qronika+3(335)

294 69 77; qronikaqronika@gmail.com
kompania `velss~ seb-i ebrZvis
Si. miuxedavad imisa, rom ganxorcielebuli
samuSaosTvis Cven
gvaqvs miRebuli samadlobeli
werili saqarTvelos erovnuli
bankisgan, licenziis gacemis periodi
Zalian gaiwela da erovnulma
bankma gamoiyena absoluturad
yvela arsebuli resursi
imisTvis, raTa Cven ver migveRo
sabrokero licenzia.
SezRudvebis periods maleve
mohyva kovid pandemia saqarTveloSi,
ramac gaaWianura sasamarTlo
procesebi, Tumca Cven
mivwereT saqarTvelos erovnul
banks, rom miuxedavad SezRudvebisa,
vagrZelebdiT muSaobas, _
avunazRaureT klientebs saqar-
Tvelos erovnuli bankis mier
dawesebuli ukanono da dausabuTebeli
SezRudvebis SesrulebiT
miyenebuli ziani da daviwyeT
Cveni uflebebis dacva sasamarTloSi.
aRsaniSnavia, rom zemoaRniSnuli
zarali Seafasa da
daadastura damoukidebelma auditma,
romlis mixedviTac zaralis
jamuri moculoba Seadgenda,
daaxloebiT, 178,000 aSS
dolars.
seqtemberSi, rogorc ki daiwyo
sasamarTlo sxdomebi, romlis
drosac pirnaTlad Canda Cveni
myari poziciebi erovnuli bankis
mimarT, am ukanasknelma Cveni
gundis destabilizacia scada.
_ ufro konkretulad rom
gviTxraT, ra gziT cdilobda
erovnuli banki Tqveni kompani-
is destabilizacias?
_ erovnuli banki amisTvis sxvadasxva
gzas iyenebda, kerZod:
1. klientebis pretenziebi,
romelTa adresatic Tavad erovnuli
bankia, gadasca finansur
policias im motivaciiT, rom
pretenziebi exeba ara uSualod
erovnul banks, aramed Cvens kompanias;
2. daiwyo saqarTvelos erovnuli
bankis fulis gaTeTrebis
inspeqtirebisa da zedamxedvelobis
(AML) departamentis mier
kompaniis adgilze Semowmeba
(Semowmeba, maT Soris, moicavda
kompaniis gaxsnis dRidan absoluturad
yvela ganxorcielebuli
tranzaqciis kanonSesabamisobis
Semowmebas);
3. kompaniaSi mimdinareobda
kanonmdeblobiT gaTvaliswinebuli
savaldebulo finansuri auditi;
4. am yovelives ki sabolood
Seemata fasiani qaRaldebis bazris
zedamxedvelobis departamenti
(maT gadawyvites daewyoT
adgilze Semowmeba sasamarTlo
sxomamde zustad 1 dRiT adre);
_ ra mizani amoZravebs ero-
vnul banks, rodesac kompaniis
destabilizacias cdilobs?
_ miuxedavad imisa, rom pirdapiri
werilobiTi sabuTi xelT ar
gvaqvs, faqtebis erTobliobiT
naTeli xdeba, rom erovnuli
bankis qmedebebis ukan imaleba
koba gvenetaZis interesebi. koba
gvenetaZe, romlis pirdapiri
valdebulebaa, rom xels uwyobdes
qveyanaSi biznesis stabilurobas
da icavdes momxmareblebis
interesebs, iqceva srulad
sapirispirod _ pandemiis
periodSi, arsebuli krizisis
paralelurad, damoukidebel
kompaniebs bazridan mizanmimarTulad
iSorebs da azianebs momxmareblebs,
saqarTvelos moqalaqeebs,
raTa klanisa da konkretuli
daaxloebuli pirebis
interesebi iyos daculi. aseve
`miuxedavad imisa, rom pirdapiri werilobiTi
sabuTi xelT ar gvaqvs, faqtebis erTobliobiT
naTeli xdeba, rom erovnuli bankis qmedebebis
ukan imaleba koba gvenetaZis interesebi. koba
gvenetaZe, romlis pirdapiri valdebulebaa,
rom xels uwyobdes qveyanaSi biznesis
stabilurobas da icavdes momxmareblebis
interesebs, iqceva sruliad ad sapirispirod -
pandemiis periodSi, arsebuli krizisis
paralelurad, damoukidebel kompaniebs
bazridan mizanmimarTulad iSorebs da
azianebs momxmareblebs, saqarTvelos
moqalaqeebs, raTa klanisa da konkretuli
daaxloebuli pirebis interesebi iyos daculi~
sayuradReboa dro da is periodebi,
rodesac miiReba aseTi
tipis gadawyvetilebebi. magali-
Tad, saqarTvelos erovnuli
bankis mier mkveTri gadawyvetilebebis
miReba yovelTvis dakavSirebulia
imgvar movlenebTan,
romelic saxelmwifo seqtoris
srul mobilizacias moiTxovs da
romlis farglebSic, faqtobrivad,
veravin moaxerxebs Cveni
darRveuli uflebisTvis yuradRebis
miqcevas: 14 Tebervlis
SezRudvebis paralelurad sul
ufro metad mZvinvarebda koronavirusi,
Semodgomis period-
Si saqarTveloSi mimdinare arCevnebze
iyo sruli mobilizacia,
xolo 2021 wlis 18 Tebervals
licenziis gauqmebas, sul raRac,
1 saaTiT uswrebda premier-ministris
gadadgoma. xsenebuli
gvafiqrebinebs, rom Cveni uflebebis
mkveTri Selaxvis kuTxiT,
saqarTvelos erovnuli banki
mudmivad irCevs strategiulad
swor dros, rodesac Cvens dasaxmareblad,
faqtobrivad, saxelmwifo
resursi mwiria, radgan is
mobilizebulia bevrad ufro
farTomasStabian movlenebze.
miuxedavad imisa, rom AML
(Anti-money laundering-fulis gaTe-
Trebis winaaRmdeg mimarTul
politika, _ red.) Semowmebis
procesi, gamomdinare Semowmebis
periodis, intensivobisa da moculobisa,
moiTxovda kompaniis
sruli resursis mobilizebas,
Cven warmatebiT gaviareT Semowmebis
etapi da AML departamenti
Semoifargla mxolod samuSao
procesis ukeT warsamarTad
saWiro rekomendaciebiT. amis
paralelurad, fasiani qaRaldebis
bazris zedamxedvelobis departamentma
kvlav daiwyo axali
SezRudvebisa da moTxovnebis
daweseba, xolo SezRudvebisa da
moTxovnebis sia iyo sruliad
absurduli, magaliTad: kompanias
ekrZaleba xelfasebis gazrda;
dividendebis ganawileba; axali
valdebulebebis aReba da axali
TanamSromlebis ayvana; xolo
amave werilSi Semdegi nawiliT
saqarTvelos erovnuli banki
aRniSnavda, rom kompania arRvevs
saqarTvelos kanonmdeblobas,
radgan mas ar gaaCnia sakmarisi
resursi saqmianobis Seuferxeblad
gansaxorcieleblad da
rom kompania valdebulia, 2020
wlis 31 dekembramde ganaxorcielos
resursebis mobilizeba da
organizaciuli cvlilebebis
ganxorcieleba; agreTve, kompanias
ekrZaleboda kriptoaqtivebiT
garigebebis ganxorcieleba,
rodesac: a) xsenebuli miTiTebis
miRebamde da xsenebuli miTiTebis
miRebis Semdgom periodSic
kompania ar axorcielebda kriptoaqtivebiT
garigebebs (bolo
garigeba ganxorcielda oqtomberSi,
rac saqarTvelos erovnuli
bankisTvis cnobili iyo) da b)
saqarTvelos erovnulma bankma
Tavad misca Cvens gunds instruqcia
imis Sesaxeb, Tu rogor unda
ganaxorcielon kriptoaqtivebiT
garigebebi, kompania ki zustad am
instruqciis Sesabamisad moqmedebda.
saqarTvelos erovnuli
bankis mxridan, kompaniasTan mimarTebiT,
amas garda kidev dafiqsirebulia
SemTxvevebi, rodesac
maTi moTxovnebi araTanmimdevrulia
da sxva moTxovnebs ewinaaRmdegeba.
rodesac maTi moTxovnebi
Tu sanqciebi aris urTierTsapirispiro,
kompaniis mxridan
nebismieri qmedeba Tu umoqmedoba
romelime ganawesis dar-
Rvevas mainc gamoiwvevs. xsenebuli
sxva araferia, Tu ara mizanmimarTuli
moqmedeba imisken,
rom kompaniam daarRvios erovnuli
bankis miTiTeba (zemoaRniSnuli
adamianuri resursis
nawilSi rac gvxvdeba _ Tanam-
Sromlis ayvana warmoadgens erTi
moTxovnis darRvevas, xolo TanamSromlis
arayvana meore moTxovnis
darRvevaa, rac SemdgomSi
gaxdeba kompaniis sanqcirebis
safuZveli).
gasaTvaliswinebelia, rom zemoaRniSnuli
AML departamentis
daskvna, sadac am ukanasknelma
Seamowma kompaniis daarsebis
dRidan 2020 wlis CaTvliT
drois manZilze kompaniis Sida
dokumentacia, politika, procedurebi,
TiToeuli tranzaqcia
da ver gamoavlina verc erTi
arsebiTi darRveva, romelic kompaniis
sanqcirebis safuZveli
gaxdeboda (Tundac minimaluri
fuladi jarimis dakisrebis),
Semoifargla, mxolod da mxolod,
rekomendaciebiT, romelic
miiRo 2021 wlis 16 ianvars,
xolo ramdenime dReSi kompanias
imis Sesaxeb Seatyobines, rom iwyeba
administraciuli warmoebis
procesi kompaniisaTvis sabrokero
licenziis gauqmebis Taobaze.
_ ra mizeziT daiwyo adminis-
traciuli warmoeba?
_ administraciuli warmoebis
dawyebis mizezebis mokle Sinaarsi
gaxlavT Semdegi:
1. kompania axorcielebda
kanoniT akrZalul operaciebs
(saqarTvelos erovnuli bankis
ganmartebis Tanaxmad _ kriptoaqtiviT
operaciebs);
2. kompanias ar gaaCnia sakmarisi
resursi (igulisxmeba: kadrebi,
adamianuri resursi);
3. kompaniam 2020 wels daagviana
kvartaluri fifnansuri angariSgebis
Cabareba (razedac
ukve dagvekisra jarima, romelic
gadavixadeT kidec);
4. kompanias ar miuwodebia yvela
klientis xelSekruleba (zustad
igive informacia eleqtronulad
iyo gagzavnili AML departamentSi,
xolo fizikurad
miwodeba gamogvrCa, rac Secdomis
aRmoCenidan momentalurad
mivawodeT _ 4,085 gverdi);
5. kompanias mZime epidemiur
viTarebaSi ar Seugrovebia yvela
klienti, ra drosac klientebi
maTive amonawerebs moawerdnen
xels (Cven am moTxovnis miRebisTanave
saqarTvelos erovnul
banks vacnobeT, rom rodesac
qveyanaSi kovid situacia dastabilurdeba
da xalxis kompaniaSi
mobilizeba ar iqneba diskomfortTan
da safrTxesTan dakavSirebiuli,
moviyvanT klientebs da
xelmoweriT davadasturebinebT
im informacias, romelic maT-
Tvis isedac cnobilia. ubralod,
gonierebis farglebSi, roca epidemiologiuri
situacia iqneba
naklebi safrTxis Semcveli.
gagrZeleba 24-e gv.
N3 (335) 8.03-21.03.2021 w.
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