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nino tabaRua 568 82 58 35 „gadamxdelunarianobis detaluri analizis principebi fizikur pirebTan mimarTebiT”, _ swored asea dasaTaurebuli is axali SezRudvebi Tu regulaciebi, romlebic erovnulma bankma komerciuli bankebisTvis daawesa, raTa iseTi profesiis warmomadgenlebisTvis, rogore- bic taqsis mZRoli, ZiZa, repetitori, dalaqi, profilaqtikis xelosani da maTTan erTad gzavnilebis mimRebi pirebi arian, kreditis micemis detaluri pirobebi gansazRvros. aRniSnul analizis principebTan dakavSirebiT erovnuli bankis oficialur vebgverdze vkiTxulobT: „Semosavlis dadasturebis gareSe sacalo sesxebis gacemis motivaciis Semcireba xels Seuwyobs sakredito standartebis gaumjobesebas sabanko seqtorSi, komerciuli bankebis sakredito portfelebis xarisxis gaumjobesebas da socialuri pasuxismgeblobis mqone sakredito urTierTobebis waxalisebas”. amave statiaSi, romelic axali SemuSavebuli principebis danergvis aucileblobas xsnis, gvxvdeba termini „Warbvalianoba”, romelic gasul dReebSi swored finansTa ministrma gaaJRera xmama- Rla, Tumca saqme is aris, rom ekonomikis eqspert akaki comaias TqmiT, msgavsi terminic ki ekonomikur literaturaSi, ubralod, ar arsebobs! Sesabamisad, arc arsebobs msgavsi indikatori! miuxedavad amisa, erovnuli bankis vebgverdze arsebul xsenebul masalaSi Semdeg axsnas vawydebiT: „...amasTan, saqarTvelos erovnuli banki aanalizebda mosaxleobis mowyvlad segmentSi Warbvalianobis dinamikas da muSaobda aRniSnuli problemis kompleqsurad da sistemurad gadawyvetis gzebze. es sakiTxi 2018 wlis mart- Si finansuri stabilurobis komitetma detalurad ganixila. ker- Zod, bolo wlebSi Sinameurneobebis davalianeba maRali tempiT izrdeba, da, rac aranakleb sayuradReboa, mzardia im fizikuri pirebis dakrediteba, romelTac SemosavlebTan mimarTebiT valis maRali tvirTi aqvT. aseve, finansur institutebSi xdeba sacalo dakreditebis biznesmodelis ise- Ti cvlileba, romelic nakleb yuradRebas uTmobs Semosavlebis wyaros da riskis marTvisTvis sxva maxasiaTeblebze yuradReba maxvildeba”. dabolos: „2018 wlis 7 maisidan komerciul bankebs SeezRudebaT gadamxdelunarianobis srulfasovani analizis gareSe sesxebis gacema sazedamxedvelo kapitalis 25%-ze metad. aRniSnuli SezRudva ar exeba Zvirfasi qvebiTa da liTonebiT an uZravi qonebiT uzrunvelyofil sesxebs, uzrunvelyofis Rirebulebis farglebSi. amasTan, msesxeblis gadamxdelunarianobis srulfasovani analizis gareSe uZravi qonebiT uzrunvelyofili sesxebis saerTo Tanxa ar unda aRematebodes bankis sazedamxedvelo kapitalis 15%-s da sesxis gacemisas sesxis uzrunvelyofis koeficienti (Loan to Value Ratio) ar unda iyos 50%-ze meti”, _ aRniSnulia uwyebis vebgverdze. yovelive zemoT aRniSnulis gamo im mikro da mcire biznesiT dakavebul pirebTan mimarTebiT, romelTa Semosavlebi ar dasturdeba mesame, damoukidebeli mxareebisgan miRebuli dokumentebiT, gadamxdelunarianobis 14 294 69 77; qronikaqronika@gmail.com detaluri analizi unda daefuZnos qvemoT mocemul principebs („qronika+~ ucvlelad gTavazobT dokuments, romelic wyarosgan miviReT. am informaciis simarTlesTan Sesabamisoba gadamowmebulia e.b.-sTan): „• gzavnilebis gaTvaliswinebis sakiTxi Semosavlebis wyaros kuTxiT; • bankSi moqmed Sida politika/ procedurebSi detalurad unda iqnas warmodgenili gadamxdelunarianobis detaluri analizis miznebisTvis Semosavlebis Sefasebis/dadasturebis wesebi da teqnikebi; • banks unda hqondes dakreditebisas sxvadasxva profesiis Sesaxeb relevanturi statistikuri maCveneblebis akumulirebis sistema”. Tu Tqveni Semosavali taqsis mZRolobiT, repetitorobiT, vinmes movliT, profilaqtikis SemowmebiT, silamazis salonSi muSaobiT an fuladi gzavnilebiT ganisazRvreba, maSin detalurad unda icodeT, Tu ra moTxovnebs unda akmayofilebdeT imisTvis, rom TqvenTvis gankuTvnili maqsimaluri Tanxa miiRoT sesxad sarecxi manqanis SesaZenad an sakuTari avtomobilis sawvavdad benzinis bunebrivi airiT Casanacvleblad: taqsis mZRoli a. mZRoli da manqana unda iyvnen registrirebuli/licenzirebuli; b. manqana unda iyos mZRolis saxelze minimum bolo 6 Tvis man- Zilze; c. gaTvaliswinebuli unda iyos manqanis asaki da fizikuri mdgomareoba; d. ramdenad Seesabameba manqanis mdgomareoba saregistracio, salicenzio moTxovnebs, rogorc mimdinare etapze, aseve sesxis vadis ganmavlobaSi; e. mZRoli unda gadamowmdes sxvadasxva marSrutebze tarifebis kuTxiT; f. tarifebi unda Sedardes arsebul saSualo maCveneblebs; g. gamokiTxul unda iqnas msesxeblis ojaxuri mdgomareoba da giorgi kepulaZe profilaqtikis xelosani s. unda ganxorcieldes xelosnis samuSao adgilze inspeqtireba; i. yuradReba unda gamaxvildes samuSao garemoze, kerZod, ramdenad Seesabameba igi realobas; t. xelosani unda gadamowmdes sxvadasxva servisze tarifebis kuTxiT; i. tarifebi unda Sedardes arsebul saSualo maCveneblebs; u. unda gamoikiTxos obieqtis mepatrone/direqtori, maT Soris, xelosnis anazRaurebis Taobaze; v. saqmes unda daerTos xelosnis Canawerebi (arsebobis SemTx- ministris gavlena Tu sesxze xelmisawvdomobis xelovnuri SezRudva?! sxva relevanturi sakiTxebi; h. saqmes unda daerTos manqanisa da teqpasportis suraTebi; i. sesxis momsaxurebis PTI koeficienti unda Seesabamebodes sebis mier dadgenil normebs; j. sesxis moculobam sasurvelia, ar gadaaWarbos 6000 lars; k. gamonaklis SemTxvevebSi mizezebi, ris gamoc sesxis Tanxa aWarbebs 6000 lars, detalurad unda iyos aRwerili da SeZlebisdagvarad dokumentirebuli. repetitori _ kerZo praqtikiT momuSave maswavleblebi l. unda ganxorcieldes repetitoris adgilze inspeqtireba; m. yuradReba unda gamaxvildes samuSao garemoze, kerZod, ramdenad Seesabameba igi realobas; n. detalurad unda gaanalizdes repetitoris is Canawerebi, sadac mocemulia moswavleebis/ studentebis sia, maTi moZraobis ganrigi, tarifebi da sxva relevanturi maxasiaTeblebi; o. tarifebi unda Sedardes Sesabamisi disciplinis swavlebis saSualo maCveneblebs; p. tarifebi SerCevis gamoyenebiT unda gadamowmdes ramdenime moswavlis/studentis mSobelTan; q. saqmes unda daerTos repetitoris Canawerebi; r. saqmes unda daerTos obieqtis suraTebi; s. sesxis momsaxurebis PTI koeficienti unda Seesabamebodes sebis mier dadgenil normebs; t. sesxis moculobam sasurvelia, ar gadaaWarbos 6000 lars; u. gamonaklis SemTxvevebSi mizezebi, ris gamoc sesxis Tanxa aWarbebs 6000 lars, detalurad unda `mesmis, rom adamians, romelsac ipoTekuri sesxic aqvs, samomxmarebloc da ganvadebac, sakredito baraTi aRar unda misce, magram is, rom, pirobiTad, taqsis mZRols daqiravebuli manqana hyavs, TveSi 600 lars Soulobs da surs, 300-lariani telefoni iyidos ganvadebiT, romlis Tanxac 6 Tveze 50 larobiT iqneba gadanawilebuli, am dros bankSi eubnebian, rom ar SeuZliaT ganvadebis damtkiceba, es sakmaod uaryofiTi movlenaa~ iyos aRwerili da SeZlebisdagvarad dokumentirebuli. ZiZa v. unda ganxorcieldes ZiZis samuSao adgilze inspeqtireba; w. unda gamoikiTxos ZiZis damsaqmebeli, maT Soris, anazRaurebis Taobaze; x. sesxis momsaxurebis PTI koeficienti unda Seesabamebodes sebis mier dadgenil normebs; y. sesxis moculobam sasurvelia, ar gadaaWarbos 2000 lars; z. gamonaklis SemTxvevebSi mizezebi, ris gamoc sesxis Tanxa aWarbebs 2000 lars, detalurad unda iyos aRwerili da, SeZlebisdagvarad, dokumentirebuli. 14 N13 (234) 24.04-30.04.2018 w.
294 69 77; qronikaqronika@gmail.com `rame Semosavali gaqvs?~ - gekiTxeba kreditoficeri, magram ar iTxovs dasabuTebas. magaliTisTvis, bina gaqvs gaqiravebuli an deda gaZlevs Tavisi gaqiravebuli binis fuls, banki aseT raRacas mainc gekiTxeboda, amis dasabuTebasa da dadasturebas iTxovda, ubralod, darwmunebuli unda yofiliyo, rom Sen, garda imisa, rom sesxs iReb, Semosavalic gaqvs. es awyobda banks, axali regulaciiT ki TviTdasaqmebuli, wvrilSemosavliani adamianebisTvis wvril fulze xelmisawvdomoba SeizRudeba. maT ipoTekur sesxs mainc aravin aZlevda, magram Tu mimdinare moxmarebisTvis sWirdeboda Tanxa (vTqvaT, erTi taqsis manqana meoriT unda Caanacvlos an iyidis avtomobils da Semdeg surs, rom igi benzinidan gazis moxmarebaze gadaiyvanos, rac 1000 aSS dolaramde Rirs), amisTvis iRebda kredits, anu, realurad, es xelmisawvdomoba SezRudes konkretuli sociumisTvis, Torem regulaciebi rom unda iyos da erTianad ar unda gaicemodes kreditebi, CarCoebi unda arsebobdes, es TavisTavad cxadia. sakiTxavia, es regulaciebi metis saSualebas iZleva Tu zRudavs?! Cvens SemTxvevaSi, cxadia, rom zRudavs!~ akaki CargeiSvili vevaSi); w. saqmes unda daerTos obieqtis suraTebi; x. sesxis momsaxurebis PTI koeficienti unda Seesabamebodes sebis mier dadgenil normebs; y. sesxis moculobam sasurvelia, ar gadaaWarbos 6000 lars; i. gamonaklis SemTxvevebSi mizezebi, ris gamoc sesxis Tanxa aWarbebs 6000 lars, detalurad unda iyos aRwerili da SeZlebisdagvarad dokumentirebuli. dalaqi/salonis xelosani z. unda ganxorcieldes dalaqis samuSao adgilze inspeqtireba; i. yuradReba unda gamaxvildes samuSao garemoze, kerZod ramdenad Seesabameba igi realobas; aa. dalaqi unda gadamowmdes sxvadasxva servisze tarifebis kuTxiT; i. tarifebi unda Sedardes arsebul saSualo maCveneblebs; bb. unda gamoikiTxos obieqtis mepatrone/direqtori, maT Soris, dalaqis anazRaurebis Taobaze; cc. saqmes unda daerTos dalaqis Canawerebi (arsebobis SemTxvevaSi); dd. saqmes unda daerTos obieqtis suraTebi; ee. sesxis momsaxurebis PTI koeficienti unda Seesabamebodes sebis mier dadgenil normebs; ff. sesxis moculobam sasurvelia, ar gadaaWarbos 3500 lars; i. gamonaklis SemTxvevebSi mizezebi, ris gamoc sesxis Tanxa aWarbebs 3500 lars, detalurad unda iyos aRwerili da SeZlebisdagvarad dokumentirebuli. gzavnilebi gg. gzavnilebi SesaZlebelia gaTvaliswinebul iqnas mxolod arauzrunvelyofili samomxmareblo sesxebisTvis; hh. gzavnilebi unda iricxebodes bolo 6 Tvis manZilze stabilurad; ii. gzavnilebi unda iricxebodes/igzavnebodes msesxeblis saxelze; jj. gzavnilis gamomgzavni da mim- Rebi unda iyvnen ojaxis wevrebi; i. unda gadamowmdes mimRebsa da gamomgzavns Soris arsebuli kavSiri; kk. sesxis momsaxurebis PTI koeficienti unda Seesabamebodes sebis mier dadgenil normebs; ll. sesxis moculobam sasurvelia, ar gadaaWarbos 2000 lars”, _ weria gadamxdelunarianobis detaluri analizis principebSi. ramdenad sasacilodac unda migeCvenoT taqsis mZRolis gadamowmeba sxvadasxva marSrutze tarifebis kuTxiT an salonis xelosnis gadamowmeba sxvadasxva servisze tarifebis kuTxiT, swored ase, detalurad ganisazRvreba kredit-oficrisTvis is aucilebeli aqtivobebi, romelic man sesxis gacemamde unda ganaxorcielos. sainteresoa, sad unda wavides zemoT CamoTvlili profesiis mqone adamiani Tanxis sasesxeblad, Tu bankma misi moTxovna ar daakmayofila da sesxze uari uTxra?! romel Warbvalianobazea saubari, rodesac msgavsi indikatori ar arsebobs? ratom ereva finansTa ministri komerciuli bankebis saqmianobaSi? da ratom iRebs erovnuli banki am regulacias maSin, rodesac ramdenime dRea gasuli ministris gancxadebidan?! N13 (234) 24.04-30.04.2018 w. akaki comaia akaki comaia _ ekonomikis eqsperti: _ zemoT CamoTvlili principebi da SezRudvebi, apriori, am profesiis adamianebis mdgomareobisa da, zogadad, keTildReobis gauaresebas gamoiwvevs. am adamianebs Tu bankidan sesxis aReba undaT an unda gadaixadon saSemosavlo gadasaxadebi da ise gaagrZelon saqmianoba, Tu arada, unda mimarTon mikrosafinanso organizaciebsa da onlainsesxebs. darCebaT ori arCevani cudsa da uaress Soris. Sedegi esaa! rac Seexeba Warbvalianobas, ar arsebobs aseTi indikatori, es jer aravis moufiqrebia, ekonomikur literaturaSi msgavsi termini ar gvxvdeba. ar aris gansazRvruli, mosaxleobis ra raodenobas unda hqondes vali imisTvis, rom igi Warbvalianobad CaiTvalos, amisi zRvari aravis daudgenia! es axali raRac Tqva finansTa ministrma da e.b.-mac maleve gamoacxo regulacia. me ufro problemas imaSi vxedav, rom e.b. ar aris iseTi damoukidebeli instituti, rogoric unda iyos kanonmdeblobis mixedviT! calsaxaa ministris gavlena am regulaciebze. vfiqrob, man ufro politikuri gancxadeba gaakeTa, savaraudod, premierobisTvis emzadeba da sabanko Tema, populisturi gamonaTqvamebi, rogorc wesi, modaSia, „qarTul ocnebas” sCvevia. bankebi ki, zogadad, sensitiuri da momgebiani Temaa, amitomac manac daiwyo amaze saubari. Tavidan Zalian didi sisulele Tqva, mere Searbila, mere Secvala, axali terminic Semoitana Warbvalianobis saxiT da e.b.-mac axali regulacia SeimuSava. e.b. aregulirebs bankebs. mikrosafinansoebsa da onlainsesxebSi Cveulebrivad gagrZeldeba sesxis gacema. banki ubralod oficialurad ar gascems sesxs iseT adamianze, romelsac ar ufiqsirdeba Semosavali, Torem igi sxvadasxva meTodologiis saSualebiT gadasarevad xedavs, vis ra Semosavali aqvs, ras, sad da rogor xarjavs _ amis mixedviT adgens Tanxis gacemas. mas ar sWirdeba saSemosavlo gadasaxadis gadaxdis dadastureba, Tumca ukve komerciul bankebs aukrZales aseTi tipis sesxebis gacema da adamianebi, romlebic TviTdasaqmebulebi arian, iZulebulebi gaxdebian, rom mikrosafinansoebs an onlain sesxebs mimar- Ton, andac uari Tqvan im sikeTeze, rasac sesxis aReba hqvia, an kidev Seimciron TavianTi Semosavlebi da taqsis mZRolebma da ZiZebma daiyenon salaro aparatebi, ase unda iaron samsaxurSi da a. S. miuxedavad imisa, rom zemoT CamoTvlili profesiebiT saqmianoba Cvens qveyanaSi regulirebuli ar aris, moqmedi kanonmdebloba ar geubneba, rom ganTavisuflebuli xar saSemosavlo gadasaxadisgan. is geubneba, rom nebismieri Semosavali unda dabegro da radgan amis administrireba rTuli da aramomgebiania, is Zalian did, masobriv areulobas gamoiwvevs. giorgi kepulaZe _ arasam- Tavrobo organizacia „sazoga- doeba da bankebis” direqtori: _ swored TviTdasaqmebul mosaxleobas warmoadgens dasaqmebulTa 80%. saboloo jamSi, es regulaciebi TviTdasaqmebulebisTvis sesxebze wvdomis SezRudvas gamoiwvevs, rac arc ekonomikuri zrdisTvis iqneba kargi, arc teqnikisa da gayidvebisTvis. Tu ZiZa aqamde ise iRebda sesxs sarecxi manqanis sayidlad, rom SeiZleboda damsaqmeblis ojaxSi daerekaT da ekiTxaT, marTla muSaobda Tu ara igi iq da banki ukve 15 wuTSi daumtkicebda mas 1000-larian ganvadebas, axla gamodis, rom kreditoficeri unda mivides ojaxSi, damsaqmebelTan, Seamowmos, ramdeni aqvs am adamians xelfasi da a. S. banki ki amas martivad gaakeTebs, ubralod, sesxs ar miscems da es adamianic, ZiZac, iZulebuli gaxdeba, rom sxva, araformalur seqtorSi gadainacvlos sasurveli sarecxi manqanis yidvisTvis saWiro fulis sa- Sovnelad, iqneba es mevaxSe Tu lombardi. salombarde sesxi ki sabankoze gacilebiT Zviria! Cemi azriT, es regulaciebi calsaxad Zalian mkacria da igi arc Warbvalianobis Semcirebas gamoiwvevs, radgan sabanko sesxeb- Si amis problema ar aris! es zians miayenebs ekonomikur zrdasac da, saboloo jamSi, banki rom sesxs ar miscems, isev is gamova „cudi”. mesmis, rom adamians, romelsac ipoTekuri sesxic aqvs, samomxmarebloc da ganvadebac, sakredito baraTi aRar unda misce, magram is, rom, pirobiTad, taqsis mZRols daqiravebuli manqana hyavs, TveSi 600 lars Soulobs da surs, 300- lariani telefoni iyidos ganvadebiT, romlis Tanxac 6 Tveze 50 larobiT iqneba gadanawilebuli, am dros bankSi eubnebian, rom ar SeuZliaT ganvadebis damtkiceba, es sakmaod uaryofiTi movlenaa. akaki CargeiSvili _ biznessa- marTlis specialisti: _ miuxedavad imisa, rom aseTi mkacri regulaciebi aqamde ar iyo, banki mainc gTxovda aralegalur, arasagadasaxado bazaSi gamoCenil brunvas, Tumca saqme is gaxlavT, rom es regulaciebi ara raime problemis mogvarebas an meti sa- Sualebis gaCenas, aramed meti Sez- Rudvis dawesebas, metis akrZalvas emsaxureba. „rame Semosavali gaqvs?” _ gekiTxeba kreditoficeri, magram ar iTxovs dasabuTebas. magaliTisTvis, bina gaqvs gaqiravebuli an deda gaZlevs Tavisi gaqiravebuli binis fuls, banki aseT raRacas mainc gekiTxeboda, amis dasabuTebasa da dadasturebas iTxovda, ubralod, darwmunebuli unda yofiliyo, rom Sen, garda imisa, rom sesxs iReb, Semosavalic gaqvs. es awyobda banks, axali regulaciiT ki TviTdasaqmebuli, wvrilSemosavliani adamianebisTvis wvril fulze xelmisawvdomoba SeizRudeba. maT ipoTekur sesxs mainc aravin aZlevda, magram Tu mimdinare moxmarebisTvis sWirdeboda Tanxa (vTqvaT, erTi taqsis manqana meoriT unda Caanacvlos an iyidis avtomobils da Semdeg surs, rom igi benzinidan gazis moxmarebaze gadaiyvanos, rac 1000 aSS dolaramde Rirs), amisTvis iRebda kredits, anu, realurad, es xelmisawvdomoba SezRudes konkretuli sociumisTvis, Torem regulaciebi rom unda iyos da er- Tianad ar unda gaicemodes kreditebi, CarCoebi unda arsebobdes, es TavisTavad cxadia. sakiTxavia, es regulaciebi metis saSualebas iZleva Tu zRudavs?! Cvens SemTxvevaSi, cxadia, rom zRudavs! yovel SemTxvevaSi, rodesac Cven liberalur da Tavisufal sabazro ekonomikaze vsaubrobT, upirvelesia is, rom regulaciebi unda iyos SesaZleblobebis micemis saSualeba da ara misi SezRudvis! Tuki taqsis SemTxvevaSi licenzirebaa saWiro, rac aqamde ar arsebobda, igi imisTvis Semodis, rom sistema moawesrigos da Semosavlebze aesaxos es, ara imisTvis, rom Semosavali waarTvas xalxs. nacvlad imisa, rom bazari gauzardon da waaxalison, mouwesrigon, piriqiT, wilSi ujdebian. igivea e.b.-s mxridanac _ es regulaciebi ufro metad SemzRudavia, vidre SesaZleblobis mimcemi. repetitoris saqmianoba mowesrigebuli ar aris, sagadasaxado kuTxiT ar aRiricxeba, ar arsebobs oficialuri bazari _ es yvelaferi viciT da iq vujdebiT wilSi, iqidan gamogvaqvs misgan resursi nacvlad imisa, rom SesaZlebloba mivceT, gavaTeTroT, Semosavlis meti wyaro da reklamirebis saSualeba mivceT da a. S. amas ar vakeTebT. es aris CemTvis filosofiur RirebulebiTi nawili. ris gamo miiRo „Warbvalianobis” problemis mosagvareblad aRniSnuli regulaciebi erovnulma bankma da ra roli iTamaSa aq finansTa ministris gavlenam? faqti calsaxaa! _ sesxze wvdoma izRudeba! 15
Page 1 and 2: CIAN MAGENTA YALLOW BLACK 294 69 77
Page 3 and 4: 294 69 77; qronikaqronika@gmail.com
Page 5 and 6: daviT xoneliZe funqcionireba gasuli
Page 7 and 8: instancia gamoitans ganaCens, ar aq
Page 11 and 12: veba ras geubnebaT? _ pirvel rigSi,
Page 13: 294 69 77; qronikaqronika@gmail.com
Page 17 and 18: Zlebis procesSi, pasuxismgeblobiT e
Page 23 and 24: idiuli pirebis reestridan amonaweri

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