ratom gaizarda samomxmareblo sesxebis saprocento ... - Papava.info
ratom gaizarda samomxmareblo sesxebis saprocento ... - Papava.info ratom gaizarda samomxmareblo sesxebis saprocento ... - Papava.info
atom gaizarda samomxmareblo sesxebis saprocento ganakveTi da rogor apirebs lado gurgeniZe mosaxleobis xarjze inflaciis moTokvas Jurnali “Tbiliselebi” – 26 maiai – 1 ivnisi, # 22, 2008 jer kidev mTavrobis 50-dRiani programis egidiT daiwyo da grZeldeba iafi kreditebis programa (bevr sxva programasTan unisonSi), ris paraleluradac swored arCevnebamde gairkva, rom samomxmareblo sesxebze saprocento ganakveTi gaizarda (kreditebis gaZvirebis pioneri saqarTvelos bankia), rac imas niSnavs, rom maT, visac iafi kreditis programa gverdiT Cauvlis, finansebTan dakavSirebuli novatoruli ideebi Cauflavdeba. ra kavSiri aqvs am or process erTmaneTTan da ra roli ergo ar gaugebrobaSi saqarTvelos banks, qarTuli ekonomikisTvis am arcTu sasiamovno movlenis arsis garkvevas lado papavasTan erTad SevecdebiT. – aqvs kavSirSi iafi kreditebis programas zogadad kreditebis gaZvirebasTan da rogor aisaxeba es qveynis biznes-garemoze – daviwyoT imiT, rom samTavrobo programas iafi kreditebis Sesaxeb ori funqcia aqvs: jer erTi, xeli unda Seuwyos axali saSualo da, ZiriTadad, mcire biznesis formirebas da ganviTarebas da, meore, amis mizani winasaarCevno periodSi amomrCevlebis xmebis miReba iyo. modi, vilaparakoT imis Sesaxeb, kargia Tu cudi es 1
- Page 2 and 3: programa. ra Tqma unda, kargia, Tu
- Page 4 and 5: fulis odenoba, imitom rom yvelas ur
- Page 6 and 7: - rogori piri uCans saqmes, male da
atom <strong>gaizarda</strong> <strong>samomxmareblo</strong><br />
<strong>sesxebis</strong> <strong>saprocento</strong> ganakveTi da<br />
rogor apirebs lado gurgeniZe<br />
mosaxleobis xarjze inflaciis<br />
moTokvas<br />
Jurnali “Tbiliselebi” – 26 maiai – 1 ivnisi, # 22, 2008<br />
jer kidev mTavrobis 50-dRiani programis egidiT daiwyo da<br />
grZeldeba iafi kreditebis programa (bevr sxva programasTan<br />
unisonSi), ris paraleluradac swored arCevnebamde gairkva, rom<br />
<strong>samomxmareblo</strong> sesxebze <strong>saprocento</strong> ganakveTi <strong>gaizarda</strong> (kreditebis<br />
gaZvirebis pioneri saqarTvelos bankia), rac imas niSnavs, rom maT,<br />
visac iafi kreditis programa gverdiT Cauvlis, finansebTan<br />
dakavSirebuli novatoruli ideebi Cauflavdeba. ra kavSiri aqvs am or<br />
process erTmaneTTan da ra roli ergo ar gaugebrobaSi saqarTvelos<br />
banks, qarTuli ekonomikisTvis am arcTu sasiamovno movlenis arsis<br />
garkvevas lado papavasTan erTad SevecdebiT.<br />
– aqvs kavSirSi iafi kreditebis programas zogadad kreditebis<br />
gaZvirebasTan da rogor aisaxeba es qveynis biznes-garemoze<br />
– daviwyoT imiT, rom samTavrobo programas iafi kreditebis<br />
Sesaxeb ori funqcia aqvs: jer erTi, xeli unda Seuwyos axali<br />
saSualo da, ZiriTadad, mcire biznesis formirebas da ganviTarebas<br />
da, meore, amis mizani winasaarCevno periodSi amomrCevlebis xmebis<br />
miReba iyo. modi, vilaparakoT imis Sesaxeb, kargia Tu cudi es<br />
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programa. ra Tqma unda, kargia, Tu programa darRvevebis gareSe<br />
ganxorcieldeba.<br />
– ganvumartoT mkiTxvels am programis arsi<br />
– im xalxs, romlebsac undaT mcire biznesis dawyeba, sWirdeba<br />
sastarto kapitali, romelic ar aqvs, amitomac maT aZleven<br />
dabalprocentian kredits, riTac xeli ewyoba mcire bizensis<br />
formirebas. aseT proeqtebs msoflios sxvadasxva qveyanaSi<br />
gamoiyeneben.<br />
– umetesad ganviTarebulSi Tu ganviTarebadSi<br />
– iafi kreditebis programa yvelanair qveynebSi gamoiyeneba,<br />
magram cnobilia, rom, magaliTad, bangladeSia e.w. mikrokreditebis<br />
samSoblo, radgan swored iq moifiqres es idea. sxvaTa Soris, ideis<br />
avtorma oriod wlis winaT nobelis premiac ki miiRo mSvidobis<br />
dargSi. amdenad, saqarTvelos mTavrobis mier SemoTavazebuli<br />
programa namdvilad ar aris cudi. Tavidan programisTvis 30 milioni<br />
iyo gamoyofili, amJamad 50 milionamde gazardes. 50 milioni<br />
sakredito resursi didi ar aris, magram arc mcirea, Tu<br />
gaviTvaliswinebT, rom Cveni damwyebi mewarmeebi ar iyvnen<br />
ganebivrebuli iafi kreditebiT.<br />
– Tavis droze, premier-ministrma konkretuli investiciiT<br />
daiTvala samuSao adgilebi, 50 milioni laris iafi krediti ramden<br />
samuSao adgils niSnavs<br />
– amaze komentari gamiWirdeba, imitom rom me ar vici, rogor<br />
afasebs mTavroba TiToeuli samuSao adgilis Seqmnis Rirebulebas.<br />
“wiwilebs Semodgomaze Tivlian”, Tu odesme gveRirsa damoukidebeli<br />
statsitika, daviTvliT da gvecodineba. erTi sityviT, rogorc<br />
giTxariT, mTlianobaSi idea kargia, magram me maqvs kritikuli<br />
SeniSvna: iafi kreditebis gacemis ori forma gamoiyeneba: uSualod<br />
mTavrobis mier da komerciuli bankebis saSualebiT, anu mTavroba<br />
SearCevs bankebs da isini gascemen am iaf kredits. cxadia, bankebi<br />
2
daaricxaven TavianTi momsaxurebis procentsac, magram krediti<br />
imdenad dabalprocentiania, rom erTi-ori procentis daricxva mas<br />
mniSvnelovnad ar gaaZvirebs. am ori sqemidan, ra Tqma unda, momxre var<br />
kreditebis bankebis mier gacemis sqemisa, radgan mTavroba ar aris<br />
kreditebis gamcemi organo.<br />
– magram es sqema ufro momgebiani ar iqneba biznesmenisTvis<br />
– ver dageTanxmebiT, radgan mTavaria profesionalizmi kreditis<br />
gacemaSi: kreditebis gacemis instituti aris banki, rac regulirdeba<br />
Sesabamisi kanoniT. mTavrobas SeuZlia, rom Tavisi <strong>saprocento</strong><br />
ganakveTi ufro qvemoT dawios da kreditic ufro iafi gamova.<br />
– vin SearCevs kreditis mimRebs<br />
– ori sqema: Tu kredits banki gascems, potencialur kreditors<br />
SearCevs banki, Tu mTavroba gascems kredits – kreditors SearCevs<br />
mTavroba. ramdenadac CemTvis cnobilia, mTavrobis sxdomaze xdeba<br />
potencialuri kreditorebis SerCeva.<br />
– es Zalian maRali rangi ar aris<br />
– es Zalian sasaciloa, imitom rom sakredito saqmianoba ar<br />
aris mTavrobis saqme.<br />
– Tumca arc prezidentis saqmea Sadrevnebis gaxsna.<br />
– me cota miWirs komentaris gakeTeba, radgan Cvenma xalxma<br />
gadawyvita, rom Sadrevani jobia yvelafers. rac varT, is varT, amitom<br />
imaze vilaparakoT, ra ufro gamarTlebulia ekonomikurad.<br />
gamarTlebulia, rom mTavrobam dabal procentSi gasces kreditebi,<br />
komerciul bankebs dauwesos procentis zeda zRvari, Semdeg<br />
komerciul bankebs Soris gamoacxados tenderi da, vinc gaimarjvebs,<br />
man gasces kreditebi. axla ki gadavideT meore sakiTxze: ram gamoiwvia<br />
qveyanaSi <strong>samomxmareblo</strong> kreditebis gaZvireba yvelasTvis kargadaa<br />
cnobili, rom msoflioSi midis globaluri finansuri krizisi,<br />
romlis samSobloc, Tu SeiZleba, ase iTqva, amerikis SeerTebuli<br />
Statebia. krizisma gamoiwvia is, rom msoflioSi Semcirda Tavisufali<br />
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fulis odenoba, imitom rom yvelas urCevnia, rom Tanxa, magaliTad,<br />
uZrav qonebaSi daabandos, rac bunebrivia, radgan krizisuli<br />
procesebis dros fuls ufro stabilur aqtivebSi abandeben.<br />
Sesabamisad, fuli deficituri gaxda, xolo, rodesac fuli xdeba<br />
deficituri, is Zvirdeba, krediti ki igive fulia. bankebi, Cvens<br />
SemTxvevaSi, iaf sakredito resurss poulobdnen ucxoeTSi, ZiirTadad,<br />
evropul bazrebze, dRes amis SesaZlebloba SeezRudaT, aqedan<br />
gamodinare, raki sakredito resursi Semcirda, moTxovna ki igive rCeba,<br />
krediti unda gaZvirdes. magram aq aris meore momentic: kreditebis<br />
gaZvireba daiwyo saqarTvelos bankma da amis Semdeg, met-naklebi<br />
dayovnebiT, mas mxari aubes sxva bankebmac. zogierTi myisierad ayva:<br />
gaiTvaliswines ra, rom saqarTvelos banki da premier-ministri arcTu<br />
ucxoni arian erTmaneTisTvis, CaTvales, rom, albaT, raRac xdeba. ra<br />
xdeba sinamdvileSi Cvenma premier-ministrma ganacxada, rom inflacia<br />
aris problema da is arCevnebis Semdegac iqneba. es aRiareba kargia,<br />
imitom rom mTavroba yovelTvis gulwrfeli unda iyos Tavis xalxTan.<br />
inflaciis Tavidan asacilebeli erT-erTi saSualeba aris is, rom<br />
fulis masa Semcirdes mimoqcevaSi, amisTvis ki saWiroa, rom krediti<br />
gaZvirdes.<br />
– anu inflacia, romlisganac icaven mosaxleobas, isev<br />
mosaxleobazeve aisaxeba<br />
– inflaciis moTokva ZiriTadad bizensis xarjze moxdeba.<br />
– <strong>ratom</strong> mxolod biznesis saSualo fena, romelic ganvadebiT<br />
yidulobs sayofacxovrebo nivTebs, mSralze ar darCeba<br />
– es aris kiTxva, romelic yvelas aRelvebs da me Sevecdebi,<br />
Zalian martivad avxsna, ras niSnavs: inflacia rom moiTokos,<br />
gaizrdeba kreditebis <strong>saprocento</strong> gankveTi, ese igi, naklebi sesxi<br />
gamova. sxva sityvebiT rom giTxraT es aris iZulebiTi RonisZieba,<br />
romelsac aqvs dadebiTi Sedegi, imitom rom mkolevadian periodSi<br />
zRudavs inflacias, magram amas aqvs Zalian uaryofiTi Sedegi<br />
4
saSualo da grZelvadian periodSi, vinaidan, Tu krediti gaZvirda,<br />
sesxis aReba garTuldeba, rac imas niSnavs, rom biznesi veRar aiRebs<br />
im odenobiT sesxs: SeiZleba, naklebi aiRos, anu saerTodac uari<br />
Tqvas, rac aisaxeba bizenssa da ekonomikur zrdaze, sabolood ki,<br />
samuSao adgilebze, anu mosaxleobaze. saSualo da grZelvadian<br />
periodSi kreditis gazrda iwvevs ekonomikuri zrdis SeCerebas, Tu<br />
saerTod vardnas ara. aq ukve Cans aseTi ram: radgan erovnul banks<br />
bolo kvreebis ganmavlobaSi raime gansakuTrebuli RonisZieba ar<br />
gautarebia, rom gaezarda kerZo bankebis mier gacemul sesxebze<br />
<strong>saprocento</strong> ganakveTi, es nabiji ki pirvelma saqarTvelos bankma<br />
gadadga, gasagebia, rom es iyo premier-ministris, rogorc mTavrobis<br />
xelmZRvanelis interesi.<br />
– es ar aris interesTa konfliqti<br />
– mxolod amaSi xedavT interesTa konfliqts Cveni qveyana ukve<br />
“SeeCvia” interesTa konfliqtiT cxovrebas. ase rom, es me ar mikvirs,<br />
magram faqtia, rom premier-ministris amocanaa, SezRudos inflacia da<br />
amisTvis iyenebs sabanko instruments. warmoidgineT, romelime<br />
aralider banks rom mieRo <strong>saprocento</strong> ganakveTis zrdis<br />
gadawyvetileba, ra iqneboda klientebi wavidodnen sxva bankebSi,<br />
magram, rodesac amas akeTebs pirvelobaze pretenziis mqone banki,<br />
romelic yvelam icis, rom asocirebulia premier-ministrTan, es ukve<br />
signalia mTeli sabanko samyarosTvis. meore obieqturi safuZveli<br />
kreditebis gaZvirebisa aris is, rom Tavisufali sarkdito resursebi<br />
mniSvnelovnad SeizRuda msoflio bazarze.<br />
– sxva bankebs ar aqvT am procesisTvis winaaRmdegobis gawevis<br />
ufleba da saSualeba<br />
– Tu aqvT resursi, ar gazrdian, magram, Tu ar aqvT resursi<br />
sanam msoflioSi ar daiZleva finansuri krizisi, aseTi<br />
SesaZleblobebi ar iqneba.<br />
5
– rogori piri uCans saqmes, male daZlevs amerika finansur<br />
kriziss<br />
– gamiWirdeba amis Tqma, es damokidebulia imaze, vis airCeven<br />
TeTr saxlSi: respublikels Tu demokrats. Cemi azriT, gamarjvebis<br />
yvelaze did Sansi makqeins aqvs, radgan faqtia, rom demokratebma<br />
didi Secdoma dauSves, rodesac erTmaneTs daupirispires qalbatoni<br />
da feradkaniani, imitom rom amerikis istoriaSi arc erTi da arc<br />
meore arasdros yofila prezidenti da SeiZleba, Seiqmnas garemoeba,<br />
rom qalbatonma demokratebma protestis niSnad, Tuki demokratebidan<br />
obama gavida saboloo kandidatad, ar miiRon monawileoba arCevnebSi<br />
an piriqiT, Tu gavida qalbatoni qlintoni, feradkanianma<br />
demokratebma ar miiRon monawileoba arCevnebSi protestis niSnad.<br />
orive SemTxvevaSi es xels aZlevs makqeins. anu, marTalia, prezidenti<br />
buSi iyo da aris arapopularuli, magram demokratebis mcdarma<br />
gadawyvetilebam SesaZloa, isev respublikelebis aRzevebas Seuwyos<br />
xeli. dRevandeli gadasaxedidan, makqeinis Sansebi dRiTidRe izrdeba<br />
da ara imitom, rom is idealuria, ubralod demokratebi uSveben<br />
Secdomebs.<br />
– rogorc CvenTan<br />
– ara, mixeil saakaSvilma swored imitom gaimarjva, rom “miSa<br />
magaria”.<br />
– es pirobiTia, gaaCnia vis da ris fonze xar magari<br />
– magaria, imitom rom imas, rac bolo oTxi wlis ganmavlobaSi<br />
xdeboda, daerqva reformebi, magaria imitom, rom saerTaSoriso<br />
arenaze cnobilia, rogorc demokrati, magaria, imitom rom miaRwia 5<br />
ianvris arCevnebis legitimacias da saparlamento arCevenebmac gviCvena,<br />
rom “miSa marTlac magaria”. im xalxma, romlebsac kerZo sakuTrebas<br />
ungrevdnen, romlebmac samsaxurebi dakarges, romlebsac 7 noemberi<br />
mouwyves, xom misca xma ese igi, magaria, imitom rom gauvida.<br />
– am logikiT, nadirSahic magari iyo.<br />
6
– me sxva magaliTs moviyvan: masStabebiT ar vadareb, magram<br />
stalini msoflio istoriaSi aRiarebulia, rogorc uaryofiTi<br />
pirvoneba, magram vinme ityvis, rom stalini magari ar iyo “miSa<br />
magaria” ocdameerTe saukuneSi. xSirad miwevda ucxoeTSi siaruli da<br />
aravin ar icoda, ra iyo saqarTvelo, dRes ki ician, evroniusze<br />
gadaicema <strong>info</strong>rmacia saqarTvelos Sesaxeb, maT Soris, amindis<br />
prognozic.<br />
– ervoniusze pakistanzec gadaicema <strong>info</strong>rmacia<br />
– pakistanze gadaicemoda, magram Cvenze ara. dRes Cveni<br />
prezidenti axerxebs, rom sakmaod xSirad moxvdes sxvadasxva wamyvan<br />
sa<strong>info</strong>rmacio gadacemaSi. cnobili momReral, b-n xaCiZes, romelic<br />
dRes gubernatori gaxlavT, ekuTvnis es fraza. me ar maxsovs, ras<br />
mReroda is, magram es STambeWdavi fraza ki gamoigona: me vaRiareb,<br />
rom “miSa marTlac magaria”, magram Cven, yvelani, ukeTes SemTxvevaSi,<br />
sasaciloni varT.<br />
nino xaCiZe<br />
7
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