კორპორაციულ ბანკებს სესხების გაცემა შეეზღუდებათ
ნინო ცხვარაძე 591 98 24 30
qveyanaSi mZime socialur-ekonomikuri mdgomareobaa. gaRatakebuli mosaxleobis did nawils bankebis, mikrosafinanso Tu safinanso
organizaciebis, onlainsesxebis da lombardebis vali aqvs, aRarafers
vambobT kerZo mevaxSeebze
dasaxelebuli safinanso seqtori gaWirvebuli xalxis xarjze mdidrdeba. imisTvis, vinc sesxis aRebis yvela resurss amowuravs, bolo instancia lombardia. bolo wlebis ganmavlobaSi aTasobiT adamiania masze damokidebuli. es cifrebiTac dasturdeba. saqarTvelos statistikis erovnuli samsaxuris – `saqstatis~ vebgverdze gamoqveynebuli masalebis mixedviT, 2017 wels lombardebis momsaxurebiT 609,4 aTasma adamianma isargebla, aqedan 99,6 procenti fizikuri piria. lombardebis mier gacemuli kreditebis moculobam 405,8 mln lari Seadgina. am Tanxis 64,7 procenti erovnul valutaSia gacemuli. isev `saqstatis~ monacemebs moviSvelieb – lombardis momsaxurebiT umetesad TbilisSi sargebloben – momxmarebelTa saerTo raodenobis 67,8 procenti, Semdegia aWara – 13 procenti. bolo monacemebiT, saqarTveloSi 875 lombardia.
lombardi kanonmdeblobiT daregulirebuli sferoa da mxareebs Sorisac urTierTobas saqarTvelos kanonmdebloba agvarebs. miuxedavad amisa, mainc umjobesia, maqsimalurad aaridoT Tavi lombardTan urTierTobas, radgan am tipis organizaciebSi saprocento ganakveTebi Zalian maRalia, amasTan, lombards aqvs ufleba, gadauxdelobis SemTxvevaSi dagiravebuli qonebis realizaciiT daibrunos kuTvnili Tanxa. rCeva banaluria, Tumca mainc – vidre mama-papur Zvirfaseulobas, saxls an avtomanqanas daagiravebT, dafiqrdiT, SeZlebT Tu ara dagiravebulis gamosyidvas. Tu sxva gamosavali ar gaqvT, ecadeT, finansurad Zlieri organizacia SearCioT, romlis saprocento ganakveTi sxvebTan SedarebiT naklebia…
sabanko seqtoris Semdeg, saqarTvelos finansTa ministri mamuka baxtaZe lombardebiTac dainteresda da am mimarTulebiT axali regulaciebis dawesebasac aanonsebs. ministri acxadebs, rom avtomobilebis da uZravi qonebis dalombardeba negatiuri praqtikaa da am mimarTulebiT principuli nabijebi gadaidgmeba.
– mniSvnelovania, umokles vadebSi lombardebTan dakavSirebiT miviRoT TamaSis axali wesebi. gansakuTrebiT, avtomobilebis da uZravi qonebis dalombardeba aris Zalian negatiuri praqtika. es momxmareblebze cudad aisaxeba da xSir SemTxvevaSi, kriminalis wyaroc xdeba. amitom, vfiqrob, am mimarTulebiTac unda gadavdgaT principuli nabijebi. gvWirdeba principulad da xarisxobrivad axali wesebi, – ambobs mamuka baxtaZe.
finansTa ministri erovnuli bankis axal regulaciebs, romelic 2018 wlis 7 maisidan amoqmeddeba, srul mxardaWeras ucxadebs – komerciul bankebs momxmarebelTa gadamxdelunarianobis srulfasovani analizis gareSe sesxebis gacema SeezRudebaT. kerZod, aseTi sesxebis saerTo Tanxa ar unda aRematebodes komerciuli bankis sazedamxedvelo kapitalis 25 procents.
– araerTxel ganvacxade, rom es aris Zalian principuli sakiTxi. Warbvalianobas saqarTveloSi sWirdeba principuli gadawyveta, romelic gulisxmobs garkveul RonisZiebebs rogorc erovnuli bankis, ise mTavrobis ekonomikuri gundis mxridan. aqtiurad vmuSaobT am sakiTxebze. minda, sruli mxardaWera gamovucxado im regulacias, romelic 7 maisidan Seva ZalaSi. es erTi nabijia, Tumca minda yvela davarwmuno, rom iqneba sxva nabijebic, maT Soris maqsimaluri zRvaris daweseba garkveuli tipis sakredito produqtebze da e.w. efeqturi saprocento ganakveTis, ufro aqtiurad SemoReba, – acxadebs ministri.
mamuka baxtaZis TqmiT, saqarTveloSi, samwuxarod, xSirad momxmarebels kontraqtSi uwerdnen procents, Semdeg ki sxvadasxva jarimis da sakomisios meSveobiT, sxva cifri gamodioda.
– es aris momxmareblis fundamenturi uflebebis darRveva. rodesac Cven vsaubrobT samarTliani TamaSis wesebis dadgenaze, swored amas vgulisxmobT. ormagi standartia is gancxadebebi, rom Turme axali samarTliani TamaSis wesebis damkvidreba ewinaaRmdegeba sabazro ekonomikis principebs da a.S. Cven swrafva gvaqvs evropisken da minda, am adamianebs SevekiTxo: romel evropul qveyanaSi romel momxmarebels ar uweria kontraqtSi efeqturi saprocento ganakveTi da Ziri Tanxis orjer, samjer an oTxjer dafarva uwevs, rogorc es saqarTveloSi xdeba? samarTliani wesebis damkvidreba gulisxmobs swored momxmareblebis uflebebis fundamenturi uflebebis dacvas, gamWvirvalobas da iseTi standartebis dadgenas, romelic Seamcirebs Warbvalianobas, – ambobs ministri.
mamuka baxtaZe fiqrobs, rom axali regulaciebi xels Seuwyobs saprocento ganakveTis Semcirebas, radgan finansur institutebs saSualeba eqneba, ukeT gaaanalizos momxmareblis Semosavali, ukeT gaiTvaliswinos riskebi da gaaiafos Tavisi produqti.
TamaSis axali wesebi SesaZloa mosaxleobis im nawilisTvis aRmoCndes mtkivneuli, romlebsac Semosavlebi oficialurad ar ufiqsirdeba. mamuka baxtaZis gancxadebiT, amitomac daiwyes mcire da saSualo biznesis xelSewyoba.
– daviwyeT mcire da saSualo biznesis xelSewyoba. ivnisidan amoqmeddeba unikaluri praqtika msoflio ekonomikaSi, romlis mixedviTac isini, romelTa Semosavali ar aRemateba 500 aTas lars, faqtobrivad, gadaixdian simbolur – 1%-ian gadasaxads. aqedan gamomdinare, msgavsi tipis argumentebi Cveni oponentebis mxridan, aravaliduria (arasarwmunoa). Cven rom gvqondes iseTi tipis sagadasaxado ganakveTebi, romlebic adamianebs aiZulebs Semosavlebi damalon, ra Tqma unda, me viqnebodi pirveli, vinc am argumentebs gaiziarebda, magram Cven mcire da saSualo biznesisTvis vqmniT sruliad axal garemos, aqedan gamomdinare, aravis eqneba imis stimuli, rom maTi Semosavlebi darCes CrdilSi. vfiqrob, sazogadoebis yvela jgufisTvis iqneba zemoT aRniSnuli axali wesebi momgebiani, maT Soris im jgufebisTvis, romlebsac dRes Semosavali ar aqvT oficialur dokumentebSi naCvenebi, – acxadebs saqarTvelos finansTa ministri mamuka baxtaZe.
`aRdgoma da xvaleo~ – vnaxoT, rogori dasasruli eqneba mamuka baxtaZis iniciativebs.
