli sakiTxia. _ ra interesi udevs e.b.-s am bankebSi, rom ase, kanonis miRma uflebebs uzrdis komerciul bankebs, ra dainteresebaa e.b.-Si? aris Tu ara iq raime kriminalis Semadgeneli elementi? _ es iseTi sakiTxia, romliTac sagamoZiebo struqtura unda dainteresdes. sxva mxriv, rogorc yvelam viciT, TviTon sabanko seqtorSi konkurencia ar arsebobs, bazarze oligopoliaa da maT Seu- ZliaT, ekonomikis yvela seqtor- Si mospon konkurencia da, praqtikulad, TviTon ibatonon _ amis finansuri SesaZlebloba maT aqvT da saxelmwifo imisTvisaa, rom ar dauSvas romeliRac erTi, an ori bankis oligopolia. sxva bankebs misces moqmedebis saSualeba. am mxriv saxelmwifo Zalian moikoWlebs, Zalian. _ depozitebze arsebuli Tanxebi, ZiriTadad, raze ixarje- ba? _ araprofilur biznesebze, ra Tqma unda. ratom aris, rom N2 (179) 24.01-30.01.2017 w. 294 69 77; qronikaqronika@gmail.com `erovnuli banki, faqtobrivad, Tvals xuWavs xsenebuli bankebis kanonis miRma saqmianobaze da amis uflebas aZlevs maT. ver daadanaSauleb bizness, roca Seni maregulirebeli amis uflebas gaZlevs da ratom gaZlevs, es ukve calke gamosaZiebeli sakiTxia. - ra interesi udevs e.b.-s am bankebSi, rom ase, kanonis miRma uflebebs uzrdis komerciul bankebs, ra dainteresebaa e.b.-Si? aris Tu ara iq raime kriminalis Semadgeneli elementi? - es iseTi sakiTxia, romliTac sagamoZiebo struqtura unda dainteresdes~ mTel msoflioSi komerciul bankebs akrZaluli aqvT savaWro, samSeneblo, farmacevtuli saqmianoba? Tu es biznesi gakotrda, zarals miayenebs komerciul banks da mis finansur mdgradobas Zirs gamouTxris, imitomacaa, rom msoflioSi yvela maregulirebeli, garda saqarTvelosi, ukrZalavs komerciul bankebs araprofiluri biznesis warmoebas. diax, es pirdapir moqmedebs finansur mdgradobaze mTlianad, iseve, rogorc sabanko seqtorze. Cveni mosaxleobis mier depozitebze Senaxuli fuliT, an mimdinare angariSebiT, komerciuli bankebis araprofiluri biznesi sazrdoobs. diax, es asea. _ da mas Semdeg, rac 2015 wels araprofiluri biznesebis regulacia SemoiRes, ra Seica- la? _ es e.b.-s wina xelisuflebis dros moxda da axlac grZldeba, Tumca suraTi igivea. maT TavianT Svilobil kompaniebs gadasces araprofiluri biznesi, es komerciulma bankebma balansidan moixsnes, magram TavianT asocirebul, afilirebul bankebs gadasces, anu, faqtobrivad, igivea, Sinaarsobrivad ara, magram forma Seicvala, iuridiuli forma Seicvala mxolod, faqtobrivad, ki igive darCa. da iciT, amas ra saSiSroeba moaqvs? _ rogorc samSeneblo seqtorSi komerciulma bankebma Sewyvites damoukidebeli samSe- neblo kompaniebis dafinanseba da mxolod TavianTi kompaniebis dafinansebaze gadavidnen, ase SeiZleba yvela seqtorSi moxdes, anu mxolod TavianTi kompaniebi daafinanson prioritetulad da dabal procentSi miscen sesxi, sxvebs ki uari uTxran, rogorc potenciur konkurents. es amaxinjebs qveynis ekonomikur struqturas da mas araefeqtians xdis. situaciis Sesacvlelad erovnulma bankma aseve, damokidebuleba unda Secvlos am problemisadmi, risi imedic me, praqtikulad, ar maqvs. komerciulma bankebma imxela finansuri gavlena moipoves sazogadoebaSi, rom isini karnaxoben erovnul banks da mTavrobas, ra gaakeTon! am situaciis gardatexa Tu ar moxda, saqarTvelo yovelTvis iqneba CamorCenili da civilizaciis kudSi madevari. `mTavari is aris, rom banki mis konkurent biznesebs sesxs ar aZlevs, rac konkurentuli garemos Seqmnas uSlis xels, dazaralebulebi Riad acxadeben, rom bankSi biznesis gafarToebasTan dakavSirebuli gegma waradgines, magram sesxi ver miiRes da aseTi magaliTi uamravia. Tumca mainc arsebobs sazogadoebaSi ganwyoba, rom, realurad, martivad da sruliad Cveulebrivad xdeba biznessesxebis gacema, rasac me ar veTanxmebi. bankSi biznesisTvis sesxis asaRebad, Tu ar CavTvliT imas, rom likviduri qoneba unda waradgino uzrunvelyofaSi, amas emateba is, rom TiTqmis samecniero naSromTan gaTanabrebuli biznesgegma unda waradgino, - es calke Temaa, anu bankebi Zalian rTulad gascemen sesxebs biznesze, radgan ar awyobT, rom konkurentebs asesxon. axla parlamentma ki daiwyo am sakiTxze muSaoba, rom gamijnon, magram meeWveba, realuri iyos, radgan aqac Zlieri sabanko lobi imuSavebs, romelic aucileblad SeewinaaRmdegeba iseTi meqanizmebis Cadebas kanonmdeblobaSi, rac maT lavirebis SesaZleblobas mouspobs sxvadasxva gziT da arxiT. ara mgonia, rame Seicvalos, radgan amas Zalian Zlieri da finansurad welSi gamarTuli mTavroba sWirdeba~ SoTa gulbani _ axalgazrda finansistTa da biznesmenTa asociaciis prezidenti: _ bazarze oligopoliaa. ram- ba is, rom TiTqmis samecniero naSromTan gaTanabrebuli biznesgegma unda waradgino, _ es calke Temaa, anu bankebi Zalian rTulad gascemen sesxebs biznesze, radgan ar awyobT, rom konkurentebs asesxon. axla parlamentma ki daiwyo am sakiTxze muSaoba, rom gamijnon, magram meeWveba, realuri iyos, radgan aqac Zlieri sabanko lobi imuSavebs, romelic aucileblad SeewinaaRmdegeba iseTi meqanizmebis Cadebas kanonmdeblobaSi, rac maT lavirebis SesaZleblobas mouspobs sxvadasxva gziT da arxiT. ara mgonia, rame Seicvalos, radgan amas Zalian Zlieri da finansurad welSi gamarTuli mTavroba sWirdeba. _ 2015 wels Semotanili regulacia? maSinac xom igive pro- cesebi mimdinareobda? _ formalurad darCa. es bankebi xom arian ukve, samSeneblo, sadazRveo, farmacevtul sferoebSi CarTulebi, roca saubroben: modiT, gavmijnoT profiluri da araprofiluri biznesebio, ar aris egre, amas mxolod bavSvebi daijereben skolaSi. ig- SoTa gulbani ive situacia SenarCundeba yovelTvis, ubralod, kanonmdeblobis doneze, formalurad Sei- Zleba gaimijnos, rom bankebis saqmianoba iyos mxolod is, rac gansazRvrulia mis saqmianobad kanoniT komerciuli bankis Sesaxeb. komerciuli bankebis Sesaxeb kanonSi ki 30-e muxli mkacrad aregulirebs, rom banki parametrebs ar unda gascdes. Tu es moxda, maSin banks mkacri sasjeli elodeba, Tumca msgavsi tipis sasjeli araprofiluri aqtivebis flobis gamo aravis axsovs qarTul realobaSi. faqti ki igivea. mosaxleobis mier depozitze Senaxuli, an angariSebze arsebuli TanxebiT araprofiluri aqtivebi finansdeba, Tumca amas xom CvenTvis xeli arasdros SeuSlia, Tavis droze aviRoT kuTvnili procentebi bankidan da bankis TanamSromels vuRimoT maSin (realurad, is arafer SuaSia), roca misi zemdgomebi bizness ganvi- Tarebis saSualebas ar aZleven da qveynis ekonomikas, ubralod, anadgureben. 27