-საქართველოს ეკონომიკა გამოიმუშავებს უფრო ნაკლებ დოლარს და ხარჯავს უფრო მეტს
irma cecxlaZe 27 48 93 –
ekonimikis eqsperti samson xoneli acxadebs, rom `2021 wlidan safinanso bazarze siaxle igegmeba. Tebervlidan erovnuli valutis gacvliTi kursi mxolod B-is savaluto sistemis Bis meSveobiT dgindeba. aqamde arsebuli sistemisgan gansxvavebiT, vaWrobis procesSi komerciuli bankebisa da mikrosafinanso organizaciebis garda, „pirdapiri monawilis“ statusiT ukve sxva kompaniebic daiSvebian. sabanko sferos specialistTa SefasebiT, savaluto bazarze axali wesebis SemoRebiT, savaraudod, gaizrdeba rogorc vaWrobaSi CarTuli pirebis, ise dRis ganmavlobaSi dadebuli garigebebis raodenoba. axali platformiT komerciul bankebs SesaZlebloba aqvT, garigebebis SeTavazebebi uSualod klienti kompaniebis saxeliT gaakeTon.“
rogor aisaxeba siaxle laris kursze? eqspert-analitikosTa SefasebiT, savaluto bazarze Seqmnili vaWrobis axali sistema xels Seuwyobs erovnuli valutis kursis CamoyalibebaSi ufro meti subieqtis monawileobas. bunebrivia, meti konkurencia dadebiTad unda aisaxos vaWrobis procesze. naklebad savaraudoa, rom am siaxles uSualod laris kursze rame saxis gavlena eqneba. analitikuri wreebis Sefasebas erovnul bankSic iziareben. rogorc koba gvenetaZis uwyebaSi ganmartaven, vaWrobis axali sistema savaluto bazarze monawileTa raodenobis zrdas uzrunvelyofs da bunebrivia, moimatebs konkurenciis donec. ramdenime dRis analizmac cxadyo, rom platformaze Seqmnilia vaWrobis konkurentuli garemo. mniSvnelovania, rom garigebebi ar xasiaTdeba didi meryeobiT da, rac mTavaria, srulad Seesabameba garigebis dadebis dros bazarze arsebul realobas.
platforma ramdenime mTavar pirobas emyareba: pirveli – garigebebi ideba standartuli pirobebiT, anu erTi da imave angariSsworebis TariRiT da arsebobs garigebis minimaluri odenoba; meore -− garigebebi ideba avtomaturad myidvelisa da gamyidvelis kursis Tanxvedris SemTxvevaSi, rac uzrunvelyofs garigebis dadebas konkretul momentSi arsebuli saukeTeso kursiT; mesame – platformaze ganTavsebuli yidva-gayidvis ganacxadebi anonimuria manam, sanam platformis mier ar moxdeba garigebis avtomaturi registracia; meoTxe – platformis monawileebi Tavadve gansazRvraven maTTan garigebaSi daSvebul kontragentebsa da savaWro limitebs.
samson xonelis mtkicebiT: „erovnuli kursis axal platformaze gansazRvrisas mcirediT mainc unda Semcirdes komerciuli bankis e.w. fasnamatis wili, anu Tu komerciuli banki savaluto bazarze adre erT amerikul dolars, pirobiTad, 3.25 larad yidulobda da dolaris SeZenis msurvel kompaniaze erTi, ori an kidev ufro meti erTeuliT Zvirad yidda, axla es kompania Tavad SeZlebs ivaWros da ar iyos sabanko seqtoris nebis Semxedvare. vcdebi Tu ara, amas uaxloesi momavali gviCvenebs. manamde ki vnaxoT, ori Tvis gasayarze rogor Seicvala laris kursi, ra gzas daadga erovnuli valuta“.
aRsaniSnavia, rom gasuli kviris dasawyisSi blumbergis savaWro platformaze erTi amerikuli dolari 3.298 larad iyideboda, Tumca ramdenime dReSi erovnuli valuta 0.52 procentiT gaufasurda da ukve kviris bolos erTi amerikuli dolaris Rirebulebam 3.316 lari Seadgina. erTi sityviT, ianvris mesame dekadaSi amerikul dolarTan mimarTebaSi 0.05 procentiT gamyarebuli erovnuli valuta kvlav daRma daeSva. ar vici, vis da ramdenad ganugeSebT, magram getyviT, rom erTTviani gamyarebis Semdeg, saangariSo periodSi amerikul dolarTan mimarTebaSi 0.60 procentiT gaufasurda somxuri dramic. samxreT kavkasiis ori saxelmwifos erovnul valutebs arc evro CamorCa da dolarTan mimarTebaSi kidev ufro metiT, 0.74 procentiT, gaufasurda. amave periodSi saqarTvelos umsxvilesi savaWro partniori qveynebis – ukrainisa da TurqeTis erovnuli valutebi Tanabari maCvenebliT – 2.95 procentiT gamyarda. Turqul liras ukve zedized ori Tvea, mkveTri gamyarebis kursi uWiravs. ianvris bolos da Tebervlis dasawyisSi lari yvelaze metiT, 4.06 procentiT, swored Turqul lirasTan mimarTebaSi gaufasurda. lari SedarebiT naklebiT, 2.1 procentiT, gaufasurda rusul rublTan mimarTebaSic. ukrainul grivnasTan mimarTebaSi erovnuli valutis gaufasurebis maCvenebeli − 1.86 procentia. larma poziciebi daTmo somxur dramTanac. gaufasurebis maCvenebeli 0.23 procentia.
kidev erTi yuradsaRebi niuansi: rogorc analitikosebi mianiSneben, Tu ianvarSi erovnuli valuta gamyarebasTan erTad met-naklebi stabilurobiT, anu dabali meryeobiT gamoirCeoda, Tebervlis pirvel kviraSi gaufasurebasTan erTad laris gacvliTi kursic mkveTrad meryeobda. kerZod, saangariSo periodSi saSualosTan mimarTebiT gacvliTi kursis meryeoba 0.17 procents aRwevda.
imedia, erovnuli valutis bediT dainteresebul mkiTxvels emaxsovreba qveynis pirveli bankiris koba gvenetaZis dapireba, rom misi uwyeba welsac gaagrZelebda gasuli wlis martSi dawyebul e.w. intervenciebis politikas. sityva saqmed iqca. mimdinare wlis 6 ianvars erovnulma bankma safinanso bazarze pirveli intervencia ganaxorciela, 40 milioni amerikuli dolari gayida. orkviriani pauzis Semdeg, 27 ianvars koba gvenetaZis uwyebam savaluto bazars morigi 40 milioni amerikuli dolari miawoda. sagulisxmoa, rom laris gaufasurebis miuxedavad, saangariSo periodSi erovnul banks bazarze ucxouri valuta ar gauyidia.
analitikosTa nawili miiCnevs, rom pirdapiri savaluto intervenciebi SesaZloa araefeqturi iyos. maT Soris gaxlavT sapensio saagentos yofili xelmZRvaneli da finansisti levan surgulaZe. misi SefasebiT, arsebul viTarebaSi erovnuli banki savaluto bazrisTvis jamurad aseulobiT milioni dolaris miwodebiT ver moagvarebs sistemur problemas. es aris Semcirebuli savaluto nakadebi: „intervenciebiT SesaZlebelia mxolod aJiotaJuri da iracionaluri moTxovnis dakmayofileba, romelsac ar aqvs safuZveli. rac Seexeba xangrZliv da grZelvadian mocemulobas, is welsac grZeldeba, Cven gvaqvs sistemuri problema − saqarTvelos ekonomika gamoimuSavebs ufro nakleb dolars da xarjavs ufro mets. sistemuri problemac swored es aris. Semomavali savaluto nakadebi gamavalze naklebia. erovnuli banki am deficits sakuTari rezervebidan afinansebs. ase rom, sistemur problemasTan intervenciebiT brZola, praqtikulad, gadayrili fulia. mcuravi kursis mTavari arsi aris is, rom dadges im niSnulze, rodesac importi gaxdeba im zomis, risi savaluto saSualebebic aqvs ekonomikas. pirdapiri intervenciebi, rac mimdinare welsac grZeldeba, mcuravi kursis princips ewinaaRmdegeba“. misi TqmiT, sistemuri problemis mogvareba qveynis ekonomikaSi warmoebis potencialis gazrdas ukavSirdeba. „aucilebelia importis Canacvlebaze vimuSaoT, iqneba es sasoflo-sameurneo produqcia Tu nebismieri sxva dasaxelebis produqti, raTa SeZlebisdagvarad Canacvldes importi. aris kidev erTi gamosavalic – gavuSvaT lari mcurav reJimSi da erTxans xelovnurad ar SevaCeroT erovnuli valutis gaufasurebis procesi. . . gagrZeldes gaufasureba. mosaxleobis Semosavali larSia nominirebuli. gazrdili kursis SemTxvevaSi, maT naklebi SesaZlebloba eqnebaT, iyidon dolari. Sesabamisad, Semcirdeba importic da gaumjobesdeba Cveni uaryofiTi savaWro saldo“, – acxadebs levan surgulaZe.
daskvniTi sentencia aSkarad sakamaTod miaCnia samson xonels, radgan finansisti arafers ambobs, rogor gaumklavdnen sabanko valdebulebebs is fizikuri Tu iuridiuli pirebi, romelTac kreditebi swored ucxour valutaSi, ZiriTadad, amerikul dolarSi aqvT aRebuli. informaciisTvis: sabanko seqtoris mTliani sakredito portfelis dolarizaciis maCvenebeli 55.5 procentia!
dabolos, kovid-19-is pandemiis gamo ekonomikur saqmianobaze dawesebuli mkacri SezRudvebi TandaTan ixsneba. savaraudod, male vaqcinaciis procesic daiwyeba. arc is dRea Sors, roca qveyanaSi turistebic Semovlen. es yvelaferi, bunebrivia, erovnuli valutis kursze pozitiurad aisaxeba, magram ramdeniT, amas ukve dro gviCvenebs. . .