s a x e l S e k r u l e b o s a m a r T a l i
s a x e l S e k r u l e b o s a m a r T a l i
s a x e l S e k r u l e b o s a m a r T a l i
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da sxva Zvirfaseulobis Sesanaxad. sasamarTlos es daskvna emyareba bankis mier saqmeze<br />
warmodgenil Sesagebels, sadac ganmartebulia, rom `banksa da klients (am SemTxvevaSi<br />
mosarCeleebs) Soris ideba xelSekruleba depozitur seifSi fulisa da Zvirfaseulobis<br />
Senaxvis Sesaxeb, rac gulisxmobs depozituri seifis mTlianobis dacvaze pasuxismgeblobas,<br />
e.i. pasuxismgeblobas gatexvasa da sxvagvari dazianebisagan dacvaze.... amave seifSi arsebuli<br />
Zvirfaseuloba xeluxlebeli iyo, rasac adastureben bankis TanamSromlebi~. varauds, rom<br />
bankisaTvis cnobili iyo Sesanaxi nivTis Tvisebis Sesaxeb, amyarebs aseve modave mxareTa<br />
Soris 1999w. 19 aprils dadebuli xelSekruleba depozituri seifiT sargeblobis<br />
Taobaze. aRniSnuli xelSekrulebis 2.2 muxliT banki garantias iZleva depozitur seifSi<br />
moTavsebul faseulobaTa Senaxvisa da maTi saidumloebis uzrunvelyofaze. is garemoeba,<br />
rom bankisaTvis ucnobi iyo Senaxuli nivTis Rirebuleba, metyvelebs sargeblis miRebis<br />
mizniT gaweul mxaris riskze, rac damaxasiaTebelia samoqalaqo brunvisaTvis.<br />
sagulisxmoa, rom kanoni Senaxvis gansxvavebul wess adgens imisda mixedviT, mibareba<br />
usasyidloa Tu sasyidliani. amave kodeqsis 765-e muxlis Tanaxmad, Tu mibareba usasyidloa,<br />
maSin Semnaxveli valdebulia, iseTive keTilsindisierebiT Seinaxos nivTi, rogoriTac<br />
sakuTar nivTs Seinaxavda. aRniSnuli normis analizi cxadyofs im garemoebas, rom<br />
usasyidlo mibarebis SemTxvevaSic Semnaxvels garkveuli pasuxismgebloba moeTxoveba<br />
mibarebuli nivTis Senaxvaze. kanonis daTqma, rom usasyidlo mibarebisas Semnaxveli nivTs<br />
ise unda gaufrTxildes, rogorc sakuTars, moiazrebs, rom Semnaxveli pasuxismgeblobiTa<br />
da mzrunvelobiT ekideba sakuTar nivTs. amdenad, sakuTari nivTebisadmi Semnaxvelis<br />
uyairaTo damokidebuleba ar aTavisuflebs mas pasuxismgeblobisagan mibarebul nivTTan<br />
mimarTebaSi. aRniSnulidan gamomdinare, sadavos ar warmoadgens is garemoeba, rom nivTis<br />
sasyidliani Senaxvisas Semnaxvels gaZlierebuli gulisxmiereba da pasuxismgebloba unda<br />
moeTxovebodes, vidre usasyidlo Senaxvisas, miuxedavad imisa, mxareebi SeTanxmebuli arian<br />
Tu ara valdebulebis farglebze.<br />
aRniSnulidan gamomdinare, Semnaxvel q.xarCilavas moTxovna Senaxuli nivTis dabrunebis<br />
Taobaze safuZvliania, vinaidan, sk-is 770-e muxlis pirveli nawilis Tanaxmad, mimbarebels<br />
SeuZlia nebismier dros moiTxovos mibarebuli nivTis dabruneba.<br />
samoqalaqo kodeqsi mxareebisagan moiTxovs ra urTierTpativiscemasa da gulisxmierebas<br />
kontrahentTan mimarTebaSi, orive mxares am mxriv SeTanxmebulze ufro met valdebulebas<br />
akisrebs. swored es valdebulebaa dawesebuli sk-is 316-e muxlis meore nawiliT, romlis<br />
ZaliTac, Tavis Sinaarsisa da xasiaTis gaTvaliswinebiT, valdebuleba SeiZleba yovel mxares<br />
akisrebdes meore mxaris uflebebisa da qonebisadmi gansakuTrebul gulisxmierebas.<br />
ss „saqarTvelos banki“ sarCelSi miTiTebuli garemoebis sawinaaRmdego argumentacias<br />
amyarebs im garemoebaze, rom misi pasuxismgeblobis sakiTxi mxolod depozituri seifis<br />
meqanikuri dazianebis SemTxvevaSi warmoiSoboda. am ganmartebiT banki aRiarebs ra Tavis<br />
pasuxismgeblobas seifis dacvaze, ver asabuTebs pasuxismgeblobis Tundac amgvari SezRudvis<br />
safuZvlianobas verc mxareTa Soris miRweuli SeTanxmebiT da verc samarTlebriv normaze<br />
miTiTebiT. amasTan, mxareTa Soris urTierToba warmoSobilia ra standartuli<br />
xelSekrulebis safuZvelze, sk-is 346-e muxlis Tanaxmad, baTilia xelSekrulebaTa<br />
standartuli piroba, miuxedavad xelSekrulebaSi misi CarTvisa, Tu igi ndobisa da<br />
keTilsindisierebis principebis sawinaaRmdegod sazianoa xelSekrulebis meore mxarisaTvis.<br />
amdenad, banks mxaresTan SeTanxmebiT kidevac rom SeezRuda Tavisi pasuxismgeblobis<br />
farglebi, xelSekrulebis es piroba dasaxelebuli normidan gamomdinare, baTilia, vinaidan<br />
mocemul SemTxvevaSi iqneboda swored ndobisa da keTilsindisierebis principebis<br />
sawinaaRmdego daTqma. rogorc gadawyvetilebis kvleviT nawilSi aRiniSna, mxareTa Soris<br />
urTierToba sadavo SemTxvevamde sul cota sami wliT adre warmoiSva da sadavo faqtamde<br />
grZeldeboda, rac aSkarad mianiSnebs kasatorTa ndobaze kontrahentisadmi. amasTan, mocemul<br />
SemTxvevaSi kontrahents warmoadgens mewarme subieqti, romelsac sabanko saqmianobis<br />
ganxorcielebis ufleba saxelmwifosgan gacemuli specialuri nebarTvis safuZvelze aqvs<br />
mopovebuli da arsebobs prezumfcia misi saqmianobis saamisod arsebuli normatiuli<br />
aqtebiT mkacrad gansazRvruli wesebis dacviT warmarTvisa. udavoa, aseTi kontrahentisadmi<br />
ndobis xarisxi ufro maRalia, rasac adasturebs bankis klientebis mier bankisaTvis<br />
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