`oqros siaSi~ xelisuflebis favoritebi Sevlen~ - banksandfinance.ge

`xelisuflebam<br />

miznad dasaxa<br />

qveynis<br />

gazifikacia,<br />

rasac araswor<br />

nabijad vTvli~<br />

9<br />

16<br />

<strong>`oqros</strong> <strong>siaSi~</strong><br />

<strong>xelisuflebis</strong><br />

yovelkvireuli<br />

yovelkvireuli<br />

yovelkvireuli<br />

yovelkvireuli<br />

yovelkvireuli<br />

<strong>favoritebi</strong> <strong>Sevlen~</strong><br />

fasi fasi 50 50 TeTri<br />

TeTri<br />

gamodis 1995 wlidan, nomeri 10 (159) www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

ivnisi 24-30, 2008 weli. gamodis samSabaTobiT<br />

C M Y K<br />

daviT daviT ebraliZe<br />

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Procter&Gamble-is<br />

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2<br />

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15<br />

13<br />

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gv. 2<br />

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safinanso safinanso sferoa, sferoa, amas amas yvela yvela eTanxmeba, eTanxmeba, magram magram magram ekonomikis ekonomikis ekonomikis am<br />

am<br />

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qarTul<br />

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Tanxa Tanxa dakarga dakarga frangulma frangulma bankma bankma `sosiete `sosiete Jenerals~-ma, Jenerals~-ma, romel- romelromel- ic ic sakuTarma sakuTarma TanamSromelma TanamSromelma gayvlifa, gayvlifa, magram magram am am bankma bankma bankma mainc mainc<br />

mainc<br />

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dada safinanso safinanso sferosTvis sferosTvis did did mniSvnelobas mniSvnelobas mniSvnelobas atarebs atarebs atarebs britanbritan-<br />

uli uli bankis bankis bankis HSBC-is is Semosvla. Semosvla. igi igi igi universaluri universaluri safinanso<br />

safinanso<br />

struqturaa struqturaa da da misi misi saTavo saTavo saTavo ofisi ofisi londonSi londonSi mdebareobs.<br />

mdebareobs.<br />

HSBCoperirebs operirebs 82 82 saxelmwifoSi, saxelmwifoSi, sadac sadac 10 10 000-ze 000-ze meti meti meti filfil-<br />

iali iali aqvs. aqvs. britanuli britanuli sabanko sabanko gigantis gigantis aqciebi aqciebi niu-iorkis,<br />

niu-iorkis,<br />

parizis,parizis, hong-kongisa hong-kongisa hong-kongisa da da da londonis londonis safondo safondo birJebzea birJebzea birJebzea gan- gan- gan-<br />

Tavsebuli. Tavsebuli. saerTaSoriso saerTaSoriso gamocemis gamocemis `faineSel `faineSel Taimsis~ Taimsis~ reit- reitreit- ingiT, ingiT, HSBC-holdingi -holdingi jamuri jamuri aqtivebiT aqtivebiT da da da kapitalizaciis<br />

kapitalizaciis<br />

maCvenebliT maCvenebliT msoflio msoflio msoflio wamyvani wamyvani bankebis bankebis xuTeulSi xuTeulSi Sedis. Sedis. am<br />

am<br />

donis donis sabanko sabanko institutis institutis Semosvla Semosvla Cvens Cvens qveyanaSi qveyanaSi arsebiTad<br />

arsebiTad<br />

Secvlis Secvlis sabanko-safinanso sabanko-safinanso sfroSi sfroSi arsebul arsebul situacias. situacias. es es imas<br />

imas<br />

niSnavs, niSnavs, niSnavs, rom rom qarTuli qarTuli bankebi bankebi bankebi realurad realurad realurad ebmebian ebmebian msoflios msoflios<br />

msoflios<br />

wamyvanwamyvanwamyvan bankebTan bankebTan konkurenciaSi. konkurenciaSi. dRemde dRemde CvenTan CvenTan mainc mainc mainc qarTuqarTulili<br />

ga<strong>ge</strong>bis ga<strong>ge</strong>bis konkurencia konkurencia iyo, iyo, mTels mTels mTels sabanko sabanko sistemaSi sistemaSi ganviganvi- ganvi- ganvi-<br />

Tarebuli Tarebuli procesebi procesebi ZiriTadad ZiriTadad saerTo saerTo xasiaTs xasiaTs atarebda, atarebda, anu<br />

anu<br />

TiTqos TiTqos SeTanxmebulad SeTanxmebulad moqmedebdnen. moqmedebdnen. moqmedebdnen. saqarTveloSi saqarTveloSi HSBC-is -is<br />

saqmianobis saqmianobis pirvelive pirvelive nabijebSi nabijebSi gamoCnda, gamoCnda, rom rom adgilobriv<br />

adgilobriv<br />

bankebs bankebs bankebs misTvis misTvis konkurenciis konkurenciis gasawevad gasawevad seriozuli seriozuli seriozuli oflis oflis Rvra<br />

Rvra<br />

mouwevT.<br />

mouwevT.<br />

`sonicentris~ gamo amerikeli kongresmenebis jgufma<br />

saqarTvelos mTavrobas saprotesto weriliT mimarTa<br />

amerikis amerikis SeerTebuli SeerTebuli Statebis Statebis kongresmenTa kongresmenTa jgufi<br />

jgufi<br />

gv. gv. gv. gv. gv. 2<br />

saqarTvelossaqarTvelos premier-ministrs premier-ministrs lado lado gur<strong>ge</strong>niZesa gur<strong>ge</strong>niZesa da da saqarTvesaqarTvelosloslos<br />

mTavrobas mTavrobas mTavrobas amerikuli amerikuli amerikuli investiciebis investiciebis investiciebis dauyovnebliv dauyovnebliv dauyovnebliv aRdaRdaRd<strong>ge</strong>nas<strong>ge</strong>nas sTxovs. sTxovs. sTxovs. amis amis Sesaxeb Sesaxeb `interpresniuss~ `interpresniuss~ `sonicentri`sonicentri-<br />

`sonicentri-<br />

`sonicentri`sonicentri-<br />

Tbilisdan~ Tbilisdan~ acnobes.<br />

acnobes.<br />

rogorcrogorc lado lado gur<strong>ge</strong>niZisadmi gur<strong>ge</strong>niZisadmi kongresmenebis kongresmenebis mier mier miwmiw-<br />

eril eril werilSia werilSia naTqvami, naTqvami, amerikuli amerikuli investicia, investicia, romelic<br />

romelic<br />

amerikul amerikul kompanias kompanias hqonda hqonda Cadebuli Cadebuli TbilisSi, TbilisSi, kerZod<br />

kerZod<br />

rusTavelis rusTavelis #30-Si, #30-Si, unda unda daubrundes daubrundes daubrundes im im adgils, adgils, sadac sadac 2007<br />

2007<br />

wlis wlis agvistos agvistos aralegal aralegal aralegalur aralegal aralegalur<br />

ur gamosaxlebamde gamosaxlebamde iyo. iyo. garda garda garda amisa,<br />

amisa,<br />

amerikeliamerikeli kongresmenebi kongresmenebi aRniSnaven, aRniSnaven, rom rom mTavrobam mTavrobam miyenebumiyenebumiyenebu- li li ziani ziani kompaniebs kompaniebs unda unda aunazRauros.<br />

aunazRauros.<br />

aunazRauros.<br />

`amis `amis aRd<strong>ge</strong>na aRd<strong>ge</strong>na Tqveni Tqveni mTavrobisTvis mTavrobisTvis ara ara marto marto kargi kargi iqneba,<br />

iqneba,<br />

aramed aramed advili advili mosaxerxebelic mosaxerxebelic aris. aris. Tu Tu saqarTvelos saqarTvelos saqarTvelos mTavroba mTavroba<br />

mTavroba<br />

ar ar ar gamoasworebs gamoasworebs gamoasworebs am am am situacias, situacias, situacias, is is is riskis riskis riskis qveS qveS daayenebs daayenebs<br />

daayenebs<br />

amerikidan amerikidan Semdgomi Semdgomi investiciebis investiciebis ganxorcielebas~,ganxorcielebas~,ganxorcielebas~, - - `sonicen`sonicentri-Tbilisis~tri-Tbilisis~<br />

cnobiT, cnobiT, aRniSnulia aRniSnulia aRniSnulia aSS-is aSS-is kongresis kongresis warmowarmo-<br />

mad<strong>ge</strong>nelTa mad<strong>ge</strong>nelTa mad<strong>ge</strong>nelTa palatis palatis wevris wevris dana dana rohranbaxeris rohranbaxeris werilSi,<br />

werilSi,<br />

romelic kongresmenTa jgufis saxeliT aris aris momzadebuli.<br />

momzadebuli.<br />

rogorcrogorc rohranbaxeri rohranbaxeri acxadebs, acxadebs, SeSfoTebulia SeSfoTebulia im im sirTusirTu-<br />

leebis leebis gamo, gamo, gamo, romlebsac romlebsac romlebsac amerikuli amerikuli kompania kompania waawyda<br />

waawyda<br />

saqarTveloSi. saqarTveloSi. `am `am kompaniis kompaniis mTavari mTavari ofisi ofisi kaliforniaSia.<br />

kaliforniaSia.<br />

kompaniakompania importirebas importirebas uwevs uwevs produqtebs produqtebs yofil yofil yofil sabWoTa sabWoTa kav- kav- kav-<br />

Siris Siris qveynebSi, qveynebSi, maT maT Soris Soris - - saqarTveloSi. saqarTveloSi. saqarTveloSi. kompania kompania saqarTvelo-<br />

saqarTvelo-<br />

Si Si 2002 2002 wlidan wlidan moRvaweobs. moRvaweobs. mas mas `kafe `kafe rusTavelSi~ rusTavelSi~ da da `laz- `laz`lazeri-2eri-2 TbilisSi~ TbilisSi~ 50-procentiani 50-procentiani wili wili aqvs. aqvs. aqvs. `lazeri `lazeri 2~ 2~ `so`so-<br />

nis~ nis~ produqciis produqciis saqarTveloSi saqarTveloSi distribuciis distribuciis uflebas uflebas flobs.<br />

flobs.<br />

`kafe `kafe rusTaveli~ rusTaveli~ ki ki popularuli popularuli restorani restorani iyo iyo TbilisSi.<br />

TbilisSi.<br />

me me me maqvs maqvs maqvs informacia, informacia, rom rom rom am am am or or or kompanias kompanias aqvs aqvs aqvs grZelvadiani<br />

grZelvadiani<br />

grZelvadiani<br />

ijaraijara Tbilisis Tbilisis Tbilisis erT-erT erT-erT prestiJul prestiJul ubanSi, ubanSi, rusTavelis rusTavelis rusTavelis #30#30- #30- #30#30- Si~,- Si~,- aRniSnulia aRniSnulia gancxadebaSi gancxadebaSi da da ganmartebulia, ganmartebulia, rom rom rusTave- rusTaverusTave- lis lis #30-Si #30-Si mdebare mdebare farTi farTi farTi misma misma mflobelma mflobelma saqarTvelos<br />

saqarTvelos<br />

saqarTvelos<br />

ekonomikis ekonomikis saministros saministros misca, misca, saministro saministro ki ki valdebuli valdebuli iyo,<br />

iyo,<br />

wina wina mflobelis mflobelis pirobebSi, pirobebSi, kompaniebTan kompaniebTan dadebuli dadebuli saijaro<br />

saijaro<br />

xelSekrulebisTvis xelSekrulebisTvis xelSekrulebisTvis pativi pativi eca.<br />

eca.

---

#159<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

britanuli giganti HSBC saqarTvelos<br />

sabanko sistemas Tavdayira ayenebs<br />

/dasawyisi /dasawyisi 1 1 gv./<br />

gv./<br />

bolo periodSi qarTuli sabanko<br />

sferos mTavari siaxle saprocento<br />

ganakveTebis SesamCnevi zrdaa.<br />

procentebma moimata Cvens bazarze<br />

arsebul TiTqmis yvela bankSi,<br />

gamonaklisebs iseTi safinanso institutebi<br />

warmoad<strong>ge</strong>nen, romlebsac iaf<br />

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aseT bankTa CamonaTvalSi pirvel<br />

rigSi unda davasaxeloT `baki respublika~,<br />

romelic franguli `sosiete<br />

Jenerales~ Svilobili kompaniaa.<br />

eqspertebi da praqtikosi analitikosebi<br />

aRiareben, rom HSBC-s<br />

SeuZlia saprocento ganakveTebis Semcirebis<br />

lokomotivi gaxdes. `banki<br />

respublikaSi~ acxadeben, rom `HS-<br />

BC banki - saqarTvelos~ wamowyebas<br />

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reaqcia da ipoTekur sesxebze ganakveTebis<br />

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rogorc `HSBC banki - saqarTvelos~<br />

direqtoris moadgilem lado<br />

robaqiZem 17 ivniss gadacema `kapital-<br />

Si~ (telekompania `mze~) ganacxada, britanuli<br />

banki Tavdapirvelad poziciebis<br />

gamyarebas ipoTekuri dakreditebis<br />

bazarze apirebs da Sesabamisad wliuri<br />

saprocento ganakveTis maqsimalur<br />

zRvars 17%-iT gansazRvravs, minimaluri<br />

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saTavo ofisidan miRebuli aqvs<br />

nebarTva, gamoiyenos nebismieri raodenobis<br />

sakredito resursi.<br />

britanuli bankis saqarTveloSi<br />

Semosvlis Semdeg, makroekonomikis<br />

eqsperti, profesori merab kakulia<br />

sabanko sferoSi klimatis seriozul<br />

`nacvlad amisa, ekonomikis saministrom<br />

biznesmenebs teritoriis<br />

datoveba ubrZana. rodesac kompaniebma<br />

gaaprotestes da Tqves, rom kanonis<br />

mixedviT darCenis ufleba aqvT,<br />

ekonomikis saministrom 2007 wlis<br />

agvistoSi rusTavelis 30-Si 200<br />

policieli SeuSva da kompaniebi ai-<br />

Zula, Senoba daetovebinaT~,- naTqvamia<br />

werilSi.<br />

masSi aRniSnulia, rom 2007 wlis<br />

agvistos Semdeg kompaniebma milionobiT<br />

dolaris zarali ganicades.<br />

`CemTvis cnobilia, rom saqarTvelos<br />

saxalxo damcveli kompaniebis<br />

mxares aris. man moiTxova mTavrobisgan<br />

situaciis gamosworeba.<br />

CemTvis cnobilia isic, rom kompaniebma<br />

mTavrobas SesTavazes Zalian<br />

gonivruli gamosavali, rac Semdeg-<br />

Si mdgomareobs - darCnen SenobaSi<br />

da 2007 wlis agvistodan miyenebuli<br />

zarali aunazRaurdeT. me vxvdebi,<br />

rom am biznesis aRd<strong>ge</strong>na ara<br />

marto amerikeli investorebis kompensireba<br />

iqneba, aramed saqarTvelos<br />

60 moqalaqes daubrunebs samuSao<br />

adgilebs. rusTavelis #30-Si<br />

cvlilebas elis `rogorc Cans, HSBCim<br />

qarTul bazarze agresiuli marketinguli<br />

strategia airCia. mas sesxze<br />

sar<strong>ge</strong>blis SedarebiT dabali ganakveTi<br />

saSualebas miscems, seriozuli<br />

konkurencia gauwios wamyvan qarTul<br />

bankebs, romelTa umetesobac iafi<br />

grZelvadiani sakredito resursebis<br />

naklebobas ganicdis. savaraudod, HS-<br />

BC aqtiurad Seecdeba Tavisi adgili<br />

daimkvidros bazris rogorc sacalo,<br />

ise korporaciul segmentebze,<br />

risTvisac erTob saintereso sabanko<br />

produqtebs SemogvTavazebs. britanuli<br />

sabanko gigantis aseTma qcevam, sa-<br />

Sualovadian perspeqtivaSi, SesaZloa<br />

saqarTvelos sabanko landSaftis<br />

sagrZnobi cvlileba gamoiwvios~.<br />

HSBC-is SesaZleblobebSi eWvi<br />

aravis epareba, Tumca `saqarTvelos<br />

bankebis asociaciis~ prezidenti<br />

zurab gvasalia miiCnevs, rom am banks<br />

warmatebuli saqmianobis SesaZleblobas<br />

saqarTveloSi arsebuli sxva Sesa-<br />

Zleblobebic aZlevs da aucilebeli<br />

ar aris, rom man saprocento ganakveTebi<br />

daswios, `HSBC Tu momxmarebels<br />

sesxebze dabal saprocento ganakveTebs<br />

SesTavazebs, cxadia, bazris sxva<br />

moTamaSeebic daweven saprocento<br />

ganakveTs. meore sakiTxia ramdenad<br />

uRirs HSBC-s sesxebis iafad gacema,<br />

roca saqarTveloSi refinansirebis<br />

ganakveTi 18%-ia (sadepozito ser-<br />

Tifikatebi) da mas nulovani riskiT<br />

seb-is am instrumentSi Tanxebis dabandeba<br />

ufro mom<strong>ge</strong>bianad SeuZlia~.<br />

britanuli sabanko gigantis Semosvla<br />

qarTul sabanko seqtorSi seriozul<br />

Zvrebs rom daudebs safuZvels,<br />

amaSi eWvi aravis epareba. Tumca,<br />

moklevadian periodSi mniSvnelovan<br />

cvlilebebs ar unda velodeT,<br />

radgan mxolod axali tipis momsaxurebebiTa<br />

da ukeTesi pirobebis momxmareblisTvis<br />

SeTavazebiT warmatebis<br />

miRweva Znelia. jerjerobiT,<br />

HSBC-s saqarTveloSi gamarTuli<br />

infrastruqtura ar gaaCnia. filialebis<br />

farTo qselisa da sxva sabanko<br />

teqnologiebis danergvas dro<br />

sWirdeba. saqarTveloSi axladSemosuli<br />

britanuli banki wlis bolomde<br />

mxolod ori filialiT, rusTavelisa<br />

da gamsaxurdias gamzirze<br />

iqneba warmod<strong>ge</strong>nili.<br />

asea Tu ise, HSBC-is saqarTvelo-<br />

Si Semosvla udidesi mniSvnelobis<br />

movlenaa. sabanko sfero marTlac<br />

aris yvelaze ganviTarebuli da ganviTarebadi<br />

seqtori qarTul ekonomikaSi.<br />

am bazarze britanuli bankis<br />

Semosvlis Semdeg Cveni sabanko-safinanso<br />

segmentis ganviTarebaSi axali<br />

etapi iwyeba. axalma garemom da damatebiTma<br />

konkurenciam kidev ufro<br />

unda gamoacocxlos ara marto<br />

qarTuli sabanko seqtori, aramed<br />

mTlianad ekonomika.<br />

zurab zurab kukulaZe<br />

kukulaZe<br />

`sonicentris~ gamo amerikeli kongresmenebis jgufma<br />

saqarTvelos mTavrobas saprotesto weriliT mimarTa<br />

/dasawyisi /dasawyisi 1 1 gv./<br />

gv./<br />

mdebare adgils daubrundeba produqtiuli<br />

daniSnulebac, romelic 2007<br />

wlis agvistos aralegaluri gamosaxlebis<br />

Semdeg gamouyenebelia~,aRniSnulia<br />

gancxadebaSi da naTqvamia,<br />

rom amis miuxedavad, saqarTvelos<br />

mTavrobas mdgomareobis gamosasworeblad<br />

araferi gaukeTebia.<br />

amerikeli kongresmenebi saqarTvelos<br />

mTavrobis damokidebulebas<br />

amerikuli investiciebisadmi miuRebels<br />

uwodeben da aRniSnaven, rom<br />

es ewinaaRmde<strong>ge</strong>ba saqarTvelos<br />

mTavrobis warmosaxvas kanonis pativiscemasTan<br />

dakavSirebiT. `saqarTvelos<br />

Nota bene<br />

mTavroba, erTi mxriv, arafers akeTebs,<br />

daicvas amerikuli investiciebi, daexmaros<br />

amerikel investorebs da, meore<br />

mxriv, amerikis mTavrobas daxmarebas<br />

sTxovs ruseTTan urTierTobis<br />

mogvarebaSi.<br />

kongresSi Cemma megobrebma, Cemma<br />

kole<strong>ge</strong>bma aSS-is saxelmwifo departamentSi<br />

da sxvagan aRmasrulebel<br />

xelisuflebaSi ician saqarTvelos<br />

mTavrobis damokidebuleba am situaciisadmi~,-<br />

aRniSnavs werilSi aSSis<br />

kongresis warmomad<strong>ge</strong>nelTa palatis<br />

wevri dana rohranbaxeri.<br />

interpresniusi<br />

interpresniusi<br />

Procter&Gamble-is produqciis distribucias<br />

saqarTveloSi Temur Wyonias dafuZnebuli<br />

axali kompania ganaxorcielebs<br />

valeri valeri amiranaSvili amiranaSvili (mTavari (mTavari redaqtori) redaqtori) redaqtori) badri badri beraia beraia (gamomcemeli) (gamomcemeli) zurab zurab kukulaZe kukulaZe (redaqtori) (redaqtori) ani ani zedelaSvili zedelaSvili cico cico kaikaciSvili kaikaciSvili levan<br />

levan<br />

kalandaZe kalandaZe zurab zurab Rlonti Rlonti giorgi giorgi isakaZe isakaZe armaz armaz TavaZe TavaZe biZina biZina niJaraZe niJaraZe elguja elguja meqvabiSvili<br />

meqvabiSvili meqvabiSvili givi givi gamsaxurdia gamsaxurdia giorgi giorgi giorgaZe giorgaZe vaJa vaJa beriZe<br />

beriZe<br />

(saredaqcio (saredaqcio sabWos sabWos Tavmjdomare) Tavmjdomare)<br />

kompiuteruli kompiuteruli da da teqnikuri teqnikuri uzrunvelyofa:<br />

uzrunvelyofa:<br />

levan levan beglariSvili<br />

beglariSvili<br />

gamomcemeli<br />

gamomcemeli<br />

gazeTSi azeTSi azeTSi azeTSi azeTSi gamoyenebulia gamoyenebulia gamoyenebulia gamoyenebulia gamoyenebulia Semdegi Semdegi Semdegi Semdegi Semdegi<br />

Sps Sps Sps `mariota~<br />

`mariota~<br />

saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis saa<strong>ge</strong>ntoebis masalebi: masalebi: masalebi: masalebi: masalebi:<br />

`interpresniusi~, `interpresniusi~, `interpresniusi~, `interpresniusi~, `interpresniusi~, `GBC” ``<br />

``<br />

bankebi_f@yahoo.com<br />

daviT daviT faxuriZe<br />

faxuriZe<br />

Tamaz Tamaz Tamaz Sen<strong>ge</strong>lia<br />

Sen<strong>ge</strong>lia<br />

irina irina nafetvariZe<br />

nafetvariZe<br />

koreqtura koreqtura - - naTela naTela bokeria<br />

bokeria<br />

tel: tel: 92-39-76<br />

92-39-76<br />

tiraJis tiraJis nawili nawili vrceldeba vrceldeba istebliSmentis istebliSmentis istebliSmentis siiT<br />

siiT<br />

eleqtronuli versia ixileT misamarTze:<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

2<br />

msoflioSi cnobili kompania Procter&Gamble-is produqciis distributori<br />

`koka-kola boTlers jorjias~ prezidentis, Temur Wyonias mier<br />

dafuZnebuli kompania xdeba.<br />

rogorc Temur Wyoniam ganacxada, Procter&Gamble-gan SeTavazeba ukve<br />

miRebulia.<br />

produqciis distribucias ara uSualod `koka-kola,~ aramed am miznisTvis<br />

Seqmnili sadistribucio kompania ganaxorcielebs, romelsac Temur Wyonia<br />

daaafuZnebs. rogorc Wyonia acxadebs, TanamSromlobiT Tavad Procter&Gamblei<br />

dainteresda. `Cven arc konkursSi migviRia monawileoba da arc arasodes<br />

gamogviTqvams survili es saqmianoba gagvexorcielebina, Tumca kompaniis<br />

warmomad<strong>ge</strong>nlebis ganmartebiT, Cven maTi strategiuli partiorebi varT,~<br />

- ganmartavs Wyonia.<br />

Tu rodidan gamoCndeba bazarze Procter&Gamble-is produqcia jerjerobiT<br />

ucnobia. konkretuli detalebis gamJRavnebisgan Wyonia, im mizeziT,<br />

rom molaparakebebi jer kidev grZeldeba, Tavs ikavebs.<br />

Procter&Gamble-is produqciis distribucias saqarTveloSi kompania<br />

`arti-jgufi~ 11 wlis ganmavlobaSi axorcielebda. `arti-jgufi~ holdinguri<br />

kompania iyo, romelic saqarTvelos, azerbaijanisa da somxeTis bazrebs<br />

Procter&Gamble-is produqciiT amara<strong>ge</strong>bda. rogorc Wyonia acxadebs,<br />

TanamSromlobis SemTxvevaSi axali sadistribucio kompania Procter&Gambleis<br />

produqciiT mxolod saqarTvelos bazars moamar<strong>ge</strong>bs da mas araferi<br />

eqneba saerTo `arti-jgufTan~.<br />

www.GBC.<strong>ge</strong><br />

midixarT dasasveneblad?<br />

gamokiTxva<br />

gamokiTxva<br />

gamokiTxva<br />

gamokiTxva<br />

gamokiTxva<br />

`axalgazrda finansistTa da biznesmenTa asociaciis~ sociologiuri<br />

da marketinguli kvlevebis centrma - “IPL” da `bankebi da finansebis~<br />

sociologiurma jgufma Caatara moqalaqeTa satelefono gamokiTxva.<br />

gamoikiTxa 337 Tbiliseli. gamokiTxvam aseTi suraTi aCvena:<br />

1. 1. apirebT apirebT Tu Tu ara ara ara am am zafxuls zafxuls dasasveneblad dasasveneblad wasvlas?<br />

wasvlas?<br />

a) diax - 201 xma (59.6%)<br />

b) ara - 136 xma (40.3%)<br />

2. 2. 2. Tu Tu waxvalT, waxvalT, sad sad daisvenebT?<br />

daisvenebT?<br />

a) zRvaze - 75 xma (37.3%)<br />

b) mTaSi - 41 xma (20.3%)<br />

g) TurqeTSi - 17 xma (8.4%)<br />

d) ucxoeTSi (sxva qveyanaSi, garda TurqeTisa) - 6 xma (3%)<br />

e) sakuTar sofelSi - 62 xma (30.8%)<br />

apirebT apirebT Tu Tu ara ara am am zafxuls zafxuls dasasveneblad dasasveneblad dasasveneblad wasvlas?<br />

wasvlas?<br />

Tu Tu waxvalT, waxvalT, sad sad daisvenebT?<br />

daisvenebT?<br />

gamokiTxvam aCvena, rom Tbiliselebis TiTqmis naxevari (40,3%) qalaqidan<br />

gasvlas da dasvenebas ar apirebs, rac sakmaod STambeWdavi cifria.<br />

aseve sakmaod gazrdilia imaTi ricxvi, vinc TurqeTSi apirebs dasvenebas<br />

(8,4%). tradiciulad maRalia imaTi raodenoba, vinc sofelSi apirebs zafx-<br />

ulis gatarebas, iq, saidanacaa warmoSobiT misi ojaxi an winaprebi - 30,8%.<br />

“b&f” “b&f” sociologiuri sociologiuri jgufi<br />

jgufi

---

#159<br />

ivnisi<br />

ivnisi<br />

<strong>`oqros</strong> <strong>siaSi~</strong> <strong>xelisuflebis</strong><br />

rCeulebi <strong>Sevlen~</strong><br />

- sainteresoa, rogori iqneba<br />

zogadad aseTi saqmianobis sakanonmdeblo<br />

baza. vinaidan, rac ar unda<br />

SeRavaTiani kanonmdebloba arsebobdes<br />

romelime sferoSi, sakuTari<br />

Tavisa da sakuTari <strong>favoritebi</strong>sTvis<br />

Cvens xelisuflebas mudmivad gaaCnia<br />

ara <strong>`oqros</strong>~, aramed `briliantis~<br />

sia, romelzec ar vrceldeba<br />

araviTari kanonmdebloba. saubari<br />

imaze, rom garkveuli biznesisTvis<br />

iyos SeRavaTi procedurebis gatarebisas,<br />

rac daakanonebs garkveul<br />

xvrels, romelic sabaJo procedure-<br />

soso soso ciskariSvili<br />

ciskariSvili<br />

bis gverdis avliT advilad gamoyenebadi<br />

iqneba, Zalian damafiqrebelia,<br />

rom nacvlad warmoebis xelSewyobisa<br />

kanonmdeblobis TvalsazrisiT<br />

da nacvlad saeqsporto saqmianobis<br />

mxardaWerisa, isev vaWrobis momen-<br />

``Tu ``Tu migiwvdaT migiwvdaT xeli xeli im im ``Savbnel ``Savbnel siaze``, siaze``, sadac<br />

sadac<br />

Camowerilia Camowerilia yvela yvela is is sawarmo, sawarmo, romelic romelic uzarmazari<br />

uzarmazari<br />

Tanxebs Tanxebs ricxavda ricxavda ``nacionaluri ``nacionaluri ``nacionaluri moZraobis``<br />

moZraobis``<br />

saarCevno saarCevno angariSze, angariSze, maTi maTi identuroba identuroba dagarwmunebT,<br />

dagarwmunebT,<br />

ratom ratom iyo iyo saWiro saWiro am am organizaciebis organizaciebis gamoyofa.``<br />

gamoyofa.``<br />

- - sagadasaxado sagadasaxado kodeqsSi kodeqsSi cvlilebebis cvlilebebis ax- ax- axax- ali ali proeqti proeqti Sedis, Sedis, Tqveni Tqveni Tqveni azriT, azriT, realurad<br />

realurad<br />

sagadasaxado sagadasaxado tvirTis tvirTis aseT aseT Semsubuqebas Semsubuqebas ra<br />

ra<br />

Sede<strong>ge</strong>bi Sede<strong>ge</strong>bi mohyveba mohyveba daqiravebulebisTvis?<br />

daqiravebulebisTvis?<br />

- roca socialuri gadasaxadi gauqmda,<br />

damsaqmeblebs seriozuli SeRavaTi gaukeTdaT.<br />

saSemosavlo gadasaxadi daqiravebulis gadasaxadia<br />

da misi valdebuleba biujetis winaSe<br />

mewarmes ar exeba, magram Cvens realobaSi adamiani<br />

xelfass imas eZaxis, rasac xelze iRebs<br />

da naklebad ainteresebs valdebuleba kanonis<br />

mixedviT. amitom damqiravebeli iZulebulia<br />

mas, vinc gansakuTrebiT sWirdeba, iseTi xelfasi<br />

misces, rom daqviTvis Semdeg realuri<br />

Tanxa darCes, Tu ara da xelfasis garkveuli<br />

nawili CrdilSi unda gadaitanos. saSemosavlo<br />

gadasaxadis 25%mde zrda swori gadawyvetileba<br />

ar iyo, faqtobrivad igi gaormagda<br />

da realurad bevris xelfasi Semcirda. rac<br />

tia Cvens sakanonmdeblo organosa<br />

da xelisuflebaSi zogadad. aseTi<br />

midgomebi Cagravs da amarcxebs warmoebis<br />

sferos. ukve gadavediT raRac<br />

bavSvuri TamaSebis terminologiaze,<br />

vqmniT raRac <strong>`oqros</strong> sias~. netav<br />

ra dajdeba mewarmisTvis am <strong>`oqros</strong><br />

<strong>siaSi~</strong> moxvedra, ra unda gaiRos man<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

`<strong>xelisuflebis</strong> favoritoba<br />

sakmaod saxifaToa~<br />

finansTafinansTafinansTa finansTa finansTa ministris ministris ministris ministris ministris nika nika nika nika nika gilauris gilauris gilauris gilauris gilauris informaciiT, informaciiT, informaciiT, informaciiT, informaciiT, Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba <strong>`oqros</strong> <strong>`oqros</strong> <strong>`oqros</strong> <strong>`oqros</strong> <strong>`oqros</strong> sia~, sia~, sia~, sia~, sia~, romelSic romelSic romelSic romelSic romelSic arakrimiarakrimiarakrimiarakrimiarakriminalurinalurinalurinalurinaluri warsulis warsulis warsulis warsulis warsulis mqone, mqone, mqone, mqone, mqone, kargi kargi kargi kargi kargi gadamxdeli gadamxdeli gadamxdeli gadamxdeli gadamxdeli importiorebi importiorebi importiorebi importiorebi importiorebi gaerTiandebian gaerTiandebian gaerTiandebian gaerTiandebian gaerTiandebian da da da da da maTTvis maTTvis maTTvis maTTvis maTTvis sabaJo sabaJo sabaJo sabaJo sabaJo propropropropro- cedurebi cedurebi cedurebi cedurebi cedurebi gamartivdeba. gamartivdeba. gamartivdeba. gamartivdeba. gamartivdeba. am am am am am informaciis informaciis informaciis informaciis informaciis gavrcelebam, gavrcelebam, gavrcelebam, gavrcelebam, gavrcelebam, cxadia, cxadia, cxadia, cxadia, cxadia, sazogadoebaSi sazogadoebaSi sazogadoebaSi sazogadoebaSi sazogadoebaSi bevri bevri bevri bevri bevri gansxvavebuli<br />

gansxvavebuli<br />

gansxvavebuli<br />

gansxvavebuli<br />

gansxvavebuli<br />

azri azri azri azri azri dabada. dabada. dabada. dabada. dabada. ramdenad ramdenad ramdenad ramdenad ramdenad windaxeduli windaxeduli windaxeduli windaxeduli windaxeduli nabijia nabijia nabijia nabijia nabijia es es es es es <strong>xelisuflebis</strong> <strong>xelisuflebis</strong> <strong>xelisuflebis</strong> <strong>xelisuflebis</strong> <strong>xelisuflebis</strong> mxridan, mxridan, mxridan, mxridan, mxridan, ra ra ra ra ra Sede<strong>ge</strong>bs Sede<strong>ge</strong>bs Sede<strong>ge</strong>bs Sede<strong>ge</strong>bs Sede<strong>ge</strong>bs gamoiRebs gamoiRebs gamoiRebs gamoiRebs gamoiRebs da da da da da<br />

vin vin vin vin vin moxvdeba moxvdeba moxvdeba moxvdeba moxvdeba am am am am am `prestiJul~ `prestiJul~ `prestiJul~ `prestiJul~ `prestiJul~ siaSi, siaSi, siaSi, siaSi, siaSi, ra ra ra ra ra gavlenas gavlenas gavlenas gavlenas gavlenas moaxdens moaxdens moaxdens moaxdens moaxdens es es es es es adgilobrivi adgilobrivi adgilobrivi adgilobrivi adgilobrivi warmoebis warmoebis warmoebis warmoebis warmoebis ganviTarebaze,<br />

ganviTarebaze,<br />

ganviTarebaze,<br />

ganviTarebaze,<br />

ganviTarebaze,<br />

am am am am am sakiTxebTan sakiTxebTan sakiTxebTan sakiTxebTan sakiTxebTan dakavSirebiT dakavSirebiT dakavSirebiT dakavSirebiT dakavSirebiT `bankebi `bankebi `bankebi `bankebi `bankebi da da da da da finansebi~ finansebi~ finansebi~ finansebi~ finansebi~ eqspert eqspert eqspert eqspert eqspert soso soso ciskariSvils ciskariSvils gaesaubra. gaesaubra. gaesaubra. gaesaubra. gaesaubra.<br />

aseTi aRiarebisTvis? ar aris aucilebloba<br />

aseTi TamaSebisa, jobs<br />

arsebuli kanonmdebloba davicvaT<br />

yvelam, xolo Tu vinme ar icavs, ar<br />

aris kargi gadamricxveli biujet-<br />

Si, mas `vercxlisa~ da `brinjaos~<br />

sia ki ar unda emuqrebodes, aramed<br />

sruliad mkafio administraciuli<br />

samarTlis konkretuli muxlebi.<br />

amdenad, kidev erTi TiTqosda<br />

waxaliseba biznesis mimarT xelisuflebas<br />

SesaZlo vadamdeli adgilobrivi<br />

arCevnebisaTvis sWirdeba. sxva<br />

aucilebloba ekonomikiuri TvalsazrisiT,<br />

aseTi TamaSisa, ar arsebobs.<br />

- - Tqveni Tqveni azriT azriT, azriT mainc mainc ratom<br />

ratom<br />

dasWirdadasWirda xelisuflebas xelisuflebas importior- importior- importior-<br />

Ta Ta waxaliseba? waxaliseba? waxaliseba? qarTuli qarTuli bazari bazari bazari ise- iseise- dac dac gajerebulia gajerebulia importirebuli<br />

importirebuli<br />

saqonliT,saqonliT, importiorebs importiorebs xels xels uwyuwyuwy- obs obs amJamindeli amJamindeli gamyarebuli gamyarebuli laris laris<br />

laris<br />

kursickursic da da a.S. a.S. mokled, mokled, maTTvis maTTvis maTTvis iseise-<br />

dac dac komfortuli komfortuli komfortuli garemoa garemoa Seqmnili. Seqmnili.<br />

Seqmnili.<br />

- rodesac naxavT e. w. <strong>`oqros</strong><br />

sias~ da Tu migiwvdaT xeli Semdgom<br />

im `Savbnel siaze~, sadac Camowerilia<br />

yvela is sawarmo, romelic<br />

uzarmazari Tanxebs ricxavda `nacionaluri<br />

moZraobis~ saarCevno angariSze,<br />

maTi identuroba dagarwmunebT,<br />

ratom iyo saWiro am organizaciebis<br />

gamoyofa.<br />

- - qveyanaSi, qveyanaSi, sadac sadac adgilobrivi<br />

adgilobrivi<br />

warmoeba warmoeba faqtiurad faqtiurad ar ar arsebobs,<br />

arsebobs,<br />

importsimports Zalian Zalian didi didi yuradReba yuradReba eTeT-<br />

moba. moba. ras ras ras niSnavs niSnavs es, es, ras ras moutans moutans<br />

moutans<br />

aseTi aseTi midgoma midgoma qveyanas? qveyanas?<br />

qveyanas?<br />

- moutans imas, rac ukve mou-<br />

tana - uzarmazari savaWro deficiti.,<br />

romelic sul ufro mZimed aisaxeba<br />

mTlianad ekonomikur situaciaze.<br />

saeqsporto warmoebis ganviTarebis<br />

gareSe ar Seiqmneba samuSao adgilebi,<br />

radgan saeqsporto warmoeba gax-<br />

`<strong>`oqros</strong> `<strong>`oqros</strong> siis`` siis`` siis`` Semad<strong>ge</strong>nel Semad<strong>ge</strong>nel sawarmoebs sawarmoebs sawarmoebs Tavad Tavad didi<br />

didi<br />

xalisi xalisi ar ar unda unda hqondeT, hqondeT, radganac radganac <strong>xelisuflebis</strong><br />

<strong>xelisuflebis</strong><br />

<strong>xelisuflebis</strong><br />

favoritoba favoritoba sakmaod sakmaod saxifaToa. saxifaToa. radgan radgan maT maT maT mier<br />

mier<br />

favoritad favoritad aRiarebul aRiarebul sawarmoebs sawarmoebs yovelTvis yovelTvis yovelTvis yvelaze yvelaze<br />

yvelaze<br />

meti meti ukanono ukanono xarji xarji aqvT.``<br />

aqvT.``<br />

lavT dasaqmebis yvelaze ufro saimedo<br />

niSa. amdenad, gamomdinare Cveni<br />

<strong>xelisuflebis</strong> sulswrafi qmedebebidan<br />

yvela mimarTulebiT, ar unda<br />

didi goneba imis mofiqrebas, rom<br />

vaWroba gaxlavT swrafi fulis mopovebis<br />

SesaZlebloba. warmoebis ganviTarebas<br />

ki ufro xangZlivi da go-<br />

``Cvens ``Cvens xelisuflebas xelisuflebas mudmivad mudmivad gaaCnia gaaCnia ara<br />

ara<br />

``<strong>`oqros</strong>``, ``<strong>`oqros</strong>``, aramed aramed aramed ``briliantis`` ``briliantis`` sia, sia, romelzec romelzec ar<br />

ar<br />

vrceldeba vrceldeba araviTari araviTari kanonmdebloba``<br />

kanonmdebloba``<br />

nieri saqmianoba sWirdeba. amitom,<br />

zogadad CemTvis es windauxedaobis<br />

kidev erTi magaliTia da aseve survilebis<br />

prioritetisa gonebriv<br />

nabijebTan SedarebiT.<br />

- - importiorTa importiorTa waxaliseba,<br />

waxaliseba,<br />

TiTqmis TiTqmis TiTqmis gauqmebuli gauqmebuli sabaJo sabaJo gadasax- gadasaxgadasaxadebiadebi da da a. a. S. S. es es yvelaferi yvelaferi xom xom dam- dam- dam-<br />

Rupvelia Rupvelia Rupvelia adgilobr adgilobrivi adgilobr iviwarmoebiwarmoebi- warmoebi- warmoebiwarmoebi- 3<br />

sTvis.sTvis. rogor rogor fiqrobT, fiqrobT, xelisuxelisufalnifalnifalni<br />

ver ver xvdebian xvdebian amas? amas? es es ucoducod-<br />

inrobis inrobis Tu Tu sxva sxva ramis ramis bralia? bralia?<br />

bralia?<br />

- warmoebas unda Sroma, ruduneba,<br />

codna, gamocdileba. rogorc Cans, es<br />

yvelaferi dRes deficituria im wreebisTvis,<br />

romlebic iReben gadawyvetile-<br />

bas, rogorc sakanonmdeblo, ise aRmsrulebel<br />

organoebSi. es aris Cveni<br />

<strong>xelisuflebis</strong> kidev erTxel dadasturebuli<br />

damokidebuleba warmoebis<br />

mimarT. TavisTavad es nabiji safrTxeebs<br />

warmoad<strong>ge</strong>ns, upirveles yovlisa,<br />

sazogadoebis mentalobisTvis, Tumca<br />

garkveuli wris warmomad<strong>ge</strong>nlebis Se-<br />

fuTva mimzidvel, brWyviala ydaSi aris<br />

prioritetuli da misaRebi. <strong>`oqros</strong><br />

siis~ Semad<strong>ge</strong>nel sawarmoebs Tavad didi<br />

xalisi ar unda hqondeT, radganac <strong>xelisuflebis</strong><br />

favoritoba sakmaod saxifaToa.<br />

radgan maT mier favoritad<br />

aRiarebul sawarmoebs yovelTvis yvelaze<br />

meti ukanono xarji aqvT.<br />

TamTa TamTa TamTa dadeSeli<br />

dadeSeli<br />

`biujetis Semosavlebis didi nawili erTjeradi xasiaTisaa~<br />

2008 2008 2008 2008 2008 wlis wlis wlis wlis wlis saqarTvelos saqarTvelos saqarTvelos saqarTvelos saqarTvelos saxelmwifo saxelmwifo saxelmwifo saxelmwifo saxelmwifo biujeti biujeti biujeti biujeti biujeti 250 250 250 250 250<br />

mlnmlnmln mln mln lariT lariT lariT lariT lariT 6.927 6.927 6.927 6.927 6.927 laramde laramde laramde laramde laramde izrdeba, izrdeba, izrdeba, izrdeba, izrdeba, amasTanave amasTanave amasTanave amasTanave amasTanave sasasasasa- gasaxado gasaxado gasaxado gasaxado gasaxado kodeqssa kodeqssa kodeqssa kodeqssa kodeqssa da da da da da sabiujeto sabiujeto sabiujeto sabiujeto sabiujeto sistemebis sistemebis sistemebis sistemebis sistemebis Sesaxeb Sesaxeb Sesaxeb Sesaxeb Sesaxeb<br />

kodeqsSi kodeqsSi kodeqsSi kodeqsSi kodeqsSi cvlilebebi cvlilebebi cvlilebebi cvlilebebi cvlilebebi Sedis, Sedis, Sedis, Sedis, Sedis, Rvinoze Rvinoze Rvinoze Rvinoze Rvinoze dawesebuli dawesebuli dawesebuli dawesebuli dawesebuli<br />

aqcizi, aqcizi, aqcizi, aqcizi, aqcizi, romelic romelic romelic romelic romelic am am am am am droisTvis droisTvis droisTvis droisTvis droisTvis 1 1 1 1 1 litrze litrze litrze litrze litrze 10 10 10 10 10 TeTriT TeTriT TeTriT TeTriT TeTriT<br />

aris aris aris aris aris gasazRvruli, gasazRvruli, gasazRvruli, gasazRvruli, gasazRvruli, kanonis kanonis kanonis kanonis kanonis miRebisTanave miRebisTanave miRebisTanave miRebisTanave miRebisTanave gauqmdeba. gauqmdeba. gauqmdeba. gauqmdeba. gauqmdeba.<br />

xolo xolo xolo xolo xolo saSemosavlo saSemosavlo saSemosavlo saSemosavlo saSemosavlo gadasaxadi gadasaxadi gadasaxadi gadasaxadi gadasaxadi etapobrivad etapobrivad etapobrivad etapobrivad etapobrivad 15%mde 15%mde 15%mde 15%mde 15%mde<br />

Semcirdeba. Semcirdeba. Semcirdeba. Semcirdeba. Semcirdeba. amasTanave amasTanave amasTanave amasTanave amasTanave moxdeba moxdeba moxdeba moxdeba moxdeba importiorebis importiorebis importiorebis importiorebis importiorebis difer- difer- difer- difer- diferencireba.<br />

encireba. encireba. encireba. encireba. finanasTa finanasTa finanasTa finanasTa finanasTa ministris ministris ministris ministris ministris gancxadebiT gancxadebiT gancxadebiT gancxadebiT gancxadebiT Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba Sed<strong>ge</strong>ba<br />

<strong>`oqros</strong> <strong>`oqros</strong> <strong>`oqros</strong> <strong>`oqros</strong> <strong>`oqros</strong> sia~, sia~, sia~, sia~, sia~, romelSic romelSic romelSic romelSic romelSic arakriminaluri arakriminaluri arakriminaluri arakriminaluri arakriminaluri warsulis warsulis warsulis warsulis warsulis<br />

mqone mqone mqone mqone mqone kargi kargi kargi kargi kargi gadamxdelebi gadamxdelebi gadamxdelebi gadamxdelebi gadamxdelebi gaerTiandebian gaerTiandebian gaerTiandebian gaerTiandebian gaerTiandebian da da da da da maTvis maTvis maTvis maTvis maTvis<br />

sabaJo sabaJo sabaJo sabaJo sabaJo procedurebi procedurebi procedurebi procedurebi procedurebi gamartivdeba. gamartivdeba. gamartivdeba. gamartivdeba. gamartivdeba. am am am am am cvlilebeTan<br />

cvlilebeTan<br />

cvlilebeTan<br />

cvlilebeTan<br />

cvlilebeTan<br />

dakavSirebiT dakavSirebiT dakavSirebiT dakavSirebiT dakavSirebiT `bankebi `bankebi `bankebi `bankebi `bankebi da da da da da finansebi~ finansebi~ finansebi~ finansebi~ finansebi~ eqspert eqspert eqspert eqspert eqspert demur demur demur demur demur<br />

giorxeliZes giorxeliZes giorxeliZes giorxeliZes giorxeliZes esaubra. esaubra. esaubra. esaubra. esaubra.<br />

Cvens qveyanaSi moxda socailur da saSemosavlo<br />

gadasaxadebTan dakavSirebiT, absurdia.<br />

dasavleTSi gau<strong>ge</strong>baria principi, rom saSemosavlo<br />

gadasaxadi damqiravebelma waumatos<br />

xelfasze daqiravebuls. idea imisa, rom 5 weliwadSi<br />

25%-iani ganakveTi 15-%mde Semcirdes,<br />

misasalmebelia, magram grZelvadiani perspeqtivaa<br />

da vfiqrob, rom es ufro mets<br />

daakargvinebs saqarTvelos biujets, vidre<br />

miscems. dRevandel pirobebSi 15%-iani ganakveTic<br />

maRalia, gacilebiT misaRebi iyo 12%.<br />

vfiqrob, isev am ganakveTs unda davubrundeT,<br />

winaaRmdeg SemTxvevaSi, problemebi gveqneba,<br />

radgan biznesseqtors uWirs, ubralod mas<br />

25%-iani legaluri xelfasis gadaxdis saSualeba<br />

ar aqvs da es ganakveTi mcire da saSualo<br />

bizness didi tvirTad awevs.<br />

- - finansTa finansTa ministris ministris nika nika gilauris gilauris gancx- gancxgancxadebiT, adebiT, adebiT, biujetis biujetis saSemosavlo saSemosavlo saSemosavlo nawilis nawilis nawilis zrda<br />

zrda<br />

fiskaluri politika<br />

210 210 mln mln lariT lariT lariT administrirebis administrirebis gaumjobese-<br />

gaumjobese-<br />

gaumjobese-<br />

gaumjobese-<br />

gaumjobesebam<br />

bam bam da da kursis kursis gamyarebis gamyarebis gamyarebis Sedegad Sedegad sagareo<br />

sagareo<br />

valisTvisvalisTvisvalisTvis gankuTvnili gankuTvnili 180mln 180mln laris laris dada-<br />

zogvam zogvam ganapiroba. ganapiroba. Tqveni Tqveni azriT, azriT, realurad<br />

realurad<br />

romelma romelma faqtorebma faqtorebma faqtorebma gamoiwvia gamoiwvia biujetis<br />

biujetis<br />

Semosavlebis Semosavlebis zrda zrda zrda da da ramdenad ramdenad miuTiTebs<br />

miuTiTebs<br />

es es procesi procesi qveynis qveynis qveynis ekonomikis ekonomikis zrdaze?<br />

zrdaze?<br />

- Semosavlebis struqturas Tu davakvirdebiT,<br />

davinaxavT, rom biujetis Semosavlebis<br />

didi nawili erTjeradi xasiaTisaa. es zrda<br />

wlis ganmavlobaSi mewarme subieqtebis mier<br />

gaTvlilze zeviT miRebuli Semosavlebidan<br />

gadaxdili TanxebiT rom iyos ganpirobebuli,<br />

biujetis zrda kargi maCvenebeli iqneboda.<br />

qveyanaSi administrirebis mowesri<strong>ge</strong>ba misasalmebelia,<br />

magram administraciasac Tavisi<br />

sazRvrebi aqvs da zedmetma cvlilebebma Sesa-<br />

Zlebelia ekonomikiuri subieqtebis <strong>ge</strong>gmebSi<br />

seroizuli cvlilebebi gamoiwvios. kargi iqneba<br />

Tu biujetis Semdgom zrdas realur ekonomikaSi<br />

gaweuli saqmianobis Sedegad miRebuli<br />

Semosavlebi ganapirobebs da ara aqtivebis<br />

gasxvisebiT fuladi saxsrebi.<br />

- - sakanonmdeblo sakanonmdeblo cvlilebebi cvlilebebi kargi kargi gada- gadagadamxdelimxdeli importiorebisTvis importiorebisTvis importiorebisTvis sabaJo sabaJo procedureprocedurebisbis<br />

gamartivebas gamartivebas iTvasiswinebs, iTvasiswinebs, iTvasiswinebs, rogor rogor SeafSeaf-<br />

asebT asebT am am gziT gziT gziT importis importis waxalisebas, waxalisebas, maSin<br />

maSin<br />

rocaroca Cveni Cveni Cveni qveynis qveynis uaryofiTi uaryofiTi savaWro savaWro savaWro salsal-<br />

do do do mkveTrad mkveTrad uaryofiTia?<br />

uaryofiTia?<br />

- savaWro balansi saSiS masStabebs aRwevs,<br />

saqarTvelo mTlianad importzea damikidebuli,<br />

rasac laris kursis gaumarTlebeli<br />

gamyareba uwyobs xels, mTel msoflioSi fasebis<br />

zrdis Sedegad importi fulad gamoxatulebaSi<br />

gaizrdeba da savaWro deficiti ufro<br />

uaryofiTi gveqneba. es viTareba ki mZime mdgo-<br />

mareobaSi agdebs adgilobriv warmoebas da<br />

ver vaxerxebT soflis meurneobis resursis<br />

gamoyenebas, romelsac didi saeqsporto potenciali<br />

gaaCnia da xelisuflebas es dargi<br />

ukve 20welia uyuradRebod hyavs mitovebuli.<br />

xolo isedac waxalisebuli importi ratom<br />

unda waxalisdes gau<strong>ge</strong>baria, aseTi praqtika<br />

msoflioSi ara arsebobs. aseT mZime viTaTarebaSi<br />

xelisufleba yoCaRi importiorebis gamovlenas<br />

cdilobs.<br />

- - biujetSi biujetSi wels wels ukve ukve es es meore meore meore cvlile- cvlilecvlile- ba ba Sedis, Sedis, pirvelad pirvelad igi igi aprilSi aprilSi gaizarda.<br />

gaizarda.<br />

batono batono demur, demur, zogadad zogadad rogor rogor SeafasebT<br />

SeafasebT<br />

biujetis biujetis da<strong>ge</strong>gmvis da<strong>ge</strong>gmvis process?<br />

process?<br />

- biujetis xSiri cvlileba kargia araa,<br />

xdeba naCqarevi damtkiceba da prioritetebis<br />

xSiri cvla. dRevandeli biujetis problemaa<br />

seqtorebis araproporciuli dafinanaseba,<br />

aSkarad darRveulia dar<strong>ge</strong>bs Soris procentuli<br />

Tanafardoba, meore problemaa sabiujeto<br />

saxsrebis xarjvis efeqturobis sakiTxi.<br />

saqarTvelos biujeti vera da ver gaxda programuli,<br />

rom xarjebi gawerili da gaTvlili<br />

iyos programebis mixediT ramdenime welze.<br />

xarjebis efeqturoba dasabuTebuli unda iyos<br />

sazogadoebis saWiroebebiT da <strong>xelisuflebis</strong>a<br />

da sazogadoebis konsesusis Sedegs unda warmoad<strong>ge</strong>ndes.<br />

samwuxarod, dRevandel situacia-<br />

Si umaRlesi xelisufleba TviTon gansazRvravs<br />

prioritetebs da Tavadve akeTebs Tanxebis<br />

gadanawilebas. gauazrebeli qmedebebi, romlebic<br />

grZelvadian perspeqtivebze araa gaTvlili<br />

uaryofiTi Sedegis momtania, gaweul<br />

xarjebs unda hqondes efeqti da Tanxebi ar<br />

unda iflan<strong>ge</strong>bodes.<br />

gvanca gvanca sixaruliZe<br />

sixaruliZe

---

#159<br />

ivnisi<br />

ivnisi<br />

cunamis cunamis molodini<br />

molodini<br />

zafxuls Tavisi specifika aqvs, zafxulis<br />

ekonomikasac da politikasac. qarTveli nacarqeqiebi<br />

imaze davoben, Sevidnen Tu ara parlamentSi,<br />

romelic sayovelTao aRiarebiT<br />

gayalbebulia. am nacarqeiebs kidev gadamTieli<br />

baybaydevebi aburTaveben, Torem gayalbebul<br />

parlamentSi ginda Sedi da ginda gamodi,<br />

me <strong>ge</strong>tyvi da SeamCnevs vinme?! ‘maestro~ daxurulia,<br />

sazogadoebrivi mauwyeblis, ‘imedidan~<br />

gadasxmuli desanti daiTxoves, inga grigolia<br />

ki uvado SvebulebaSi gauSves. vidre qarTuli<br />

Tavisufali teleimedis ukanaskneli mohikani<br />

daviT aqubardia isev kiafobs eTerSi da kaifobs<br />

absurdis Teatrze, vidre iseTi ‘lampoCka~,<br />

gnebavT naTura ar gadamwvara telean-<br />

Zaze, romelic ‘kavkasias~ sabolood gaTi-<br />

Savs, Cvenc mivyveT yvelaze mniSvnelovani politekonomikuri<br />

ambebis mimoxilvas. viTareba<br />

dRiTidRe katastrofuli xdeba, mTavroba iZulebulia<br />

navTobproduqtebis aqcizis gauqmebaze<br />

ifiqros, auqmeben Rvinis aqcizsac, aris<br />

Zvrebi, magram mizani ar aris, rac saqarTvelos<br />

romelime Cvens did mezobelze damokidebuls<br />

ar xdis. es damokidebuleba dRes da<br />

xval ar gamoCndeba, magram Tu ki globaluri<br />

krizisi TurqeTs an ruseTs Seexeba, saqarTvelos<br />

humanitaruli xorbalic ki veRar uSvelis<br />

da igi romelime maTganis gubernia an<br />

vilaeTi gaxdeba isev.<br />

turistuli turistuli bumi<br />

bumi<br />

da da kidev kidev amgvari amgvari rame-rumeebi<br />

rame-rumeebi<br />

rame-rumeebi<br />

apokalifsuri xilvebis moyvaruli maincdamainc<br />

ar gaxlavarT, magram verc im ugunurebas<br />

warmovaCen bunebriv viTarebad, roca<br />

mTavrobas ar aqvs ekonomikuri politika. da<br />

gana romelime erT sferoSi, gana romelime<br />

erTi mimarTulebiT, ara aqvs saerTod da amas<br />

Tqven kargad dainaxavT damokidebulebaSi satyeo<br />

politikisa da erovnuli interesebis<br />

Sesaxeb. Tu vaSlovanis erovnul parkSi turistebisTvis<br />

bungaloebi gaixsneba, mavans es<br />

hgonia qveynis gadarCena. dacul teritoriebze<br />

turistebis Seyvana ioli saqme ar gaxlavT.<br />

erovnuli parkis gamtarunarianoba dReSi<br />

300 erTdRian da 100 ramdenimedRian vizitors<br />

Sead<strong>ge</strong>ns. iq vizitorebic dasacavi gveyoleba<br />

da daculi teritoriasc. komunikaciebis sferoSi<br />

dawyebuli aurzauri SesaZloa dasruldes.<br />

komunikaciebis komisia sakomunikacio kanalizaciaSi<br />

kabelebis gatarebis zRvrul<br />

tarifebs daawesebs. zRvruli tarifi ki ‘gaer-<br />

Tianebuli telekomis~ mier ward<strong>ge</strong>nil xarjebze<br />

iqneba orientirebuli.<br />

da kidev erTi saintereso siaxle. saqarTvelos<br />

mTavrobis iniciativiT sabrende Rvinoebis<br />

warmoebis wesebi martivdeba. cvlileba<br />

kanonis 27-e muxlSi Sedis, romlis mixedvi-<br />

Tac Rvinis brendis damzadeba SesaZlebeli<br />

iqneba muxis kasrebSi, mominanqrebul avzSi<br />

Cawyobil gaaqtiurebul an gauaqtiurebel<br />

muxis tkeCebze, aranakeleb samwliani davar<strong>ge</strong>bis<br />

msgavsi sabrende spirtebisagan.<br />

da kidev, arabuli ‘dabi-jgufi~ yofili<br />

imelis Senobis demontaJs iwyebs. aq sastumro<br />

kempinski – Tbilisi unda ganTavsdes. demonta-<br />

Ji Senobis Sida nawils exeba, fasadi ki ucvleli<br />

rCeba, Tumca, arcTu mTlianad. imelis<br />

Senobas ori koSki daemateba, sadac savaWro<br />

centri da pent-hauzebi ganTavsdeba. ‘dabi<br />

jgufma~ sastumros proeqtSi 80%-iani wili<br />

Senobis yofili mflobelis ‘kapital vostokisagan~<br />

sul raRac 22 milion dolarad<br />

martSi SeiZina. zogierTi eqsperti ‘kapital<br />

vostokis‘ ukan rusul kapitals moiazrebs.<br />

TumcaRa, ‘imelis‘ Senoba anu marqsizm-leninizmis<br />

institutis Senoba sxvas vis unda<br />

gaeyida rusebis garda, Cvens Zvirfas qarTvel<br />

TanamemamuleebTan erTad, romelTa saxelebi,<br />

gvarebi, Tanamdebobebi da wona centnerebSi<br />

sayovelTaod aris cnobili.<br />

sabanko sabanko serpantini<br />

serpantini<br />

ramdenime saintereso sabanko sferos siaxle.<br />

mikrosafinanso organizacia ‘Tbilbiznesi~<br />

bankad gardaqmnas apirebs. erTi pikanturi<br />

detalic, 2006 wlamde ‘Tbilbiznesi~ bazarze<br />

bankis statusiT muSaobda, Tumca, mas<br />

Semdeg, rac erovnulma bankma sazedamxedvelo<br />

kapitalis minimaluri moculoba gazar-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

da, bankma axali moTxovnis dasakmayofieblad<br />

damatebiT ori milionis mozidva ver SeZlo.<br />

mas Semdeg ‘Tbilbiznesi~ mikrosafinanso organizaciis<br />

statusiT muSaobs. mikrosafinanso<br />

organizacia ‘konstantas~ bankad gardaqmnis<br />

sakiTxs ki safinanso zedamxedvelobis<br />

saa<strong>ge</strong>nto ganixilavs. ‘konstanta~ sabanko institutisTvis<br />

saWiro yvela moTxovnas akmayofilebs.<br />

rogorc ‘konstantas~ warmomad<strong>ge</strong>nlebi<br />

acxadeben, bankad gardaqmnis Semdegac<br />

konstanta aqcents mcire biznesis dakreditebaze<br />

gaakeTebs da am segmentSi misi<br />

konkurenti ‘prokredit banki~ iqneba.<br />

‘saqarTvelis banki~ ki ivlisSi larSi denominirebuli<br />

moklevadiani Tamasuqebis morig<br />

emisias ganaxorcielebs. bankis <strong>ge</strong>neraluri<br />

direqtoris irakli gilauris gancxadebis<br />

Tanaxmad, Tamasuqebis Rirebuleba 30 milioni<br />

lari iqneba. Tamasuqebis vadianoba 3-dan<br />

12 Tvemde meryeobs. kaxa kalaZis da zurab<br />

noRaidelis ‘progres banki~ saqarTveloSi<br />

moqmedi ori komerciuli bankis SeZenas apirebs.<br />

rogorc kaxa kalaZe acxadebs, molaparakebebi<br />

mimdinareobda ‘bazisbankTan~ da ‘agroinvestbankTan~.<br />

am ukanasknelTan SeTanxmeba<br />

ukve miRweulia.<br />

msoflio msoflio ekonomikis ekonomikis mzardi<br />

mzardi<br />

zemoqmedeba zemoqmedeba Tu Tu eqo<br />

eqo<br />

rom giTxraT, Cveni ekonomikis stagnaciis<br />

pirobebSi, is, rac msoflio ekonomikaSi xdeba,<br />

TqvenTvis Zalian sayuradRebo iqneba-meTqi,<br />

mogatyuebT. CvenTvis yvelaze mniSvnelovani<br />

dolaris mimarT laris mkveTri da araadeqvaturi<br />

gamyarebaa, agreTve inflacia, romelmac<br />

zogierTi mimarTulebiT evropuli rekordebic<br />

ki moxsna. magram miuxedavad amisa, me ase<br />

mwams da ase mjera, rom msoflio ekonomikis<br />

siaxleebs ukve realuri da gadamwyveti mniSvneloba<br />

aqvT saqarTvelos ekonomikisaTvis. axla,<br />

aqedan SevxedoT realur suraTs da wamyvani<br />

saa<strong>ge</strong>ntoebis hedlainebi vnaxoT. ‘amerika asafren<br />

dasafren bilikze daeSva~, ‘navTobma da<br />

umuSevrobam daangries amerikisa da evropis<br />

safondo bazrebi~. gasul xuTSabaTs doujonsis<br />

‘indastrial evereiji~ 3,13%-iT daeca. rac<br />

gansakuTrebuli azri<br />

aurCeveli parlamentis qveyanaSi<br />

arCevani Sen<br />

bolo ori wlis savaWro sesiebis yvelaze uaresi<br />

maCvenebelia. investorebis dabnevaSi Tavisi wvlili<br />

Seitana navTobze fasis awevam, rac<br />

amerikuli valutis kursis Sesustebis fonze<br />

mimdinareobda. sainvesticio banki ‘morgan stenli~<br />

ar gamoricxavs navTobis Semdgom gaZvirebas<br />

da amis mizezad, aziaSi navTobis moxmarebis<br />

zrdas asaxelebs. hej fondebi erTxmad gamoexmaurnen<br />

am prognozs da didi safinanso resursebi<br />

Cades sanavTobo fiuCersebSi. ai, es iyo Cemi<br />

azriT, mTavari am dReebSi. Cemi zogierTi kolega<br />

ki imeruli yvelis saamqros gaxsniT gvaimedebda<br />

da moduri italiuri sacvlebis misawvdomobiT<br />

xiblavda Cvens banovanebs.<br />

ahmedinejads ahmedinejads evropidan evropidan fuli<br />

fuli<br />

moaqvs moaqvs da da da cdilobs cdilobs cdilobs sadme<br />

sadme<br />

damalos<br />

damalos<br />

amjerad, msoflio ekonomikis umniSvnelovanes<br />

faqtebze msjelobas aRar gavagrZeleb.<br />

xalxs ZiriTadad inflacia, dolarTan mimarTebaSi<br />

laris kursis gamyareba da fexburT-<br />

Si evropis Cempionati ainteresebs. magram erTs<br />

mainc vityvi, Cemi azriT, Zalian sayuradRebo<br />

ambavs. iranis prezidentma axmadinejadma umsxviles<br />

bank ‘melis~ ubrZana, evrogaerTianebis<br />

bankebidan iranis centralur bankSi gadmoitanos<br />

Tavisi aqtivebi. da es unda moxdes<br />

male, vidre evrogaerTianebis xelmZRvanelebi<br />

amerikis SeerTebuli Statebis mTavrobis zewoliT,<br />

mTlianad ar gayinaven iranis avuarebs,<br />

amis Taobaze informacia anonim dasavleTel<br />

diplomatebze dayrdnobiT ‘deili telegrafma~<br />

gaavrcela. rogorc varaudoben, es fuli<br />

iranSi dubais gavliT dabrundeba. eqspertebis<br />

azriT, am avuarebma SeiZleba miaRwion arabTa<br />

gaerTianebul saemiroebs, magram am SemTxvevaSi,<br />

gamoricxuli ar aris, rom iranuli<br />

navTobdolarebi indoeTma da CineTma Seifaron.<br />

briuselSi kidev sxva ramisa eSiniaT, rom Teirani<br />

moaswrebs aqtivebis daibrunebas dubais<br />

meSveobiT, sadac daaxloebiT aTi aTasi iranuli<br />

kompania funqcionirebs. aseTia sanavTobo<br />

politikis iranuli safaneli. atomuri Tema<br />

aSkarad antiiranuli sanavTobo sanqciebis<br />

formas iRebs.<br />

4<br />

levan levan mzianiSvili<br />

mzianiSvili<br />

narmanias narmanias radikaluri<br />

radikaluri<br />

gancxadeba<br />

gancxadeba<br />

radikalur gancxadebas akeTebs ekonomikis<br />

eqsperti, profesori daviT narmania. -<br />

mTavrobam evroobligaciebis gayidvidan miRebuli<br />

Tanxis didi nawili winasaarCevnod ganxorcielebul<br />

proeqtebSi daxarja. am TanxebiT,<br />

narmanias azriT, regionebSi infrastruqturis<br />

proeqtebi dafinansda. problemebi valis<br />

gastumrebis periodisaTvis Seiqmneba, radgan<br />

2013 wlisTvis moqmedi xelisufleba aRar<br />

iqneba, vali imJamindel xelisuflebas daawveba.<br />

gansakuTrebiT absurdulad profesori<br />

narmania miiCnevs, rom xelisuflebam ver warmoadgina<br />

argumentebi, risTvis dasWirda qveyanas<br />

sagareo valis aReba. pirvel etapze, evrobligaciebidan<br />

miRebuli TanxebiT gazsacavi da<br />

maRali Zabvis eleqtrogadamcemi xazebi unda<br />

aSenebuliyo, mogvianebiT prioritetebi Seicvala<br />

da gadawyda 250 milioni dolari<br />

strategiuli ganviTarebis fondSi Caricxuliyo,<br />

narmanias azriT, da aq is originaluri<br />

ar aris, aseTive Tvalsazrisi gamoxata profesorma<br />

lado papavam, qveyanas valis aReba realurad<br />

ar sWirdeboda, radgan Tu saqarTvelos<br />

Warbi sabiujeto saxsrebi gaaCnia, Sesa-<br />

Zlebeli iyo am programebis ganxorcieleba<br />

saxelmwifo biujetidan dafinansebuliyo. Tu<br />

am kiTxvaze kaxa benduqiZes pasuxi aqvs, igi<br />

namdvilad aris nobelis premiis laureatobis<br />

Rirsi. anu kiTxvaze, ratom unda gaaZevo qveynidan<br />

da uTxra iaf kreditze uari savaluto<br />

fondsa da msoflio banks, nuTu mxolod imisTvis,<br />

rom Zviri naxevari miliardi aiRo sesxad.<br />

Temur Temur Temur Wyonia Wyonia Wyonia uaryofs<br />

uaryofs<br />

uaryofs<br />

koka-kola boTlers jorjias prezidenti<br />

Temur Wyonia Turqul efesTan molaparakebebis<br />

warmoebis Sesaxeb informacias kategoriulad<br />

uaryofs. jibisis cnobiT, Temur Wyonia<br />

aRniSnavs, rom Turqul ‘efes briuers interneiSenals~<br />

saqarTvelos ualkoholo sasmelebisa<br />

da ludis warmoebis xelSi Cagdeba surs.<br />

Sepese lomisi, romelic ludsaxarS ‘nataxtarsac~<br />

flobs, ‘efes briuers interneiSenalma~<br />

2008 wlis TebervalSi Seisyida. ase<br />

rom, koka-kola boTlers jorjias, ‘makdonaldsisa~<br />

da qobuleTSi axlad aSenebuli<br />

sastumros jorjian palasis wilebis SeZenis<br />

Taobaze, masTan molaparakebebis Sesaxeb, informacias<br />

Temur Wyonia jerjerobiT uaryofs.<br />

Tumca, saubrebi am kompaniebis wilebis<br />

gayidvaze didi xania mimdinareobs. savaraudoa,<br />

rom am molaparakebebs ukavSirdebodes<br />

skandaluri xmebi koka-kola boTlers jorjias<br />

mier evropaSi eqsportirebuli produqciis<br />

Taobaze.<br />

baTumSi baTumSi Zroxebs Zroxebs seirnoba<br />

seirnoba<br />

aekrZalaT, aekrZalaT, rasac rasac cxovelTa<br />

cxovelTa<br />

dacvis dacvis organizaciebi<br />

organizaciebi<br />

organizaciebi<br />

aprotesteben<br />

aprotesteben<br />

kidev erTi Zalian magari ambavi – baTumis<br />

meriam skverebsa d parkebSi msxvilfexa rqosani<br />

pirutyvis seirnoba akrZala. gadavrCiT da gveSvela<br />

mgonia, Cvenc da msxvilfexa rqosani pirutyvic.<br />

imdenad, ramdenadac, isini skverebsa da<br />

parkebSi adamianebadwodebulTagan gansxvavebiT ki<br />

ar seirnoben, aramed balaxoben anu sZoven. Tu<br />

wesrigis romelime Tavgamodebuli damcveli<br />

daakavebs romelime msxilfexas, man unda daumtkicos<br />

Zroxas, vTqvaT da saxelad kamelias, rom<br />

igi seirnobda skverSi an parkSi. da ara vTqvaT,<br />

balaxobda an kidev nekers aknatunebda. magram<br />

gadarCenilebi arian Zroxebi. maT xom seirnoba<br />

ar SeuZliaT, romeli ‘xaivani~ daumtkicebs Zroxas,<br />

rom igi zRvispira bulvarSi seirnobda.<br />

Tu daumtkicebs da o, ho, ho, ho, ho.<br />

magram baTumis Tavebs cxovelTa interesebis<br />

damcvelebi gamoeqomagnen. maTi azriT,<br />

Zroxasac iseTive ufleba aqvs bulvarSi<br />

iseirnos, rogorc zogjer maTze pir-utyv<br />

zogierT Cvens Tanamoqalaqes, maS?!<br />

gagrZeleba gagrZeleba gagrZeleba me-6 me-6 me-6 gverdze<br />

gverdze

---

#159<br />

ivnisi<br />

ivnisi<br />

nodar nodar nodar xaduri xaduri<br />

xaduri<br />

- gadasaxads aqvs ramdenime<br />

datvirTva. maT Soris, aqcizs aqvs<br />

maregulirebeli da fiskaluri<br />

datvirTva. gadasaxadi wesdeba imisaTvis,<br />

raTa SeizRudos moxmareba -<br />

es aris maregulirebeli datvirTva,<br />

xolo fiskaluri - biujetis Sevseba.<br />

Cemi azriT, Rvinoze aqcizi arc<br />

erT da arc meore funqcias ar asrulebda.<br />

erT litrze 10 TeTriani<br />

gadasaxadi ar aris is safasuri, romliTac<br />

SeiZleba adamians aukrZalo<br />

Rvinis daleva. amas aranairi datvirT-<br />

va ar aqvs. ibegreboda is, visac samrewvelo<br />

warmoeba hqonda da ara<br />

glexis mier damzadebuli Rvino, ar<br />

iyo moculi mTliani bazari.<br />

saqarTvelos biujeti rom mxolod<br />

Rvinis aqciziT Sevsebuliyo, war-<br />

moud<strong>ge</strong>nelia, amitom Cemi azriT,<br />

Zalian kargi gadawyvetilebaa miRebuli,<br />

rom rac SeiZleba gamartivdes<br />

sagadasaxado kodeqsi, moxdes gadasaxadebis<br />

koncentracia im nawilze,<br />

romlebsac ufro fiskaluri efeqti<br />

aqvs da Rvinis aqcizis amoReba-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

`Rvinoze aqcizis moxsna moraluri<br />

mxardaWeraa meRvineebisTvis~<br />

Rvinis biznesi saqarTveloSi sakmaod warmatebuli da mom<strong>ge</strong>biania, Tumca es ratomRac arc Rvinismwarmoebeli<br />

glexis jibeze da arc saxelmwifos biujetze didad ar aisaxeba. erTi litri Rvinoze 10-<br />

TeTriani aqcizi, rogorc finansTa ministrma nika gilaurma ganacxada, male axali kanonis miRebisTanave<br />

moixsneba. sagadasaxado kodeqssa da sabiujeto sistemis Sesaxeb cvlilebebis proeqtis ganxilva<br />

parlamentSi momavali kviridan daiwyeba. aqcizis moxsnas rogorc dadebiTi, aseve uaryofiTi mxareebi<br />

eqneba, Tumca gadasaxadi rac naklebi iqneba, ra Tqma unda, miT ukeTesia nebismieri mewarmisTvis.<br />

gamoiwvevs Tu ara es importis ganviTarebas da importuli Rvinis Semosvlas saqarTveloSi, ramdenad<br />

SeuZlia ucxour Rvinos qarTuli ZirZveli jiSebis daCrdilva da ramdenad gamarTlebulia es gadawyvetileba,<br />

an saerTod, ratom gaxda saWiro misi miReba? am Temaze gvesaubreba ekonomikis eqsperti<br />

nodar nodar xaduri<br />

xaduri xaduri.<br />

administrireba SeiZleba ufro Zviri<br />

jdeboda, vidre iyo gadasaxadidan<br />

miRebuli Tanxebi.<br />

amitom, TavisTavad cxadia, rom<br />

jobia gamartivdes es mimarTuleba<br />

da sagadasaxado samsaxurma gaakeTos<br />

aqcenti imaze, saidanac ufro met<br />

fuls elis da Zalebis mobilizebac<br />

`10 TeTriani gadasaxadi Tavis<br />

funqcias ver asrulebda~<br />

``erT ``erT litrze litrze 10 10 TeTriani TeTriani gadasaxadi gadasaxadi ar ar aris aris is<br />

is<br />

safasuri, safasuri, romliTac romliTac SeiZleba SeiZleba adamians adamians aukrZalo aukrZalo<br />

aukrZalo<br />

Rvinis Rvinis daleva. daleva. amas amas aranairi aranairi datvirTva datvirTva ar ar aqvs``<br />

aqvs``<br />

meRvineoba<br />

am mimarTulebiT moaxdinos.<br />

- - - aqcizi, aqcizi, ZiriTadad, ZiriTadad, avtoman- avtomanavtomanqanebze,qanebze, navTobproduqtebze, navTobproduqtebze, sigasiga-<br />

retze retze da da alkoholur alkoholur sasmelebzea.<br />

sasmelebzea.<br />

rogor rogor rogor fiqrobT, fiqrobT, fiqrobT, am am gadasaxadis<br />

gadasaxadis<br />

gauqmeba gauqmeba Rvinoze Rvinoze Seuwyobs Seuwyobs Tu Tu Tu ara<br />

ara<br />

xelsxels adgilobrivi adgilobrivi adgilobrivi Rvinis Rvinis Rvinis warmoewarmoebas?bas?<br />

Tu Tu adgilobrivi adgilobrivi mwarmoeblemwarmoeble-<br />

bi bi da da importiorebi importiorebi erTi erTi da da igive igive<br />

igive<br />

SeRavaTiT SeRavaTiT isar<strong>ge</strong>bleben, isar<strong>ge</strong>bleben, Seicvleba<br />

Seicvleba<br />

amiT amiT raime?<br />

raime?<br />

- gadasaxadi rac naklebia, cxadia,<br />

ukeTesia. miuxedavad imisa, rom litrze<br />

10 TeTriani gadasaxadia, amas arsebiTi<br />

mniSvneloba ar aqvs. Tu es gadasaxadi<br />

arsebobs, aris imisi aucilebloba, rom<br />

Semdeg vinmem Seamowmos maTi gadaxda.<br />

Tu arsebobs gadasaxadi, arsebobs sur-<br />

vili imisa, rom viRacam es gadasaxadi<br />

damalos da a. S.<br />

Cemi azriT, saqarTvelosTvis Rvinis<br />

importis problema ar dgas.<br />

piriqiT, eqsportis problemaa,<br />

romelic aqciziT isedac ar ibegreba.<br />

anu im SemTxvevaSi, Tuki adamiani<br />

awarmoebda Rvinos da gaitanda<br />

saqarTvelos farglebs gareT, gadaxdili<br />

aqcizi mas ukan daubrundeboda.<br />

saqarTvelos bazari sxva qveynis<br />

Rvinis mwarmoeblebisTvis ar aris<br />

saintereso. davuSvaT, Semovida franguli<br />

an nebismieri sxva qveynis Rvino,<br />

an elitaruli Rvino Zalian<br />

cota raodenobiT. anu yoveldRiuri<br />

moxmarebisTvis Rvinis Semotana<br />

ar iqneba gamarTlebuli. importuli<br />

veranairad ver daCagravs qarTul<br />

Rvinos. ra fasad unda Semoitanon,<br />

rom qarTuls gauwion konkurencia?<br />

qarTuli Rvino 1-2 lari Rirs. ma-<br />

``Tu ``Tu danakargi danakargi seriozulia, seriozulia, daiwyeben daiwyeben sxva<br />

sxva<br />

alternatiuli alternatiuli wyaroebis wyaroebis moZiebas, moZiebas, xolo xolo Tu Tu ar ar aris<br />

aris<br />

seriozuli seriozuli da da vfiqrob, vfiqrob, asecaa, asecaa, maSin maSin SesaZlebelia<br />

SesaZlebelia<br />

aman aman aranairi aranairi zegavlena zegavlena ar ar moaxdinos moaxdinos sagadasaxado<br />

sagadasaxado<br />

sagadasaxado<br />

samsaxuris samsaxuris Semdgom Semdgom muSaobaze``<br />

muSaobaze``<br />

Sin unda Semoitanon, davuSvaT, Ciles<br />

an ar<strong>ge</strong>ntinis Rvino da gayidon<br />

iafad. es ki absurdia da ar moxdeba.<br />

- - Tu Tu flobT flobT imformacias, imformacias, rom<br />

rom<br />

5<br />

msoflios msoflios romelime romelime qveyanaSi qveyanaSi ar ar<br />

ar<br />

iyos iyos Rvinoze Rvinoze aqcizi?<br />

aqcizi?<br />

- aris qveyana, sadac begraven da<br />

aris qveyana, sadac ar begraven. gadasaxadi<br />

Tavisi arsiT ver asrulebda<br />

im funqcias, romelic unda Seesrulebina.<br />

yvelanairi aqciziT biujetSi<br />

unda Sevides 470 mln. lari,<br />

amitom mxolod Rvinis aqcizi ar<br />

aris is Tanxa, romelmac SeiZleba<br />

gadaarCinos biujeti an piriqiT.<br />

finansTa saministrom unda gaakeTos<br />

gaTvlebi, amiT ra Tanxas dakargavs.<br />

Tu danakargi seriozulia, daiwyeben<br />

sxva alternatiuli wyaroebis<br />

moZiebas, xolo Tu ar aris seriozuli<br />

da vfiqrob, asecaa, maSin Sesa-<br />

Zlebelia aman aranairi zegavlena ar<br />

moaxdinos sagadasaxado samsaxuris<br />

Semdgom muSaobaze. vfiqrob, es gadawyvetileba<br />

erTi nabiji iqneba imisaken,<br />

rom vinmem RvinoSi investicia<br />

Cados. ver vityvi, rom es nabiji meRv-<br />

ineebisTvis finansuri mxardaWera<br />

iqneba saxelmwifos mxridan, magram<br />

moraluri mxardaWera namdviladaa.<br />

TamTa TamTa dadeSeli<br />

dadeSeli<br />

aurCeveli parlamentis qveyanaSi<br />

/dasawyisi /dasawyisi /dasawyisi 4 4 gv./<br />

gv./<br />

Turme Turme reitin<strong>ge</strong>bi reitin<strong>ge</strong>bi xSirad<br />

xSirad<br />

tyuian<br />

tyuian<br />

pliusi Tu bibi minusi. mokled, TviTon ‘fiCs<br />

reitingsi~ sad aris, ver daud<strong>ge</strong>niaT da Cven, Cveni<br />

bibi minusianad sadac viqnebiT, xom kargad da<br />

arCevani arCevani Sen<br />

Sen<br />

maT maT Soris Soris CvenTvis CvenTvis kargad kargad<br />

kargad naTlad warmogid<strong>ge</strong>niaT, Zvirfaso megobrebo! adda. aRniSnuli gadawyvetileba libanis sasamarTloTi unda daamtkicos. maT Soris, misi mow-<br />

cnobili cnobili ‘fiCi~<br />

‘fiCi~<br />

marTlom mimdinare wlis 3 ivniss miiRo. inaaRmdegis fadi nahasis mier gavrcelebuli cnobe-<br />

sul axlaxans, uaxloes warsulSi, saqarTve- alievi alievi grZelvadiani<br />

grZelvadiani rogorc interpresniuss fadi nahasis advokabis utyuaroba. saqarTvelo xom bolos da bolos<br />

mTavroba uamravi maRali reitingiT yelye- kontraqtis kontraqtis winaaRmdegia<br />

winaaRmdegia tma qeTi qvarcxavam acnoba, fadi oskar aslim los, qveyanaa batonebo da ara balagani da avanlaobda<br />

da hoi saocrebav, gamoqveynda avtoritet- sxva Zalian mniSvnelovani Cveni ekonomikisTvis. ver SeZlo Tavisi valdebulebis Sesruleba – tiuristebis sarbieli.<br />

uli ‘fainenSel taimsis~ werili, romlis Tanax- azerbaijanis ener<strong>ge</strong>tikisa da mrewvelobis minis- 624 000 amerikuli dolaris gadaxda fadi<br />

madac umsxviles sareitingo saa<strong>ge</strong>ntoebs, reittri natik alievi saqarTvelosTan gazis miwodeb- nahasisTvis. ver waradgina ra sabanko garan- kaxa kaxa benduqiZe benduqiZe ugo ugo Cavesis<br />

Cavesis<br />

in<strong>ge</strong>bis arasworad miniWebaSi edebaT brali. umsxis grZelvadiani kontraqtis gaformebis winaaRmtia, fadi asli libanis sasamarTlos mier ga-<br />

Camogdebas Camogdebas apirebs?!<br />

apirebs?!<br />

vilesma saa<strong>ge</strong>ntoebma ‘muudisma~, ‘standart end degia. azerbaijanisaTvis, rogorc resursebis mflokotrebulad iqna cnobili, ris Sedegadac mas da bolos, saxaliso da Tavzardamcemi am-<br />

puersma~ da ‘fiCma~ niu iorkis Statis <strong>ge</strong>nerbelisTvis, xelsayreli ar aris 5 da 10 wliani libanis kanonmdeblis Tanaxmad, CamoerTva Tavibavi. kaxa benduqiZe, romelic cota xniT gauCialur<br />

prokurorTan endriu kuumosTan dades SeT- samomavlo <strong>ge</strong>gmebis dasaxva. grZelvadiani kontraqtesi yvela samoqalaqo ufleba. Semdgom etapze narda, venesuelaSi revolucias awyobs. man 500<br />

anxmeba, rac maT klientebTan angariSsworebis bi xSirad irRveva da azerbaijanisaTvis aseTi vi- libanis sasamarTlom unda daadginos, aris Tu 000 dolariT daajildova 23 wlis venesueleli<br />

sistemebis Secvlas avaldebulebs. amerikis fasi- Tareba wam<strong>ge</strong>biania. baqo verc saqarTvelos navTo- ara es TaRliTobis Sedegad damdgari gakotre- studenti ion goikoeCea. 23 wlis goikoeCeam<br />

ani qaRaldebis krizisis da reitin<strong>ge</strong>bis miniWebis bisa da gazis korporaciis direqtoris mrCevelma ba. dayadaRda agreTve fadi aslis libanSi ar- Caagdo ugo Cavesis mier SemoTavazebuli cv-<br />

sistemaSi aRmoCenili Secdomebis mizezebis ga- Temur goCitaSvilma daamSvida. baqoSi gamarTul sebuli mTeli piradi qoneba da masze meurvelilebebis proeqti. nobelis premiis laureat<br />

mosarkvevad sami sareitingo saa<strong>ge</strong>ntos saqmiano- gamofenaze ‘kaspian oil end gass~, goCitaSvilma oba gadaeca fadi aslis meuRles nadin aslis. milton fridmanis prizi benduqiZem goikoebis<br />

Seswavla daiwyo. gamoZiebis dawyebis mizezi ganacxada, rom Sahdenizis sabados meore fazis fadi asli qarTul saqmian wreebSi kargad Ceas venesueluri demokratiis ganviTarebaSi Set-<br />

gaxda informacia imis Sesaxeb, rom sareitingo amuSavebis Semdegac ki, igi ver uzrunvelyofs cnobili libanur-arabuli warmoSobis amerikuanili wvlilisaTvis gadasca. axla goikoeCea<br />

saa<strong>ge</strong>nto ‘muudisma~ reitin<strong>ge</strong>bis miniWebis ko- samxreT kavkasiuri gazsadenis srul datvirTvas li biznesmenia. dapirispirebam fadi nahasTan mis da misi megobrebi kaxa benduqiZis wvlilis Rirmpiuterul<br />

sistemaSi momxdari Secdomis gamo, da saamisod aucilebeli gaxdeba kaspiis zRvis aR- reputacias seriozuli Crdili miayena. Zveleseul aRniSvnaze fiqroben, rasakvirvelia, qarTu-<br />

erTi miliardi amerikuli dolaris savalo valdemosavleT sanapiroze mopovebuli gazis mozidva. buri reputaciis aRd<strong>ge</strong>na mas aSkarad gauWirdeba. li demokratiis ganviTarebis saqmeSi.<br />

bulebebs momatebuli reitingi mianiWa. dadgin-<br />

da kidev erTi informacia, fadi aslisTan dakav- aba Tqven ra <strong>ge</strong>gonaT?<br />

da, rom ‘muudisis~ xelmZRvanelobam am Secdofadifadi aslis aslis skandalur skandalur istoriistori-<br />

SirebiT. saqarTveloSi saerTaSoriso savaWro ‘Sors gavardnila misi saxeli, bavSvmac ki<br />

mis Sesaxeb jer kidev 2007 wlis dasawyisSi ico- aSi aSi aSi isev isev araferi araferi araferi garkveula<br />

garkveula<br />

garkveula palata fadi aslis gakotrebasTan dakavSirebul icis vina aris kaxa!~<br />

da, Tumca, mdgomareobis gamosasworebad araferi pikanturi ekonomikuri istoriebidan Tqvens informacias ar adasturebs. savaWro palatis pres- usaZRvrebo msoflio mas ufro uyvars, vi-<br />

iRona. amerikel eqspertTa azriT, SesaZloa, mo- yuradRebas mivapyrob saqarTveloSi saerTa- samsaxurSi interpresniuss ganucxades, rom es yvedre Cvens sergos, orjonokiZes uyvarda, imas promxdari<br />

amerikis SeerTebul StatebSi ipiTekuri Soriso savaWro palatis Tavmjdomaris fadi laferi sicrue da WuWyiani TamaSia. magram boletarul-internacionalurad, amas singapurul-<br />

krizisis da amerikis ekonomikis arastabiluro- oskar aslis saxelTan dakavSirebul skandals. los da bolos, viRac xom aris marTali. Tu neolibertarianulad.bis<br />

mizezi gaxda. hoda, sad varT axla Cven? rao, fadi nahasis mimarT arsebuli valis gadauxde- romelime saa<strong>ge</strong>ntom dezinformacia gaavrcela, mainc, ramdeni didi (maT Soris woniTac)<br />

ra mogvaniWa amas winaT ‘fiCs reitingsma~ - bibi lobis gamo, fadi asli gakotrebulad gamocx- es fadi aslim Worebis gavrcelebiT ki ara, sasa- qarTveli gvyavs, a?

---

#159<br />

ivnisi<br />

ivnisi<br />

kaxi kalaZis<br />

,,progresbanki<br />

saqarTveloSi<br />

kidev ori moqmedi<br />

komerciuli bankis<br />

SeZenas apirebs<br />

saqarTvelos sabanko bazarze axldSemosuli<br />

ss `progresbanki~ bazarze moqmedi 2<br />

bankis SeerTebas apirebs.<br />

`progresbankis~ damfuZneblis kaxi kalaZis<br />

informaciiT, Serwymis Taobaze molaparakebebi<br />

mimdinareobda ss `bazisbankTan~, ss `saxalxo<br />

bankTan~ da ss `agroinvestbankTan~.<br />

`bazisbankSi~ acxadeben, rom aRniSnul sakiTxiT<br />

ar intersdebian. bolo dros `bazisbankis~<br />

survilis Sesabamisad molaparakebebi<br />

mxolod msxvil safinanso institutTan `evropis<br />

rekonstruqciisa da ganviTarebis bankTan~<br />

(EBRD) mimdinareobda, rac warmatebiT dasrulda<br />

da EBRD `bazisbankis~ aqciaTa 15%-is<br />

mflobeli gaxda.<br />

`bazisbankisgan~ gansxvavebiT SeTanxmeba ukve<br />

miRweulia ss `agroinvestbankTan~, romlis dam-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

fuZnebelic biznesmeni goCa Zasoxovia. `agroinvestbankis~<br />

direqtoris vaJa SaviSvilis informaciiT,<br />

`progresbankTan~ mierTebis Sesaxeb<br />

mxareebis ganacxadi safinanso zedamxedvelobis<br />

saa<strong>ge</strong>ntoSi ukve Setanilia, ganixileba da<br />

daskvna saboloo biznes-<strong>ge</strong>gmis detalurad<br />

gacnobis Semdeg gaicema. `agroinvestbanki~ ba-<br />

TumSi mcxeTasa d TbilisSi sul 4 filialiT<br />

da serviscentriT aris warmod<strong>ge</strong>nili.<br />

bankSi 60 TanamSromelia da misi aqtivebi<br />

mimdinare wlis 1 maisis mdgomareobiT 23 604<br />

135 lars, saaqcio kapitali ki 20 131 070<br />

lars Sead<strong>ge</strong>ns.<br />

`saxalxo bankSi~ ki am skiTxTan dakavSirebiT<br />

jerjerobiT komentari ar keTdeba.<br />

ss `progresbanki~ Sps `kala kapitalis~<br />

Svilobili kompania, romlis Semad<strong>ge</strong>nlobaSia<br />

saqarTveloSi axladSemosuli ss `pirveli<br />

britanuli banki~ (First British Bank) samomavlod<br />

qselis gafarTovebas da momxmareblebisaTvis inovaciuri<br />

produqtebis SeTavazebas <strong>ge</strong>gmavs.<br />

banki mimdinare wels minimum erT serviscentrs<br />

TbilisSi, momavali wlidan, ki serviscentris<br />

regionebSic gaxsnasac <strong>ge</strong>gmavs. am mxriv<br />

rogorc bankSi aRniSnaven, foTis bazari sakmaod<br />

mimzidvelia.<br />

winaswari gaTvlebiT, banki saqarTvelos<br />

masStabiT xuTi wlis ganmavlobaSi 15 serviscentris<br />

gaxsnas <strong>ge</strong>gmavs.<br />

`banki orientirebulia korporaciul<br />

klientebze da pirvel etapze am raodenobis<br />

servis-centri sakmarisi iqneba am kategoriis<br />

klientebis momsaxurebisaTvis,~ - ganacxada<br />

bankis <strong>ge</strong>neralurma direqtorma irakli xoravam.<br />

rogorc bankis damfuZnebelma adam klerma<br />

saubrisas aRniSna, banki momxmarebels moqnil<br />

da inovaciur momsaxurebis sistemas<br />

SesTavazebs.<br />

`kala developmenti~ (uZravi qoneba) da ~kala<br />

enerji~ (ener<strong>ge</strong>tika).<br />

`progresbankma~ sabanko saqmienobis licenzia<br />

gasul wlis 31 dekembers miiRo da<br />

aqtiur sabanko saqmianobas 2008 wlis seqtemberSi<br />

daiwyebs.<br />

bankis direqtorTa sabWo 2009 wlisTvis<br />

`progresbankis~ universalur wamyvan bankad<br />

Camoyalibebas <strong>ge</strong>gmavs, romelic sabanko bazris<br />

yvela segmentze, Tavdapirvelad korporaciul,<br />

Semdeg fizikuri pirebis momsaxurebis<br />

mimarTulebiT axal teqnologiebs<br />

danergavs.<br />

sameTvalyureo sabWos Tavmjdomarea yofili<br />

premier-ministri zurab noRaideli. sabWos<br />

wevrebi stiuart merdoki da zviad xarebava<br />

arian.<br />

5-wliani <strong>ge</strong>gmis farglebSi 15 servis-centris gaxsnas <strong>ge</strong>gmavs<br />

saSemodgomod depozitebze saprocento<br />

ganakveTebis zrdaa mosalodneli<br />

sabanko depozitebze saprocento<br />

ganakveTebis awevas<br />

saqarTvelos bankebis asociaciis<br />

(sba) prezidenti saSemodgomod<br />

elis.<br />

zurab gvasalias informaciiT,<br />

saerTaSoriso bazarze<br />

likvidobis krizisidan gamomdinare,<br />

saqarTveloSi sesxebze<br />

saprocento ganakveTebis gazrdis<br />

paralelurad meanabreebisTvis<br />

sar<strong>ge</strong>belic gaizrdeba.<br />

gvasalia aRniSnavs, rom depozitebze<br />

ganakveTebi myisierad<br />

ar aiwia, radgan bankebma gaZvirebiuli<br />

resursis mozidvis Semdeg unda<br />

gaTvalon sakuTari riskebi da amis<br />

Sesabamisad depozitarebTan axali xelSekrulebebi<br />

gaaformon.<br />

am droisaTvis adgilobrivi bankebSi<br />

vadianobis da valutis mixedviT,<br />

anabrebis wliuri sar<strong>ge</strong>beli 5%-15%ia.<br />

gamonaklisia 17%, romelic bankis<br />

specialuri aqciis farglebSi ganszRvrul<br />

periodebSi moqmedebs.<br />

magaliTisaTvis, larSi denomin-<br />

irebul `saxalxo bankis~ 2-wlian vadian<br />

depozitze wliuri sar<strong>ge</strong>beli<br />

14,5%-ia, evroSi-10,75%, aSS dolarSi<br />

-13%, xolod 1 seqtembramde aqciis<br />

farglebSi SesaZlebelia wliuri 17%iani<br />

(larSi) sar<strong>ge</strong>blos miReba.<br />

`banki reslublikas~ maqsimaluri<br />

sare<strong>ge</strong>bli 15%, 2-3 wliani vadianobis<br />

larSi ganTavsebul depozitze aqvs.<br />

`Tibisi bankis~ analogiur produqtze<br />

ganakveTi 14,5%-ia.<br />

GBC<br />

sabanko sfero<br />

`banki klientebs inovaciur da moqnil<br />

produqtebs sTavazobs, rac gamoixateba sesxis<br />

umokles droSi aRebiT. klientebs aseve<br />

SeuZliaT ipoTekuri sesxebis aReba. male<br />

SevTavazebT axal produqtebs, davexmarebiT<br />

damwyeb da mcire biznesebs,~ - ganacxada adam<br />

klerma.<br />

`pirveli britanuli banki~ gasuli wlis<br />

bolos, banki `TeTris~ bazaze Camoyalibda,<br />

romlis sakontrolo paketi mis mflobel ss<br />

`TbilaviamSenis~ sameTvalyureo sabWos Tavmjdomarisgan,<br />

pantiko Tordiasgan ofSorulma<br />

kompania `monte kristo kepital limiTedma~<br />

8,5 mln. larad Seisyida.<br />

2008 wlis 1 maisis mdgomareobiT `pirveli<br />

britanuli bankis~ aqtivebis 13 730 814<br />

lars, mTliani valdebulbebi - 1 045 464<br />

lars, saaqcio kapitali ki 12 685 350 lars<br />

ar aRemateba da saqarTvelos bazarze moqmed<br />

22 banks Soris, romelTa aqtivebi 1 maisisTvis<br />

8,276 mlrd larze metia, bolo poziciazea.<br />

`saqarTvelos `saqarTvelos banki~ banki~ 30 30 milioni<br />

milioni<br />

laris laris Tamasuqebs Tamasuqebs gamouSvebs<br />

gamouSvebs<br />

`saqarTvelos banki~ larSi denominirebuli moklevadiani<br />

Tamasuqebis morig emisias ivlisSi ganaxorcielebs.<br />

`saqarTvelos bankis~ <strong>ge</strong>neraluri direqtoris irakli<br />

gilauris gancxadebiT, banki 30 milioni laris Rirebulebis<br />

Tamasuqebs gamouSvebs. Tamasuqze saprocento ganakveTi 7,5%iT<br />

ganisazRvra. analogiuri moculobis moklevadiani Tamasuqebis<br />

pirveli tranSi bankma aprilSi ganaxorciela.<br />

Tamasuqebis vadianoba 3-12 Tvemde meryeobs.<br />

am droisaTvis `saqarTvelos banks~ adgilobrivi bazrisTvis<br />

aqciebis garda, saerTaSoriso safondo bazrisTvis<br />

sadepozito xelwerilebi da korporaciuli obligaciebi<br />

gaCnia.<br />

6<br />

mikrosafinansomikrosafinansoorgaorga- nizacia nizacia ,,Tbilbizness~''<br />

,,Tbilbizness~''<br />

bankad bankad bankad gardaqmna gardaqmna surs<br />

surs<br />

bankad gardaqmna mikrosafinanso organizacias,<br />

`Tbilbizness~ surs da am mizniT molaparakebas<br />

ucxoel investorTan awarmoebs. kompaniis<br />

mizani kapitalis 12 milion laramde<br />

Sevsebaa, rac sabanko licenziis pirobaa.<br />

2006 wlamde `Tbilbiznesi~ bazarze bankis<br />

statusiT muSaobda, Tumca mas Semdeg rac<br />

erovnulma bankma sazedamxedvelo kapitalis<br />

minimaluri moculoba gazarda, bankma axali<br />

moTxovnis dasakmayofileblad damatebiT 2<br />

milionis mozidva ver SeZlo.<br />

mas Semdeg `Tbilbiznesi~ mikrosafinanso<br />

organizaciis statusiT muSaobs.<br />

mikrosafinansomikrosafinansoorgaorga- nizacia nizacia `konstantas~<br />

`konstantas~<br />

bankadbankad gardaqmnis gardaqmnis saksak-<br />

iTxs iTxs safinanso<br />

safinanso<br />

zedamxedvelobis<br />

zedamxedvelobis<br />

saa<strong>ge</strong>nto saa<strong>ge</strong>nto ganixilavs<br />

ganixilavs<br />

erovnul bankSi struqturuli cvlilebebis<br />

gamo, mikrosafinanso organizacia `konstantas~<br />

bankad gardaqmna ivlisisTvis gadaido.<br />

sabanko licenziis misaRebad erovnuli<br />

bankis nacvlad man axla safinanso zedamxedvelobis<br />

saa<strong>ge</strong>ntos unda mimarTos. `konstantas~<br />

menejmentis cnobiT, licenziis misaRebad<br />

aprilis Tvidan mzad arian da sabanko<br />

institutisTvis saWiro yvela moTxovnas<br />

akmayofileben. kompaniis aqtivebis<br />

moculoba am droisTvis 66 milioni laria<br />

da mikrosafinanso bazris 46% ukavia. bankad<br />

gardaqmnis Semdegac `konstanta~ aqcents mcire<br />

biznesis dakreditebaze aiRebs. am segmentSi<br />

misi konkurenti `prokreditbanki~ iqneba.<br />

Rico International-i -i Tamasuqe-<br />

TamasuqeTamasuqe-<br />

bis bis morig morig emisias emisias or<br />

or<br />

kviraSi kviraSi <strong>ge</strong>gmavs <strong>ge</strong>gmavs<br />

<strong>ge</strong>gmavs<br />

mikrosafinanso organizacia Rico International<br />

(riko -jgufi) Tamasuqebis morig emisias<br />

or kviraSi <strong>ge</strong>gmavs. Rico International-is <strong>ge</strong>neraluri<br />

menejeris Temur Coxelis informciiT,<br />

mesame tranSis farglebSi fasiani qaRaldebi<br />

evrosa da aSS dolarSi iqneba denominirebuli.<br />

100 000 evros Tamasuqebi Rico International-ma<br />

2008 wlis martSi gamouSva. erTi Tamasuqis<br />

nominaluri Rirebuleba aTasi evro,<br />

saprocento ganakveTi ki 13%-iT ganisazRvra<br />

(myidveli erTi wlis bolos 13%-ian sar<strong>ge</strong>bels<br />

miiRebs). Rico International-is Tamasuqebis (aSS<br />

dolarSi) pirveli tranSi 2008 wlis TebervalSi<br />

ganxorcielda, da<strong>ge</strong>gmili 100 000 aSS<br />

dolaris nacvlad, maRali moTxovnis Sesabamisad<br />

kompaniam 205 000 aSS dolaris fasiani<br />

qaRaldebi gamouSva. saprocento ganakveTi 16%iT<br />

ganisazRvra. Tamasuqi uZravi qonebiT da<br />

oqroTia uzrunvelyofili. Rico International-is<br />

Tamasuqis dafarvaze garantias riko<br />

jgufi gascems.

---

#159<br />

ivnisi<br />

ivnisi<br />

- - batono batono daviT, daviT, Tqven Tqven ambobT, ambobT,<br />

ambobT,<br />

rom rom eleqtroenergiis eleqtroenergiis sabiTumo sabiTumo fasi<br />

fasi<br />

3,5 3,5 TeTria, TeTria, mosaxleobisTvis mosaxleobisTvis ki<br />

ki<br />

tarifitarifi 13, 13, 16 16 da da 17 17 TeTriT TeTriT ganganisazRvreba.isazRvreba.isazRvreba.<br />

ratomaa ratomaa ase ase Zviri Zviri momo-<br />

mxmareblisTvis mxmareblisTvis eleqtroenergia eleqtroenergia da<br />

da<br />

iqneb iqneb agvixsnaT, agvixsnaT, rogor rogor miiReba miiReba da<br />

da<br />

iangariSeba iangariSeba arsebuli arsebuli arsebuli tarifi?<br />

tarifi?<br />

- tarifs aqvs md<strong>ge</strong>nelebi, es aris<br />

<strong>ge</strong>neracia, gadacema - dispeCerizacia<br />

da ganawileba. yvelaze didi md<strong>ge</strong>ne-<br />

lia ganawilebis wili Cvens qveyana-<br />

Si, normalur situaciaSi ganawilebis<br />

wili 25-30 procenti unda iyos,<br />

xolo CvenTan es cifri 65%-ia. Tvi-<br />

Ton es procentic miuTiTebs imaze,<br />

rom samomxmareblo tarifi arajansaRad<br />

aris gadanawilebuli. <strong>ge</strong>neraciis<br />

anu warmoebis xarjebis wili<br />

tarifSi Zalian mcirea, xolo ganawilebis<br />

Zalian didi, Tavdapirvelad<br />

am tendencias safuZveli Cauyara<br />

`eiesis~ Semosvlam, tradicia<br />

gaagrZela `raom~, xolo Semdgom<br />

Cvenma xelisuflebam `energo prosac~<br />

igive tarifi misca. rodesac<br />

gaerTianebuli sadistribucio kompaniis<br />

gayidvis sakiTxi dadga, saxelmwifom<br />

CaTvala, rom maRali tarifis<br />

dawesebis SesaZlebloba waaxalisebda<br />

myidvels. ase rom, Cven gvaqvs<br />

ganawilebis Zalian maRali mar-<br />

Ja, romelic realur xarjebze ar<br />

aris dafuZnebuli. es tarifis araobieqturi<br />

nawilia.<br />

- - aRd<strong>ge</strong>nili aRd<strong>ge</strong>nili aRd<strong>ge</strong>nili mcire mcire hesebi,<br />

hesebi,<br />

romelicromelic samTavrobo samTavrobo piaris piaris erTerTerTierTierTi<br />

Zlieri Zlieri mxarea, mxarea, Warb Warb eleqtroeleqtro-<br />

energias energias ver ver yidian, yidian, amis amis gamo<br />

gamo<br />

garkveuli garkveuli maTgani maTgani gaCerda gaCerda gaCerda kidec. kidec.<br />

kidec.<br />

Warbi Warbi Warbi eleqtroenergiis eleqtroenergiis gamoyenebas,<br />

gamoyenebas,<br />

romelic romelic samomxmareblo samomxmareblo fasTan<br />

fasTan<br />

SedarebiT SedarebiT gacilebiT gacilebiT iafia, iafia, verc<br />

verc<br />

mosaxleoba mosaxleoba mosaxleoba axerxebs. axerxebs. axerxebs. ratom ratom ratom ver<br />

ver<br />

xdebaxdeba mcire mcire mcire hesebis hesebis SesaZleblobeSesaZleblobe-<br />

bis bis srulad srulad gamoyeneba gamoyeneba gamoyeneba da da Cveni Cveni<br />

Cveni<br />

resursebisresursebis mosaxleobis mosaxleobis yofaze yofaze asaxasaxva,va,<br />

ra ra sakanonmdeblo sakanonmdeblo da da praqtikupraqtiku-<br />

li li li barierebi barierebi arsebobs?<br />

arsebobs?<br />

- ara marto mcire hesebis, aramed<br />

didi hesebis simZlavreebis gazrda<br />

am <strong>xelisuflebis</strong> pirobebSi namdvilad<br />

moxda. problemaa zedmeti<br />

eleqtroenergiis gasaReba imitom,<br />

rom TviTon samomxmareblo tarifia<br />

maRali. imis gamo, rom moxda<br />

datacebebis maqsimalurad Semcireba<br />

da tarifi Zalian maRalia, msyidvelobiTunarianoba<br />

ki Zalian dabali,<br />

amis gamo mosaxleoba ver<br />

iTvisebs eleqtroenergiis im moculobas,<br />

ra simZlavreebic qveyanas aqvs.<br />

TiTqos eleqtroenergia yvelas aqvs,<br />

Tumca is Zalze Zviria da moxmareba<br />

ver xerxdeba. am sakiTxis gadawyvetis<br />

mTavari gza aris ganawilebis<br />

marJis Semcireba da tarifis sworad<br />

gansazRvra. meti simZlavreebis<br />

gamomuSaveba swori gzaa, raxan misi<br />

eqsporti SesaZlebelia.<br />

- - - mcire mcire hesebis hesebis warmatebiT<br />

warmatebiT<br />

amuSavebaSiamuSavebaSiamuSavebaSi erT-erTi erT-erTi erT-erTi mTavari mTavari saksakiTxiaiTxia<br />

investiciebi, investiciebi, rogori rogori sakanonsakanon-<br />

mdeblomdeblo baza baza da da realuri realuri mdgomarmdgomareobaeoba<br />

xvdeba xvdeba aq aq investors, investors, ra ra kokompaniebiampaniebia<br />

ukve ukve ukve Semosuli Semosuli saqarTvelo-<br />

saqarTvelo-<br />

saqarTvelo-<br />

Si?<br />

Si?<br />

- CvenTan samarTlebriv bazaSia<br />

problemebi, aseve mniSvnelovania es<br />

sakiTxi rogorc biznesi. isev <strong>ge</strong>neraciis<br />

problemas davubrundebi.<br />

warmoebis tarifi aris Zalzed dabali.<br />

aseTi tarifis pirobebSi axali<br />

warmoebebis Seqmna ar aris waxalisebuli.<br />

marTalia, kanonmdeblo-<br />

ba iZleva saSualebas, rom axali<br />

<strong>ge</strong>neraciebi Zveli tarifiT aRar<br />

daregulirdes, magram arsebuli<br />

sistema mainc moqmedebs axal <strong>ge</strong>neraciebze.<br />

meore sakiTxia perspeqtiva<br />

da momavali am warmoebebis, saqarTvelos<br />

bazari Zalian pataraa. raxan<br />

warmoebis tarific Zalzed dabalia.<br />

am situaciaSi investoris daintereseba<br />

unda iyos eqsportze energiis<br />

gatana. es uflebebi garkveulwilad<br />

arsebobs, magram am sferoSi bevri<br />

gaurkvevlobacaa. eleqtroenergia da<br />

hidroresursi ar aris definicirebuli,<br />

rogorc bunebrivi resursi,<br />

iseve rogorc navTobi an bunebrivi<br />

airi, Sesabamisad, es bunebrivi efeqtebi<br />

fuWad ikar<strong>ge</strong>ba da saxelmwifo<br />

misgan arafers iRebs. TiTqos es situacia<br />

investorisTvis kargia, magram<br />

saqmisadmi aseTi damokidebuleba imdenad<br />

araracionaluria, rom investorebSi<br />

gaurkvevlobis gancdas<br />

iwvevs. cxadia, rom zogadad energiis<br />

fasi matulobs, sazogadoebaze es<br />

procesi mtkivneulad aisaxeba da<br />

mTavrobis am politikis pirobebSi<br />

SeiZleba amas daZabulobac mohyves.<br />

hidroresursebSi ganxorcielebuli<br />

investicia nebismier SemTxvevaSi gr-<br />

Zelvadiania, amitom investorisTvis<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

mniSvnelovania ara marto sakanonmdeblo<br />

baza, aramed am sakiTxisadmi<br />

saxelmwifoebrivi damokidebuleba.<br />

erTi sityviT, bevri ramaa gasaTvaliswinebeli<br />

- politikuri stabiluroba,<br />

mezobeli qveynebis bazrebi,<br />

satranzito saSualebebi.<br />

- - Tqven Tqven Tqven isaubreT isaubreT Zalian Zalian sain- sain- sain- sain-<br />

tereso tereso da da TiTqos TiTqos ucnaur ucnaur Temaze<br />

Temaze<br />

arsebuliarsebuliarsebuli teqnologiebis teqnologiebis gamoygamoy-<br />

enebiT enebiT enebiT eleqtroenergiiT eleqtroenergiiT gaTboba<br />

gaTboba<br />

ufro ufro ufro iafi iafi jdeba, jdeba, vidre vidre vidre bunebrivi<br />

bunebrivi<br />

airiT,airiT, agvixseniT, agvixseniT, agvixseniT, ra ra unda unda gavakegavake- gavake- gavakegavake- ToT, ToT, rom rom ufro ufro iafad iafad gavTbeT?<br />

gavTbeT?<br />

- Cemi es mosazreba ar aris<br />

`xelisuflebam miznad dasaxa qveynis<br />

gazifikacia, rasac araswor nabijad vTvli~<br />

``hidroresursebis ``hidroresursebis efeqtiani efeqtiani gamoyenebis<br />

gamoyenebis<br />

SemTxvevaSi SemTxvevaSi bunebrivi bunebrivi airi airi airi aRar aRar dagvWirdeba``<br />

dagvWirdeba``<br />

ener<strong>ge</strong>tika<br />

gamowveuli mxolod axali teqnologiebiT.<br />

me vakritikeb mTlianad saxelmwifo<br />

politikas, romelic gacxadda<br />

winasaarCevno periodSi. xelisuflebam<br />

miznad dasaxa qveynis gazifikacia,<br />

rasac araswor nabijad vTvli.<br />

xelisuflebam ganacxada, rom<br />

gazifikacia aris gamosavali, xelisuflebam<br />

icis, rom es procesi gazrdis<br />

samomxmareblo tarifebs, magram<br />

mainc ambobs, rom gazi iafi iqneba,<br />

vidre eleqtroenergia, es ar aris<br />

swori. me ramdenime argumenti maqvs.<br />

1 kuburi metri bunebrivi gazis Semcveloba<br />

es aris 8,8 kilovati. Cven<br />

Tu SevadarebT fasebs - bunebrivi<br />

airi 1 kb/m Rirs 51 TeTri. xolo<br />

erTi kilovati eleqtroenergia 13-<br />

17 TeTri. ase gamodis, rom eleqtroenergia<br />

ufro Zviri jdeba. magram<br />

aseTi midgoma arasworia. Cven erTmaneTs<br />

unda SevadaroT energiis <strong>ge</strong>neraciis<br />

Rirebulebebi, erTi kb/m<br />

gazis fasi daaxloebiT 30 TeTria,<br />

xolo erTi kilovatis 3,5 TeTri,<br />

martivi gadamravlebiTac Cans, rom<br />

eleqtroenergia gacilebiT iafia.<br />

amasTan erTad bunebriv airze mo-<br />

``Cven ``Cven ``Cven gvaqvs gvaqvs daaxloebiT daaxloebiT ori ori miliardi miliardi kuburi<br />

kuburi<br />

metri metri bunebrivi bunebrivi airis airis Semcveli Semcveli hidroresursi. hidroresursi. es<br />

es<br />

Zalian Zalian seriozuli seriozuli resursia resursia da da mas mas racionaluri<br />

racionaluri<br />

gamoyeneba gamoyeneba gamoyeneba sWirdeba``<br />

sWirdeba``<br />

interviu interviu yofil yofil yofil energoombucmen energoombucmen daviT daviT ebraliZesTan<br />

ebraliZesTan<br />

muSave gamaTbobeli xelsawyoebis margi<br />

qmedebis koeficienti daaxloebiT<br />

mxolod 40-50 procentia, amas<br />

Tan erTveba isic, rom miwodebisas<br />

danakar<strong>ge</strong>bi gacilebiT maRalia bunebrivi<br />

airis gamoyenebisas. eleqtroenergiis<br />

aTviseba ki 100%-iT xdeba.<br />

anu, Cven erTi kuburi metri bunebrivi<br />

airis Sesabamisi energiis miReba<br />

gvijdeba gacilebiT Zviri, vidre Sesabamisi<br />

energiis miReba eleqtroenergiis<br />

gamoyenebidan. garda amisa,<br />

dRevandeli teqnologiebi, Tanamedrove<br />

splitsistemebi (`zimaleta~),<br />

romlebic ukve Cvens bazarzec aris<br />

warmod<strong>ge</strong>nili, iZleva saSualebas,<br />

rom yovel daxarjul kilovatze,<br />

miviRoT 3-4 kilovatis Sesabamisi<br />

energia. am sakiTxebs davumatoT erTi<br />

sayuradRebo niuansi. bunebriv<br />

airSi gadaxdili Tanxa midis sxva<br />

qveyanaSi, eleqtroenergiaSi<br />

gadaxdili Tanxis didi nawili<br />

ki, miuxedavad imisa, rom igi<br />

araqarTul kompaniebs<br />

ekuTvnis,<br />

rCeba qarTul<br />

ekonomikaSi.<br />

yvela am<br />

niuansesbis gaTvaliswinebiT swored<br />

saxelmwifom unda dasaxos swori prioritetebi.<br />

dRevandel situaciaSi<br />

momxmarebels, ra Tqma unda, bunebrivi<br />

airi ufro iafi ujdeba, vidre<br />

eleqtroenergia, magram es saxelmwifos<br />

araswori politikis Sedegia.<br />

amas swori Sefasebebisa da gaTvlebis<br />

gakeTeba sWirdeba. Cveni saxelmwifos<br />

strategia unda iyos<br />

hidroresursebis maqsimaluri aTviseba<br />

da misi saxelmwifosa da xalxis<br />

samsaxurSi Cayeneba.<br />

- - Cven Cven gvaqvs gvaqvs uzarmazari<br />

uzarmazari<br />

hidroresursebi,hidroresursebi, romlis romlis saSusaSualebiTalebiT<br />

gacilebiT gacilebiT gacilebiT iafi iafi eleqtroeleqtroenergiisenergiisenergiis<br />

gamomuSaveba gamomuSaveba SegviZlia, SegviZlia, SegviZlia, vividredre<br />

Cvens Cvens Cvens mezoblebs, mezoblebs, mezoblebs, romlebic romlebic enen-<br />

ergiis ergiis ergiis misaRebad misaRebad sxva sxva ufro ufro Zvir<br />

Zvir<br />

saSualebebs saSualebebs iyeneben. iyeneben. garda garda garda amisa,<br />

amisa,<br />

Tqven Tqven isaubreT isaubreT imaze, imaze, imaze, rom rom eleqtro- eleqtroeleqtroenergiisenergiisenergiis warmoebas warmoebas Cvenma Cvenma saxelmsaxelm-<br />

wifom wifom prioriteti prioriteti unda unda mianiWos,<br />

mianiWos,<br />

rogor rogor viyenebT viyenebT realurad realurad am<br />

am<br />

resurss?<br />

resurss?<br />

- sxva qveynebSi, azerbaijanSi,<br />

ruseTsa da TurqeTSi eleqtroenergiis<br />

sawarmoeblad iyeneben bunebriv airs.<br />

iq, bunebrivia, gazis moxmareba ufro<br />

iafia, magram saqarTvelo am kuTxiT<br />

specifikuria. Cven eleqtroenergiis<br />

misaRebad bunebrivi airi ar gvWirdeba.<br />

momavalSi, roca gazi kidev ufro<br />

gaZvirdeba, eleqtroenergia kidev<br />

ufro konkurentuli gaxdeba bunebriv<br />

airTan. amitom, Cveni saxelmwifos<br />

strategia unda iyos hidroresursebis<br />

maqsimaluri gamoyeneba-aTviseba. unda<br />

Seiqmnas kidev ufro meti simZlavreebi<br />

da es qveynis sasikeTod movixmaroT<br />

7<br />

da ara ise, rogorc dRes xdeba. Cven<br />

hidroresursebis potencials vyidiT<br />

da sanacvlod arafers viRebT. Tu<br />

CavxedavR ener<strong>ge</strong>tikis saministros mier<br />

gamocxadebul pirobebs, romlis<br />

mixedviTac apireben<br />

hidroresursebis gayidvas,<br />

cxadi xdeba, rom erTaderTi,<br />

rasac iTxoven,<br />

aris is, rom mwarmoeblebma<br />

warmoebuli<br />

eleqtroenergiis mcire<br />

nawili datovon<br />

saqarTvelo-<br />

Si. bolo<br />

periodSi Turqebma SeiZines aWaraSi 7<br />

hesis mSeneblobis ufleba. maT mimarT<br />

saxelmwifos mxridan erTaderTi moTxovna<br />

aris, rom zamTarSi warmoebuli<br />

energiis 40% datovon saqarTveloSi.<br />

es faqtobrivad gaCuqebaa, radgan Cveni<br />

hesebi zamTarSi arafers gamoimuSaveben.<br />

ZiriTadi gamomuSaveba xdeba<br />

gazafxulsa da Semodgomaze. investorebs<br />

ar uCndebaT dagrovebiTi hesebis<br />

aSenebis motivic, ratom daagrovebs<br />

zamTrisTvis, roca sxva periodSi<br />

mTlianad SeeZleba gatana. saqmis-<br />

``Tu ``Tu CavxedavT CavxedavT ener<strong>ge</strong>tikis ener<strong>ge</strong>tikis saministros saministros mier<br />

mier<br />

gamocxadebul gamocxadebul pirobebs, pirobebs, romlis romlis mixedviTac mixedviTac apireben<br />

apireben<br />

hidroresursebis hidroresursebis gayidvas, gayidvas, cxadi cxadi xdeba, xdeba, rom<br />

rom<br />

erTaderTi, erTaderTi, rasac rasac iTxoven, iTxoven, aris aris is, is, rom<br />

rom<br />

mwarmoeblebma mwarmoeblebma warmoebuli warmoebuli eleqtroenergiis eleqtroenergiis mcire<br />

mcire<br />

nawili nawili datovon datovon saqarTveloSi``<br />

saqarTveloSi``<br />

admi aseTi midgomis Sedegad<br />

saqarTveloSi araferi ar darCeba. ar<br />

vgulisxmob mxolod energias. radgan<br />

eleqtroenergia ar aris bunebrivi<br />

simdidre, masze gadasaxadi ar aris,<br />

aseve ar aris dRg, radgan eqsporti<br />

ar ibegreba. erTaderTi, rac kanonis<br />

mixedviT investorma unda gadaixados,<br />

aris mo<strong>ge</strong>bis gadasaxadi, magram axali<br />

investiciebi mo<strong>ge</strong>bas 10-15 wlis<br />

ganmavlobaSi ar aCvenebs. ase rom, xdeba<br />

Cveni hidroresursebis ganiaveba.<br />

Cven realurad SegviZlia Zviri bunebrivi<br />

airi CavanacvloT eleqtroenergiiT,<br />

magram am SesaZleblobas ver<br />

viyenebT. saxelmwifo unda amovides<br />

iqidan, rom hidroresursebis perspeqtiva<br />

udidesia, Cven gvaqvs daaxloebiT<br />

ori miliardi kuburi metri<br />

bunebrivi airis Semcveli hidroresursi.<br />

es Zalian seriozuli resursia<br />

da mas racionaluri gamoyeneba<br />

sWirdeba.<br />

esaubra<br />

esaubra<br />

zurab zurab zurab kukulaZe<br />

kukulaZe<br />

kukulaZe<br />

TurqeTi mzadaa `Sah-denizis~ sabadodan<br />

mopovebuli gazis mTliani moculoba Seisyidos<br />

TurqeTi azerbaijanuli `Sah-denizis~ sabadodan mopovebuli gazis mTliani moculobis Sesyidvis iniciativiT<br />

gamodis.<br />

amis Sesaxeb azerbaijanis mrewvelobisa da ener<strong>ge</strong>tikis ministrma natik alievma ganacxada, iuwyeba azerbaijanuli<br />

sainformacio saa<strong>ge</strong>nto Trend Capital.<br />

`rogroc Turqulma mxrem ganacxada, is mzad aris azerijanuli gazis sruli moculoba Seisyidos. azerbaijani<br />

airCevs im SeTavazebas, romelic yvelaze ufro mor<strong>ge</strong>buli iqneba qveynis interesebs,~ - ganacxada alievma.<br />

azerbaijanuli gazis Sesyidvis survili garda TurqeTisa ruseTma, iranma, saberZneTma, italiam, Sveicariam,<br />

bulagreTma da sxva qveynebmac gamoTqves.<br />

azerbaijanuli gazis ruseTisaTvis, an iranisTvis SesaZlo miyidvasTan dakavSirebiT, alievma aRniSna, rom<br />

azerbaijans `Sah-denizis~ proeqtis farglebSi gaaCnia sakuTari gazsadeni baqo-Tbilisi-erzerumi, romelic<br />

gazis saWiro moculobis gareSe ver darCeba.

---

#159<br />

ivnisi<br />

ivnisi<br />

xelisufleba xSirad amayobs sainvesticio<br />

garemos kvlevis sxvadasxva<br />

Sede<strong>ge</strong>biT da mravali sxvadasxva<br />

donis reitinguli kvlevis<br />

maCveneblebiT. am reitin<strong>ge</strong>bis mixedviT,<br />

saqarTvelo ganviTarebis sxvadasxva<br />

sferoebSi uswrebs italias,<br />

<strong>ge</strong>rmaniasa da safran<strong>ge</strong>Ts. msgavsi<br />

Sede<strong>ge</strong>bis miReba kargia, magram realobas<br />

cotaTi mainc rom asaxavdes,<br />

ukeTesi iqneboda. ZiriTadad, es ucxouri<br />

organizaciebis mier organizebuli<br />

kvlevebia, romelTa stimulirebasac<br />

zogjer gaurkveveli<br />

motivebi udevs safuZvlad. am TvalsazrisiT<br />

gamonakliss warmoad<strong>ge</strong>ns<br />

kavkasiis universitetis mier<br />

saqarTvelos sainvesticio klimatis<br />

Semswavleli kvlevis Catareba.<br />

amerikuli jorj meisonis universitetis<br />

dakveTiT kavkasiis universitetma<br />

saqarTvelos sainvesticio<br />

klimatis kvleva Caatara, romlis<br />

ZiriTad mizans qveyanaSi pirdapiri<br />

ucxouri investiciebis zrdis<br />

Semaferxebeli faqtorebis gamovlena<br />

warmoad<strong>ge</strong>nda. gamokiTxul iqna<br />

saqarTveloSi dRes moqmedi 10<br />

qarTuli da 10 ucxouri kompania.<br />

ucxouri investiciebis qveyanaSi Semosvlis<br />

ZiriTad Semaferxebel faq-<br />

torebad dasaxelebuli iqna<br />

ekonomikuri da politikuri stabilurobis<br />

dabali xarisxi (88,8%);<br />

damoukidebeli sasamarTlos ararseboba,<br />

romelic gamokiTxulTa 50%ma<br />

daasaxela; saxelmwifo moxeleebis<br />

kerZo biznessaqmianobaSi dausabuTebeli<br />

Careva. (40%)<br />

kvlevis erT-erTi avtori,<br />

ekonomikis doqtori giorgi Ra-<br />

RaniZe miiCnevs, rom miuxedavad<br />

saqarTvelos mTavrobis ambiciuri<br />

programisa, Seeqmna qveyanaSi ul-<br />

traliberaluri ekonomikuri reJimi,<br />

investorebi damoukidebeli sasamarTlo<br />

sisitemis ar qonas uCivian,<br />

rac maTi investiciebis daucvelobas<br />

niSnavs. misi TqmiT, damoukidebeli<br />

sasamarTlo sistemis sisuste<br />

da saxelmwifo moxeleTa Careva biznesurTierTobebSi<br />

ekonomikuri<br />

danaSaulisaTvis noyier safuZvels<br />

qmnis. `rodesac ar arsebobs<br />

damoukidebeli sasamarTlo, maSin<br />

iqmneba SesaZlebloba, rom saxelmwifo<br />

moxele dausabuTeblad Caerios<br />

kerZo biznesurTierTobebSi,<br />

aq saubaria dausabuTebel<br />

Carevaze<br />

da ara imaze, rac<br />

saxelmwifo moxeles<br />

TavisTavad evaleba.<br />

Cven kiTxvarSi sxva<br />

formiTac vcadeT gagverkvia es sakiTxi.<br />

davsviT kiTxva, ra ar moswonT<br />

investorebs saqarTveloSi da igive<br />

pasuxi miviReT. investorebisTvis yvelaze<br />

didi problemaa saxelmwifo<br />

moxeleebis dausabuTebeli Careva maT<br />

biznesSi~, - acxadebs giorgi Ra-<br />

RaniZe.<br />

kvlevis Sede<strong>ge</strong>bi ar gakvirvebia<br />

ekonomikis eqsperts nodar xadurs.<br />

``CvenTan, ``CvenTan, xSir xSir SemTxvevaSi, SemTxvevaSi, ucxoeli ucxoeli investorebi<br />

investorebi<br />

yiduloben yiduloben mxolod mxolod Senobas Senobas da da bizness bizness iwyeben<br />

iwyeben<br />

nulidan`` nulidan`` - - - nodar nodar nodar xaduri<br />

xaduri<br />

igi miiCnevs, rom dRes mTavrobis<br />

mTavar amocanas saxlmwifo politikisa<br />

da biznesis erTmaneTisgan gamijvna<br />

unda warmoad<strong>ge</strong>ndes, `saxelmwifos<br />

is organoebi, romelTa<br />

saqmec ar aris biznesTan urTier-<br />

Toba, xSirad marTlac seriozulad<br />

erevian biznessaqamianobebSi. eseni<br />

arian yvela kategoriis saxelmwifo<br />

moxeleebi, dawyebuli wvrili Cinovnikebidan<br />

samarTaldamcavi struqturebis<br />

warmomad<strong>ge</strong>nlebiT damTavrebuli.<br />

mTavari amocana, romel-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

`investorebisTvis yvelaze didi<br />

problema saxelmwifo moxeleebis<br />

biznessaqmianobaSi Carevaa~<br />

ic xelisuflebam unda<br />

dasaxos, aris zustad is,<br />

rom TandaTanobiT unda<br />

moaxerxos saxelmwifosa da<br />

biznesis erTmaneTisagan<br />

gamijnva da maT Soris<br />

partnioruli urTierTobebis<br />

uzrunvelyofa.<br />

winaaRmdeg SemTxvevaSi,<br />

saqarTveloSi seriozuli<br />

investiciebis Semosvla<br />

warmoud<strong>ge</strong>nelia~.<br />

pirdapiri ucxouri investiciebis<br />

qveyanaSi Semosvlis Semaferxebli<br />

mizezebis garkvevisas<br />

gamokiTxuli kompaniebis umravleobam<br />

qveyanaSi bolo dros ofSoruli<br />

kapitalis moZaleba daasaxela.<br />

2007 wels mxolod didi britane-<br />

Tis virjiniis kunZulebis ofSoruli<br />

zonidan Semosulma kapitalma<br />

qveyanaSi ganxorcielebuli mTliani<br />

investiciebis 10 procenti Seadgina.<br />

yvelasaTvis cnobilia, rom ofSoruli<br />

kapitalis didi nawili Savi<br />

fulia, sul axlaxans foTSi gaxsnili<br />

Tavisufali ekonomikuri zona<br />

``evropaSi, ``evropaSi, garda garda imisa, imisa, rom rom investiciebi<br />

investiciebi<br />

upirobod upirobod aris aris daculi, daculi, moqmedebs moqmedebs pirdapiri<br />

pirdapiri<br />

SeRavaTebi SeRavaTebi iseTi iseTi investorebisaTvis, investorebisaTvis, investorebisaTvis, romlebic<br />

romlebic<br />

qmnian qmnian axal axal samuSao samuSao adgilebs`` adgilebs`` - - giorgi giorgi RaRaniZe<br />

RaRaniZe<br />

ofSoruli kapitalis Semodinebis,<br />

Sesabamisad, fulis gaTeTrebis<br />

Zalzed maRali riskis matarebelia.<br />

giorgi RaRaniZe miiCnevs, rom of-<br />

Soruli kapitalis moZaleba<br />

strategiul investorebs<br />

saqarTvelosadmi ndobas daukargavs,<br />

rac grZelvadian perspeqtivaSi<br />

Zalzed uaryofiT Sede<strong>ge</strong>bs gamoiwvevs.<br />

misi TqmiT, Tavisufali ekonomikuri<br />

zonebidan miRebuli efeqtebi<br />

yovelTvis warmoad<strong>ge</strong>ns arCevans<br />

mokle da graZelvadian prioiritetebs<br />

Soris. arCevani Cvenzea.<br />

`swori pariteti grZel da moklevadian<br />

interesebs Soris yovelTvis<br />

unda iyos daculi. yvelafris gr-<br />

Zelvadian periodSi da<strong>ge</strong>gmva warmoud<strong>ge</strong>nelia,<br />

magram ar SeiZleba<br />

moklevadian efeqtebs vamsxverploT<br />

qveynis strategiuli, grZelvadiani<br />

efeqtebi. am TvalsazrisiT, foTis<br />

Tizis Seqmna, rasakvirvelia, Seicavs<br />

garkveul risks, rom aq fulis gaTe-<br />

Treba moxdeba. amis winaaRmdeg Cven<br />

unda avamoqmedoT qmediTi dacviTi<br />

saSualebebi, Cveni kanonmdebloba<br />

maqsimalurad unda mivaaxlooT<br />

evrokavSiris kanonmdeblobasTan da<br />

gamoviyenoT maTi warmatebuli gamo-<br />

cdileba~, miiCnevs giorgi RaRaniZe.<br />

Cveni mTavroba gamudmebiT imeorebs,<br />

rom gasul wels qveyanaSi Semosulma<br />

miliard 700 milioni<br />

dolaris investiciam 40 aTasi samuSao<br />

adgili Seqmna. logikas Tu<br />

gavyvebiT, dRes umuSevarTa ricxvi<br />

qveyanaSi mizeruli unda iyos, Tum-<br />

ca imis dad<strong>ge</strong>nas, rom umuSevrobis<br />

done gasul welTan SedarebiT TiTqmis<br />

ar Semcirebula, didi dakvirveba<br />

ar sWirdeba. mizezi martivia, yvela<br />

investicia momentalurad samuSao<br />

adgilebis Seqmnas ar niSnavs. sainformacio<br />

saa<strong>ge</strong>nto `jorjian biznes<br />

konsaltingis~ redaqtori irakli<br />

leqvinaZe miiCnevs, rom Semosuli investiciebis<br />

efeqtianoba did wilad<br />

danazo<strong>ge</strong>bis Seqmnazea damokidebuli.<br />

sxva SemTxvevaSi Semosuli<br />

ucxouri<br />

kapiatali mxolod<br />

viwro wreSi itrialebs,<br />

rac garkveuli<br />

drois Semdeg<br />

qveynidan kvlav<br />

gaedineba. `Semosuli<br />

investiciebis gardaqmna unda<br />

moxdes mosaxleobis danazo<strong>ge</strong>bSi,<br />

romlebic isev ekonomikaSi itrialebs<br />

da sxvadasxva saxis dar<strong>ge</strong>bSi investirdeba.<br />

aseTi midgomis gamoyeneba,<br />

gamoiwvevs imas, rom masStaburi<br />

investiciebi aisaxeba mosaxleobis<br />

dasaqmebaSi, maTi Semosavlebis realur<br />

zrdasa da keTildReobaze~, -<br />

acxadebs irakli leqvinaZe.<br />

Cveni qveynis sainvesticio ruqas<br />

Tu gadavxedavT, ofSorul kapital-<br />

Tan erTad mZlavrad sWarbobs saxelmwifo<br />

investiciebi. aravisTvis ar<br />

aris ucxo is faqti, rom Cveni<br />

strategiuli obieqtebis umravlesoba,<br />

rom rusul da yazaxur saxelmwifo<br />

kapitalze iqna gayiduli.<br />

eqspertebi miiCneven, rom 4 mlniani<br />

bazris mqone qveyna, rogorsac<br />

saqarTvelo miekuTvneba, saxelmwifo<br />

investiciebze uars ver ityvis. uaris<br />

Tqma erTia da meore, imis gansazRvra,<br />

ra dgas aRniSnuli investiciebis<br />

miRma an ra sferoSi ideba igi. mTavaria,<br />

saxelmwifo iqneba investicia<br />

Tu kerZo, igi im sferoSi Caidos,<br />

romelic ralur ekonomikur dovlaTs<br />

da Sesabamis samuSao adgilebs<br />

Seqmnis. `mizani unda iyos is, rom<br />

8<br />

investorebisa da Cveni interesebi<br />

daemTxvas erTmaneTs, investiciebi im<br />

sferoebSi unda ganxorcieldes,<br />

romlebic xels Seuwyobs ekonomikis<br />

realur seqtorSi samuSao adgilebis<br />

zrdas. am SemTxvevaSic unda gamoviyenoT<br />

warmatebuli evropuli<br />

gamocdileba. iq garda imisa, rom<br />

``yvelafris ``yvelafris grZelvadian grZelvadian periodSi periodSi da<strong>ge</strong>gmva<br />

da<strong>ge</strong>gmva<br />

warmoud<strong>ge</strong>nelia, warmoud<strong>ge</strong>nelia, magram magram ar ar SeiZleba, SeiZleba, moklevadian<br />

moklevadian<br />

efeqtebs efeqtebs vamsxverploT vamsxverploT qveynis qveynis strategiuli,<br />

strategiuli,<br />

grZelvadiani grZelvadiani efeqtebi`` efeqtebi`` - - giorgi giorgi RaRaniZe<br />

RaRaniZe<br />

investiciebi upirobod aris daculi,<br />

moqmedebs pirdapiri SeRavaTebi<br />

iseTi investorebisTvis, romlebic<br />

qmnian axal samuSao adgilebs. gadamzadebisa<br />

da msgavsi programebi<br />

erTmniSvnelovnad kargia, Tumca,<br />

dasaqmebis wasaxaliseblad saWiroa<br />

Semdgomi nabijebis gadadgma~, - miiCnevs<br />

giorgi RaRaniZe.<br />

Cveni qveyanis sainvesticio paket-<br />

Si pirdapiri ucxouri investiciebis<br />

wili, porTfelurTan SedarebiT, ma-<br />

Ralia. eqspertebi porTfeluri investiciebis<br />

simciris martiv mizezebze<br />

saubroben. qarTuli safondo<br />

bazari saTanado doneze jer kidev<br />

ara aris ganviTarebuli. dRes moqmedi<br />

kompaniebis is nawili, romelebic<br />

Cvens ekonomikur cxovrebaSi aminds<br />

qmnian, maTi arcerTi aqcia safondo<br />

bazris listingSi ar fiqsirdeba.<br />

`Zalian martivad Tu avxsniT, portfeluri<br />

investicia arsebuli kompaniebis<br />

aqciebis yidvas niSnavs. samwuxarod,<br />

saqarTveloSi Zalian mcirea ise-<br />

Ti sawarmoebi, romlebic ucxoelebs<br />

daaintersebs. CvenTan, xSir SemTxveva-<br />

Si, ucxoeli investorebi yiduloben<br />

mxolod Senobas da bizness iwyeben<br />

nulidan~, - acxadebs nodar xaduri.<br />

saqarTvelos sainvesticio klimatis<br />

kvlevis Sede<strong>ge</strong>bi saxezea: politikuri<br />

da ekonomikuri arastabiluroba,<br />

damoukidebeli sasamarTlos<br />

ararseboba, politizirebuli biznesi,<br />

mTlian investiciebSi ofSoruli<br />

kapitalis maRali xvedriTi wili. es<br />

aris im mizezebis arasruli CamonaTvali,<br />

rac qveyanaSi pirdapiri ucxouri<br />

investiciebis Semosvlas uSlis xels.<br />

msgavsi kvlevebi, cxadia, kargia, saer-<br />

To suraTis dasanaxad, Tumca is rac<br />

kvlevam aCvena, aqamdec yvelasTvis<br />

cxadze cxadi iyo. magram es rodia<br />

mTavari, axla mTavaria, ramdenime Tvis<br />

Semdeg Catarebulma msgavsma kvlevam<br />

qveynis ekonomikisTvis sasikeTod Secvlili<br />

suraTi aCvenos.<br />

eka eka TandilaSvili<br />

TandilaSvili<br />

TandilaSvili<br />

`yazbegi~ da `efesi~ ludisa da gamagrilebeli sasmelebis mwarmoebel erTobliv kompanias Seqmnian<br />

ludis mwarmoebeli qarTuli kompania `yazbegi~<br />

da Turquli `efesi~ ludisa da gamagrilebeli sasmelebis<br />

mwarmoebel erTobliv kompanias Seqmnian, -<br />

amis Sesaxeb GBC-is kompania `yazbegis~ sazogadoebasTan<br />

urTierTobis samsaxuris ufrosma Tea sxierelma<br />

ganucxada.<br />

rogorc sxiereli ganmartavs, mxareebs Soris molaparakebebi<br />

jer kidev grZeldeba da `efesis~ mier<br />

~yazbegis~ Sesyidvis sakiTxi ar ganixileba. sxiereli<br />

uaryofs gavrcelebul informacias imis Sesaxeb, rom<br />

kompaniis direqtorati Seicvala. rogorc igi ganmartavs,<br />

am etapze kompaniis Zveli menejmenti Cveulebriv<br />

reJimSi ganagrZobs muSaobas. jerjerobiT saubaria<br />

imaze, rom erToblivi sawarmos Seqmnis SemTx-<br />

biznesgaremo<br />

vevaSi Zveli menejmenti darCeba da ganaxorcielebs saqmianobas,<br />

romlis saTaveSi kvlavindeburad gogi TofaZe<br />

iqneba, - ganmartavs sxiereli.<br />

molaparakebebis dasrulebamde mxareeebi erTmaneTs<br />

detalebis SesaTanxmeblad kidev erTxel Sexvdebian.<br />

`yazbegTan~ molaparakebebis dawyebis Sesaxeb oficialuri<br />

informacia Turqulma Efes Breweries International-ma<br />

jer kidev 2008 wlis 28 maiss gaavrcela.<br />

informaciis Tanaxmad, kompania afarToebs Tavis bizness<br />

saqarTveloSi kompania `yazbegTan~ erTad, romelic<br />

saqarTveloSi meore udidesi ludis kompaniaa. `yazbegi~<br />

qarTuli ludis bazarze 39%-s akontrolebs<br />

da bazarze 6 brendiT aris warmod<strong>ge</strong>nili.<br />

kompaniis ZiriTadi brendi - `yazbegi~ yve-<br />

laze maRali cnobadobis produqtia saqarTvelos<br />

ludis bazarze.<br />

Turquli `efesi~ `yazbegis~ SeZeniT `nataxtarisa~<br />

da `lomisis~ sawarmoebis SeZenis<br />

Semdeg dainteresda. Turqulma kompaniam lomisis<br />

100%-iani wili SeiZina. lomisi ludis<br />

bazris 42%-s akontrolebs,<br />

Efes Breweries International erT-erTi umsxvilesi<br />

ludis mwarmoebeli kompaniaa msoflioSi. kompania<br />

moRvaweobs ruseTSi, <strong>ge</strong>rmaniasa da sxva qveyneb-<br />

Si. flobs 10 qarxanas serbeTSi, romelTa warmadoba<br />

2,46 mlrd. litrs Sead<strong>ge</strong>ns.<br />

biujeti 6,927 miliard laramde izrdeba.

---

#159<br />

ivnisi<br />

ivnisi<br />

pekinma aviawarmoebaSi Tavisi sityvis Tqma<br />

gadawyvita. CineTis masobrivi informaciis sa-<br />

Sualebebi ori Cinuri saxelmwifo aviakoncernis<br />

gaerTianebis Sesaxeb iuwyeba, romelic<br />

samgzavro TviTmfrinavebs gamouSvebs. CineTis<br />

<strong>xelisuflebis</strong> es gadawyvetileba xels Seuwyobs<br />

am sferoSi ucxoeli investorebis mozidvas.<br />

aRsaniSnavia, rom aviasfero CineTSi Tavdacvis<br />

uwyebis kontrols eqvemdebareba.<br />

msxvili koncerni aviakompaniebis AVIC Isa<br />

da AVIC II-is gaerTianebis Sedegad unda<br />

Seiqmnas. aviamSenebeli kompania AVIC I 47 Svilobil<br />

da 31 samecniero-kvleviT da saproeqto<br />

dawesebulebas moicavs, romelSic 240<br />

aTasi adamiania dasaqmebuli da romelic axal<br />

Cinur aviagamanadgurebel Jian 10-s uSvebs.<br />

kompaniam regionaluri axali samgzavro<br />

TviTmfrinavi ARJ 21 Seqmna, romelsac mim-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

CineTi<br />

aviawarmoebas<br />

afarToebs<br />

Cinuri avialaineri Airbus-sa da Boeing-s konkurencias gauwevs<br />

msoflio<br />

inflaciis gamo<br />

SeSfoTebulia<br />

msoflio banki msoflio<br />

ekonomikis Senelebul<br />

ganviTarebas prognozirebs<br />

msoflio bankma morigi moxseneba gamoaqveyna,<br />

romlis Tanaxmadac 2008 wels msoflioSi<br />

2,7%-mde Sesustdeba da Seferxdeba<br />

ekonomikis zrda. ZiriTad da mTavar problemad<br />

rCeba energomatareblebsa da sursaTze<br />

mzardi fasebi da finansuri krizisi, romelic<br />

amerikaSi dakreditebis krizisiTaa gamow-<br />

veuli. amasTan, rogorc moxsenebaSia naTqvami,<br />

ekonomikis zrdis tempi gacilebiT sagrZnobi<br />

iqneba ganviTarebul qveynebSi (amerika, iaponia,<br />

evrokavSiris qveynebi), vidre ganviTarebad<br />

qveynebSi. msoflio bankis eqspertebis monacemebiT,<br />

ganviTarebadi qveynebis ekonomikis zrda<br />

7,8%-dan 6,5-mde Semcirdeba, amerikis<br />

ekonomikuri zrda 1,1% iqneba, rac orjer<br />

naklebia gasul welTan SedarebiT, iaponiaSi<br />

ekonomikuri zrda 1,4%-ia navaraudevi, xolo<br />

evrozonis qveynebSi - 1,7%. ekonomikis eqspert-<br />

Ta azriT, amerikis ekonomikaSi pozitiuri<br />

Zvrebi mxolod momavali wlisTvisaa navaraudevi,<br />

xolo Zvel siZlieresa da stabilurobas<br />

amerika mxolod ramdenime wlis Semdeg,<br />

daaxloebiT, 2010 wlisTvis daibrunebs.<br />

eqspertebi evrozonis qveynebis ekonomikis<br />

arastabilurobis gamoc gamoTqvamen SeSfoTebas.<br />

ekonomikis arastabilurobas evropaSi<br />

mzardi inflaciac uwyobs xels, ris gamoc<br />

evropis centraluri banki iZulebulia SeinarCunos<br />

maRali saprocento ganakveTi.<br />

eqspertebi am faqtsac uaryofiTad afaseben<br />

da miiCneven, rom samomavlod aseTma politikam<br />

SesaZlebelia seriozuli uaryofiTi<br />

Sede<strong>ge</strong>bi gamoiwvios.<br />

dinare wlis seqtemberSi gamouSvebs. kompaniis<br />

mesveurebi imedovneben, rom am modelis<br />

TviTmfronavi Cinuri aviabazris 60%-s daikavebs.<br />

SedarebiT mcire moculobisaa meore aviamSenebeli<br />

kompania AVIC II. is ZiriTadad samoqalaqo<br />

da samxedro TviTmfrinavebs uSvebs.<br />

unda aRiniSnos, rom CineTSi es bazari sustadaa<br />

ganviTarebuli imdenad, ramdenadac sahaero<br />

sivrce samoqalaqo TviTmfrinavebisaTvis<br />

daketilia. am ori aviamSenebeli kompaniis<br />

gaerTianebis zusti dro da TariRi jerjerobiT<br />

ucnobia. savaraudod, es ivlisSi moxdeba.<br />

cnobilia axali koncernis saxeli da is<br />

ase JRers: China Aviation Industry Corp. koncernis<br />

mizani iseTi axali laineris gamoSvebaa,<br />

romelic konkurencias aviasferos<br />

liderebs Airbus-sa da Boeing-s gauwevs. qvey-<br />

msxvili evropuli navTobkompaniis Royal<br />

Dutch Shell Pic-is benzingadamzidavi mZRolebi<br />

xelfasis momatebis moTxovniT gaificnen.<br />

isini xelfasis momatebas 13,2%-iT iTxoven.<br />

msoflio ekonomika<br />

nis xelmZRvaneloba miznad isaxavs, rom 2020<br />

wlisTvis CineTis mier gamoSvebuli axali avialaineriT<br />

150 mgzavri ifrens. axali laineris<br />

gamosaSvebad pekini 60 mlrd. iuenis (6<br />

mlrd. evros) investirebas <strong>ge</strong>gmavs.<br />

axal wamowyebasTan dakavSirebiT, eqspertebi<br />

miiCneven, rom CineTi axali lainerebis gayidvas<br />

realurad mxolod 20 wlis Semdeg SeZlebs, radganac<br />

am qveyanas seriozuli gamocdileba TviTmfrinavebis<br />

mSeneblobaSi ar gaaCnia.<br />

amerikuli koncernis Boeing-is warmomad<strong>ge</strong>nlebis<br />

SefasebiT, uaxlesi 20 wlis ganmavlobaSi<br />

CineTis moTxovna samgzavro TviTmfrinavebze<br />

2100-2400 erTeuli iqneba. am<br />

raodenobis TviTmfrinavebis parkis Rirebuleba<br />

200 mlrd. dolaria, kompania Airbus-is prognoziT<br />

ki, CineTis moTxovna TviTmfrinavebze<br />

3 aTass miaRwevs.<br />

britaneTis benzingasamarTi sadgurebis<br />

10%-ma gaficvis gamo muSaoba<br />

ver moaxerxa. satransporto kompania<br />

Hoyer Gmbh Internationale da<br />

Suckling Transport Ltd, romelTanac<br />

Shell-s kontraqti aqvs dadebuli,<br />

Seqmnili mdgomareobis gamo profkavSirebTan<br />

molaparakebebs awarmoeben.<br />

mZRolebi dReisaTvis 48 saa-<br />

Tian kviraSi imave Tanxas iReben,<br />

rasac 1992 wels 37 saaTianSi. es<br />

weliwadSi 31,6 aTasi funti sterlingia<br />

(61,4 aTasi dolari). mZRolebi<br />

profkavSiruli gaerTianeba<br />

Unite-is meSveobiT awarmoeben molaparakebebs.<br />

masSi 641 adamiania<br />

gaerTianebuli. mZRolebi xelfasis<br />

gazrdas 46 aTas funtamde (89,4 aTasi dolari)<br />

iTxoven. isini amboben, rom navTobze fasis<br />

zrda Sesabamisad zrdis energokompaniis<br />

Semosavlebs, Tumca es zrda satransporto<br />

amerikul amerikul bankebs bankebs 65<br />

65<br />

mlrd. mlrd. dolaris<br />

dolaris<br />

rekapitalizacia<br />

rekapitalizacia<br />

esaWiroeba<br />

esaWiroeba<br />

9<br />

amerikul bankebs 65 mlrd. dolaris mozidva<br />

dasWirdebaT, raTa sakredito danakar<strong>ge</strong>bis<br />

gamo dasustebuli TavianTi balansebi aRadginon,<br />

- miiCnevs Goldman Sachs-i (GS). aRsaniSnavia,<br />

rom amerikulma bankebma sakredito krizisis<br />

dros dakarguli finansebis gamo 120 mlrd.<br />

dolari ukve moizides. rogorc GS prognozirebs,<br />

mimdinare wlis mesame kvartlidan<br />

amerikis safinanso seqtoris danakar<strong>ge</strong>bi<br />

gaizrdeba, dakreditebis bazris mdgomareoba<br />

ki binebze fasis vardnis gamo gauaresdeba. rac<br />

Seexeba bankebis sakredito problemebs, GS-is<br />

analitikosebs miaCniaT, rom is piks 2009 wlis<br />

pirvel kvartalSi miaRwevs. bankebis mier TavianTi<br />

aqciebis gayidvis gziT balansebis gajansaReba,<br />

GS-is analitikosebis azriT, sul<br />

ufro da ufro rTuli xdeba, radganac investorebi<br />

da aqcionerebi TavianTi kapitalis<br />

gazrdis am gzas, Seqmnili realobidan gamomdinare,<br />

saeWvod miiCneven. im 42 gari<strong>ge</strong>baTagan,<br />

romelsac GS-i Tvals adevnebda, mxolod 4<br />

damTavrda investorTaTvis warmatebulad. maT<br />

mier Sesyiduli aqciebis fasi sabazro<br />

ekonomikis fasze dabalia.<br />

GS-is eqspertTa mosazrebebs nawilobriv<br />

iziarebs Charles Stanley & Co-is mTavari ekonomisti<br />

edvard minkSi, Tumca miaCnia, rom krizisis<br />

yvelaze rTuli etapi gasrulebulia.<br />

Shell-Si didi problemebia<br />

safinanso krizisis<br />

miuxedavad topmenejerebs<br />

bonusebi ezrdebaT<br />

msoflio safinanso krizisis<br />

miuxedavad kompaniebisa da<br />

bankebis top-menejerebi, 2007<br />

wlis arc Tu saxarbielo Sede<strong>ge</strong>bis<br />

miuxedavad, uxvad iqnen dasaCuqrebulni.<br />

bonusebis moculobis mixedviT<br />

liderobs kompania Merrill Lynch-is warmomad<strong>ge</strong>neli<br />

jon teini, romelmac xelfasis garda, jildod 83,1 mln.<br />

dolari miiRo. da es maSin, roca kompaniisTvis 2007 weli, rbilad<br />

rom vTqvaT, warumatebeli iyo. TviTon jon teini Merrill Lynch-is<br />

gasuli wlis Sede<strong>ge</strong>bs axasiaTebs, rogorc `absoluturad miuRebels~<br />

da es logikuricaa, radgan kompaniam 2007 weli 22 mlrd. dolariani<br />

danakargiT daasrula, Tumca, rogorc aRmoCnda, am faqtma<br />

jon teinis dasaCuqrebas xeli mainc ver SeuaSala.<br />

SedarebiT naklebi raodenobis jildo miiRo Goldman Sacgs<br />

Group Inc-is warmomad<strong>ge</strong>nelma loid blenkfeinma, romlis sabonuso<br />

Tanxam 53,9 mln. dolari Seadgina; kompania Mopgan Stanley-is<br />

warmomad<strong>ge</strong>nlis jon mekis bonusi ki 41,7 milioni dolari<br />

aRmoCnda.<br />

statistikas Tu moviSveliebT, 2001 wels amerikaSi kompaniaTa<br />

da zogadad, safinanso seqtoris top-menejerTaTvis gacemulma<br />

Tanxam bonusis saxiT 10,5 mln. dolari Seadgina, 2007 wels ki<br />

53,8 mln. dolari.<br />

britaneli britaneli benzingadamzidavi benzingadamzidavi mZRolebi mZRolebi gaificnen<br />

gaificnen<br />

kompania Hoyer-isa da Suckling-is personalis<br />

Semosavalze ar aisaxeba. am kompaniebTan Shellis<br />

kontraqti aqvs gaformebuli. mimdinare<br />

molaparakebebSi Shell-i monawileobas ar Rebulobs,<br />

radganac mZRolebis xelfasebi subkontraqtorebis<br />

prerogativaa.<br />

Hoyer-isa da Suckling-is warmomad<strong>ge</strong>nlebis<br />

gancxadebiT, kompania Shell-Tan dadebuli xelSekrulebis<br />

pirobebi ar iZleva finansuri<br />

manevris saSualebas, amitom maT profkavSirebs<br />

xelfasis momatebaze uari ganucxades. mxareebi<br />

molaparakebebs kvlavac agrZeleben,<br />

Tumca uSedegod.<br />

Seqmnili mdgomareobis gamo didi britaneTis<br />

premier-ministrma gordon braunma<br />

mosaxleobas da gansakuTrebiT avtomoyvarulebs<br />

mimarTa, romelmac ganacxada, rom<br />

isini ar unda Cavardnen panikaSi da Tavi<br />

aaridon sawvavis mara<strong>ge</strong>bis yidvas. amiT<br />

Tavidan iqneba acilebuli xelovnuri aJiotaJi.<br />

CineTi da iaponia gazis<br />

sabados gamo dazavdnen<br />

iaponiasa da CineTs<br />

Soris sadao gazis sabados<br />

Sesaxeb SeTanxmeba<br />

miRweulia. saqme exeba<br />

CunsiaRes gazis sabados,<br />

romelic zRvis fskerze<br />

ori qveynis - iaponiisa da<br />

CineTis sazRvarze mdebareobs.<br />

SeTanxmebis<br />

Tanaxmad, pekinma iaponias<br />

gazis sabadoze samuSaoebis<br />

warmoebisa da investirebis<br />

ufleba misca.<br />

aRniSnuli sabado<br />

CineTis sazRvarTan ufro axlosaa, vidre iaponiis. am sabados gamo xangr-<br />

Zlivi dava iaponiasa da CineTs Soris gasuli saukunis 70-iani wlebidan<br />

mimdinareobda. SeTanxmebas iaponiisa da CineTis pirvelma pirebma maisSi<br />

gamarTul samitze miaRwies. saerTaSoriso normebis mixedviT, is qveyana,<br />

romlis teritoriazecaa ganTavsebuli sabados ZiriTadi da mTavari nawili,<br />

sabadosgan miRebuli Semosavlis ZiriTadi nawilis mflobelia. am<br />

SemTxvevaSi Semosavlebi imis mixedviT ganawildeba, Tu romeli qveyana ra<br />

raodenobis investicias ganaxorcielebs. sabadoze dazverviT samuSaoebs<br />

kerZo kompaniebi Caatareben. mosalodnelia, rom es SeTanxmeba or aziur<br />

qveyanas Soris sagrZnoblad daaTbobs urTierTobebs, riskenac es ori<br />

qveyana bolo dros namdvilad miiswravis. es mWidro ekonomikur urTier-<br />

TobebTan erTad politikur urTierTobebSic gamoixateba.<br />

gverdi gverdi moamzada<br />

moamzada<br />

moamzada<br />

cico cico cico kaikaciSvilma<br />

kaikaciSvilma<br />

kaikaciSvilma

---

#159<br />

ivnisi<br />

ivnisi<br />

msoflios SimSili emuqreba. es<br />

gancxadeba gaeros sursaTisa da soflis<br />

meurneobis organizaciis konferenciaze<br />

gakeTda. romSi gamarTuli<br />

faos (sursaTis saerTaSoriso<br />

organizacia) samitis wamyvani Tema<br />

msoflio sasursaTo krizisi da misi<br />

daZleva iyo. samitze<br />

gaeros <strong>ge</strong>neralurma<br />

mdivanma, pan gi munma<br />

2030 wlamde sursaTis<br />

warmoebis 50%iT<br />

gazrdis aucileblobas<br />

gausva xazi.<br />

samitze msoflios is<br />

22 qveyana dasaxelda,<br />

romelic sasursaTo uzrunvelyofis<br />

TvalsazrisiT mZime mdgomareobaSia.<br />

pan gi munis gancxadebiT, sasursaTo<br />

krizisi gansakuTrebiT im<br />

ganviTarebad qveynebs emuqreba, sa-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

saqarTvelos SimSili elis?<br />

dac soflis meurneoba saTanadod ar<br />

aris ganviTarebuli da qveyana did<br />

wilad importzea damokidebuli.<br />

saqarTvelos mwvaneTa partiaSi SeSfoTebas<br />

ver malaven. partiis lideri<br />

giorgi gaCeCilaZe miiCnevs, rom<br />

saqarTvelo sasursaTo krizisis<br />

winaSe ukve dgas, `saqarTveloSi ukve<br />

mZime mdgomareobaa. mxolod oficialur<br />

monacemebs moviyvan, gaeros<br />

monacemebiT, adamianisTvis dReSi sasicocxlod<br />

aucilebeli minimumia<br />

2100 kilokaloria. CvenTan, qalaqebSi<br />

saSualod 1970 kilokalorias iReben,<br />

rac gacilebiT dabalia, vidre Sim-<br />

Silis zRvari. aRniSnuli monacemi<br />

fasebis zrdasTan erTad kidev ufro<br />

Semcirdeba, rac TavisTavad gazrdis<br />

avadmyofobebsa da sxva negatiur<br />

momentebs~.<br />

saerTaSoriso wreebis SeSfoTebas,<br />

msoflioSi arsebul sasursaTo<br />

krizisTan mimarTebaSi, sruliad<br />

logikurad miiCneven eqspertebi.<br />

bolo dros msoflio navTobisa da<br />

sasursaTo bazrebze fasebi swrafi<br />

tempiT izrdeba. eqspertebi arc indoeTisa<br />

da CineTis ekonomikis<br />

swrafad ganviTarebisa da am qveyneb-<br />

Si bolo dros sursaTze gazrdili<br />

moTxovnis faqtorebs iviwyeben.<br />

eqsperti irakli qasroSvili globalur<br />

daTbobasa da msoflio sasursaTo<br />

bazrebze kvebis produqtebis<br />

Semcirebul mara<strong>ge</strong>bze saubrobs,<br />

`bolo wlebis ganmavlobaSi msoflioSi<br />

warmoebuli sursaTis raodenoba<br />

seriozulad Semcirda, amas Tan<br />

erTveba masze moTxovnis zrda. problemas<br />

aqvs ramdenime mizezi. globaluri<br />

daTbobis gamo yovelwliurad<br />

mcirdeba sasoflo-sameurneo<br />

miwebis teritoria, sadac SeiZleba<br />

marcvleulis an bostneulis moyvana.<br />

problemis gamomwvevi kidev erTi<br />

mizezi sawvavze fasebis zrdaa, ris<br />

Semdegac warmoeba ufro Zviri jdeba~.<br />

aqvs Tu ara SeSfoTebis safuZveli<br />

saqarTvelos. sofliis meurneo-<br />

``saqarTvelos ``saqarTvelos am am am kuTxiT kuTxiT kuTxiT uaxloesi uaxloesi uaxloesi aTi aTi aTi wlis<br />

wlis<br />

ganmavlobaSi ganmavlobaSi krizisi krizisi ar ar emuqreba. emuqreba. amas amas faqtebic<br />

faqtebic<br />

adasturebs, adasturebs, saqarTveloSi saqarTveloSi 2006 2006 welTan welTan SedarebiT, SedarebiT,<br />

SedarebiT,<br />

2007 2007 wels wels wels gacilebiT gacilebiT meti meti meti sasoflo-sameurneo<br />

sasoflo-sameurneo<br />

savargulebi savargulebi savargulebi damuSavda`` damuSavda`` - - - nodar nodar kereseliZe<br />

kereseliZe<br />

bis saministroSi acxadeben, rom Cvens<br />

qveyanas uaxloesi aTi wlis ganmavlobaSi<br />

sasursaTo krizisi ar emuqreba.<br />

argumentad saministroSi damaimedebeli<br />

statistika mohyavT. `sur-<br />

saTiT uzrunvelyofasTan dakavSirebiT,<br />

miuxedavad faos aseTi pesimisturi<br />

gancxadebisa, minda vTqva, rom<br />

saqarTvelos am kuTxiT uaxloesi aTi<br />

wlis ganmavlobaSi krizisi ar emuqreba.<br />

amas faqtebic adasturebs,<br />

saqarTveloSi 2006 welTan SedarebiT,<br />

2007 wels gacilebiT meti sasoflo-sameurneo<br />

savargulebi damuSavda~,-acxadebs<br />

saqarTvelos soflis<br />

meurneobis ministris mrCeveli<br />

nodar kereseliZe.<br />

soflis meurneobis ganviTarebis<br />

radikalurad gansxavavebuli statistika<br />

mohyavs giorgi gaCeCilaZes. mis<br />

mier mopovebuli statistika aseTia:<br />

2003 welTan SedarebiT marcvleu-<br />

``sasursaTo ``sasursaTo usafrTxoeba usafrTxoeba aranakleb<br />

aranakleb<br />

mniSvnelovania, mniSvnelovania, vidre vidre samxedro samxedro an an ener<strong>ge</strong>tikuli<br />

ener<strong>ge</strong>tikuli<br />

usafrTxoeba, usafrTxoeba, amitom amitom qveyanaSi qveyanaSi unda unda SemuSavdes<br />

SemuSavdes<br />

sasursaTo sasursaTo usafrTxoebis usafrTxoebis programa`` programa`` - - irakli<br />

irakli<br />

qasroSvili<br />

qasroSvili<br />

lis farTobebi ornaxevarjer, pirutyvis<br />

raodenoba 25 procentiT,<br />

Rorebis samnaxevarjer Semcirda. rac<br />

Seexeba kvebis produqtebis imports,<br />

2003 welTan SedarebiT 7-jer<br />

gaizarda. giorgi gaCeCilaZe aRniSnavs,<br />

rom saerTaSoriso wreebis SeSfoTebis<br />

Semdeg, yvela im qveyanam,<br />

romlebic saursaTis ZiriTadi<br />

eqsportiorebi arian, Seamcires<br />

eqsportis wili. ruseTma xorblis<br />

qveynidan gatana ukve karga xania<br />

akrZala. mwvaneTa partiaSi amboben,<br />

rom ganviTarebuli qveynebis am gadawyvetilebam<br />

soflis meurneobis ganviTarebisken<br />

unda gvibiZgos. `problema<br />

imdenad seriozulia, rom msoflo<br />

mosaxleobis sursaTiT uzrunvelyofis<br />

sakiTxi ukve dadga. amis<br />

pasuxad, zogierTma evropulma qveyanam<br />

saerTod SewyviTa sursaTis<br />

eqsporti. es tendencia gagrZeldeba.<br />

situacia kidev ufro gamwvavdeba.<br />

Cven am situaciaSi mainc unda<br />

mivxedoT sakuTar soflis meurneobasa<br />

da agrarul seqtors, rom<br />

"srii "srii ji ji grupi" grupi" rusTavTan rusTavTan cementis cementis mwarmoebel mwarmoebel qarxanas qarxanas aaSenebs aaSenebs<br />

aaSenebs<br />

qalaq rusTavTan cementis mwarmoebeli qarxana<br />

aSendeba. qarxanas qarTuli kompania `srii ji grupi~<br />

aaSenebs. mini-qarxana cementTan erTad, blokis<br />

warmoebasac <strong>ge</strong>gmavs.<br />

kompaniis damfuZneblis giorgi nebieriZis gancxadebiT,<br />

mini-qarxana 6 aTas kvadratul metrze gan-<br />

Tavsdeba da erT saaTSi 1,5 tona cements awarmoebs.<br />

kompaniam qarxnis mSeneblobaze licenziis misaRebad<br />

ganacxadi garemos dacvis saministroSi waradgina.<br />

nebieriZis TqmiT, am dromde gansazRvruli<br />

araa mSeneblobaSi gansaxorcielebeli investiciebis<br />

moculoba da aseve mSeneblobis vadebi.<br />

kompania warmoebul produqcias adgilobriv bazarze gayidis.<br />

globalizacia<br />

sakuTari resursebiT minimalurad<br />

mainc davakmayofiloT Cveni mosaxleoba~,<br />

acxadebs giorgi gaCeCilaZe.<br />

soso ciskariSvili miiCnevs, rom<br />

odiTganve sofliT Zlieri Cveni qveynis<br />

soflis meurneobas saTanado<br />

yuradReba ar eqceva. rogorc eqsperti<br />

miiCnevs, `Cvens<br />

qveyanaSi, iseve<br />

rogorc sxva<br />

dar<strong>ge</strong>bs, didi xelSewyobasWirdeba<br />

mecxoveleobas,<br />

seriozuli yuradReba<br />

ar eqceva<br />

xorblis warmoebas,<br />

rac adre Tu gvian mZimed Semogvitrialdeba.<br />

iyo saubari, rom<br />

qarTuli xorbali, fasis TavlsazrisiT,<br />

arakonkurentunariania,<br />

Tumca, rodesac xorblis fasi saer-<br />

TaSoriso bazrebze ramdenjerme<br />

gaizarda, axal situaciaSi adgilze<br />

warmoebuli xorbali, SeiZleba ufro<br />

iafic ki dajdes~.<br />

gaero sursaTze gazrdili moTxovnilebis<br />

dasakmayofileblad msoflio<br />

sursaTis mwarmoebel lider industriebs<br />

2030 wlisTvis produqciis<br />

erTnaxevriT gazrdasa da gadasaxadebis<br />

Semcirebas sTavazobs.<br />

garda amisa pan gi muni soflis meurneobis<br />

subsidirebisTvis yovelwliurad<br />

15-20 miliardi dolaris<br />

gamoyofas moiTxovs. soso ciskariSvili<br />

aRniSnavs, rom soflis meurneobas<br />

ara Tu subsidireba, aramed<br />

investireba sWirdeba. misi TqmiT, Cvens<br />

qveyanas, romelsac yovelTvis hqonda<br />

soflis meurneobis kultivirebis<br />

ara mxolod Sida moxmarebisTvis,<br />

aramed saeqsportodac xelsayrelad<br />

warmoCenis unari, SimSili ar unda<br />

daemuqros. soflis meurneobas xelSewyoba<br />

im doziT sWirdeba, rom<br />

igi qveynis biujets tvirTad ar<br />

daawves. magram isic mxedvelobaSia<br />

misaRebi, rom evrokavSiris qveynebi<br />

biujetis 30-dan 40 procentamde<br />

agraruli seqtoris dotaciaze xarjaven.<br />

`ekonomikuri procesebis<br />

realurad gaTvlis pirobebSi, iseve,<br />

rogorc turizmsa da qveynisTvis sxva<br />

prioritetul sferoebs, soflis<br />

meurneobas sWirdeba investicia. qveyanisTvis,<br />

romelsac, Tundac umniSvnelod<br />

emuqreba SimSiloba, mTavari<br />

prioriteti aucileblad unda iyos<br />

soflis meurneoba,~ - miiCnevs soso<br />

ciskariSvili.<br />

moklevadian perspeqtivaSi sasursaTo<br />

krizisis saSiSroebas ver xedavs<br />

eqsperti irakli qasraSvili.<br />

10<br />

SOS!<br />

msoflio mosalodneli<br />

SimSiliT SeSfoTebulia<br />

Tumca, grZelvadian perspeqtivaze<br />

saubari ki uWirs, `Cvens soflis<br />

meurneobaSi garkveulwilad is<br />

produqcia iwarmoeba, romliTac ara<br />

marto adgilobrivi bazris daakmayofileba,<br />

aramed misi eqsportirebac<br />

SeiZleba. amisaTvis ganviTarebis<br />

Tuki Tuki Cvenma Cvenma ZiriTadma ZiriTadma importiorma importiorma importiorma qveynebma qveynebma<br />

qveynebma<br />

msoflioSi msoflioSi mosalodneli mosalodneli SimSilis SimSilis gamo, gamo, eqsportis eqsportis<br />

eqsportis<br />

wili wili Seamcires Seamcires da da Cveni Cveni soflis soflis meurneobac meurneobac meurneobac droze<br />

droze<br />

ar ar ganviTarda, ganviTarda, ganviTarda, maSin maSin SimSilis SimSilis safrTxe safrTxe ueWvelad<br />

ueWvelad<br />

dagvid<strong>ge</strong>ba<br />

dagvid<strong>ge</strong>ba<br />

grZelvadiani <strong>ge</strong>gmis dasaxva aucilebelia.<br />

sasursaTo usafrTxoeba<br />

aranakleb mniSvnelovania, vidre<br />

samxedro an ener<strong>ge</strong>tikuli usafrTxoeba,<br />

amitom qveyanaSi unda SemuSavdes<br />

sasursaTo usafrTxoebis programa~.<br />

soflis meurneobis saministro-<br />

Si qarTuli soflis gadarCenis programebze<br />

saubroben. magaliTad, 100<br />

sawarmo soflad, `iafi sesxi~ da sxva<br />

programebi, romelic aRar konkretdeba.<br />

es is programebia, romelic Cveni<br />

soflis meurneobas ise ganaviTarebs,<br />

rom igi sursaTiT ara mxolod Sida,<br />

aramed gare bazrebsac uzrunvelyofs.<br />

Cveni xelisufleba qarTuli<br />

xilis eqsports <strong>ge</strong>gmavs.<br />

sos! saerTaSoriso wreebi msoflioSi<br />

mosalodneli SimSiliT SeSfoTebulebi<br />

arian. ra elis saqarTvelos,<br />

importiT gajerebul qarTul<br />

sasursaTo bazars?! dRes saqarTvelo-<br />

Si sasursaTo krizisi, SesaZloa, arc<br />

arsebobs, magram Tuki Cvenma ZiriTadma<br />

importiorma qveynebma msoflioSi<br />

mosalodneli SimSilis gamo, eqsportis<br />

wili Seamcires da Cveni soflis<br />

meurneobac droze ar ganviTarda, ma-<br />

Sin SimSilis safrTxe ueWvelad<br />

dagvid<strong>ge</strong>ba. miT ufro, imis gaTvaliswinebiT,<br />

rom sul ufro izrdeba<br />

importirebuli xilis, bostneulisa<br />

da baRCeulis wili moxmarebuli<br />

produqciis saerTo raodenobaSi.<br />

eka eka TandilaSvili<br />

TandilaSvili<br />

ukrainulma ukrainulma ukrainulma `ukrCai `ukrCai `ukrCai po pormma~ po rmma~ qarTul qarTul kompaniasTan kompaniasTan kontraqti kontraqti gaafo gaaforma<br />

gaafo rma<br />

da da da dasavleT dasavleT saqarTveloSi saqarTveloSi Cais Cais Cais fabrikis fabrikis fabrikis aSenebasac aSenebasac <strong>ge</strong>gmavs<br />

<strong>ge</strong>gmavs<br />

`ori nana~ aqamde umaRlesi xarisxis Cais `mwvane oqros~ awarmoebda da mas adgilobrivi<br />

bazris garda, yazaxeTSic yidda, Tumca ukrainuli dakveTis Sesasruleblad dabali xarisxis<br />

produqciis warmoebaze mouwevs gadarTva. erT kilogram aseT Cais `ukrCaiproms~ is erT larad<br />

da 20 TeTrad miyidis, Tavad ki nedleuls fermerebisgan 20 TeTrad SeiZens. `ori nana~ `ukr-<br />

CaipromTan~ `saqarTvelos Taigulma~ daakavSira, romelic ramdenime welia, ukrainelebTan<br />

TanamSromlobs. TanamSromlobis Sedegad `saqarTvelos Taigulma~, `ukrCaipormTan~ wlis dasawyis-<br />

Si erToblivi sawarmo Seqmna, romelsac mitovebuli Cais plantaciebis SeZena da ganaxleba<br />

surda, Tumca spekulatiuri fasebis gamo aqamde ver moaxerxa. ukrainel investors gamosavali<br />

soflis meurneobis saministrom SesTavaza, romelmac saxelmwifos sakuTrebaSi arsebuli 285<br />

heqtari Cais plantaciebi gasayidad auqcionze ozur<strong>ge</strong>Tsa da qobuleTSi gamoitana, sawyis<br />

fasad - erTi heqtari 400 lari. ukrainul-qarTuli kompania ozur<strong>ge</strong>TSi 7 aTasi kvadratuli<br />

metri farTobis miwis SeZenasac <strong>ge</strong>gmavs, sadac Cais fabrikas aaSenebs. ukrainuli mxare proeqtSi<br />

4 milioni dolaris investirebas da 1500 adgilobrivis dasaqmebas <strong>ge</strong>gmavs.

---

#159<br />

ivnisi<br />

ivnisi<br />

anabari fuladi saxsrebis dagrovebisa<br />

da dabandebis kargi saSualebaa.<br />

magram Cndeba kiTxva romel<br />

valutaSi ufro mo<strong>ge</strong>biani iqneba Cvens<br />

xelT arsebuli fuladi resursebis<br />

ganTavseba? ipoTekurma krizisma<br />

amerikis ekonomikaSi sakmaod mZime Sede<strong>ge</strong>bi<br />

gamoiwvia, ekonomikis zrdis tem-<br />

pi sagrZnoblad Senelda, sagrZnoblad<br />

daeca dolaris kursic, amasTanave<br />

recesia gaWianurda da lari dolar-<br />

Tan mimarTebaSi gamyarda. amerikis<br />

ekonomikis mdgomareobidan gamosvla<br />

gaWirda. `amerikis ekonomikis recesiis<br />

Semcirebis procesi ukve aqtiurad<br />

mimdinareobs, Tumca yvela berketi jer<br />

ar aris amoqmedebuli. amasTan, am moculobis<br />

recesiis minimizacia moklevadian<br />

periodSi praqtikulad SeuZlebelia<br />

da mas, sul mcire, erTi weli-<br />

wadi sWirdeba. aSS-s prezidentis<br />

arCevnebis Semdgom stabilizaciis<br />

procesi ufro sagrZnobi iqneba. anu<br />

situaciis realur da sagrZnob gamosworebas<br />

momdevno wlidan unda<br />

velodeT. rac Seexeba aziur qveynebs,<br />

maT am procesebiT marTlac isar<strong>ge</strong>bles<br />

da sakmaod moculobiTi aqtivebi<br />

SeiZines ara marto<br />

amerikaSi, aramed Zalian<br />

bevr qveyanaSi, maT Soris<br />

saqarTveloSic. Cvens qveyanaSi<br />

aziuri kapitalis<br />

mozRvaveba swored dolaris<br />

kursis vardnis process<br />

ukavSirdeba, ris gamoc<br />

`dabneuli azieli milionerebi~<br />

cdiloben gaufasurebuli<br />

dolari droulad<br />

moiSoron da daabandon<br />

iseT qveynebSi, romelbic<br />

SedarebiT xelsayrelia<br />

biznesis warmoebisaTvis,~<br />

acxadebs ekonomikis eqsperti<br />

daviT narmania.<br />

saqarTveloSi anabrebis<br />

dolarizaciis maCvenebeli wlebis<br />

manZilze Zalian maRal niSnuls<br />

aRwevda. dolaris aseTma vardnam ki<br />

Seamcira depozitebi dolarebSi da<br />

mas Caenacvla evro da gayarebuli<br />

lari, Tumca dResdReobiT dolarizaciis<br />

maCvenebeli kvlav maRalia,<br />

rac ganpirobebulia dolarisadmi<br />

wlebis ganmavlobaSi maRali ndobi-<br />

Ta da sazRvargareTidan dolarebiT<br />

miRebuli fuladi gzavnilebiT.<br />

rac Seexeba evros, evros kursi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

romel valutaSi ganvaTavsoT anabari?<br />

distanciuri distanciuri momsaxurebis<br />

momsaxurebis<br />

saxeebi saxeebi qarTul qarTul bankebSi<br />

bankebSi<br />

Cvens swrafadcvalebad garemosa<br />

da teqnologiebis xanaSi sul ufro<br />

aqtualuri xdeba distanciuri momsaxureba.<br />

saqarTvelos sabanko sistema<br />

am mxriv momxmarebels farTo arCevans<br />

sTavazobs. am tipis momsaxureba<br />

swrafi, mosaxerxebeli da drois<br />

dazogvis saukeTeso saSualebaa.<br />

internet bankingi komfortuli<br />

da usafrTxo internet teqnologiebze<br />

a<strong>ge</strong>buli programaa, romlic bankis<br />

klients saSualebas aZlevs msoflios<br />

nebismieri qveynidan nebismier dros<br />

daaTvalieros sakuTari sabanko angariSebi,<br />

gadaricxos rogorc erovnuli,<br />

ise ucxouri valuta nebismieri<br />

mimarTulebiT, gadaixados komunaluri<br />

gadasaxadebi, dafaros sesxi<br />

da ganaxorcielos sxvadasxva saxis sabanko<br />

operacia sakuTari angariSebidan<br />

amonawerebis naxva da amobeWvda,<br />

depozitebis Sesaxeb informaciis<br />

miReba, xolo iuridiul pirebs Seu-<br />

ZliaT sakuTar TanamSromlebs xelfasi<br />

am gziT Cauricxon. internet<br />

banki saSualebas iZleva klientma<br />

sabanko angariSebi marTos 24 saaTis<br />

ganmavlobaSi kviris nebismier dRes.<br />

am programiT sar<strong>ge</strong>blobisaTvis<br />

saWiroa mxolod internetSi CarTuli<br />

kompiuteri da mniSvneloba ara<br />

aqvs, momxmarebeli romel qveyanaSi<br />

imyofeba. ama Tu im bankis internet<br />

bankis momsaxurebiT sar<strong>ge</strong>blobisaTvis<br />

aucilebelia bankSi minimum erTi angariSis<br />

qona.<br />

bevr bankSi am servisiT sar<strong>ge</strong>bloba<br />

ufasoa rogorc iuridiuli, aseve<br />

fizikuri pirebisTvis, xolo zogierT<br />

bankSi fizikuri pirebisTvis registracia<br />

minimaluri xarjTanaa dakav-<br />

Sirebuli da standartuli paketis<br />

SemTxvevaSi 10 lari Rirs, xolo sruli<br />

paketi(moicavs ufro didi raodenobis<br />

operaciebis ganxorcielebis<br />

SesaZleblobas) 10-dan 30 laramdea,<br />

momsaxurebis Rirebuleba kvartalurad<br />

5 lari Rirs rogorc sruli,<br />

ise standartuli paketis SemTxveva-<br />

Si. iuridiuli pirebisTvis registracia<br />

20 lari Rirs, momsaxurebis Rirebuleba<br />

kvartalurad 10 laria.<br />

mobil banki banksa da<br />

klients Soris mobilur telefonze<br />

dafuZnebuli urTierTobis formaa.<br />

mobil banki saSualebas iZleva<br />

banki<br />

larTan mimarTebaSi myaria da bunebrivia,<br />

evroSi anabris gaxsna mimzidvelia.<br />

Tumca evrozonaSi inflacia<br />

mZvinvarebs, amasTanave evropuli<br />

saqoneli Zalian Zviria evros<br />

kursis gamo, is ukve wam<strong>ge</strong>biani<br />

savaWro partnioria importis TvalsazrisiT<br />

da yvela cdilobs is sxva<br />

bazriT Caanacvlos, aman ki savsebiT<br />

SesaZlebelia evropis ekonomikis<br />

Seneleba gamoiwvios da Sesabamisad,<br />

evros kursis vardna dolarTan mimarTebaSi.<br />

daviT narmania `miuxedavad<br />

inflaciis maRali maCveneblisa,<br />

evro-larTan mimarTebis mniSvnelovani<br />

cvlilebebi uaxloes momavalSi<br />

ar aris mosalodneli, amitomac<br />

vfiqrob, rom saqarTvelo-<br />

Si evroebSi gaxsnili anabrebis moculoba<br />

momavalSi kidev ufro<br />

gaizrdeba.~ danazogis gakeTebisas<br />

msoflio ekonomikaSi mimdinare movlenebis<br />

garda, umTavresia inflaciis<br />

maCveneblis gaTvaliswineba.<br />

saqarTvelos statistikis departamentis<br />

monacemebiT dResdReobiT<br />

inflacia mxolod 12.8%ia, Tumca<br />

eqspertebi gacilebiT maRal<br />

maCveneblebze saubroben. maRal inflaciaze<br />

bankebis mier kreditebis<br />

saprocento ganakveTebis uprecedento<br />

37%mde zrdac miuTiTebs. amis<br />

sapirispirod depozitebze wliuri<br />

ganakveTebi mxolod 1315 %is farglebSi<br />

meryeobs. daviT narmania<br />

`mimdinare etapze danazo<strong>ge</strong>bis gakeTeba<br />

mainc evroSia mizanSewonili,<br />

Tumca bankebis mier gadaxdili<br />

klientma informacia miiRos mis angariSebze<br />

arsebuli mdgomareobis,<br />

sesxis dafarvis TariRis da oficialuri<br />

kursebis Sesaxeb, aseve ganaxorcielos<br />

sxvadasxva saxis tranzaqciebi,<br />

gadaixados komunaluri da sakomunikacio<br />

gadasaxadebi., moaxdinos<br />

dakarguli plastikuri baraTis<br />

blokireba, sxvisi telefonis balansis<br />

Sevseba da a.S. mobil bankiT mom-<br />

procenti gacilebiT naklebia realuri<br />

inflaciis maCvenebelze, amitomac<br />

Senaxuli fuli anabris va-<br />

saxurebas momxmarebels bevri banki<br />

sTavazobs, registracia ufasoa,<br />

servisiT sar<strong>ge</strong>bloba erTi Tvis man-<br />

Zilze 0.5 lari Rirs, an ufasoa da<br />

mxolod garkveuli operaciebi, magaliTad<br />

komunaluri gadaricxvebi<br />

Rirs 0.5 lari. am servisiT sar<strong>ge</strong>blobisaTvis<br />

aucilebelia mobilur<br />

11<br />

dis gasvlis Semdeg gacilebiT naklebmsyidvelobiTunariani<br />

iqneba,<br />

vidre Tanxis Senaxvis momentSi.~<br />

internet bankingi;<br />

mobil banki;<br />

telefon banki;<br />

banki-klienti<br />

telefonSi gaaqtiurebuli RS funqcia.<br />

amitom gasaTvaliswinebelia mobiluri<br />

operatoris mier internetiT<br />

sar<strong>ge</strong>blobisaTvis dawesebuli tarifebic.<br />

am servisisT sar<strong>ge</strong>blobis dros<br />

momxmarebeli mobiluri telefonidan<br />

bankis Sesabamis saitze Sedis da sasulvel<br />

operacias axorcielebs. xolo<br />

zogierT bankSi amisTvis saWiroa<br />

Setyobinebis saxiT gagzavnos Sesabamisi<br />

teqsti `magTikomisa~ da `jeoselis~<br />

specialur nomrebze. am programiT<br />

aseve SesaZlebelia momxmarebelma<br />

SeiZinos `magTikomisa~ da `jeoselis~<br />

salaparako dro specialur<br />

nomrebze Sesabamisi teqstis gagzavnis<br />

Sedegad. am SemTxvevaSi mobil<br />

bankisa da sms bankis erTmaneTisgan<br />

gamijvna Znelia. baraTis saSualebiT<br />

ganxorcielebuli yvela operaciis<br />

Sesaxeb Setyobineba igzavneba mobilur<br />

telefonze, rac sabaraTe angariSis<br />

mudmivad kontrolis mosaxerxebeli<br />

saSualebaa.<br />

telefon banki saSualebas iZleva<br />

momxmarebelma tranzaqciebi telefonis<br />

meSveobiT ganaxorcielos, aseve<br />

TavisTvis saintereso sabanko infor-<br />

macia miiRos valutis kursebis, piradi<br />

angariSebis, anabrebze daricxuli<br />

procentis, sesxis grafikis da<br />

sxv. Sesaxeb. klients SeuZlia Sesabamis<br />

telefonis nomerze darekos,<br />

moaxdinos rogorc erovnuli, ise<br />

ucxouri valutis gadaricxva, erTi<br />

angariSidan meoreze Tanxis gadatana,<br />

sesxis dafarva, nebismieri tipis plastikuri<br />

baraTis SekveTa, komunaluri<br />

gadasaxadebis gadaxda. yvela bankSi<br />

telefon bankiT sar<strong>ge</strong>bloba ufasoa,<br />

xolo ganxorcielebul operaciebze<br />

bankis tarifebi Cveulebriv vrceldeba.<br />

bankiklienti mosaxerxebeli da<br />

martivi kompiuteruli programaa,<br />

mravali funqciiTa da servisiT internet<br />

bankingTan SedarebiT. am programis<br />

meSveobiT SesaZlebelia gadaricxvebis<br />

ganxorcieleba msoflios<br />

nebismier qveyanaSi, inkasaciaze moTxovnis<br />

gagzavna bankSi, angariSebis naS-<br />

Tebis, brunvebis, nebismieri periodis<br />

amonaweris da nebismieri operaciis<br />

sabuTis naxva. aseTi funqciebis gamo<br />

igi ZiriTadad iuridiuli pirebisTvisaa<br />

gankuTvnili. am programis<br />

qarTuli versiis instalacias bankebi<br />

30 laridan 50 laris farglebSi<br />

sTavazoben, yovelTviuri momsaxurebis<br />

tarifi erTi momxareblisTvis 10<br />

laridan 30 laramde Rirs, damatebiTi<br />

momxmareblisTvis ki 5 laridan<br />

20 laramde.<br />

gverdi gverdi moamzada<br />

moamzada<br />

moamzadaG<br />

moamzada<br />

gvanca vanca vanca sixaruliZe<br />

sixaruliZe<br />

sixaruliZe

---

#159<br />

ivnisi<br />

ivnisi<br />

Seamowme Seni<br />

sityvieri sityvieri testi: testi:<br />

testi:<br />

1. amoxseniT anagramebi da amoiReT zedmeti<br />

sityva:<br />

r r a a p p z z i i i<br />

i<br />

o o d d n n l l i i n n o<br />

o<br />

e e e l l d d i<br />

i<br />

o o s s v v m m k k i i o o<br />

o<br />

2. ipoveT saerTo daboloeba CamoTvlili sityvebisaTvis:<br />

3. amoxseniT anagramebi da amoiReT zedmeti<br />

sityva:<br />

T T i i x x e e e b b r r u u f f<br />

f<br />

v v a a u u c c r<br />

r<br />

o o b b l l r r a a<br />

a<br />

b b a a r r g g i<br />

i<br />

4. ipoveT saerTo dasawyisi CamoTvlili sityvebisaTvis:<br />

5. amoxseniT anagramebi da amoiReT zedmeti<br />

sityva:<br />

ui ui z z z b<br />

b<br />

R R o o o o k<br />

k<br />

i i u u u l l m m m<br />

m<br />

i i x x n n c c e<br />

e<br />

6. CasviT sityva romelic pirveli sityvis dasasrulia<br />

da meoris dasawyisi:<br />

para para (. (. . . . . . . .) .) ka<br />

ka<br />

7. CasviT gamotovebuli asoebi:<br />

8. amoxseniT anagramebi da amoiReT zedmeti<br />

sityva:<br />

J J v v a a a<br />

a<br />

o o T T a a S<br />

S<br />

k k k k a a a a i<br />

i<br />

l l i i i i a<br />

a<br />

9. CasviT gamotovebuli asoebi:<br />

inteleqti<br />

10. amoxseniT anagramebi da amoiReT zedmeti<br />

sityva:<br />

r r i i t t o o t<br />

t<br />

k k i i s s e e q<br />

q<br />

c c c a a v v i i s s i<br />

i<br />

u u u S S<br />

S<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

testebitestebi gaTvaliswinebulia gaTvaliswinebulia 18-dan 18-dan 50-60 50-60 wlamde wlamde asakis asakis asakis adamianebisTvis, adamianebisTvis, romelTromelTromelTacacac gavlili gavlili gavlili aqvT aqvT saSualo saSualo skolis skolis kursi. kursi. testebi testebi gamoad<strong>ge</strong>ba gamoad<strong>ge</strong>ba samuSaos samuSaos maZiemaZie-<br />

blebs, blebs, romelTac romelTac bankebSi bankebSi bankebSi an an sxva sxva organizaciebSi organizaciebSi uwevT uwevT testirebis testirebis gavla. gavla.<br />

gavla.<br />

ricxviTi ricxviTi testi:<br />

testi:<br />

1. gaagrZeleT ricxvTa rigi:<br />

0 0 3 3 8 8 8 15 15 ?<br />

?<br />

2. CasviT gamotovebuli ricxvi:<br />

3. CasviT gamotovebuli ricxvi:<br />

17 17 (102) (102) 12<br />

12<br />

14 14 ( ( ) ) 11<br />

11<br />

4. CasviT gamotovebuli ricxvi:<br />

7 7 4 4 6<br />

6<br />

8 8 4 4 8<br />

8<br />

6 6 5 5 ?<br />

?<br />

5. CasviT gamotovebuli ricxvi:<br />

6. CasviT gamotovebuli ricxvi:<br />

5 5 7 7 4 4 6 6 6 3 3 ?<br />

?<br />

7. CasviT gamotovebuli ricxvi:<br />

8. CasviT gamotovebuli ricxvi:<br />

98 98 (54) (54) 64<br />

64<br />

81 81 ( ( ) ) 36<br />

36<br />

9. CasviT gamotovebuli ricxvi:<br />

10. CasviT gamotovebuli ricxvi:<br />

testi<br />

4 4 1 1 2<br />

2<br />

2 2 6 6 3<br />

3<br />

3 3 3 2 2 2 ? ?<br />

? /pasuxebi /pasuxebi 22 22 gv./<br />

gv./<br />

12<br />

`saxalxo bankis~ eqspres-ganvadebaze<br />

saprocento ganakveTi mkveTrad gaizarda<br />

`saxalxo bankis~ eqspres-ganvadebaze saprocento ganakveTi 24%-iT, 48%-mde izrdeba.<br />

bankis cnobiT, savaWro obiqtebSi ama Tu im nivTis ganvadebiT Sesyidva erTi Tvis winaT<br />

24%-iani sexiT iyo SesaZlebelia, ivnisis dasawyisSi ganvadebis wliuri saprocento ganakve-<br />

Ti 42%-mde gaizarda, am Tvis bolodan ki 48%-mde izrdeba.<br />

bankis cnobiT, samomxmareblo, studentur Tu sxva saxis sesxebze saprocento ganakveTebi<br />

savaraudod 1-1,5%-iT gaizrdeba.<br />

sesxebis da sakredito baraTebis gacema am droisaTvis SeCerebulia da Tvis bolosTvis<br />

aRd<strong>ge</strong>ba.<br />

manamde samomxmareblo sesxebze saprocento ganakveTi iyo 24%, avto-sesxebze- 14-18%,<br />

studentur sesxebze- 12-20%.<br />

`kala kapitali~ mzadaa mcire da saSualo<br />

biznesis dafinanseba uzrunvelyos<br />

kompania `kala kapitali~ mzadaa mcire da saSualo binzesis dafinanseba uzrunvelyos.<br />

rogorc kompaniis veb-gverdzea ganmartebuli, dafinanebis miRebis msurvelebma unda<br />

Seavson da gaagzavnon veb-gverdze ganTavsebuli forma, biznes-<strong>ge</strong>gmasTan erTad.<br />

kompaniis menejmentis ganmartebiT, upiratesoba eniWebaT mewarmeebs, romelTac gaaCniaT<br />

garkveuli odenobis sakuTari saaqcio kapitali biznesis sawyis etapze Tana-dafinansebisaTvis.<br />

aseve kompaniebs, romlebsac surT ukve arsebuli biznesis gafarToeba.<br />

`kala kapitali~ uflebas itovebs sakuTari Sexedulebisamebr SearCios dasafinansebeli<br />

biznesi. ganacxadis formis Cabareba `kala kapitals~ biznes- winadadebis dafinansebis<br />

valdebulebas ar akisrebs.<br />

`kala kapitali~ fexburTel kaxi kalaZis mier dafuZnebuli kompaniaa, romelic am<br />

droisaTvis sami mimarTulebiT muSaobs. kompania aerTianebs `kala developments~ (uZravi<br />

qoneba, proeqti `arsenali~), `kala enerjis~ (ener<strong>ge</strong>tika) da `progres banks~, romelic<br />

aqtiur sabanko saqmianobas seqtemberSi iwyebs.<br />

`HSBC banki - saqarTvelos~ sakredito<br />

baraTebi bazarze ivlisSi gamova<br />

ss “HSBC banki - saqarTvelos~ sakredito baraTebi, 51- dRiani saSeRavaTo periodiT,<br />

saqarTvelos sabanko bazarze ivlisSi gamova.<br />

ss `HSBC banki - saqarTvelos~ cnobiT, momzadebulia sami saxis baraTi: viza eleqtroni<br />

(sabanko anagariSebze mibmuli), viza klasiki da viza goldi, romelTa limitebi gansxvavebulia.<br />

viza klasiki erTwliania, minimaluri limiti 200 laria, wliuri saprocento ganakveTi<br />

- 24%, minimaluri Senatani -10%, yovel vadagadacilebul dReze Sesatani -aTvisebuli<br />

Tanxis -10%. baraTis Rirebuleba - 40 lari.<br />

viza goldic erTwliania, angariSze ganaTavsebeli minimaluri Tanxa - 4 500 lari,<br />

wliuri saprocento ganakveTi -20%. baraTis Rirebuleba - 150 lari.<br />

am droisaTvis bazarzea `saqarTvelos bankis~, `Tibisi bankis~, banki `respublikas~,<br />

`bazisbankis~, `standart bankis~ da `taoprivatbankis~ sakredito baraTebi. ivlisSi gamova<br />

`taoprovatbankis~ ganaxlebuli sakredito baraTi. `freS seriis~ sakredito baraTebis<br />

daxvewaze muSaobs aseve `standart banki~, romlis xelmZRvanelobis cnobiT, `standart<br />

bankis~ baraTis pirobebi bazarze arsebulTan SedarebiT, ufro SeRavaTiani iqneba.<br />

HSBC Bank-i saqarTvelos bazarzec gasul wels Semovida da `HSBC banki saqarTvelo~<br />

daaregistrira.<br />

`HSBC banki saqarTvelos~ aqtivebi 2008 wlis 1 maisis mdgomareobiT 22 505 374<br />

lars, saaqcio kapitali 20 150 914 lars Sead<strong>ge</strong>ns.<br />

mamuka axvlediani, Tbilisis vice-meri:<br />

ipoTekuri kreditebis bazarze arsebuli<br />

problema 5-6 TveSi mogvardeba<br />

saqarTvelos ipoTekuri kreditis bazarze saprocento ganakveTebis gazrdas, Tbilisis<br />

vice-meri mamuka axvlediani, msoflio bazarze ganviTarebul movlenebs ukavSirebs.<br />

rogorc axvlediani ganmartavs, saqarTveloSi moqmedma bankebma ipoTekur kreditebze<br />

saprocento ganakveTi solidurad gazardes. axvledians miaCnia, rom problema male mogvardeba<br />

da amas Tavad bazari daaregulirebs.<br />

axvledians magaliTad yazaxeTi mohyavs, sadac analogiuri problema 2007 wels Seiqmna.<br />

`yazaxeTSi krizisi 5-6 Tves gagrZelda da mimaCnia, rom saqarTveloSic procesi swored am<br />

drois monakveTSi mogvardeba,~ - ganmartavs axvlediani.<br />

sagadasaxado kodeqssa da sabiujeto<br />

sistemebis Sesaxeb kanonSi cvlilebebi Sedis<br />

finansTa ministris nika gilauris gancxadebiT, cvlilebebis pirveli etapi Rvinoze<br />

aqcizis gadasaxadis gauqmebas, dividendiTa da procentiT miRebul Semosavalze dawesebuli<br />

10%-iani gadasaxadis da saSemosavlo gadasaxadis etapobrivad Semcirebas iTvaliswinebs.<br />

gilauris informaciiT, Rvinoze dawesebuli aqcizi, romlic am droisTvis 1 litrze 10<br />

TeTriT aris gansazRvruli, kanonis miRebisTanave gauqmdeba.<br />

2009 wels saSemosavlo gadasaxadi 25%-dan 24%-mde, 2010 wels -22%-mde, 2011 wels -<br />

20%-mde, 2012 wels -18%-mde Semcirdeba, 2013 - 15%-mde Semcirdeba.<br />

rogorc nika gilaurma mTavrobis oTxSabaTis sxdomis dasrulebis Semdeg ganacxada,<br />

dividendiT da procentiT miRebuli Semosavalze gadasaxadic 5- wliani grafikiT etapobrivad<br />

Semcirdeba.<br />

sakanonmdeblo cvlilebebi importiorebis diferencirebasac iTvaliswinebs. gilauris<br />

informaciiT, Sed<strong>ge</strong>ba <strong>`oqros</strong> sia~, romelSic arakriminaluri warsulis mqone, kargi gadamxdelebi<br />

importiorebi gaerTiandebian da maTTvis sabaJo procedurebi gamartivdeba.

---

#159<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

avtoganvadeba qarTul bankebSi<br />

saqarTvelos bankis `avto~<br />

`saqarTvelos bankis~ `avto~ manqanis SeZenis msurvelebs saSualebas aZlevs, sxvadasxva<br />

markis axali da meoradi avtomobilebis mflobelebi gaxdnen. Tanac avtomanqanis SeZena ara<br />

mxolod oficialur dilerebTan, aramed bazrobaze da kerZo pirisganac aris SesaZlebeli.<br />

aseT SemTxvevaSi, banki avtomobilis Rirebulebas winaswar gadaixdis da momxmarebeli Tanxas<br />

etapobrivad daabrunebs.<br />

banki myidvels damatebiT sadebeto VISA Electron-sa da MasterCard Maestro-s plastikur<br />

baraTebs mobil bankisa da onlain gadaxdebis momsaxurebiT sTavazobs. klients aseve SeuZlia,<br />

sxva sabanko da sadazRvevo produqtebiTac isar<strong>ge</strong>blos.<br />

`avto~-iT avtomobilis SesaZenad, myidvelis minimaluri xelfasi 400 aSS dolari unda<br />

iyos. sesxis vada 72 Tvemdea, xolo 12 Tviani ganvadebis SemTxvevaSi saprocento ganakveTi 0%s<br />

Sead<strong>ge</strong>ns. sesxis damtkiceba 1 dReSia SesaZlebeli. uzrunvelyofas ki SesaZeni avtomobili<br />

Tavad warmoad<strong>ge</strong>ns.<br />

`Tibisi~ bankis `gadajeqi axal<br />

manqanaSi~<br />

`Tibisi~ bankis `gadajeqi axal manqanaSi~ momxmareblebs axali da meoradi avtomobilebis<br />

ganvadebiT, procentis gadaxdis gareSe SeZenas sTavazobs. SesaZlebelia bankis sesxiT jer axali<br />

manqanis SeZena da Semdeg sesxis aRebidan 4 Tvis ganmavlobaSi Zvelis gayidva. gayiduli manqanis<br />

Tanxis SetaniT sesxi erTbaSad mcirdeba, xolo darCenili Tanxis dafarva yovelTviuri Tanabari<br />

SenatanebiTaa SesaZlebeli. sesxis damtkiceba 2 dReSi SeiZleba, xolo Tu uzrunvelyofis<br />

sagans manqana Tavad warmoad<strong>ge</strong>ns, misi dazRveva aucilebelia. sesxis maqsimaluri Tanxa 80 000<br />

aSS dolaria, misi dafarvis vada ki 24 Tves Sead<strong>ge</strong>ns. Tanamonawileoba 25%-dan.<br />

`vi Ti bi banki jorjia~<br />

`viTibi~ bankis avtosesxiT sar<strong>ge</strong>blobisaTvis<br />

stabiluri, dadasturebadi Semosavalia saWiro.<br />

sesxis saprocento ganakveTi 16 %-dan iwyeba, Tanxis<br />

moculoba 2000-dan 60000 laramdea, dafarvis<br />

vada ki 3-60 Tvemde, Tanamonawileoba axali avtomobilisTvis<br />

10%, meoradisTvis - 30%. avtosesxis<br />

uzrunvelyofis obieqts Tavad avtomanqana warmoad<strong>ge</strong>ns.<br />

saWiroa mxolod misi dazRveva.<br />

`viTibi~ banki, garda avtosesxisa, mis momxmarebels saSualebas aZlevs, axali avtomobili<br />

ganvadebiTac SeiZinon. ganvadebis vada 24 Tvemdea, Tanamonawileoba ki mTliani Rirebulebis<br />

40%. Tanxis moculoba 5 000-dan 50 000 aSS dolaramdea. saprocento ganakveTi 12 Tvemde 0%,<br />

xolo 12 Tveze metxans, TiToeul damatebul Tveze 1 %.<br />

banki `respublika~<br />

banki `respublikas~ avtoganvadebiT sar<strong>ge</strong>blobisaTvis minimaluri Semosavali 200 lari<br />

unda iyos. saprocento ganakveTi 0%-dan 12%-mdea, xolo ganvadebis Tanxis moculoba 3500-dan<br />

100 000 aSS dolaramde. Tanxis damtkiceba 15 wuTSi SeiZleba. ganvadebis vada larSi 36<br />

Tvemde, xolo aSS dolarsa da evroSi - 84 Tvemdea. aseve banki Tavis klientebs avtomobilis<br />

dazRvevas 3%-dan sTavazobs.<br />

garda amisa, bank `respublikas~ momxmareblebs avtosesxiT `formula 1~-iT SeuZliaT<br />

isar<strong>ge</strong>blon. am SemTxvevaSi saprocento ganakveTi 16%-dan iwyeba da sesxis moculoba larSi<br />

3500-dan 100 000 laramde meryeobs. maqsimaluri vada 3 welia. `formula 1~-iT SesaZlebelia<br />

rogorc axali, ise meoradi avtomobilebis SeZena.<br />

`standart banki~<br />

`standart banki~ `micubiSis~ SeZenis msurvelebs, ganvadebas mis oficialur dilerTan<br />

erTad sTavazobs. 12 Tviani ganvadebis SemTxvevaSi saprocento ganakveTi 0%-ia, xolo 12 Tveze<br />

zemoT, Tanamonawileobis Sesabamisad, 0%-dan 24 %-mde. minimaluri Tanamonawileoba 25 %-ia.<br />

avtoganvadeba<br />

13<br />

Tanxis moculoba 5 000-dan 35 000 aSS dolaramde meryeobs, ganvadebis vada 6-dan 60 Tvemde.<br />

ganvadebis misaRebad saWiro minimaluri xelfasi 500 aSS dolari unda iyos da klienti raime<br />

saxis uZrav qonebas unda flobdes.<br />

`saxalxo banki~<br />

`saxalxo bankis~ avto sesxi momxmarebels saSualebas aZlevs, avtomobili internetiT<br />

sazRvargareT, dileris SuamavlobiT SeiZinos. SesaZlebelia sesxis damtkiceba erTi TviT adre,<br />

vidre klienti sasurvel avtomobils SearCevs. sesxi wliuri 14%-dan gaicema. misi dafarvis<br />

vada ki 6 wlamdea. rac Seexeba sesxis Tanxas, igi 1 000 aSS dolaridan iwyeba da SeuzRudavia.<br />

avtomanqanis SeZena SesaZlebelia rogorc avtosalonebSi, ise kerZo pirisganac. Tanamonawileoba<br />

15%-dan iwyeba.<br />

`taoprivatbanki~<br />

`taoprivatbankis~ avtosesxis damtkiceba 30 wuTSia SesaZlebeli da 5 wlis vadiT gaicema.<br />

pirveladi Senatanis saxiT avtomanqanis Rirebulebis 40%-is gadaxdis SemTxvevaSi, Semosavlebis<br />

damadasturebeli dokumentaciis ward<strong>ge</strong>na saWiro aRar aris. avtomanqanis avtosalonidan<br />

SeZenis SemTxvevaSi, wliuri saprocento ganakveTi larSi 17.52%-ia. pirveladi Senatani ki<br />

mTliani Rirebulebis 15%-s Sead<strong>ge</strong>ns. rac Seexeeba meorad avtomobilebs, wliuri procenti<br />

larSi 19.44%-ia, xolo pirveladi Senatani 30%.<br />

BTA Silk Road Bank<br />

`silqroud~ banki Tavis momxmarebels ramdenime saxis avtokredits sTavazobs. `avtomobilistiT~<br />

SesaZlebelia jer axali avtomobilis SeZena da Semdeg 6 Tvis ganmavlobaSi Zvelis<br />

gayidva. kreditis moculoba 100 000 aSS dolaramdea, xolo vada 12-dan 84 Tvemde. wliuri<br />

saprocento ganakveTi 17%-dan iwyeba. `avto 100~-iT SesaZlebelia avtomobilis 10 wliT ganvadeba.<br />

kreditis moculoba 100 000 aSS dolaramdea, misi dafarvis vada ki 120 Tvemde, saprocento<br />

ganakveTi wliuri 18%-dan iwyeba. `biznes-avto~ warmoad<strong>ge</strong>ns avto kredits komerciuli miznebisaTvis.<br />

aseTi sesxis vada 12-dan 60 Tvemdea, saprocento ganakveTi 18%-dan, pirveladi Senatani<br />

ki 20%-dan iwyeba. banki avtosesxis miRebis msurvelebs saCuqrad VIS baraTs gadascems.<br />

nata nata maruqaSvili<br />

maruqaSvili

---

#159<br />

ivnisi<br />

ivnisi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

14<br />

vakansiebi bankebSi<br />

`` `` ` prokredit prokredit prokredit prokredit prokredit banki~ banki~ banki~ banki~ banki~ acxadebs acxadebs acxadebs acxadebs acxadebs vakansias vakansias vakansias vakansias vakansias riskebis riskebis riskebis riskebis riskebis menejeri/informaciis menejeri/informaciis menejeri/informaciis menejeri/informaciis menejeri/informaciis dacvis dacvis dacvis dacvis dacvis oficris oficris oficris oficris oficris<br />

Tanamdebobaze Tanamdebobaze Tanamdebobaze Tanamdebobaze Tanamdebobaze riskebis riskebis riskebis riskebis riskebis marTvis marTvis marTvis marTvis marTvis ganyofilebaSi:<br />

ganyofilebaSi:<br />

ganyofilebaSi:<br />

ganyofilebaSi:<br />

ganyofilebaSi:<br />

ZiriTadi funqciebi da movaleobebi:<br />

- informaciis dacvis zedamxedveloba;<br />

- sainformacio riskis analizis da Sefasebis procesis ganviTareba;<br />

- informaciis dacvasTan dakavSirebuli moTxovnebis gamokvleva da rekomendaciebis gacema;<br />

- informaciis dacvis srulyofis mizniT procesebis da<strong>ge</strong>gmva, danergva, testireba da<br />

monitoringis Catareba;<br />

- riskebis marTvis ganyofilebis riskebis menejerebTan erTad politikis, procedurebis an<br />

saxelmZRvanelo dokumentebis SemuSavebis procesSi sxva departamentebTan TanamSromloba,<br />

bankis kompiuteruli sistemebisa da sxva sainformacio wyaroebis usafrTxoebisa da konfidencialobis<br />

dacvis mizniT;<br />

- direqtorTa sabWosaTvis bankSi informaciis dacvis programis mdgomareobis Sesaxeb<br />

angariSebis regularulad miwodeba.<br />

moTxovnebi:<br />

- umaRlesi ganaTleba ekonomikis, finansebis/sabanko saqmis, IT-is sferoSi;<br />

- kompiteruli sistemebis kargi codna;<br />

- auditSi aranakleb 1 wlis muSaobis gamocdileba;<br />

- MS Office-is programebis kargi codna (savaldebuloa);<br />

- inglisuri enis srulyofilad codna (savaldebuloa);<br />

maRali pasuxism<strong>ge</strong>blobis grZnoba;<br />

- komunikabeluroba, gundSi muSaobis unari;<br />

- analitikuri, kreatiuli da organizaciuli unar-Cvevebi;<br />

- dasaxuli amocanebis droulad Sesrulebis unari;<br />

xelfasi ganisazRvreba kandidatis kvalifikaciis da gamocdilebis Sesabamisad.<br />

dainteresebul pirebs SeuZliaT warmoadginon reziume vakansiis dasaxelebiT da Sevsebuli<br />

saaplikacio forma (ix. www.procreditbank.<strong>ge</strong>) inglisur enaze misamarTze:<br />

saTao ofisi; aRmaSeneblis gamziri #154, 0112 Tbilisi; an gamogvigzavnon eleqtronuli<br />

fostiT Semdeg misamarTze: career@procreditbank.<strong>ge</strong>; gTxovT, eleqtronuli werilis Temis<br />

grafaSi da gadmogzavnil rezumeSi aucileblad miuTiToT vakansiis dasaxeleba “Risk Mana<strong>ge</strong>r/Information<br />

Security Officer”. winaaRmdeg SemTxvevaSi, Tqveni ganacxadi ar ganixileba.<br />

gTxovT gaiTvaliswinoT, rom dakavSireba moxdeba mxolod SerCeul kandidatebTan.<br />

`prokredit `prokredit `prokredit `prokredit `prokredit banki~ banki~ banki~ banki~ banki~ acxadebs acxadebs acxadebs acxadebs acxadebs klientTa klientTa klientTa klientTa klientTa mrCevlis mrCevlis mrCevlis mrCevlis mrCevlis vakansias vakansias vakansias vakansias vakansias goris goris goris goris goris filialSi. filialSi. filialSi. filialSi. filialSi.<br />

ZiriTadi ZiriTadi movaleobebi:<br />

movaleobebi:<br />

- axali klientebis mozidva;<br />

- potenciuri da arsebuli klientebisaTvis sabanko produqtebis SeTavazeba;<br />

- klientisaTvis sabanko momsaxurebis gaweva;<br />

- klientisaTvis informaciis miwodeba, konsultaciebis gaweva;<br />

- bankis mier organizebul sareklamo RonisZiebebSi monawileoba, rogorc bankSi aseve<br />

bankis gareT;<br />

moTxovnebi:<br />

moTxovnebi:<br />

- umaRlesi ganaTleba (sasurvelia ekonomikis, sabanko, safinanso an monaTesave dar<strong>ge</strong>bSi);<br />

- qarTuli enis srulyofilad floba (sasurvelia rusuli enis codna);<br />

- kompiuteruli unar-Cvevebi (standartuli saofise programebis codna);<br />

- komunikabeluroba;<br />

- klientebisadmi keTilganwyoba;<br />

- datvirTul reJimSi muSaobis unari;<br />

- gunduri muSaobis unari;<br />

- problemebis droulad da mSvidad mogvarebis unari;<br />

- asaki 21-dan – 35-wlamde.<br />

dainteresebul pirebs SeuZliaT warmoadginon reziume vakansiis dasaxelebiT “Client Advisor<br />

in Gori Branch” da Sevsebuli saaplikacio forma (ix. www.procreditbank.<strong>ge</strong>) Semdegi<br />

misamarTebidan erT-erTze:<br />

goris filiali<br />

stalinis q. 14<br />

1400 gori<br />

saTao ofisi<br />

aRmaSeneblis gamziri #154,<br />

0112 Tbilisi<br />

an gamogvigzavnon eleqtronuli fostiT Semdeg misamarTze: career@procreditbank.<strong>ge</strong><br />

gTxovT, eleqtronuli werilis Temis grafaSi da gadmogzavnil rezumeSi aucileblad<br />

miuTiToT vakansiis dasaxeleba “Client Advisor in Gori Branch” winaaRmdeg SemTxvevaSi, Tqveni<br />

kandidatura ar ganixileba.<br />

ganacxadis miRebis bolo vada: 2008 2008 2008 2008 2008 wlis wlis wlis wlis wlis 2 2 2 2 2 ivlisi. ivlisi. ivlisi. ivlisi. ivlisi.<br />

gTxovT gaiTvaliswinoT, rom dakavSireba moxdeba mxolod SerCeul kandidatebTan.<br />

s.s. s.s. s.s. s.s. s.s. `banki `banki `banki `banki `banki konstanta~ konstanta~ konstanta~ konstanta~ konstanta~ acxadebs acxadebs acxadebs acxadebs acxadebs vakansias vakansias vakansias vakansias vakansias Semdeg Semdeg Semdeg Semdeg Semdeg Tanamdebobaze:<br />

Tanamdebobaze:<br />

Tanamdebobaze:<br />

Tanamdebobaze:<br />

Tanamdebobaze:<br />

adgilmdebareoba: adgilmdebareoba: Tbilisi<br />

Tanamdeboba:<br />

Tanamdeboba: Tanamdeboba: programisti<br />

ZiriTadi ZiriTadi movaleobebi:<br />

movaleobebi:<br />

- minimum bolo ori wlis muSaobis gamocdileba programirebaSi;<br />

- SQL enasTan muSaobis praqtikuli gamocdileba da unar-Cvevebi;<br />

- MSSQL -Si monacemTa bazis gamarTva da mxardaWera-marTva;<br />

- minimum 2 wliani muSaobis gamocdileba Microsoft.NET teqnologiebSi (ADO.Net, ASP.Net), C#;<br />

- minimum 2 wliani muSaobis gamocdileba Borland Delphi -is garemoSi.<br />

- lta software-Tan muSaobis gamocdileba CaiTvleba upiratesobad.<br />

moTxovnebi:<br />

- umaRlesi ganaTleba Sesabamisi ganxriT;<br />

- qarTuli, rusuli da inglisuri enebis srulyofili codna;<br />

- analitikuri azrovneba, presisa da rTuli samuSao pirobebis SemTxvevaSi samuSaos<br />

droulad Sesrulebis unari;<br />

- komunikabeloba da jgufTan muSaobis unari, saqmisadmi patiosani damokidebuleba,<br />

pasuxism<strong>ge</strong>bloba da profesiuli eTika;<br />

- `alta~-s kompiuterul programebSi muSaobis gamocdileba CaiTvleba upiratesobad;<br />

dainteresebulma pirebma warmoadginon avtobiografiebi Semdeg misamarTze:<br />

fondi konstantas saTao ofisi: winamZRvriSvilis q.115, Tbilisi 0112, saqarTvelo; tel: 95<br />

30 20: 95 17 31 el–fosta: tatiag@constanta.<strong>ge</strong><br />

vakansiebi<br />

`prokredit `prokredit `prokredit `prokredit `prokredit banki~ banki~ banki~ banki~ banki~ acxadebs acxadebs acxadebs acxadebs acxadebs vakansias vakansias vakansias vakansias vakansias centralizebuli centralizebuli centralizebuli centralizebuli centralizebuli beq beq beq beq beq ofisis ofisis ofisis ofisis ofisis oper- oper- oper- oper- operatoris<br />

atoris atoris atoris atoris Tanamdebobaze<br />

Tanamdebobaze<br />

Tanamdebobaze<br />

Tanamdebobaze<br />

Tanamdebobaze<br />

ZiriTadi ZiriTadi movaleobebi:<br />

movaleobebi:<br />

- filialebidan sagadaxdo davalebebis miReba da maTi programuli registracia;<br />

- daregistrirebuli sagadaxdo davalebebis Semowmeba da avtorizacia;<br />

- saxadaxdo davalebebTan dakavSirebuli sxva operaciebis Sesruleba.<br />

moTxovnebi:<br />

moTxovnebi:<br />

- umaRlesi ganaTleba;<br />

- detalebisadmi yuradReba;<br />

- organizebuloba;<br />

- daZabul reJimSi muSaobis unari;<br />

- saofise kompiuteruli programebis codna;<br />

- kompiuterTan muSaobis da beWdvis gamocdileba;<br />

- komunikabeluroba da gundSi muSaobis unari.<br />

dainteresebul pirebs SeuZliaT warmoadginon reziume vakansiis dasaxelebiT “Centralized<br />

Back Office Operator” da Sevsebuli saaplikacio forma (ix. www.procreditbank.<strong>ge</strong>) Semdeg<br />

Semdeg<br />

misamarTze:<br />

misamarTze:<br />

prokredit bankis saTao ofisi<br />

d. aRmaSeneblis gamziri ?154,<br />

0112 Tbilisi<br />

an gamogvigzavnon el-fostiT Semdeg misamarTze: career@procreditbank.<strong>ge</strong><br />

gTxvoT, el-fostis Temis grafaSi miuTiToT vakansiis dasaxeleba “Centralized Back Office<br />

Operator” winaaRmdeg SemTxvevaSi, Tqveni ganacxadi ar ganixileba.<br />

ganacxadis miRebis bolo vada: 2007 2007 2007 2007 2007 wlis wlis wlis wlis wlis 27 27 27 27 27 ivnisi. ivnisi. ivnisi. ivnisi. ivnisi.<br />

dakavSireba moxdeba mxolod SerCeul kandidatebTan<br />

`prokredit `prokredit `prokredit `prokredit `prokredit banki~ banki~ banki~ banki~ banki~ acxadebs acxadebs acxadebs acxadebs acxadebs klientTa klientTa klientTa klientTa klientTa mrCevlis mrCevlis mrCevlis mrCevlis mrCevlis vakansias vakansias vakansias vakansias vakansias xaSuris xaSuris xaSuris xaSuris xaSuris ganyofilebaSi.<br />

ganyofilebaSi.<br />

ganyofilebaSi.<br />

ganyofilebaSi.<br />

ganyofilebaSi.<br />

ZiriTadi ZiriTadi movaleobebi:<br />

movaleobebi:<br />

movaleobebi:<br />

- axali klientebis mozidva;<br />

- potenciuri da arsebuli klientebisaTvis sabanko produqtebis SeTavazeba;<br />

- klientisaTvis sabanko momsaxurebis gaweva;<br />

- klientisaTvis informaciis miwodeba, konsultaciebis gaweva;<br />

- bankis mier organizebul sareklamo RonisZiebebSi monawileoba, rogorc bankSi aseve<br />

bankis gareT;<br />

moTxovnebi: moTxovnebi:<br />

moTxovnebi:<br />

- umaRlesi ganaTleba (sasurvelia ekonomikis, sabanko, safinanso an monaTesave dar<strong>ge</strong>bSi);<br />

- qarTuli enis srulyofilad floba (sasurvelia rusuli enis codna);<br />

- kompiuteruli unar-Cvevebi (standartuli saofise programebis codna);<br />

- komunikabeluroba;<br />

- klientebisadmi keTilganwyoba;<br />

- datvirTul reJimSi muSaobis unari;<br />

- gunduri muSaobis unari;<br />

- problemebis droulad da mSvidad mogvarebis unari;<br />

- asaki 21-dan 35-wlamde.<br />

dainteresebul pirebs SeuZliaT warmoadginon reziume vakansiis dasaxelebiT “Client Advisor<br />

in Khashuri Outlet” da Sevsebuli saaplikacio forma (ix. www.procreditbank.<strong>ge</strong>) Semdegi<br />

misamarTebidan erT-erTze:<br />

xaSuris ganyofileba<br />

stalinis q. 112<br />

5700 xaSuri<br />

saTao ofisi<br />

aRmaSeneblis gamziri #154,<br />

0112 Tbilisi<br />

an gamogvigzavnon eleqtronuli fostiT Semdeg misamarTze: career@procreditbank.<strong>ge</strong><br />

gTxovT, eleqtronuli werilis Temis grafaSi da gadmogzavnil rezumeSi aucileblad<br />

miuTiToT vakansiis dasaxeleba “Client Advisor in Khashuri Outlet” winaaRmdeg SemTxvevaSi,<br />

Tqveni kandidatura ar ganixileba.<br />

ganacxadis ganacxadis ganacxadis ganacxadis ganacxadis miRebis miRebis miRebis miRebis miRebis bolo bolo bolo bolo bolo vada: vada: vada: vada: vada: 2008 2008 2008 2008 2008 wlis wlis wlis wlis wlis 2 2 2 2 2 ivlisi. ivlisi. ivlisi. ivlisi. ivlisi.<br />

s.s. s.s. s.s. s.s. s.s. `banki `banki `banki `banki `banki konstanta~ konstanta~ konstanta~ konstanta~ konstanta~ acxadebs acxadebs acxadebs acxadebs acxadebs vakansias vakansias vakansias vakansias vakansias Semdeg Semdeg Semdeg Semdeg Semdeg Tanamdebobaze:<br />

Tanamdebobaze:<br />

Tanamdebobaze:<br />

Tanamdebobaze:<br />

Tanamdebobaze:<br />

adgilmdebareoba<br />

adgilmdebareoba: adgilmdebareoba Tbilisi<br />

poziciis poziciis poziciis dasaxeleba: dasaxeleba: dasaxeleba: mTavari buRalteri<br />

movaleobebi:<br />

- bankis sabuRaltro wesebisa da Sida normatiuli dokumentebis ganaxleba;<br />

- sabuRaltro meTodebis daxvewa, romelsac safuZvlad eqneba bankis normatiuli<br />

- dokumentebi;<br />

- sabuRaltro angariS<strong>ge</strong>bebis formebisa da sabuRaltro dokumentebis ganaxleba,<br />

- ganviTareba;<br />

- saqarTvelos erovnuli bankis mier gamoSvebuli samarTlebrivi da normatiuli dokumentebis<br />

codna.<br />

sakvalifikacio moTxovnebi:<br />

- bakalavris xarisxi ekonomikis, finansebis an sxva Sesabamis sferoSi;<br />

- bankSi muSaobis 3 wlis staJi Sesabamisi profiliT;<br />

- sagadasaxado kodeqsis codna;<br />

- saofise kompiuteruli programebis codna;<br />

- eqstremalur situaciaSi muSaobis unari;<br />

- maRali pauxis<strong>ge</strong>blobis grZnoba.<br />

dainteresebulma pirebma warmoadginon avtobiografiebi 2008 wlis 19 ivlisamde Semdeg<br />

misamarTze: `konstantas~ saTao ofisi; winamZRvriSvilis q. 115, Tbilisi 0112, saqarTvelo<br />

el-fosta: jobs@constanta.<strong>ge</strong>

---

#159<br />

ivnisi<br />

ivnisi<br />

patara erebisa da qveynebis arsebobisa<br />

da gadarCenis problema<br />

yovelTvis aqtualuri iyo. asea<br />

dResac. Cvenc swored aseT saxelmwifoTa<br />

ricxvs mivekuTvnebiT.<br />

saqarTvelos situacias kidev ufro<br />

amZimebs is faqtori, rom gverds<br />

sakaod Zlieri da ganawyenebuli didi<br />

saxelmwifo `gvimSvenebs~. sanam Crdilo-atlantikuri<br />

gaerTianeba<br />

CvenTvis sabolood gaaRebs kars, manam<br />

umoqmedoba da saxelmwifoTa sxvadasxva<br />

tipis gaerTianebebze uaris<br />

Tqma, namdvilad ar aris marTebuli.<br />

saqarTvelo maqsimalurad cdilobs<br />

politikuri, ekonomikuri Tu diplomatiuri<br />

samegobro da samezoblo<br />

wris gafarToebas. erT-erTi mniSvnelovani<br />

saerTaSoriso gaerTianeba,<br />

romelSic saqarTvelo postsab-<br />

WoTa qveynebTan - ukrainasTan, azerbaijanTan<br />

da moldovasTan erTadaa<br />

gaerTianebuli - suamia, romelmac<br />

am ori wlis win regionaluri organizaciis<br />

statusi moipova.<br />

am gaerTianebis arsis, daniSnulebis,<br />

miznebisa da mniSvnelobis<br />

Sesaxeb gvesaubreba strategiul<br />

strategiul<br />

gamokvlevaTa gamokvlevaTa centris centris direqtori direqtori<br />

direqtori<br />

irakli irakli menaRariSvili.<br />

menaRariSvili.<br />

- - batono batono irakli, irakli, ratom ratom ratom Seiqm- Seiqm- SeiqmSeiqmnanana am am oTxi oTxi saxelmwifos saxelmwifos kavSiri kavSiri (sua(sua-<br />

mi), mi), ras ras ras emsaxureboda emsaxureboda emsaxureboda misi misi Seqmna Seqmna<br />

Seqmna<br />

anu anu ra ra aris aris zogadad zogadad suami? suami?<br />

suami?<br />

- suami amJamad ukve gaxlavT regionaluri<br />

saerTaSoriso organizacia.<br />

is aerTianebs Savi zRvis regionis<br />

oTx saxelmwifos, romelTa mizani<br />

saxelmwifoebSi aRmSeneblobisa da<br />

damoukideblobis procesebis xe-<br />

lSelSewyobaa, regionaluri Tanam-<br />

Sromlobis ganviTarebis gziT. aseve<br />

suamis wevri saxelmwifoebis mizans<br />

warmoad<strong>ge</strong>ns saerTaSoriso arenaze<br />

erToblivi moqmedebiT anu koordinirebuli<br />

saqmianobiT sakuTari<br />

interesebis gatareba. es aris Zalian<br />

mokle formula im misiisa, romelic<br />

suams gaaCnia. mis Seqmnas safuZveli<br />

1996 wels venaSi evropaSi Cveulebrivi<br />

SeiaraRebuli Zalebis SezRudvis<br />

Sesaxeb xelSekrulebis modifikaciasTan<br />

anu ganaxlebasTan dakavSirebul<br />

konferenciaze Caeyara. es xelSekruleba<br />

gansazRvravda TamaSis wess or<br />

bloks Soris, romelic arsebobda civi<br />

omis dasasrulamde. xolo mas Semdeg,<br />

rac civi omi dasrulda da sabWoTa<br />

kavSiri daiSala, saWiro gaxda misi<br />

adaptireba axali realobisadmi. civi<br />

omis Semdeg moTamaSeTa ricxvi gaizarda<br />

da sabWoTa kavSiris erTiani var-<br />

Savis blokis nacvlad saxelmwifoTa<br />

mTeli jgufi warmoiSva. am Temas<br />

eZRvneboda is konferencia, romelzedac<br />

aRmoCnda, rom ramdenime postsa-<br />

``suamis ``suamis wevri wevri SeiZleba SeiZleba iyos iyos ara ara dsT-s dsT-s wevri<br />

wevri<br />

qveyanac, qveyanac, Tuki Tuki romelime romelime qveyanas qveyanas amis amis survili<br />

survili<br />

eqneba`` eqneba``<br />

eqneba``<br />

bWoTa saxelmwifos msgavsi xedva hqonda<br />

regionSi erovnuli usafrTxoebis<br />

problemebze da aseve hqondaT survili<br />

erTmaneTisTvis mxari daeWiraT<br />

am mniSvnelovani sakiTxis ganxilvisas,<br />

raTa am gziT moexdinaT erTmane-<br />

Tis interesebis dacva da realizacia.<br />

swored, am konferenciis farglebSi<br />

Camoyalibda pirveli kontaqtebi<br />

oTx saxelmwifos - azerbaijans,<br />

ukrainas, saqarTvelosa da<br />

moldovas Soris da pirveli samuSao<br />

konsultaciebic am konferenciis<br />

farglebSi Catarda. es idea maSinve<br />

iqna mowonebuli dedaqalaqebSi.<br />

- - suamis suamis suamis wevri wevri wevri qveynebi qveynebi sakamaod<br />

sakamaod<br />

gansxvavdebian gansxvavdebian erTmaneTisagan,<br />

erTmaneTisagan,<br />

SeerTebuli Statebis imedebi kaspiis<br />

zRvaSi navTobis mopovebasTan<br />

dakavSirebiT ar gamarTlda<br />

navTobis mopovebis maCvenebelebi<br />

kaspiis zRvis regionSi ufro<br />

mcire aRmoCnda, vidre amas amerikis<br />

SeerTebuli Statebis saxelmwifo<br />

ener<strong>ge</strong>tikuli uwyeba (EIA)<br />

winaswarmetyvelebda, - ganacxada<br />

amerikul gazeT The Hill-Tan interviuSi<br />

EIA-s xelmZRvanelma gai karuzom.<br />

`mTel rig adgilebSi imedgacrueba<br />

vi<strong>ge</strong>meT. velodiT, rom<br />

navTobmopoveba ruseTis farglebs<br />

gareT ufro meti iqneboda vidre axlaa,~ - ganmarta karuzom.<br />

EIA-s monacemebiT, navTobmopovebam yazaxeTSi 2007 wels 1,44 mln.<br />

bareli Seadgina dRe-RameSi, xolo 2008 wlis ukanaskneli prognozebiT<br />

qveyanaSi 1,49 mln. barelis mopoveba moxdeba, xolo 2009 wels ki 1,63<br />

mln. barelis.<br />

navTobmopovebam azerbaijnaSi 2007 wels dRe-RameSi 0,85 mln. bareli<br />

Seadgina, 2008 wels navTobmopoveba winaswari monacemebiT 0,96 mln.<br />

barels gautoldeba dRe-RameSi, xolo 2009 wlisTvis es moculoba dRe-<br />

RameSi 1,8 mln. barelis toli iqneba.<br />

azerbaijanSi navTobis mopoveba umeteswilad `azeri-Ciragis-giunSlis~<br />

sabadoze xdeba. navTobis transportireba baqo-Tbilisi-jeihanis navTobsadeniT<br />

xorcieldeba.<br />

<strong>ge</strong>opolitika<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

ra sar<strong>ge</strong>bloba moaqvs suams<br />

rogorc rogorc politikuri politikuri situaciiT,<br />

situaciiT,<br />

aseveaseve ekonomikurad ekonomikurad da da da kulturukulturukulturuladac.ladac.ladac. Tqven Tqven rogor rogor migaCniaT, migaCniaT, ase- ase- ase-<br />

Ti Ti gansxvavebuli gansxvavebuli tipis tipis tipis qveynebi qveynebi Se-<br />

Se-<br />

Zleben Zleben didxans didxans TanamSromlobasa TanamSromlobasa da<br />

da<br />

megobrobas?<br />

megobrobas?<br />

- postsabWoTa sivrce sakmaod Wrelia,<br />

Tavisi rogorc demokratiuli,<br />

aseve ekonomikuri ganviTarebis tempebiT.<br />

es qveynebi, ra Tqma unda, gansxvavdebian.<br />

magaliTad moldova, Tavis<br />

droze man neitraluri statusi ar-<br />

Cia da es konstituciaSic daafiqsira<br />

Sesabamisi CanaweriT, rac Seexeba<br />

ukrainas da saqarTvelos, isini aqtiurad<br />

miiswrafvian natos wevrobisken<br />

da ukve mapis kandidatebic arian, aseve<br />

aqtiurad acxadebs Tavis survils iyos<br />

natos integrirebul aliansSi azerbaijani,<br />

Tumca mas jer kidev bevri<br />

ram aqvs amisaTvis gasakeTebeli. ase rom,<br />

Tavisi ganviTarebis tempebiT, sxvadasxva<br />

mimarTulebebiT isini, ra Tqma unda,<br />

gansxvavebulad moZraoben, magram maT<br />

mainc saerTo strategiuli miznebi<br />

gaaCniaT da maT sruli safuZveli aqvT<br />

imisa, rom iTanamSromlon am miznebis<br />

misaRwevad.<br />

- - - arsebobs arsebobs mosazreba, mosazreba, rom rom sua- sua- sua- suamis<br />

mis mis tipis tipis tipis anu anu anu patara patara patara saxelmwifoTa<br />

saxelmwifoTa<br />

saxelmwifoTa<br />

gaerTianeba, gaerTianeba, gaerTianeba, ver ver arsebobs arsebobs didi,<br />

didi,<br />

Zlieri Zlieri Zlieri qveynis qveynis mxardaWeris mxardaWeris gareSe.<br />

gareSe.<br />

Tu Tu am am mosazrebas mosazrebas daveyrdnobiT, daveyrdnobiT, ma-<br />

ma-<br />

Sin Sin vin vin mfarvelobs mfarvelobs suams?<br />

suams?<br />

- suamma daamtkica, rom es mosazreba<br />

mTlad koreqtuli ar aris.<br />

suams aqvs mxardaWera, magarm es gaer-<br />

Tianeba am mxardaWeris gareSec axerexebs<br />

sakiTxebis mogvarebas. imitom,<br />

rom mTavaria is problemebi,<br />

romelTa mogvarebisTvisac Tavs iyrian<br />

es saxelmwifoebi, iyos aqtualuri,<br />

marTlac mniSvnelovani da<br />

arsebobdes politikuri neba am sakiTxebis<br />

mogvarebaSi urTierTmxardaWerisa.<br />

maSin aseTi TanamSromloba<br />

gamodis. suami erT-erTi aseTi magaliTia,<br />

roca SedarebiT axali wevrebi<br />

saerTaSoriso Tanamegobrobis anu<br />

saxelmwifoebi, romlebic sul axlaxans<br />

gamoCndnen saerTaSoriso<br />

arenaze, romelTac arc gamocdileba<br />

gaaCndaT, arc gansakuTerbuli<br />

ekonomikuri potenciali da sawyis<br />

etapze ganaskuTrebiT sustni iyvnen,<br />

rogorc politikurad, ise ekonom-<br />

saudis arabeTma<br />

navTobis mopovebis<br />

yoveldRiuri<br />

moculoba<br />

gazarda<br />

15<br />

ikurad da samxedro Tvalsazrisi-<br />

Tac, axerxeben TavianTi miznis miRwevas,<br />

maSin, roca solidaroba da<br />

urTierTmxardaWera efeqturad xorcieldeba.<br />

- - ra ra sar<strong>ge</strong>bels sar<strong>ge</strong>bels iRebs iRebs iRebs saqarTve- saqarTve- saqarTve-<br />

lo lo suamis suamis suamis wevrobiT?<br />

wevrobiT?<br />

- upirveles yovlisa, es aris sando<br />

da vfiqrob, sakmarisad efeqturi<br />

sistema mokavSireobisa. saqarTvelos<br />

suamis wevri saxelmwifoebis saxiT<br />

hyavs mokavSireebi, romelTa mxardaWeris<br />

imedi mas SeiZleba hqondes ser-<br />

TaSoriso arenaze yvela sakiTxis ganxilvisas.<br />

gaeros <strong>ge</strong>neralur asambleaze,<br />

araerT Sekrebaze, saerTaSoriso<br />

forumze, suami gamodis erTiani<br />

poziciiT, rac bevrad ufro angariSgasawevia,<br />

vidre erTi calkeuli saxelmwifos<br />

damoukidebeli gancxadeba.<br />

suamma marTlac seriozuli samsaxuri<br />

gauwia saqraTvelos saxelmwifoebriv<br />

mSeneblobasa da saerTaSoriso<br />

arenaze sakuTari adgilis mopoveba-<br />

Si. gamokveTili ekonomikuri dRis<br />

wesrigi ukanasknel periodamde mas ar<br />

hqonda, ZiriTadi sfero, romelSic<br />

isini TanamSromloben, es aris usafrTxoebis<br />

sfero da misi iseTi aspeqtebi,<br />

romelic ukavSirdeboda, e.w.,<br />

Tanamedrove gamowvevebs, organizebul<br />

danaSauls, kontrabandas, masobrivi<br />

ganadgurebis iaraRis winaaRmdeg<br />

brZolas, sasazRvro dacvis samasxuris<br />

TanamSromlobas, sabaJo samsaxurebs<br />

Soris TanamSromlobas. am TanamSromlobis<br />

Sedegad saqarTvelom efeqturad,<br />

marTalia didi ZalisxmeviT,<br />

magram mainc moaxerxa ucxouri baze-<br />

``am ``am etapze etapze suami suami suami swored swored is is organizaciaa, organizaciaa, romelic<br />

romelic<br />

saqarTvelos saqarTvelos interesebs interesebs emsaxureba emsaxureba da da masTan<br />

masTan<br />

TanamSromlobis TanamSromlobis TanamSromlobis ufro ufro gaRrmavebac gaRrmavebac swored<br />

swored<br />

saqarTvelos saqarTvelos interesebSia``<br />

interesebSia``<br />

bis gayvana. SemiZlia vamtkico, rom<br />

am procesSi Tavisi roli iTamaSa im<br />

mxardaWeram, romelic saerTaSoriso<br />

arenaze saqarTvelos suamis mxridan<br />

hqonada. jerjerobiT es miznebi<br />

sruldeba da am etapze suami swored<br />

is organizaciaa, romelic saqarTvelos<br />

interesebs emsaxureba da masTan<br />

TanamSromlobis ufro gaRrmavebac<br />

swored saqarTvelos interesebSia. Cven<br />

migvaCnia, rom konkretulad saqarTvelos<br />

da aseve sxva wevrebis interesebSia,<br />

rom am organizaciam iarsebos<br />

da mis farglebSi TanamSromlobac<br />

kidev ufro gaRrmavdes.<br />

mariam mariam CitiSvili<br />

CitiSvili<br />

saudis arabeTma navTobis mopovebis yoveld-<br />

Riuri moculoba 9,7 mln. barelamde gazarda,<br />

amis Sesaxeb informacias `al-arabia~ avrcelebs.<br />

saagntos informaciiT, saudis arabeTi samomavlod<br />

damatebiTi moTxovnilebis dakmayofilebasac<br />

<strong>ge</strong>gmavs.<br />

amasTanave saudis arabeTis mefe<br />

abdala ben abdeli gamovida iniciativiT<br />

gamoyos 1 mlrd. aSS dolari<br />

OPEC-is qveynebis saerTaSoriso ganviTarebis<br />

fondisTvis, romelic ganviTarebadi<br />

qveynebisTvis gaicema da<br />

agreTve gamoyos dabalprocentiani<br />

sesxi 500 mln. aSS dolaris odenobiT<br />

am qveynebSi `ener<strong>ge</strong>tikuli<br />

proeqtebis~ gansaxorcieleblad.<br />

abdalam mouwoda saerTaSoriso bankebs axlo momavalSi moawyon donori qveynebis konferencia am proeqtis<br />

ganxorcielebis mizniT.<br />

msgavs saerTaSoriso konferenciebSi, romlebic saudis arabeTis iniciativiT xorcieldeba, 35 qveynis 25<br />

msxvili navTobkompania Rebulobs monawileobas.

---

#159<br />

ivnisi<br />

ivnisi<br />

- - ra ra siaxleebs siaxleebs sTavazobs sTavazobs sTavazobs baza- bazabaza- leTis leTis tbis tbis sastumro sastumro sastumro damsvenebels<br />

damsvenebels<br />

damsvenebels<br />

am am am sezonze?<br />

sezonze?<br />

- upirveles yovlisa, minda<br />

aRvniSno, rom bazaleTis tbis sas-<br />

tumros gaxsna srulad jer ar momxdara<br />

da igi ivlisisTvis i<strong>ge</strong>gmeba,<br />

rac axali simZlavreebis CarTvas-<br />

Tanaa dakavSirebuli. siaxleebSi<br />

vgulisxmob Ria sacurao auzs, Ramis<br />

gasarTob klubs, sadac baric<br />

ifunqcionirebs da aseve yoveldRiur<br />

gasarTob programas. magaliTad,<br />

yovel orSabaTs iqneba qalaquri<br />

musikis an jazis saRamo. dasvenebisa<br />

da ubralod, garTobis msurveli,<br />

romelic ama Tu im dRes amova,<br />

ecodineba winaswar ra programas<br />

daeswreba. am sezonze ifunqcionirebs<br />

aseve sabiliardo, <strong>ge</strong>gmaSi gvaqvs<br />

eleqtronuli kazinos amoqmede-<br />

bac. rac Seexeba sacxovrebel farTs,<br />

Cven SarSan ukve mzad viyaviT daaxloebiT<br />

600 adamianis misaRebad,<br />

wels 800-mde damsvenebeli Segvi-<br />

Zlia miviRoT. minda giTxraT, rom<br />

simZlavreebi kidev gaizrdeba. oTxi<br />

Senoba, romelic vizualurad ukve<br />

kargad gamoiyureba, am zafxulisTvis<br />

ver moeswreba, Tumca momavali sezonisTvis<br />

ukve mzad iqneba. mniSvnelovnad<br />

gavaumjobeseT plaJis<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

bazaleTis tba - savane TbilisTan axlos<br />

zafxulis dadgomasTan erTad fiqri imaze, Tu sad SeiZleba gaveqceT Tbilisis momqancvel sicxesa da xvats, sul ufro aqtualuri<br />

xdeba. dasasvenebeli adgili bevria, Tumca saukeTesos amorCeva mainc Wirs. mraval faqtorTan erTad mxedvelobaSi misaRebia erTi,<br />

yvelaze mTavari - Cveni finansuri SesaZleblobebis gaTvaliswinebiT maqsimalurad kargad davisvenoT da gaverToT. TbilisTan axlomdebare<br />

dasasvenebel adgilTagan erT-erTi savane bazaleTia, romelic sul ufro da ufro met komforts sTavazobs iq dasvenebis<br />

msurvelebs. gvesaubreba bazaleTis tbis dasasvenebeli kompleqsis <strong>ge</strong>neraluri menejeri maia margvelaSvili.<br />

bazaleTis bazaleTis tbis tbis dasasvenebeli dasasvenebeli kompleqsi<br />

kompleqsi<br />

afxazur kurortebze moTxovna<br />

ruseTSi 30 procentiT Semcirda<br />

afxazur kurortebze dasvenebaze moTxovna ruseTSi 30%-iT Semcirda,<br />

rac afxazeTSi turistuli sagzurebis realizatorma TiTqmis yvela turoperatorma<br />

daadastura, - wers `nezavisimaia gazeta~.<br />

moTxovnis Semcirebas turistuli industriis warmomad<strong>ge</strong>nelbi afxazeTis<br />

konfliqtis zonaSi arastabiluri politikuri viTarebiT xsnian.<br />

tur-operatorebma moTxovnis dacemis sapasuxod turistul sagzurebze<br />

fasebis Semcireba daiwyes. rusul gazeTs afxazeTis de-faqto prezidentis<br />

mrCevelma eduard Sambam ganucxada, rom afxazeTSi zafxulis sezonze<br />

ufro meti raodenobis turists elodebodnen ruseTidan, Tumca<br />

maTi nawili afxazeTSi gamgzavrebas negatiuri informaciis gaJRerebis<br />

gamo aridebs Tavs.<br />

eduard Sambas ganmartebiT, afxazeTSi dasvenebis Rirebuleba izrdeba<br />

- wels fasebi 20%-iT maRali iqneba gasul welTan SedarebiT.<br />

saqarTvelos mTavrobis sarezervo fondidan<br />

fulad premiebze 24 800 lari gamoiyo<br />

saqarTvelos saxelmwifo jildoebisaTvis dawesebuli erTdrouli<br />

fuladi premiebis gasacemad saqarTvelos mTavrobis sarezervo fondidan<br />

24 800 lari gamoiyo.<br />

finansTa saministros informaciiT, am Tanxidan 2 400 lari ekonomikuri<br />

ganviTarebis saministros gadaericxa; aseve 2 400 lari miiRo ganaTlebisa<br />

da mecnierebis saministrom; kulturis, ZeglTa dacvisa da sportis saministro<br />

- 1 800 lari; Sinagan saqmeTa saministro - 7 000 lari; Tavdacvis<br />

saministro - 1 400 lari;<br />

Sromis janmrTelobisa da socialuri dacvis saministros saxelmwifo<br />

saqveuwyebo dawesebulebas (veteranTa saqmeebis departamenti) - 7 600 lari;<br />

Sromis janmrTelobisa da socialuri dacvis saministro - 1 200 lari;<br />

soflis meurneobis saministro - 600 lari; saxelmwifo dacvis specialur<br />

samsaxuri - 400 lari.<br />

turindustria<br />

keTilmowyobac, romelic SarSan<br />

ukve funqcionirebda. iq dRis man-<br />

Zilze imuSavebs bari, sadac damsvenebels<br />

SeeZleba miirTvas yava,<br />

ludi, tkbileuli da a. S.<br />

- - ramdenad ramdenad xelmisawvdomia xelmisawvdomia ba- babazaleTiszaleTis tbis tbis sastumro sastumro Cveni Cveni momo-<br />

saxleobisTvis? saxleobisTvis? rogori rogori tarifebi tarifebi<br />

tarifebi<br />

gaqvT, gaqvT, ra ra Rirs Rirs erTi erTi erTi Rame?<br />

Rame?<br />

- minda giTxraT, rom wels sakmaod<br />

kargi fasdaklebebi gvaqvs. nomeri<br />

erTi adamianisaTvis 60 dolaris<br />

ekvivalentia larebSi. vfiqrob,<br />

rom es sulac ar aris Zviri. nomeri<br />

2 adamianze 120 dolari jdeba. aseve,<br />

minda aRvniSno, rom sagzuris fasi<br />

saqarTvelos ekonomikuri ganvi-<br />

Tarebis saministroSi `saqarTvelos<br />

mTavrobasa da somxeTis respublikis<br />

mTavrobas Soris sahaero mimosvlis<br />

Sesaxeb~ axali SeTanxmeba paraskevs<br />

gaformda.<br />

saqarTvelos mTavrobis saxeliT<br />

SeTanxmebas ekonomikuri ganviTare-<br />

ar gulisxmobs mxolod<br />

Ramis gaTevis<br />

safasurs, aramed mas-<br />

Si Sedis samjeradi<br />

kveba, Ria auzi, sawylosno<br />

gasarTobebi<br />

(wylis velosipedebi,<br />

navebi, ialqniani iaxtebi).<br />

Cven vcdilobT,<br />

rom adamianma, romelic<br />

sastumros teritoriaze<br />

Semova,<br />

fuli ar unda daxarjos<br />

zedmetad. garda<br />

damatebiTi gasar-<br />

Tobebisa, rogoricaa<br />

magaliTad, Ramis<br />

klubi, yvelaferi sagzuris<br />

fasSi Sedis.<br />

- - - bazaleTis bazaleTis tbis<br />

tbis<br />

kompleqsSi kompleqsSi xSirad xSirad imarTeba imarTeba xolme xolme<br />

xolme<br />

konferenciebi konferenciebi konferenciebi da da seminarebi. seminarebi. es<br />

es<br />

albaT, albaT, Semosavlis Semosavlis miRebis miRebis erT-erTi<br />

erT-erTi<br />

wyaroa.wyaroa. ramdenadaa ramdenadaa moTxovna moTxovna am am mommom-<br />

saxurebaze, saxurebaze, imis imis gaTvaliswinebiT,<br />

gaTvaliswinebiT,<br />

romrom dedaqalaqidan dedaqalaqidan moSorebiTaa moSorebiTaa moSorebiTaa koko-<br />

mpleqsi?<br />

mpleqsi?<br />

- konferenciebi da seminarebi<br />

CvenTvis klienturis mozidvis damatebiTi<br />

saSualebaa. konferenciebi<br />

da seminarebi, bunebrivia, aris Semosavlis<br />

wyaro, romelic e.w. mkvdari<br />

sezonis Semosavalia. am gazafxulze<br />

konferencia-seminarebiT srulad<br />

viyaviT datvirTuli. aseTi<br />

RonisZiebebis CvenTan Catarebis survils,<br />

albaT, is faqtori ganapirobebs,<br />

rom dRes TbilisSi ar aris<br />

iseTi sakonferencio centri, romelic<br />

bevr xalxs itevs da iqve uzrunvelyofs<br />

RonisZiebis monawileTa<br />

RamiT darCenasac. gansakuTrebiT<br />

saerTaSoriso konferenciebis dros,<br />

romelSic ucxoelebic monawileoben<br />

da bunebrivia, maT Ramis gaTevac<br />

sWirdebaT. am mxriv organizatorebisTvis<br />

bazaleTis tbis sastumro<br />

saqarTvelos mTavrobis iniciativiT, sabrende Rvinoebis warmoebis wesebi martivdeba.<br />

cvlilebebi `vazisa da Rvinis~ Sesaxeb kanonSi Sedis. kanonproeqti parlamentis<br />

agrarul sakiTxTa komitetSi paraskevs pirveli mosmeniT ganixiles.<br />

cvlilebebi moqmedi kanonis 27-e muxlSi Sedis, romlis mixedviTac Rvinis<br />

brendis damzadeba SesaZlebeli iqneba muxis kasrebSi, mominaqrebul<br />

avzSi Cawyobil, gaaqtiurebul, an gauaqtiurebel muxis tkeCebze<br />

aranakleb 3-wliani davar<strong>ge</strong>bis msgavsi sabrende spirtebisgan.<br />

moqmedi kanonmdeblobiT, Rvinis brendis damzadeba Sesa-<br />

Zlebelia mxolod 3, an meti wlis sabrende spirtisagan. soflis<br />

meurneobis ministris bakur kvezerelis gancxadebiT, cvlilebebi<br />

alkoholuri sasmelebis mwarmoeblebs xels Seuwyobs<br />

Rvinis brendebis damzadebaSi da biznesis ganviTarebaSi.<br />

garda amisa, TiToeul Rvinis brends unda hqondes sakuTari<br />

dasaxelebebi da Rvinis brendis etiketze miTiTebuli unda iyos<br />

sabrende spirtis davar<strong>ge</strong>bis asaki. amasTan, uqmdeba 30-e muxli,<br />

romelic kompanias avaldebulebda adgilwarmoSobis Rvinis<br />

adgilze warmoebas.<br />

16<br />

,,wels 800-mde<br />

damsveneblis<br />

miRebas SevZlebT~<br />

metad xelsayrelia. Tanac is arc ise<br />

Sorsaa Tbilisidan da gzac Zalian<br />

komfortulia.<br />

- - - gaixsna gaixsna Tu Tu Tu ara ara sazafxuli sazafxuli sazafxuli se- sese- zoni zoni bazaleTze bazaleTze da da gyavT gyavT Tu Tu ara ara<br />

ara<br />

damsveneblebi?<br />

damsveneblebi?<br />

- plaJi, jerjerobiT, amindebidan<br />

gamomdinare, arcTu ise datvirTulia.<br />

nomrebis dajavSna ukve daiwyo,<br />

ufro metad konferenciebisTvis.<br />

damsveneblebis simravles ivlis-agvistoSi<br />

velodebiT.<br />

- - rogoria rogoria dasasvenebali dasasvenebali ko- kokompleqsismpleqsis samomavlo samomavlo <strong>ge</strong>gmebi, <strong>ge</strong>gmebi, ra ra siaxsiax-<br />

leebs leebs sTavazobT sTavazobT sazogadoebasa sazogadoebasa da<br />

da<br />

Tqvens Tqvens klientebs? klientebs?<br />

klientebs?<br />

- samomavlod Cven mraval<br />

siaxles v<strong>ge</strong>gmavT da amas reklamebi-<br />

Tac gavaxmaurebT. erTi, rac Semi-<br />

Zlia giTxraT, aris is, rom vapirebT<br />

kidev ori, bazaletis tipis sastumro<br />

kompleqsis aSenebas kalasa da<br />

sololakSi, romelTa sruli saxelwodebebic<br />

jer ar vici da romlebic<br />

bazaleTis sastumrosTan erTad<br />

garkveul jaWvs Seqmnian.<br />

qeTevan qeTevan ananeiSvili<br />

ananeiSvili<br />

saqarTvelosa da somxeTs Soris sahaero<br />

mimosvlis Sesaxeb SeTanxmeba gaformda<br />

bis ministrma ekaterine SaraSiZem,<br />

xolo somxeTis respublikis mTavrobis<br />

saxeliT - somxeTis respublikis<br />

mTavrobasTan arsebuli samoqalaqo<br />

aviaciis <strong>ge</strong>neralurma direqtorma<br />

artiom movsesianma moaweres xeli.<br />

SeTanxmebis mixedviT moixsneba<br />

SezRudvebi tarifebis, tevadobisa da<br />

frenebis sixSiris dad<strong>ge</strong>nasTan dakav-<br />

SirebiT da aviakompaniebs miecemaT<br />

ufleba sahaero mimosvla ganaxorcielon<br />

qveynebis teritoriaze arsebul<br />

nebismier punqtebs Soris,<br />

saidanac xorcieldeba (SeiZleba ganxorcieldes)<br />

saerTaSoriso sahaero<br />

mimosvla.<br />

mTavrobis iniciativiT sabrende<br />

Rvinoebis warmoebis wesebi martivdeba

---

#159<br />

ivnisi<br />

ivnisi<br />

dRes, iseve rogorc danarCen msoflioSi, saqarTveloSic mkurnalobis aTasgvari<br />

meTodi arsebobs, magram sarwmuno maTgan cota Tua. didi sifrTxilea<br />

saWiro, radgan Zalian momravldnen eqimbaSebi da aTasi juris mkurnalebi. yvela<br />

eqimobas ibralebs da pacientebs iseT dapirebebs aZleven, rac realobasTan<br />

Zalian Sorsaa. amasTan sakmaod solidur Tanxasac axdevineben da Sedegi Tqvenc<br />

kargad mo<strong>ge</strong>xsenebaT... motyuebuli pacienti da gamdidrebuli eqimbaSi.<br />

saqarTveloSi aratradiciuli mkurnalobis meTodebi mravali welia arsebobs.<br />

uamravi adamiani gankurnebula maTi saSualebiT da qirurgiuli Careva aRar<br />

gamxdara saWiro. sayuradRebo da mniSvnelovania isic, rom amgvari mkurnaloba<br />

gacilebiT ufro iafi jdeba da TiTqmis yvela fenisTvis aris xelmisawvdomi.<br />

TbilisSi vaJa-fSavelas prospeqtze mdebare pirveli poliklinikis mesame<br />

sarTulze yoveldRiurad uamravi adamiani moTminebiT dgas rigSi,<br />

isini profesor daviT vaSaZis pacientebi arian, romelic erT-erTi sakmaod<br />

warmatebuli fitoTerapevtia saqarTveloSi da ukve 16 welia am profesias<br />

emsaxureba. gTavazobT intervius cnobil fitoTerapevtTan.<br />

- - raSi raSi mdgomareobs mdgomareobs fitoTerapi-<br />

fitoTerapifitoTerapiisis<br />

arsi arsi da da rogoria rogoria am am meTodiT meTodiT mkurmkur-<br />

nalobis nalobis kursi, kursi, anu anu rogori rogori tipis tipis<br />

tipis<br />

mkurnalobasTan mkurnalobasTan gvaqvs gvaqvs saqme?<br />

saqme?<br />

- fitoTerapia es aris monoTerapia.<br />

am SemTxvevaSi aucilebelia eqimi<br />

iyos samedicino ganaTlebis mqone,<br />

- fisqologiur problemebTan<br />

gamklaveba profesionalebis daxmarebiT<br />

Tanamedrove cxovrebaSi ufro da<br />

ufro aqtualuri xdeba. sazogadoebisTvis<br />

ukve saWiro gaxda aseTi centris<br />

arseboba. Cven fsiqolo<strong>ge</strong>bma, vinc<br />

davaarseT es cnetri, realurad davinaxeT<br />

amis saWiroeba. sabazro ekonomikis<br />

enaze rom vTqvaT, gaCnda moTxovnac da<br />

moTxovnilebac. sabWour sivrceSi<br />

fsiqologiuri konsultaciebi ufro<br />

naklebad iyo, amgavri muSaoba fsiqologisTvis<br />

fufunebac ki iyo. dRes ukve,<br />

samwuxarod, unda iTqvas, rom amis aucilebloba<br />

Seiqmna. samwuxarod, imitom,<br />

rom problemebi Tavad epoqam moitana<br />

da is umeteswilad socilauri foniT<br />

aris gamowveuli. romelzedac xSirad<br />

mibmulia ojaxuri problemebi, garda<br />

amisa, aRzrdis, sazogadoebaSi damkvidrebisa<br />

da sxva problemebi.<br />

- - - ras ras sTavazobs sTavazobs Tqveni Tqveni centri<br />

centri<br />

sazogadoebas?<br />

sazogadoebas?<br />

- klientebs vTavazobT sxvadasxva<br />

saxis konsultaciebsa da trenin<strong>ge</strong>bs.<br />

romelic Sinagan sneulebebSi ise unda<br />

erkveodes, rogorc Cveulebrivi Terapevti.<br />

am meTodiT mkurnalobisas aucilebelia<br />

preparatis individualuri<br />

SerCeva mcenareebis qimiuri Semcvelobis<br />

mixedviT. samkurnalo mcenareebiT<br />

bioqimiis instituti gvamara<strong>ge</strong>bs, maT<br />

ra Tqma unda, klienti roca modis<br />

fsiqologTan, fsiqologi mis yofas ver<br />

Secvlis. magram Cven mas vexmarebiT, rom<br />

Tavi daimkvidros im sinamdvileSi,<br />

romelSic mas gauWirda, anu fsiqologi<br />

maT alternativis SesaZleblobebs<br />

sTavazobs. fsiqologiuri konsultacia<br />

ar niSnavs rCevis micemas. es niSnavs<br />

imas, rom realuri resursebis safuZvelze<br />

gaCndes alternativebi. ai, am<br />

resursebis manifestacia rom moaxdinos<br />

klientma, es aris fsiqologis profesionalzimi.<br />

- - ZiriTadad ZiriTadad ZiriTadad ra ra saxis<br />

saxis<br />

fsiqologiurifsiqologiuri problemebia problemebia aqtuaqtu-<br />

aluri?<br />

aluri?<br />

- es aris ojaxuri problemebi<br />

col-qmars, deda-Svils, rZaldedamTils<br />

Soris. gansakuTrebiT aqtualuri<br />

gaxda mozardebis problema<br />

ojaxSi. rodesac am problemiT CvenTan<br />

modian, Cven maT trenin<strong>ge</strong>bis kurss<br />

vutarebT. arsebobs efeqturi treningis<br />

kursi mSoblisTvis, sadac mSobels<br />

aswavlian bavSvTan saerTo enis<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

17<br />

fitoTerapia -<br />

alternatiuli medicina<br />

`balaxebiT `balaxebiT `balaxebiT yvelafris yvelafris mkurnaloba mkurnaloba SeuZlebelia~<br />

SeuZlebelia~<br />

zustad ician, rodis ra mcenare unda<br />

daikrifos da rac mTavaria, maT mier<br />

mowodebuli mcenareebi xarisxiania.<br />

mkurnalobis meTodika Semdegnairia:<br />

pirvel rigSi xdeba gasaubreba pacient-<br />

Tan, analizebis gadaxedva da rac Sei-<br />

Zleba meti informaciis mopoveba. Semdeg<br />

ukve irCeva medikamenti. fitoTerapia<br />

ar aris damoukidebeli da ganyenebuli.<br />

igi ar gamoricxavs parale-<br />

lurad wamlebiT mkurnalobasac. balaxebiT<br />

yvelafris mkurnaloba SeuZlebelia,<br />

amitom, Tuki amis saSualebas<br />

iZleva daavadeba da pacientis mdgomareoba,<br />

qimiuri medikamentebis Canacvleba<br />

mcenareuliT xdeba. fitoTerapiis<br />

efeqti da dadebiTi mxare imaSi mdgomareobs,<br />

rom mcenareTa mravalferovneba<br />

kombinirebulad axdens ramdenime<br />

problemis mogvarebas.<br />

- - - aqvT aqvT Tu Tu ara ara mcenareebs mcenareebs mcenareebs uku-<br />

uku-<br />

Cveneba?<br />

Cveneba?<br />

- Tu pacientisTvis esa Tu is mcenre<br />

ar iqna sworad SerCeuli, ukuCveneba<br />

aucileblad eqneba. mcdaria is mosazreba,<br />

rom mcenare arafers ar vnebs.<br />

- - aris aris Tu Tu ara ara SemTxevebi, SemTxevebi, rode- rode- rode- rode- rode-<br />

sac sac Tqveni Tqveni mkurnalobis mkurnalobis meTodebi<br />

meTodebi<br />

uZluriauZluria daavadebasTan daavadebasTan sabrZolvesabrZolve-<br />

lad?<br />

lad?<br />

- aris SemTxvevebi, rodesac aucilebeli<br />

qirurgiuli Carevaa saWiro da<br />

daavadeeba mkurnalobas aRar eqve-<br />

gamonaxvas da mozardTan laparaks. kursi<br />

exmareba mSobels da rac mTavaria bavSvs<br />

daZabulobisgan ganTavisuflebaSi. Cveni<br />

yvela konsultaciis mTavari mizani is<br />

aris, rom Cvenma klientma, Tavisi<br />

resursebidan gamomdinare, Tavisi mniSvneloba<br />

SeigrZnos.<br />

- - ra ra saxis saxis trenin<strong>ge</strong>bi trenin<strong>ge</strong>bi gaqvT gaqvT<br />

gaqvT<br />

mozardebisTvis?<br />

mozardebisTvis?<br />

mozardebisTvis gvaqvs biblioTerapiis<br />

treningi. es treningi gaTvaliswinebulia<br />

skolis asakis bavSvebisTvis.<br />

biblioTerapiis dros xdeba<br />

fsiqologiuri koreqcia, codnis miReba,<br />

TviTSefaseba. vcdilobT mozardebis<br />

Rirebulebebis sworad Camoyalibebas.<br />

vmuSaobT aseve skolamdeli asakis bavSvebTanac.<br />

gvaqvs gasvliTi trenin<strong>ge</strong>bic.<br />

mozardebisgan dakompleqtebuli miznobrivi<br />

jgufebi gagvyavs qalaqgareT,<br />

sxvadasxva istoriul adgilebSi da SemecnebiTi<br />

procesebis paralelurad<br />

fsiqologiuri TamaSebiT vaxdenT<br />

fsiqokoreqcias. jgufSi muSaobas war-<br />

mdebareba, xolo drois tyuilad<br />

dakargva ar Rirs.<br />

- - aris aris Tu Tu ara ara iseTi iseTi daavadebebi,<br />

daavadebebi,<br />

romelTac romelTac romelTac saerTod saerTod ver ver kurnavT?<br />

kurnavT?<br />

- diax, aseTebi sakmaod bevria. magaliTad<br />

Saqriani diabeti, Cven mxolod<br />

Saqris regulirebas vuwyobT xels.<br />

mkurnalobis kurss onkologiuri pacientebic<br />

ar eqvemdebarebian.<br />

- - Tqveni Tqveni Tqveni praqtikidan praqtikidan gamomdinare, gamomdinare,<br />

gamomdinare,<br />

``Tu ``Tu ``Tu pacientisTvis pacientisTvis esa esa esa Tu Tu is is is mcenare mcenare ar ar iqna<br />

iqna<br />

sworad sworad SerCeuli, SerCeuli, ukuCveneba ukuCveneba ukuCveneba aucileblad aucileblad eqneba.<br />

eqneba.<br />

mcdaria mcdaria is is mosazreba, mosazreba, rom rom mcenare mcenare arafers arafers ar ar vnebs``<br />

vnebs``<br />

Tu Tu SeiZleba SeiZleba gviTxariT, gviTxariT, ra ra daavadebe- daavadebedaavadebe- bia bia yvelaze yvelaze metd metd gavrcelebuli gavrcelebuli da<br />

da<br />

ra ra ra aris aris amis amis amis gamomwvevi gamomwvevi mizezi?<br />

mizezi?<br />

- am bolo dros msoflioSi gax-<br />

Sirda nervozuli da alergiuli fonebi.<br />

aseve Zalian sagangaSoa kvebiT dabinZurebuli<br />

organizmi, risi mizezic<br />

bazarze uxarisxo da konservatorebiT<br />

gaJRenTili produqtia. is tkbileuloba,<br />

romelsac bavSvebi <strong>ge</strong>mrielad miirTmeven,<br />

saRebavebiT aris damzadebuli,<br />

raSic martivad SegviZlia davrwmundeT,<br />

rodesac bavSvis enas vnaxavT.<br />

adamianis organizms SeuZlia moinelos<br />

is, rac mas miesada<strong>ge</strong>ba, bostneuli, xili,<br />

xorceuli, cilovani produqti, alkoholi,<br />

xolo saRebavebis da qimiuri<br />

,,fsiqologiuri problemebi socialuri foniT aris gamowveuli~<br />

`Cvens `Cvens klientTa klientTa klientTa Soris Soris Soris Zalian Zalian bevri bevri bevri warmatebuli warmatebuli politikosia~<br />

politikosia~<br />

politikosia~<br />

saqarTveloSi fsiqologiur konsultaciebs arc Tu ise xSirad mimarTavdnen. sazogadoebis umravlesoba Tvlida, rom<br />

sakuTar TavTan da sakuTar fsiqologiur problemebTan Tavad SeeZlo gamklaveba. ra saWiroa fsiqolgTan vizitebi,<br />

rodesac Sens problemebze SegiZlia daelaparako megobars, das, Zmas, axlobel adamians. swored aseTi principebiT<br />

xelmZRvanelobda Cveni Tanamoqalaqeebi arc Tu ise didi xnis win. magram dResdReobiT situacia Seicvala da fsiqolo<strong>ge</strong>bis<br />

konsultaciebiT ukve uamravi adamiani sar<strong>ge</strong>blobs. sazogadoebam igrZno amis aucilebloba da dasaxmareblad<br />

profesinalebs mimarTa. sul cota xnis win ki TbilisSi fsiqologiuri konsultaciebisa da trenin<strong>ge</strong>bis centri gaixsna.<br />

centis saqmianobis Sesaxeb misi xelmZRvaneli, fsiqologi nana CaCua gvesaubra.<br />

``fsiqologi ``fsiqologi adamians adamians exmareba exmareba Tavi Tavi daimkvidros<br />

daimkvidros<br />

im im sinamdvileSi, sinamdvileSi, romelSic romelSic mas mas gauWirda gauWirda gauWirda yofa``<br />

yofa``<br />

jandacva<br />

``ucodinrobis ``ucodinrobis gamo gamo qalaqSi qalaqSi gaiCexa gaiCexa gaiCexa Wadari,<br />

Wadari,<br />

romelic romelic ikavebs ikavebs msoflioSi msoflioSi yvelaze yvelaze met met toqsins toqsins da<br />

da<br />

mtvers``<br />

mtvers``<br />

marTavs erTi fsiqologi, erTi<br />

filologi, ori istorikosi da erTi<br />

sasuliero piri. mozardebi sami-oTxi<br />

dRis ganmavlobaSi icxovreben saWiroebisamebr<br />

an sastumroSi an karvebSi,<br />

jgufs axlavs eqimic.<br />

garda amisa, Cveni centri sazogadoebas<br />

efeqturi komunikaciis trenin<strong>ge</strong>bsac<br />

sTavazobs, romelic gaTvaliswinebulia<br />

rogorc xelmZRavneli<br />

muSakebisTvis, aseve momsaxurebis sfer-<br />

``Cveni ``Cveni yvela yvela konsultaciis konsultaciis mTavari mTavari mizani mizani is is<br />

is<br />

aris, aris, rom rom rom Cvenma Cvenma klientma, klientma, Tavisi Tavisi resursebidan<br />

resursebidan<br />

gamomdinare, gamomdinare, Tavisi Tavisi mniSvneloba mniSvneloba SeigrZnos``<br />

SeigrZnos``<br />

oSi momuSave adamienibisTvis. gvaqvs<br />

lideris treningi, sajaro gamosvlebis<br />

xelovnebis dauflebis treningi (Cacma,<br />

Jestikulacia, manerebi da a. S.). aris<br />

iseTi trenin<strong>ge</strong>bi, romelic gankuTvnilia<br />

specifiuri profesiebis mqone adamienbisTvis,<br />

magaliTad mosamarTleebisTvis,<br />

eqimebisTvis. visac mniSvnelo-<br />

danamatebis mosanelebeli fermentebi<br />

adamians ar gaaCnia, es yvelaferi grovdeba<br />

organizmSi, rac Semdeg simsivnur<br />

gadagvarebas iwvevs, xolo amis ioli<br />

forma alergiaa, saxis kanis, Tmis, frCxilebis<br />

gafuWeba.<br />

- - rogor rogor arCevT arCevT mcenareebs mcenareebs sxva- sxvasxva- dasxva dasxva daavadebebisTvis daavadebebisTvis da da ramdenad<br />

ramdenad<br />

xSirad xSirad iyenebT iyenebT erTi erTi da da imave imave mcenares?<br />

mcenares?<br />

- qarTuli flora sakmaod mdidaria.<br />

300-mde dasaxelebis mcenarea, magram<br />

yoveldRiurad daaxloebiT 50 maTgani<br />

Tu gamoiyeneba. xdeba maTi kombinaciebi<br />

da Semdeg eniSneba pacients. mcenareebi,<br />

romlebic gamoiyeneboda alergiaze da<br />

dezintokaciaze 10 wlis win ixarjeboda<br />

Zalian mcire raodenobiT, xolo<br />

bolo 2 welSi maTi gamoyenebadoba sakmaod<br />

gaizarda, radgan yovel meore adamians<br />

alergia awuxebs. dRes mcenareebi<br />

ukve tomriT midevs, rom sakmarisi iyos<br />

yvelasTvis mTeli dRis ganmavlobaSi.<br />

amis mizezi, rogorc zemoT aRvniSne,<br />

dabinZurebuli garemo da sakvebiT<br />

mowamvla gaxlavT. erTi manqana weliwadSi<br />

8 kilogram saburavis mtvers yris,<br />

amas emateba gamonabolqvic, am yvelafers<br />

daerTo isic, rom ucodinrobis gamo<br />

qalaqSi gaiCexa Wadari, romelic ikavebs<br />

msoflioSi yvelaze met toqsins da<br />

mtvers, xolo am mtvris dagrovebam<br />

ufro meti alergia gamoiwvia.<br />

ana ana labartyava<br />

labartyava<br />

vani gadawyvetilebebis miReba uwevs. es<br />

treningi uzrunvelyofs e.w. ekologiuri<br />

dacvis sakiTxs, maTi gansakuTrebulad<br />

stresuli samuSaos gamo.<br />

Cvens klientTa Soris Zalian bevri<br />

warmatebuli politikosia. maTTvis gvaqvs<br />

konsultaciebi, romelic saqmianobaSi<br />

warmatebis miRwevaSi exmarebaT.<br />

- - rogoria rogoria Tqveni Tqveni konsultacie-<br />

konsultacie-<br />

konsultacie-<br />

bisa bisa da da trenin<strong>ge</strong>bis trenin<strong>ge</strong>bis fasi?<br />

fasi?<br />

- pirveli konsultaciis fasi 45<br />

laria. Semdeg problemis mixedviT, d<strong>ge</strong>ba<br />

individulauri paketi., margam am paketSi<br />

TiToeuli seansis fasi ar<br />

aRemateba pirvandelis fass. trenin<strong>ge</strong>bis<br />

fasi, arsebul fasebTan SedarebiT,<br />

sakmaod dabalia. jerjerobiT misi<br />

Rirebuleba 200 laria. mogvianebiT,<br />

roca cnobili gaxdeba da amis madls<br />

gai<strong>ge</strong>bs sazogadoeba, fasebic aiwevs. Cven<br />

vcdilobT, rom Cveni momxmarebeli yvelanairi<br />

finansuri SeZlebis mqone adamiani<br />

iyos da Cveni mosmaxureba ar<br />

iyos gaTvili mxolod maRal fenaze.<br />

eka eka ebanoiZe ebanoiZe<br />

ebanoiZe

---

#159<br />

ivnisi<br />

ivnisi<br />

XIX saukunis 70-ian wlebSi<br />

amerikaSi ieRovas mowmeTa seqta Camoyalibda,<br />

romlis istoria Carlz tei<br />

raselTan aris dakavSirebuli. igi<br />

1852 wels daibada qalaq pitsburg-<br />

Si. 11 wlisam skola miatova da mamasTan<br />

erTad mewarmeoba, mza tansacmliT<br />

vaWroba daiwyo. male man daaarsa<br />

savaWro saxlTa mTeli qseli, sabanko<br />

warmoeba da Tavi mouyara simdidres,<br />

romelic 350 000 dolarad Sefasda.<br />

paralelurad is rwmenis sakiTxebiT<br />

iyo dakavebuli. amitom mis pirvel<br />

mimdevrebs swamdaT, rom RmerTi raselis<br />

tipis komersantia da ase ambobdnen:<br />

RmerTi aris udidesi komersanti<br />

da Cveni Zma raseli ki flobs<br />

iseTsave unars, ufro didi mniSnvnelobiTo.<br />

raseli dainteresebuli iyo aziuri<br />

aRmsareblobebiT, gamoicvala ramdenime<br />

seqta da miuxedavad imisa, rom<br />

aranairi saRvTismetyvelo ganaTleba ar<br />

gaaCnda, bibliis TviTneburi ganmarteba<br />

daiwyo. `gulmodgine gamoTvlebis~<br />

Semdeg, man sakuTar JurnalSi, `sionis<br />

saguSago koSki~, gamoaqveyna manamde yvelasaTvis<br />

ucnobi `gamocxadeba~. am<br />

20 ivniss saerTaSoriso safinanso<br />

korporaciam IFC JurnalistebisTvis<br />

Caatara seminari Temaze: `kor-<br />

ieRovelebi<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

arian arian Tu Tu ara ara isini isini qarTul qarTul politikaSi<br />

politikaSi<br />

`winaswarmetyvelebis~ arsi ki is gaxldaT,<br />

rom 1914 wels daiwyeboda arma<strong>ge</strong>doni,<br />

e.i. qristianuli samyaros sruli<br />

ganadgureba, daixoceboda yvela garda<br />

144 aTasi rCeulisa, romlebic, raRa<br />

Tqma unda, raselis mier 1884 wels<br />

daarsebuli `saguSago koSkis sazogadoebis~<br />

wevrebi iqnebodnen.<br />

1913 wels rasels sasamarTloSi<br />

uCivla misma meuRlem da igi garyvnilebasa<br />

da colqmrul RalatSi<br />

daadanaSaula. raselis colma es procesi<br />

moigo. odnav mogvianebiT raseli<br />

meoredac gaasamarTles, amjerad<br />

TaRliTobisa da seqtis finansebis<br />

TviTneburi gamoyenebisTvis. sasamarTlo<br />

procesze `moZRvarma~ kidev erTxel<br />

Seircxvina Tavi, rodesac daifica<br />

(im periodSi amerikis sasamarTloSi<br />

wesisamebr bibliaze ificebdnen),<br />

rom brwyinvaled flobs<br />

berZnul enas, sinamdvileSi ki berZnuli<br />

anbanis asoebsac ki ver asaxelebda.<br />

mogvianebiT gamoaSkaravda, rom<br />

man fermerebs `saswaulTmoqmedi~<br />

xorbali mihyida, ramac soliduri<br />

Semosavali moutana.<br />

movida 1914 welic, magram da-<br />

pirebuli `qveynis aRsasruli~ ar dadga.<br />

1916 wels raseli gardaicvala da seqtis<br />

prezidenti jozef ruterfordi<br />

gaxda, romelmac arma<strong>ge</strong>doni 1925 wlisTvis<br />

`daniSna~. am wels imdenad didi<br />

iyo qveynis aRsasrulis rwmena, rom<br />

bevrma fermerma 1925 wlis gazafxulze<br />

mindvrebic ki ar daamuSava.<br />

raselma araferi icoda Rmer-<br />

Tis saxelis - ieRovas Sesaxeb, romelic<br />

mxolod 1925 wlis<br />

winaswarmetyvelebis CaSlis Semdeg<br />

gaCnda. Jurnali saguSago koSki wers:<br />

1926 w. 1 ianvridan Jurnal saguSago<br />

koSkis ZiriTadi daniSnulebaa msoflios<br />

warudginos bibliis RmerTis<br />

saxeli ieRova. 1931 wlidan, kolumbiis<br />

yrilobis Semdeg, sazogadoebis<br />

wevrebma, ieRovas mowmeTa sazogadoeba<br />

dairqves. am droidan moyolebuli maT<br />

mTavar amocanad ara marto bibliis<br />

Sesawavla, aramed TavianT sarwmunoebaze<br />

xalxis masiuri gadabireba iqca.<br />

maTi Jurnali saguSago koSki ufasod<br />

rigdeboda quCebSi.<br />

`ieRovas mowmeebi~ amtkiceben,<br />

rom qriste ar aris RmerTi da dedamiwaze<br />

mosvlamde igi zecaSi mTavar-<br />

an<strong>ge</strong>lozi miqaeli iyo. qristianuli<br />

dResaswaulebisa da sakuTari dabadebis<br />

dRis aRniSvna ki udides codvad<br />

miaCniaT. maTi rwmeniT, ar SeiZleba<br />

omSi wasvla, samSoblos dacva. aseve,<br />

ar SeiZleba sasikvdilod ganwirul<br />

Svils sisxli gadausxa da a.S.<br />

ieRovelTa literatura, romelic<br />

CvenTan ufasod rigdeba, evropasa<br />

sityvieri sityvieri testis testis pasuxebi:<br />

pasuxebi:<br />

1. deli (yvela sxva sityva - parizi, londoni, moskovi - evropis qalaqebs aRniSnavs)<br />

2. li<br />

3. curva (yvela sxva sityva - fexburTi, rbola, ragbi - sportis saxmeleTo saxeobebs aRniSnavs)<br />

4. qu<br />

5. cxeni (yvela sxva sityva - buzi, koRo, mumli - mwerebs aRniSnavs)<br />

6. grafi<br />

7. m, o, b (`megobari~ ikiTxeba saaTis isris mimarTulebiT)<br />

8. SoTa (danaraCeni sityvebi - vaJa, akaki, ilia - mecxramete saukunis poetebia)<br />

9. e, n, r (`menejeri~ ikiTxeba saaTis isris sawinaaRmdego mimarTulebiT)<br />

10. sacivi (danarCeni sityvebi - torti, keqsi da Su - namcxvrebs aRniSnavs)<br />

18<br />

da amerikaSi iyideba. amdenad, CvenTan<br />

maTi mizani gamokveTilia: ...tkbilmetyvelebiTa<br />

da Semparavi sityviT acduneben<br />

umankoTa gulebs (rom. 16, 18)<br />

da daRupvisken mihyavT isini, amerikasa<br />

da evropaSi ki, sadac myarad aqvT fesvebi<br />

gadgmuli, am JurnalebiT sakmaod<br />

did Semosavals iReben.<br />

nata nata maruqaSvili<br />

maruqaSvili<br />

IFC-m `mcxeTa palasSi~ JurnalistebisTvis seminari Caatara<br />

`saqarTveloSi `saqarTveloSi yvelaze yvelaze xiluli xiluli problema problema korporatiuli korporatiuli marTvis<br />

marTvis<br />

meTodebis meTodebis ucodinrobaa~<br />

ucodinrobaa~<br />

poratiuli<br />

marTvis proeqtisaqarTveloSi~.saqarTvelo<br />

IFC-is aqcioneri<br />

da<br />

wevri 1995<br />

wels gaxda. ener<strong>ge</strong>tikis,<br />

nav-<br />

Tobis, gazis,<br />

warmoebis,<br />

mSeneblobisa<br />

da uZravi qonebisganviTarebisaTvis<br />

25<br />

proeqtis dasafinanseblad<br />

IFC-m 2008<br />

wels 220 mln.<br />

aSS dolari gamoyo. maT axlaxans,<br />

`banki respublika~ daafinanses, mcire<br />

da saSualo biznesis, sacxovrebeli<br />

TbilisSi, diRomSi 122<br />

heqtarze mini qalaqi gaSendeba<br />

diRomSi - mtkvris WalebSi, sacxovrebeli<br />

da savaWro kompleqsebis<br />

mSeneblobis interesi sul ufro<br />

izrdeba, kidev erT msxvil proeqts,<br />

amerikis saelCos mimdebare teritoriaze<br />

ebrael, arab da britanel investorTa<br />

jgufi <strong>ge</strong>gmavs.<br />

mini qalaqi 122 heqtarze unda<br />

gaSendes da is sacxovrebel saxlebs,<br />

savaWro, saofise da sportul-gasar-<br />

Tob centrebs moicavs.<br />

proeqtis Tavisi nawili, ebraulma<br />

kompaniam meriaSi ukve waradgina<br />

da masTan axla molaparakeba mimdinareobs.<br />

mTliani proeqti 1.5 miliard<br />

dolarad aris Sefasebuli. arsebuli<br />

<strong>ge</strong>gmiT, proeqtis ganxorcieleba momavali wlidan unda daiwyos da 2016<br />

wlisTvis dasruldes.<br />

religiuri umciresoba<br />

da saganmanaTleblo sesxebis programebis<br />

mxardasaWerad ki IFC-m daxmareba<br />

gauwia `prokredit bank<br />

saqarTvelos~ Seqmnas, riTac safuZveli<br />

Cauyara im pirvel banks<br />

saqarTveloSi, romelic orientirebuli<br />

iyo mikro da mcire sawarmoebisTvis<br />

sesxebis gacemaze. amave mizniT<br />

sakredito xazebi gauxsna `Tibisi<br />

banksa~ da `saqarTvelos banks~. am<br />

korporaciam monawileoba miiRo<br />

Tbilisisa da baTumis aeroportebis<br />

terminalebis mSeneblobaSi, romelic<br />

kompaniam Turkish TAV-ma ganaxorciela.<br />

Cadebulia investicia or kompaniaSi<br />

- `saqarTvelos minisa da<br />

mineraluri wylebis kompania~ da<br />

`qsani~.<br />

seminarze komunikaciebis ganyofilebis<br />

xelmZRvanelma ilia sverdlovma<br />

(aRmosavleT evropisa da centraluri<br />

aziis regioni) `ganviTarebad<br />

qveynebSi sesxebisa da nawilo-<br />

briv kerZo sawarmoebis xelSewyobisTvis<br />

IFC-is monawileobaze sicocxlisunarian<br />

proeqtebSi, kapitalis<br />

mobilizebaze sxvadasxva wyarodan da<br />

sakonsultacio mxardaWeraze~<br />

isaubra.<br />

iuridiulma mrCevlebma kaxa ku-<br />

Wavam, boris janjaliam da sabankosafinanso<br />

sakiTxebis specialistma<br />

mariam manjgalaZem ki isaubres imaze,<br />

Tu ra aris korporatiuli marTva,<br />

korporatiuli marTvis proeqti<br />

saqarTveloSi, kvlevebi da problemebi<br />

korporatiul marTvaSi, maregulirebeli<br />

normebi, saaqcio sazogadoeba<br />

da sxv.<br />

rogorc kaxa kuWavam aRniSna,<br />

saqarTveloSi yvelaze xiluli problema<br />

korporaciuli marTvis meTodebis<br />

ucodinroba, qarTuli realobisTvis<br />

damaxasiaTebeli erTpirovnuli<br />

gadawyvetilebebis miReba da finansuri<br />

resursebis piradi miznebisTvis<br />

gamoyenebaa. misi informaciiT, mTavroba-<br />

Si mzaddeba proeqti korporaciuli<br />

marTvis kuTxiT sabanko seqtorisTvis<br />

korporaciuli marTvis Sesaxeb.<br />

2004-2008 wlebis saqarTvelos<br />

korporaciuli marTvis kvlevebze,<br />

romelTa mizania saqarTveloSi moqmedi<br />

korporaciuli sazogadoebebis<br />

marTvis arsebuli praqtikis analizi,<br />

Zlieri da susti mxareebis gamovlena,<br />

isaubra analitikosma daviT gvenetaZem.<br />

Tea gigiberiam ki saqarTveloSi<br />

IFC-is sainvesticio saqmianobaze,<br />

korporaciul marTvasa da investiciebs<br />

Soris kavSirze isaubra.<br />

seminaris ganmavlobaSi orjer<br />

moewyo jgufuri savarjiSo TamaSobani<br />

JurnalistebisTvis, Tu rogor<br />

gvesmis korporaciuli marTva da<br />

rogor xdeba marTvis darRvevebis<br />

simulacia.<br />

TamTa TamTa dadeSeli<br />

dadeSeli<br />

ricxviTi ricxviTi testis testis pasuxebi:<br />

pasuxebi:<br />

1. 24 (rigSi ricxvebi izrdeba 3-iT, 5-iT, 7-iT, 9-iT);<br />

2. 10 (marjvena `xelsa~ da marcxena `fexze~ warwerili ricxvebis namravls gamovakloT marcxena `xelsa~ da<br />

marjvena `fexze~ warwerili ricxvebis namravli, miiReba `Tavze~ warwerili ricxvebi)<br />

3. 77 (frCxilebSi Cawerili ricxvi tolia frCxilebs gareT mdgomi ricxvebis namravlis naxevrisa)<br />

4. 2 (yovel striqonSi mesame ricxvi tolia pirveli ori ricxvis gaorkecebuli sxvaobisa)<br />

5. 94 (yoveli Semdegi ricxvi tolia gaorkecebuli wina ricxvisa da 2-is jamisa)<br />

6. 5 (gvaqvs ricxvTa urTierTmonacvle ori rigi: 5 , 4, 3, da 7, 6, 5)<br />

7. 4 (`Tavze~ warwerili ricxvebi tolia `fexebze~ warwerili ricxvebis naxevarjamisa)<br />

8. 39 (frCxilebSi Casmuli ricxvebis miosaRebad unda Seikribos frCxilebs gareT mdgomi ricxvebi da jami<br />

gaiyos 3-ze)<br />

9. 31 (ricxvebi izrdeba 2-iT, 4-iT, 6-iT, 8-iT, 10-iT)<br />

10. 4 (TiToeul svetSi ricxvTa jami tolia 9-is)

---

#159<br />

ivnisi<br />

ivnisi<br />

cnobili italieli dizaineri roberto<br />

kavali 2008 wlis gazafxuli-zafxulis koleqciaSi<br />

romantikul qals da `qal-leopards~<br />

warmoad<strong>ge</strong>ns. kavalis xelwera uCveulod - daxvewilobiT,<br />

mdidrulobiTa da <strong>ge</strong>movnebiT<br />

yovelTvis gamorCeuli gaxldaT. amjerad dizaineri<br />

`feriasa~ da afrikeli lamazmanis imijs<br />

gvTavazobs. koleqciaSi farTod aris warmod<strong>ge</strong>nili<br />

saRamos kabebi, Wreli sacvlebi. afriku-<br />

www.<strong>banksandfinance</strong>.<strong>ge</strong><br />

kavalis seqsualuri romantizmi<br />

li aqsesuarebi da modaSi didi xnis damkvidrebuli,<br />

jer kidev aqtualuri didi saTvaleebi<br />

da qamrebi. aqcenti qalbatonebis sxeulis<br />

nawilebidan yvelaze metad yelze, mkerdsa<br />

da fexebze keTdeba - Warbobs Jorses, abreSumis,<br />

muslinis qsovilebisgan damzadebuli dekoltirebuli<br />

da mWidrod Semotmasnili,<br />

qaluri samosi. kabebi erTdroulad Zalze daxvewili,<br />

haerovani, romantikuli da seqsualuria.<br />

rac Seexeba ferebs, Cavalli primavera - estate 2008<br />

ferebis siWreliT namdvilad daikvexnis. koleqcia<br />

reprezentatiulobisaTvis sakmaod Tamam,<br />

mWaxe ferebs iyenebs; TeTri, Jolosferi, mwvane,<br />

yviTeli, gansakuTrebiT bevria lurji da zRvisferi<br />

tonebi, aseve eleganturi Savi samosi Zalze<br />

Wrelia. es arcaa gasakviri, jer erTi zafxulisa<br />

da meorec, wlevandeli sazafxulo tendenciebis<br />

gaTvaliswinebiT. bolo dros modur<br />

miswrafebas, retro da afroaziuri stilis<br />

maqsimalurad mor<strong>ge</strong>bis maRali modis moyvarul-<br />

Ta sxeulebze roberto kavalimac enTuziazmiT<br />

auba mxari. amitom koleqciaSi leopardis bewvis<br />

imitaciiT Seqmnili samosi sakmaod Warbadaa,<br />

TvalSi sacemia oqrosferi samSvenisebis -<br />

(samajuri, sayure, xelCanTa-redikuli, qamari,<br />

Sarfi) simravle. rimavera - estate 2008-s agvirgvinebs<br />

araCveulebrivi Savi abreSumis kaba,<br />

oqrosferi kilitebiTa da biserebiT gawyobili.<br />

koleqcias mxolod da mxolod nazi evropeli<br />

qalbatonebi warmoadg<strong>ge</strong>nen.<br />

La Prairie - kremi salvatore<br />

fergamosgan asakis winaaRmdeg!<br />

axali kremi, eqskluziurad<br />

zafxulisaTvis - naoWebis sawinaaRmdego<br />

kidev erTi SemoTavazeba fergamosagan,<br />

antioqsidanti koreqtori,<br />

damzadebulia zRvis wyalmcenareebis<br />

eqstraqtebze. icavs kans<br />

Tavisufali radikalebisa da<br />

daberebisagan, aqvs daWimvis da re<strong>ge</strong>neraciis<br />

efeqti, asworebs naoWebs<br />

da kans sigluves aniWebs. aqvs aseve<br />

gamwmendi funqcia, ufro metad<br />

sufTa da mbrwyinavi kanisTvis! Seicavs<br />

unikalur marin-ingredientebs<br />

(zRvis flora, aseve xizilalas<br />

eqstraqti), romlebic eqskluziurad<br />

La prairie-s seriisaTvis<br />

daikrifa! gansakuTrebuli efeqti<br />

aqvs amave seriis anticelular kompleqs La prairie's exchusive-sTan kombinaciaSi. ganvixiloT<br />

kremis ramdenime Tviseba:<br />

1. zRvis planqtoni uzrunvelyofs adaptorebul antioqsidantur moqmedebas.<br />

2. exmareba kans elastikurobisa da simkvrivis SenarCuneba-matebaSi.<br />

3. agluvebs da atenianebs kans.<br />

4. Seicavs naturalur kola<strong>ge</strong>ns (kremebSi Semavali nivTiereba).<br />

5. mikrosferosa da mikronawilakebis meSveobiT axorcielebs mJavianobis kontrols.<br />

6. aumjobesebs kanis balanss.<br />

7. aniWebs kans bevrad ufro cocxal, jansaR, vardisfer iers.<br />

8. 1,4 - oqsi<strong>ge</strong>nobis done.<br />

JivanSis mistikuri<br />

aromati - ar<strong>ge</strong> ou demon<br />

JivanSi 2008 wels cnobili sunamo ar<strong>ge</strong> ou demon-is axal versias gvTavazobs. damaintri<strong>ge</strong>beli<br />

da kontrastuli notebis kombinacia, sibnelisa da sinaTlis<br />

monacvleoba! JivanSim igi mistikuri, sabediswero,<br />

idumali, moTamaSe qalbatonebisTvis Seqmna.<br />

mistikuri, ucnauri, enigmaturi<br />

surneli jiniviT Sav-TeTr, prizmas<br />

formis flakonSia moTavsebuli. mdidruli<br />

da araCveulebrivi franguli<br />

aromati mciredTaTvis aris<br />

gankuTvnili, radganac erTgvarad<br />

ironiuli da provokaciulia, `cecxlTan<br />

moTamaSe da faceturi~ - ase<br />

afaseben mas kritikosebi da modis<br />

moyvarulebi. sunamo ukve sakmaod<br />

popularulia, misi saidumlo ki ima-<br />

Si mdgomareobs, rom igi, rogorc<br />

aRvniSneT, Zalze macduri da vnebiani,<br />

Tu demonuri da amavdroulad<br />

nazi, saTuTi da `ucodveli~-caa.<br />

eqskluziurad gazafxulisa da<br />

zafxulisaTvis - delikaturi,<br />

grili da ucnauri!<br />

o, moda, moda!<br />

19<br />

Sanelis tuSebis koleqcia 2008<br />

Sanelis kosmetikur<br />

xazSi wels tuSebis aSkara<br />

siWarbe TvalSisacemia. warmod<strong>ge</strong>nilia<br />

15-mde dasaxelebis<br />

da aTobiT feris<br />

sxvadasxva tipis funjiani,<br />

damagrZelebeli, wamwamebis<br />

gamaxSirebeli da sveli<br />

efeqtiT. warmogid<strong>ge</strong>nT ramdenime<br />

maTgans.<br />

Inimitable - Multi-Dimensional<br />

Mascara - moculobis<br />

mosamatebeli unikaluri<br />

funjiT, makiaJis srulyofisaTvis.<br />

TvalismomWreli<br />

moculoba, bunebrivi ieri, gr-<br />

Zeli, eSmakurad aprexili wamwamebi<br />

xom qalis garegnobis erTerTi<br />

umniSvnelovanesi Strixia!<br />

Imitable mascara - efuZneba unikalur<br />

inovaciur teqnologias, gansakuTrebiT<br />

kargad es funjis faqturaze aisaxeba,<br />

romelic maRalxarisxovani masaliTaa<br />

damzadebuli, ar iwvevs wamwamebis cvenas, aris hopoalergiuli, Rerebis ganla<strong>ge</strong>ba xels uwyobs<br />

tuSis Tanabrad ganla<strong>ge</strong>bas wamwamebze, aseve mis moqcevas wamwamebis boloebze, raTa sigrZe<br />

maqsimalurad iqnas miRweuli da amasTan Rerebs bunebrivi (da ara gamxmar-gaglesili) ieri<br />

SeunarCundes. aqvs mkvebavi funqcia, amagrebs wamwamebis Rerebs da Zirebs (folikulebs) mxolod<br />

Savi feris.<br />

Mascara base beaute - mkvebavi, damatenianebeli da mzisgan damcavi tuSi, Seicavs kondicioners,<br />

aRad<strong>ge</strong>ns dazianebul wamwamebs da amagrebs folikulebs. metic, is kvebavs da axdens<br />

restruqturizacias Tavad Rerebis, grZeli da aprexili wamwamebi sveli efeqtiT. Seicavs<br />

biovitamin B5-sa da vitamin E-s, romelTa kombinacia atenianebs da arbilebs wamwamebs. formula<br />

aseve gamdidrebulia sinTetikuri polimerebiT da cviliT, rac xels uwyobs tuSis<br />

mdgradobas da didxans SenarCunebas. eqstremaluri dacva UV - gamosxivebisa da Tavisufali<br />

radikalebisagan.<br />

Vichy-s mzisgan damcavi<br />

da gasaruji kremebi<br />

cnobili da maRalxarisxiani franguli firma Vichy - sazafxulod mzisgan, ultraiisferi<br />

gamosxivebisa da urbanuli dabinZurebisagan damcav kremebs gvTavazobs.<br />

Vichy - Capital Soleil SPF 15 - Sunscreen Crem - with Cleexory SX. pirveli medegi kremi<br />

wylis simlaSisa da sixistis mimarT lexyl SX-iT saxisa da tanis kanis mosavlelad.<br />

Capital Soleil-is inovaciuri formula - kombinirebuli ultraiisferi (UV) - filtriT,<br />

Mexoryl SX-formuliT uzrunvelyofs mzisgan saimedo dacvas avobenzonis, Parsol-is da sxva<br />

nivTierebaTa farTo speqtris meSveobiT.<br />

esTetikuri medicinis<br />

gamofena saqarTveloSi<br />

TbilisSi 19-dan 22 ivnisis CaTvliT esTetikuri medicinis, kosmetikis, aseve saparikmaxero<br />

xelovnebis pirveli gamofena-festivali Catarda. festivalze ramdenime salonis kuTxe, aseve<br />

mravali kosmetikuri, farmacevtuli, teqnikis stendi iyo warmod<strong>ge</strong>nili, maT Soris: `aversi~,<br />

`pe-es-pe~, parafarm Gpg, eveline, lealtracce, neferxit, pupa, podium, ici-parie, faverlic, beaute code,<br />

natali da mravali sxva brendi. gamofenili iyo aseve uaxlesi stomatologiuri, fitnesi,<br />

salonis aRWurviloba, iaraRebi da aparatura. msurvels usasyidlod emsaxurebodnen eqimstomatolo<strong>ge</strong>bi,<br />

kosmetolo<strong>ge</strong>bi, konsultantebi da cnobili stilistebi, festivalis mxardamWerebi<br />

da organizatorebi iyvnen: saqarTvelos parikmaxerTa da kosmetologTa federacia,<br />

yellow pa<strong>ge</strong>s Tbilissi, GBC, Tbilisis meria, sainformacio mxardaWeras ki `jorjian Taimsi~<br />

axorcielebda. stendebze warmod<strong>ge</strong>nili iyo kosmetikis sacdeli varianti, sadac qalbatonebs<br />

survilisamebr, SeeZloT maTTvis sasurveli kosmetikis saxeze, yelsa d frCxilebze datana.<br />

festivalis farglebSi gaimarTa stilistebisa da specialistebis konkursi, sadac gamarjveba<br />

salon `podiumis~ stilistebma moipoves. nominaciebSi `saqorwino~ da `fantaziuri~ gaimarjves<br />

givi jinjvelaSvilma da Tako merekliSvilma, xolo kosmetologTa konkursSi ki saprizo<br />

adgili - maka sabanaZem daikava.<br />

gverdi gverdi moamzada moamzada qeTi qeTi didebuliZe<br />

didebuliZe