ratom aweseben kerZo bankebi sesxebze maRal ... - Papava.info

SemoRebul unda iqnas inflaciis zRvruli maCvenebeli da, Tuinflacia am maCvenebels gadascdeba, erovnuli bankis prezidentsgadaayeneben. aq aris erTi saintereso detali: aqamde mTavrobaamtkicebda, rom qveyanaSi inflacia maRali ar ariso, magram, rogorcCans, ician, rom inflaciis maCvenebeli maRalia da gadawyda, rominflacia aris problema, romelic erovnuli bankis prezidentis Tavzeunda gadatydes. ras niSnavs inflaciaze zRvruli maCvenebelis daweseba?SeiZleba, iyos iseTi inflaciuri procesebi, rom erovnuli bankis xelTar aRmoCndes sakmarisi berketebi mis gasaneitraleblad. es SeiZleba,iyos gare Sokebi: navTobze fasis TiTqmis permanentulad zrda, gazistarifis, xorblis Rirebulebis zrda; garda amisa, mTavrobas aqvssxvadasxva tipis programebi, maT Soris, populisturi, mcdari,magaliTad, dasaqmebis fsevdoprograma, rac sinamdvileSiumuSevarTaTvis Semweobis gacemis programa iyo, an SadrevnebisgauTavebeli mSenebloba, gauTavebeli sanaxaobebi, romlebic xelsuwyobs inflacias. amasTan, viciT, rom modis saparlamento arCevnebi,bunebrivia, prezidents dasWirdeba, rom hyavdes Tavisi umravlesobaparlamentSi, amisTvis ki saWiro iqneba morigi dapirebebi, xarjebisocialur sferoSi, rac, saboloo jamSi, ekonomikisTvis inflaciuritvirTi iqneba. aqedan gamomdinare, erovnuli bankisTvis inflaciiszRvruli maCveneblis SemoReba niSnavs, rom is realurad gaxdebafinansTa saministros erT-erTi departamentis donis organo da misixelmZRvaneli TvalebSi unda Sescicinebdes mTavrobas, rame iseTixarji ar gaswion, ris daregulirebasac erovnuli banki ver SeZlebs.praqtikulad, es Canafiqri mimarTulia iqiTken, rom erovnuli banki,rogorc instituti, dasustdes.– da es qveynisTvis kargia?– vin Tqva, rom kargia?! magram ar vici, ratom akeTeben amas, iseve,rogorc gaguberia, ratom daangries 2004 wels antimopopoliuri3

RamiT saakaSvilma Tqva, qveyanas Tavi SeaZula da amitom undagamocvliliyo. CemTvis gaugebaria, ra moxda. Tumca, meore mxriv, axaliaraferia, grZeldeba is, rac bolo oTxi wlis ganmavlobaSi iyo.– ambobT, rom erovnuli bankis dasusteba qveyanas ar waadgeba, magramviRacisTvis xom unda iyos saxeiro? visTvis?– aq SeiZleba, iyos ori tipis interesi: jer erTi, es SeiZleba,dakaSvirebuli iyos saxelmwifos usafrTxoebasTan: saxelmwifoinstitutebis ngreva saqarTvelos saxelmwifos dasustebaa da SesaZloa,es nabijebi mizanmimarTulad idgmebodes. meorec, es SeiZleba, iyosucodinrobis gamovlinebac: saqarTveloSi aseTi ram Camoyalbda – Tukacs ekonomikuri ganTleba ar aqvs, is neoliberalad iTvleba, anuucodinrobas Zalian lamazi saxeli moeZebna, maSin, rodesacsinamdvileSi neoliberalobas Zalian didi codna sWirdeba. Tumca arcimas gamovricxav, rom viRacis interesSia, rom sabanko sferozezegavlena SeZlos da, rogorc mogaxseneT, amisTvis dRes idealuridroa.– ra kavSiri aqvs zogadad saxelmwifos, maT Soris, eroanul bankskerZo bankebis mier gacemul kreditebze procentis dawesebasTan?– erovnuli banki uSvebs fasian qaRaldebs da amiT aregulireben kerZobankebi gacemul kreditze procents, Tu ra procents daadebs Tavisfasian qaRaldebs erovnuli banki. nebismieri bankisTvis Zalianmomgebiania erovnuli bankis mier gamoSvebuli fasiani qaRaldebisSeZena, imitom rom ufro daculia da amaSi SeiZleba, sakmaod maRaliprocentic miiRos. kerZo bankebisTvis es igive fulis gasesxebaa da, Tuerovnuli banki am fasian qaRaldze SedarebiT maRal procentsdaawesebs, es komerciuli bankis mier gacemul sesxzec awevs procents,radgan, Tu komerciul banks erovnuli banki 20 procents uxdis, maSinmas miscems sesxs da ara, vTqvaT, petres, romelic 20 procentze5

naklebis gadamxdelia. maSasadame, erovnul banks Tavisi fasianiqaRaldebis gayidviT aqvs meqanizmi, rom iribad moaxdinos zegavlenakerZo bankebis mier gacmuli sesxebis procentze.– maRalia Tu normaluri Cveni kerZo bankebis mier dawesebuliprocenti Cveni donis qveynisTvis?– amis Tqma cota rTulia, amitom sakiTxs ase davayeneb: Cvens qveyanasaqvs inflaciis problema da, rodesac inflacia maRalia, sabanko sesxiZvirdeba, radgan es aris erT-erTi meqanizmi imisa, rom SeamciromimoqcevaSi myofi fulis masa. Cvens qveyanaSi, raki inflaciuri wnexisakmaod maRalia, bunebrivia, erovnul banks sWirdeba, rom awios essaprocento gankveTi da mivdivarT aseT kuriozTan: rodesac 2008 wlisbiujeti ixileboda, biujetis proeqtiiT, 2008 wels mosalodnelisaprocento ganakveTi unda yofiliyo 18,9 procenti, maSin, rodesac 2007wels mosalodneli saprocento ganakveTi aris 21,1 procenti, magram esewinaaRmdegeba lado gurgeniZis gancxadebas, rom 2008 wels undagavaZviroT sabanko sesxi, imitom rom movTokoT inflaciao. me davusviamis Sesaxeb SekiTxva finansTa ministrs, magram man gaikvirva, saidanmovitane es cifrebi.– realuria, rom gaicema grZelvadiani da dabalprocentiani sesxebimcire biznesis gasaviTareblad?– realuria imdenad, rom mTavrobas aqvs es fuli, es sesxebi wavabiujetidan.– vin iqneba maTi gamcemi?– sxvadasxva saexlmwifo uwyebebi, magaliTad, soflis meurneobissaministro.– aqvs kanoniT es ufleba?6

– ar aqvs amis ufleba kanoniT. aris sxva meqanizmic. magaliTad,biujetSi weria, rom ekonomikis saministro SearCevs momsaxure banks,romelsac am Tanxas miscems 2 procentad da banks SeuZlia, es sesxigasces araumetes 12 procentad. arada cudia, Tu banki 20 procentadiZleva sesxs, amis paralelurad ki 12 procentiani sesxic aqvs, radganes angrevs sakredito bazars. es igivea, maRaziaSi puri zogierTimomxmareblisaTvis orjer Zviri Rirdes, vidre meoresaTvis, racSeuZlebelia. miuxedavad imisa, rom bankebs sxvadasxva pirobebi aqvs,TiTqmis Tanabaria sabanko sesxis procenti; warmoidgineT, banki gascems20-procentian sesxebs da amasTan mcire biznesisTvis aqvs 12-procentianisesxi. es sxvaoba cudia im TvalsazrisiT, rom gaxdeba korufciuligarigebebis safuZveli. meore mxriv, Tu premier-ministrs unda, romsabanko sesxi gaZvirdes da inflacia moiTokos, am procesze es iafikrediti uaryofiTad imoqmedebs, magram, Tu gvinda, rom mcire biznesiganviTardes da axal bizness xeli Seewyos, amisTvis iafi kreditebikargi sqemaa. anu amas aqvs Tavisi plusebic da minusebic: kargia, Tu esTanxa miznobrivad iqna gamoyenebuli, magram, imavdroulad, undavicodeT, rom es uaryofiTad aisaxeba sakredito bazarze, qmniskorufciuli garigebebis safrTxes da xels ar uwyobs inflaciisSemcirebas.– SesaZloa, rom erT romelime banks daevalos am kreditebis gacema?– ra Tqma unda, SeiZleba da swored aqedan mivdivarT erovnulibankisTvis sabanko zedamxedvelobis funqciis CamorTmevamde. TiTqmisSemiZlia, gamovicno romeli banki iqneba es, magram Segnebulad arvambob, sxvaTa Soris, SeiZleba, sulac ar iyos „saqarTvelos banki“.nino xaCiZe7