დაგროვებით საპენსიო სქემაში 900 ათასზე მეტი ადამიანია ჩართული
irma cecxlaZe 27 48 93
axal sapensio sistemas, romelic wels daiwyo, jer kidev undoblad uyurebs momavali pensionerebis didi nawili. isini acxadeben, rom ver endobian saxelmwifos, romelmac araerTxel daukarga maT mama-papebs aTwleulobiT
nagrovebi fuli. cxadia, genetikuri maxsovroba yvela Cvengans kargad aqvs
ganviTarebuli, magram faqtia, im ori procentiT, xelfasebidan rom gviqviTaven, Rirseul Tanxas verafriT movuyriT Tavs
eqspert-ekonomistTa TqmiT, dagrovebiTi pensia sakmaod miRebuli praq-tikaa msoflioSi. igi sapensio uzrunvelyofis arsebuli sistemis alternativaa, romelic moqalaqis mier pensiis individualur dagrovebas gulisxmobs. am SemTxvevaSi, Sromisunariani adamiani, romelic ibegreba, acnobierebs, rom wvlili Seaqvs sakuTari uzrunveli siberis dagegmvaSi, Sesabamisad, pensia ganesazRvreba imis mixedviT, Tu ramdeni imuSava, ramxela iyo misi anazRaureba da ra wvlili Sehqonda sapensio fondSi.
amasTan, eqspertebi miiCneven, rom aRniSnuli modeli bevrad samarTliania, radgan iTvaliswinebs individualur faqtorebs – wvlils, romelic adamianma Seitana sazogadoebriv cxovrebasa da qveynis ekonomikur ganviTarebaSi. am SemTxvevaSi, adamianis sibere naklebad aris damokidebuli mTavrobebis cvlasa da politikur situaciaze.
Tamamad SeiZleba ganvacxadoT, rom gardamavali periodi, romelmac Cveni pensionerebi axal standartebze unda gaiyvanos – Sedga. ianvridan dRemde ganxorcielebuli aqtiuri muSaobis Sedegad dalagda axali sistema da ukve naklebi eWvebi Cndeba pozitiur perspeqtivebTan dakavSirebiT.
Tu rogor gaarTva saagentom Tavi warmoqmnil problemebs, rogoria sqemaSi darCenili dasaqmebulebis monacemebi, ra saxiT awarmoebda saagento sainformacio kampanias, rogor xdeboda kapitalis bazris ganviTareba, ramdenia sapensio danazogebze daricxuli sargebeli, rogor ganxorcieldeba investireba, ras iTvaliswinebs reformis mokle da grZelvadiani miznebi da sad ganTavsdeba Tanxebi, amaze saubrobs `aWarasTan~ interviuSi sapensio saagentos direqtori levan surgulaZe.
– ra vadiT agirCies saagentos direqtorad da ra gakeTda saagentos Camoyalibebidan dRemde?
– 2018 wlis 15 agvistos saqarTvelos mTavrobis dadgenilebiT damtkicda sapensio saagentos debuleba da 5 wlis vadiT, konkursis wesiT daviniSne sapensio saagentos direqtorad. am xnis ganmavlobaSi, CamovayalibeT organizaciuli struqtura, Sedga saStato ganrigi, Seiqmna saagentos oficialuri atributika, SemuSavda sapensio Senatanebis miRebisa da administrirebis modeli, meTodologia, procedurebi da teqnikuri gadawyvetis proeqti. sapensio saagentom aseve SeimuSava instruqcia damsaqmeblisa da TviTdasaqmebulebis, aseve dagrovebiTi sapensio sqemis monawileTa uflebebisa da movaleobebis Sesaxeb, monawileTa individualu-ri sapensio angariSebis gaxsnis, marTvisa da operirebis wesebi da pirobebi da saagentos nominaluri mflobelobis angariSebze zedmetad gadaxdili Tanxebis ukan dabrunebis wesi. sapensio saagentoSi Seiqmna administrirebis eleqtronuli sistema. ukve 2018 wlis 31 dekembers sapensio saagento mzad iyo 2019 wlis 1 ianvridan `dagrovebiTi pensiis Sesaxeb~ kanonis implementaciisTvis. marTlac uzarmazari samuSao Catarda. sapensio saagentom saqarTveloSi registrirebul da moqmed 10 komerciul bankSi gaxsna nominaluri mflobelobis angariSebi da gaaforma Sesabamisi, sabanko momsaxurebis xelSekrulebebi. aiwyo eleqtronuli kavSiri samoqalaqo reestrsa da saxelmwifo xazinasTan.
– ra gakeTda mosaxleobis informirebisaTvis, maxsovs, yvela Zalian dabneuli iyo. . .
– mosaxleobis informirebis mizniT sapensio saagentos menejmentma Caatara Sexvedrebi arasamTavrobo, samTavrobo, mediis, kerZo seqtoris warmomadgenlebsa da adgilobrivi bazris liderebTan mTeli saqarTvelos masStabiT. amoqmedda sapensio saagentos oficialuri da feisbuqgverdebi. sazogadoebis cnobierebis amaRlebis mizniT Seiqmna informaciul-animaciuri rgoli.
– romel donor organizaciebTan TanamSromlobdiT?
– sapensio saagento aqtiurad TanamSromlobda safrangeTis ganviTarebis saagentosTan, aziis ganviTarebis bankTan, msoflio bankTan, amerikis saerTaSoriso ganviTarebis saagentosa da saerTaSoriso savaluto fondis eqspertebTan.
– romelma auditorulma kompaniam Seafasa Tqven mier gaweuli muSaoba?
– es iyo saqarTvelos parlamentis mier SerCeuli auditoruli kompania ernst&iangi. Cveni saagentos Sesaxeb momzadebuli daskvna ki aris Semdegi: `warmodgenili finansuri angariSgeba, yvela arsebiTi aspeqtis gaTvaliswinebiT, samarTlianad asaxavs saagentos finansur mdgomareobas 2018 wlis 31 dekembris mdgomareobiT, agreTve misi saqmianobis finansur Sedegebsa da fuladi saxsrebis moZraobas amave TariRiT dasrulebuli periodisTvis, finansuri angariSgebis saerTaSoriso standartebis (`fass~) Sesabamisad.~
– rogoria saagentos uaxlesi statistika, ramdeni adamiani darCa sapensio fondis axal sistemaSi, bevri adamiani xom winaaRmdegi iyo?
– sapensio saagentom sazogadoebas gaacno reformis dadebiTi mxareebi, amitom sqemaSi mosalodnelze meti adamiani darCa. rogorc vTqvi, Cven CavatareT sakmaod masStaburi kampania, yovel SemTxvevaSi, imis farglebSi, ra saxsrebic gagvaCnda. mivdiodiT yvela did organizaciaSi, pirispir vesaubrebodiT xalxs, mqonda orasze meti satelevizio gamosvla, gamoqveynda 900-ze meti publikacia rogorc beWdur, ise cifrul mediaSi, aseve iyo pirispir Sexvedrebi moqalaqeebTan. Sedegad – dagrovebiT sapensio sqemas 900688 monawile hyavs. fondis Rirebuleba ki am droisaTvis 361374058 laria, amas emateba daricxuli sargebeli 8620849 lari. aqve aRvniSnav, rom sapensio fondSi 58292 kompaniaa CarTuli. fondis erTeulis Rirebuleba – 104113-ia.
– bevri ambobs, rom ar surda am sqemaSi darCena da informaciis naklebobis gamo ver gamovida sistemidan. . .
– rogorc aRvniSne, sapensio sqemaSi darCa gacilebiT meti adamiani, vidre mosalodneli iyo. sqemaSi CarTul TiToeul moqalaqes, visac gasvlis ufleba hqonda, sakuTar sapensio angariSze miTiTebuli hqonda gasvlis TariRi. aranairi informaciuli problema ar yofila, yvelam Zalian kargad icoda sadac iyo, saidanac SeeZlo gasvla da sad darCa. minda giTxraT, rom sapensio saagento gegmis mixedviT moqmedebda, Sedegebi molodins marTlac aWarbebs.
– sad ganTavsdeba Tanxebi, romelic Tvidan Tvemde matulobs?
– sapensio danazogebis nawili vadian depozitebze da sadepozito sertifikatebze ganTavsdeba, romelzec wliuri ganakveTi 12 procentamde iqneba. am sakiTxze komerciul bankebTan molaparakebebi mimdinareobs. yvela portfelSi moiazreba, rom Tanxis garkveuli nawili aucileblad unda iyos fuladi instrumentebis saxiT da es aris zustad komerciuli bankebis mier gamoSvebuli instrumentebi. mimdinare refinansirebis ganakveTis gaTvaliswinebiT, sargebeli iqneba 11-11.5-12 procentis farglebSi.
– ramdeni xniTaa ganTavsebuli es Tanxebi da ramdenad sarwmunoa, rom sargebeli misaRebia?
– amJamad sapensio danazogebi ganTavsebulia mimdinare sabanko angariSebze, rac imas niSnavs, rom mas vada ar aqvs. rac Seexeba sargebels, es aris yvelaze dabali sargebeli, rac SeiZleba bankSi miiRoT. rodesac Cven ganvaTavsebT Tanxebs depozitis sertifikatebSi da vadian angariSebze – iq sargebeli iqneba daaxloebiT 11-12 procenti.
– vin marTavs am sainvesticio kapitals?
– sainvesticio sabWo, romelic saerTaSoriso rangis finansistebiT, iuristebiT, menejerebiT da dargis specialistebiT aris dakompleqtebuli. sxvaTa Soris, sapensio saagentos sainvesticio sabWos wevrebs aqvT mosazrebebi sakanonmdeblo cvlilebebis Sesaxeb. kerZod, konkretuli winadadebebi – garkveul sakanonmdeblo cvlilebebze, romelic gaaadvilebs sainvesticio politikis warmoebas dagegmili Sedegebis misaRwevad. maT Soris aris samuSao adgilebis Seqmna. aqedan gamomdinare vTvliT, rom – Tu Cven gavaCenT iaf sainvesticio kapitals, es, ra Tqma unda, Seqmnis damatebiT samuSao adgilebs.
– rogorc cnobili gaxda, kompaniebi ukve emzadebian, rom gamouSvan saintereso finansuri instrumentebi. ufro konkretulad xom ver gagviSifravT am instrumentebs?
– Tavidanve ganvacxadeT, rom sapensio reformas ori mniSvnelovani mizani aqvs. erTi – grZelvadiani, romelmac SesaZlebeli unda gaxados sapensio asakSi moqalaqeebis finansurad uzrunvelyofili cxovreba, xolo meore – moklevadiani, romelic kapitalis bazris ganviTarebas gulisxmobs. mogexsenebaT, dRes arsebul kapitalis bazarze sainvesticio instrumentebis mxriv arCevani Zalian mwiria, Tumca moTxovna aris latenturi: isini unda iyvnen gamWvirvale, momgebiani, gaiaron auditi, miiRon Sesabamisi reitingi da gaakeTon fasiani qaRaldebic imitom, rom Cven akrZaluli gvaqvs pirdapir investiciebSi Sesvla. Cven mxolod finansuri instrumentebi SegviZlia SeviZinoT, es kompaniebi iqnebian motivirebulebi da gamouSveben kidevac aseT finansur instrumentebs. Cemi prognoziT, uaxloes sam-oTx weliwadSi es efeqti aucileblad unda davinaxoT. bazarze ukve aris moZraoba, gamoxatuli interesi am fulis mimarT, kompaniebi emzadebian, gamouSvan saintereso finansuri instrumentebi da Cven didi imedi gvaqvs, rom am fuls ai, aq ganvaTavsebT.
