საპენსიო სესხს ზედა ზღვარი დაუწესდა
ხატია იაშვილი 27 48 93 –
sapensio sesxebze xmamaRali politikuri gancxadebebi drodadro aqtiurdeboda. am TvalsazrisiT parlamentSi ramdenime politikuri Zala gamoirCeoda. politikosebi pensionerebs sesxebze saprocento ganakveTebis Semcirebas hpirdebodnen, Tumca rogor, amas ver akonkretebdnen
faqtia, xmamaRali politikuri gancxadebebiT sesxis procenti ar iklebda da verc daiklebda, mosaxleoba ki fuWi politikuri dapirebebiT imedgacruebuli rCeboda. isic iTqva, rom roca saqme argumentirebul msjelobamde midioda, politikosebma isic ki ar icodnen, ramdeni pensioneri cxovrobda iseT regionSi, sadac arc bankomatia, arc bankis filiali da pensias bankis TanamSromlebi cxenebiT arigeben.
ase iyo Tu ise, dRes ukve gadailaxa yvela barieri da sapensio sesxis procentis sakiTxTan dakavSirebiT gadawyvetileba miRebulia. sesxebi pensionerebisTvis, savaraudod, Semcirdeba saSualod 10%-iT, dawesdeba zeda zRvari da es iqneba 25-26%, im SemTxvevaSi Tu pensionerebi gadawyveten sesxis aRebas. garda amisa, TanadafinansebiT Semodis saxelmwifo da swored biujetidan, daaxloebiT 15 milioni lari gamoiyofa, raTa bankma uzrunvelyos Tanxebis miwodeba pensionerebisTvis.
rogor Sexvdnen sesxiT Sewuxebuli pensionerebi am siaxles?
am sakiTxze gTavazobT pres-gamokiTxvas. respondentebis simcires ar vuCiodiT, radgan yvelam moindoma sakuTari azris gamoTqma, miT umetes, rom dasakargi araferi aqvT. gansakuTrebiT wuxdnen pensiebis simcires, radgan 100-dan 90%-s sesxi aqvs aRebuli, romelic drosa da sivrceSi isea gawelili, aRarc ki ician, rodis dasruldeba.
nana nadaraia: – raRac usaSvelo sesxia, zustad sami wlis win aviRe, 1000 laric ar iyo, mas Semdeg vixdi yovelTviurad 70 lars. iqneb am wlis bolos davasrulo. gaugebaria. ra procenti damaricxes aseTi, riT ver gadavixade. . . moxucebis umetesobas aqvs aRebuli sesxi da icis, rom sicocxlis bolomde mouwevs gadaxda, radgan aravin aravis winaSe ar iRebs valdebulebas, rom gadaxedon am process. elementaruli maTematikac ki sakmarisia imis misaxvedrad, ramxela procentebs gvaxveven Tavs.
kote barbaqaZe: – ra giTxra, Svilo, kapikebis Semyure var. aseTi gamwarebuli da damSeuli sibere Tu meqneboda, ar megona. mTeli sicocxle vSromobdi, pedagogi viyavi, araerTi Taoba gamovzarde, magram axla puris fulic ki saTxovari gamixda, radgan pensiis naxevars banki iRebs. namdvili mevaxSeebi arian, aseTebs adre kedelTan ayenebdnen. . . mapatieT, tiranias arasodes vukmevdi sakmevels, magram xandazmuli adamianebis aseT kabalaSi Cagdeba rogor SeiZleba?!
lamara andRulaZe: – sesxi, rogor ar maqvs. iciT romelime pensioneri, visac ara aqvs?! 500 lari gamovitane, maRaziebSi `nisia~ rom gadamefara. arc Semixedia, ramden procents maricxavdnen. simarTle giTxraT, iseTi gamwarebuli viyavi, arc amas Sevxedavdi. isic vifiqre, rom movkvde, pirSercxvenili rogor wavide saiqioSi-meTqi. ar movkvdi, genacvale, gadavrCi da. . . sruli pensiis aRebas, albaT, ver moveswrebi.
germane focxiSvili: – ar mindoda acra, magram rom miTxres, amaSi 200 lars mogcemTo, wavedi da aviceri. mrcxvenia, axla amas rom vambob, magram ise gagvamaTxovres, rom SiSis grZnobasac vZlie, an ra aris es 200 lari, raSi gyofnis, magram saerTod rom araferi gaqvs, kai fulia. . . (icinis) hoda, vdgavar axla, biZia, ager – bankTan da velodebi. imdeni vali damigrovda, es ras meyofa, magram. . .
natalia zedgeniZe: – ar amiRia sesxi, Svili marCens, ar var cudad, magram sxvebma ra qnan? mezoblebi myavs, pensiaze rom arian damokidebuli. ise uWirT, maTi codviT ar var. Tan sesxebi aqvT aRebuli. ra eqnaT, uWirdaT.
fati beriZe: – pedagogi viyavi da `qarTuli ocnebis~ momxre. jer iyo da, imdeni fuli momces, pensiaze rom gamiSves, patara maRazia gavxseni da axlac marCens. axla es orasi laric – acrisTvis, Semdeg isic Tqves, pensionerebs sesxis procents movuklebTo, ician xalxis pativiscema. sxva mTavrobebs msgavsi aravis mosvlia TavSi. SeiZleba raRac Secdomebi ki aqvT, magram vis ar aqvs? vinc saqmes akeTebs, is cdeba. verafers cuds mTavrobaze ver maTqmevinebT.
* * *
mTavrobis administraciaSi sapensio sesxis procentis sakiTxTan dakavSirebiT gamarTuli Sexvedris Semdeg cnobili gaxda, rom sapensio sesxis procentis zeda zRvari 26%-mde daiwevs. gadawyvetilebis Sesabamisad, saxelmwifo pensiebis darigebis momsaxurebaSi potenciur gamarjvebul banks erTi wlis ganmavlobaSi 15 milion lars gadauxdis.
Tebervlis bolos bankebisTvis konkursi gamocxaddeba, sadac gairkveva, romeli banki daarigebs pensiebs. am etapze interesi `liberTi bankma~ da `saqarTvelos bankma~ gamoTqves.
amasTan, rogorc parlamentis wevrma `qarTuli ocnebidan~ irakli zarquam aRniSna, survilis SemTxvevaSi, pensioneri SeZlebs pensiis sxva, sasurvel bankSi miRebas: `daaxloebiT 15 milioniT Seexideba saxelmwifo pensiebis darigebaSi potenciur gamarjvebul banks. aseve, zeda zRvari Semcirda, rac iyo Cveni gundis survili da maT Soris, opoziciac amisTvis iRvwoda, rom procenti daweuliyo da ara populisturi, aramed adekvaturi 26 procentis farglebSi yofiliyo. aseve, vTxoveT erovnul banks, rom uSualod pensionerebisTvis calke cxeli xazi Seeqmna~.
strategia aRmaSeneblis liderma giorgi vaSaZem ganacxada: `Zalian male, albaT, amas dasWirdeba daaxloebiT 3 Tve, sapensio sesxis procenti, vfiqrob, minimum 10%-iT Semcirdeba. meore mniSvnelovani miRweva aris is, rom erovnulma bankma faqtobrivad daadastura, rom gacilebiT dabal procentSi SeiZleba sapensio sesxis gacema. rogorc maT gviTxres, maTi kvleviT, daaxloebiT, 25%-Si SeiZleba am sesxis gacema. aqedan gamomdinare, komisiis gadawyvetilebiT, gamocxaddeba konkursi, riTac SeirCeva banki, romelic momsaxurebas gauwevs pensionrebs, iZulebiT gadaadgilebul, SSm pirebs, magram bankebs ar eqnebaT ufleba 25%-ze meti daadon saprocento ganakveTi am sapensio sesxs~.
SegaxsenebT, rom sapensio gasacemlis mimarTulebiT saxelmwifosa da `liberTi banks~ Soris gaformebul xelSekrulebas vada ewureba. pensiis gacemis Sesaxeb axali tenderis Catarebis sakiTxi ki gansakuTrebiT mas Semdeg gaaqtiurda, rac 2021 aprilSi parlamentSi sapensio sesxebis saprocento ganakveTTan dakavSirebiT diskusia gaimarTa, sadac deputatebis kiTxvebs `liberTi bankis~ generaluri direqtori vasil xodeli pasuxobda.
aRsaniSnavia, rom statistikis erovnuli samsaxuris informaciiT, 2021 wels, saqarTveloSi pensiis da socialuri paketis mimRebTa ricxvma 971 648 piri Seadgina. aqedan, pensiis (asakiT pensia) mimRebi iyo 793 751 piri, romelTagan 71,5% qalia, xolo 28,5% – kaci.
amasTan, regionebis mixedviT pensiis mimRebTa 29,4% TbilisSia, 16,3% – imereTSi, 10,8% – samegrelo-zemo svaneTSi, 9,8% – qvemo qarTlSi, 8,9% – kaxeTSi, danarCen regionebSi ki jamurad 24,8% fiqsirdeba.
`saqstatis~ monacemebiT, socialuri paketis mimReb pirTa saerTo ricxvma 177 897 Seadgina, saidanac 34,7%-s qalebi Seadgenen, xolo 65,3%-s – kacebi.
`socialuri paketis mimRebTagan 71,9%-s SezRuduli SesaZleblobis mqone pirebi warmoadgenen, 12,4%-s – marCenaldakarguli ojaxis wevrebi, 9,9%-s – omis monawileebi, 5,5%-s – saxelmwifo kompensaciis mimRebi pirebi, xolo 0,3%-s – sxva saxis socialuri paketis mimRebi pirebi.
regionebis mixedviT socialuri paketis mimRebTa 26,7% TbilisSia, 16,9% – imereTSi, 11,4% – aWaraSi, 9,7% – samegrelo-zemo svaneTSi, danarCen regionebSi ki jamurad 35,3% fiqsirdeba.
2021 wels miznobrivi socialuri programebis monacemTa bazaSi registrirebuli ojaxebis raodenobam 350 959 erTeuli Seadgina, xolo saarsebo Semweobis mimRebi ojaxebis raodenobam – 174 379-s.
regionebis mixedviT yvelaze meti registrirebuli ojaxi TbilisSi dafiqsirda da 67 aTasi Seadgina, mimRebTa raodenoba ki 38 aTasiT ganisazRvra~, – naTqvamia `saqstatis~ informaciaSi.
parlamentis wevr irakli zarquas gancxadebiT: `arsebobs ramdenime varianti, rac xels Seuwyobs sapensio sesxebze saprocento ganakveTis Semcirebas. dRes socialuri gamwvevebis gamo, gvindoda maTTvis ukeTesi pirobebi SegveTavazebina. arsebobs ramdenime varianti da imedi maqvs, rom pensionerebisTvis maqsimalurad misaReb gzas gamovnaxavT. ramdenime varianti ixileba, maT Sorisaa garkveuli xarjebis dasubsidireba, meore variantia, rom portfelis sadazRvevo meqanizmi SemovitanoT. mesame varianti ki isaa, rom dRes arsebuli efeqturi ganakveTi, rac bazarzea, maqsimalurad qvemoT davwioT~.
aRsaniSnavia isic, rom sabanko momsaxurebis pirobebis gansazRvris uwyebaTaSorisma komisiam gadawyvita, rom momavali erTi Tvis ganmavlobaSi SeirCeva banki, romelic axali pirobebiT gascems pensiebs da sesxebs sapensio uzrunvelyofiT.
rogorc cnobilia, tenderSi komerciuli bankebi miiReben monawileobas, savaraudod, momavali wlidan pensionerebi axali pirobebiT miiReben sesxebs.
პP. ს. 2019 wlis agvistos monacemebiT, sapensio sesxebis efeqturi saprocento ganakveTi 32% iyo. jandacvis saministros monacemebiT, gasuli agvistosTvis saqarTveloSi 754 165 pensioneri cxovrobda. saqarTvelos erovnuli bankis monacemebiT, maTgan naxevarze mets, anu 380 403 pirs, sapensio sesxi hqonda aRebuli.
2018 wels sapensio sesxebis efeqturi saprocento ganakveTi `liberTi bankSi~ 43,55% iyo. amas mowmobs `liberTi banksa~ da erT-erT pensioners Soris 2018 wels gaformebuli xelSekruleba, maSin samomxmareblo sesxi arapensioners rom aeRo, efeqturi saprocento ganakveTi 20-22% iqneboda.
siaxle socialuri pensiebis mimReb pirTaTvis
`socialurad daucveli adamianebi, romlebic saxelmwifo programis farglebSi dasaqmdebian, oTxi wlis ganmavlobaSi garantirebulad SeinarCuneben yvela im benefits, romelic manamde hqondaT~, – ganacxada ekonomikisa da mdgradi ganviTarebis ministrma levan daviTaSvilma. saqarTveloSi socialurad daucvel pirTa dasaqmebis programa 1 martidan amoqmeddeba. dReisTvis, socialurad daucveli piris statusis mqone 600 aTasi moqalaqidan Sromisunariani 200 aTasze meti adamiania. zogi maTgani araoficialuradaa dasaqmebuli, radganac maT saxelmwifo daxmarebis dakargvis eSiniaT.
`oTxi wlis ganmavlobaSi maT garantirebulad SeunarCundebaT yvela is daxmareba, rac manamde hqondaT. Sesabamisad, maT dRes aRar aqvT riski, rom an damalon TavianTi samuSao, an uari Tqvan samuSaos SeTavazebaze~, – ganacxada daviTaSvilma.
premier-ministr irakli RaribaSvilis iniciativiT, is beneficiarebi, romlebic dasaqmebis saxelmwifo programaSi moisurveben monawileobas, socialuri daxmarebisa da anazRaurebis garda, saxelmwifosgan yovelTviurad damatebiT 300 lars miiReben. saubaria sazogadoebriv samuSaoebze.
garda amisa, socialurad daucvel pirebs SesaZlebloba eqnebaT aimaRlon kvalifikacia, SeiZinon garkveuli unar-Cvevebi, romelic maT samuSao bazarze integraciaSi gamoadgebaT.
ministris TqmiT, sazogadoebriv samuSaoebze socialurad daucvelTa dasaqmebis praqtika aTwleulebia warmatebiT xorcieldeba evropis bevr qveyanaSi.
mTavrobaSi fiqroben, rom saxelmwifo programis bevri monawile kerZo seqtorSi dasaqmdeba.
`Cveni mTavari amocana kvlavindeburad aris adamianebis kerZo seqtorSi dasaqmeba saukeTeso pirobebiT. ra Tqma unda, es male ar moxdeba, Cven ver SevZlebT erT dReSi da verc 1 martamde 50 aTasi dasaqmebuli miviRoT, magram es procesi daiwyeba martSi da mTeli wlis manZilze gagrZeldeba~, – aRniSna daviTaSvilma.
xelisufleba pirvel etapze 100 aTasamde socialurad daucvelis dasaqmebas gegmavs.
socialuri momsaxurebis saagentos 2022 wlis monacemebiT, saxelmwifosgan finansur daxmarebas 648 176 piri (175 716 ojaxi) iRebs, rac qveynis mosaxleobis 17,3%-s Seadgens.
socialurad daucveli moqalaqeebis finansuri daxmarebis moculoba damokidebulia reitingul qulaze – rac ufro xelmoklea ojaxi, miT ufro dabalia qula. daxmarebis Tanxa meryeobs 10-dan 60 laramde ojaxis TiToeul wevrze.
