jandacvis dafinanseba da dazrveva aleqsandre omanaze aqtuarebis da finansuri analitikosebis...

jandacvis dafinanseba da jandacvis dafinanseba da dazRvevadazRveva

aleqsandre omanaZe

aqtuarebis da finansuri analitikosebis asociacia

1 ivlisi, 2009

saqarTvelos social-ekonomikuri da saqarTvelos social-ekonomikuri da jandacvis maCveneblebi (2006)jandacvis maCveneblebi (2006)

mosaxleoba – 4.4 mlndasaqmebuli mosaxleoba – 1.5 mln

◦ maT Soris saSemosavlo gadasaxadis gadamxdeli – daaxloebiT 600’000

sapensio asakis mosaxleoba – 722’000mTliani Sida produqti erT sulze – 3133

larijandacvis erovnuli danaxarji erT sulze –

260 larihospitaluri mimarTvianoba 6.3%vizitebi saSualo raodenoba pjd

dawesebulebebSi erT sulze – 1.5 2

jandacvis erovnuli danaxarjebi finansuri jandacvis erovnuli danaxarjebi finansuri wyaroebis mixedviT 2006 welswyaroebis mixedviT 2006 wels

jandacvis erovnuli danaxarjebi finansuri jandacvis erovnuli danaxarjebi finansuri აგენტების აგენტების mixedviT 2006 welsmixedviT 2006 wels

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problemis aRweraproblemis aRwera

jandacvis dafinansebis ZiriTadi maxasiaTebeli

saqarTveloSi: jibidan gadaxdebis didi wili

Tanmdevi problemebi

◦ avadmyofoba adamianisaTvis iwvevs mniSvnelovan,

zogjer katastroful finansur danaxarjs

◦ samedicino momsaxurebis utilizaciis dabali

maCveneblebis mTavari mizezi

◦ finansuri safrTxeebisagan daucveloba – siRaribis erT-erTi

mniSvnelovani faqtori

◦ finansuri Suamavlebis ararseboba iwvevs kerZo saxsrebis

araefeqtur xarjvas

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jandacvis sistemis jandacvis sistemis SesaZleblobebiSesaZleblobebi

saqarTvelo dabali saSualo Semosavlebis qveyanaa

saqarTvelos sagadasaxado politika mimarTulia sagadasaxado ganakveTebis Semcirebaze

gadasaxadis gadamxdeli moqalaqeebi warmoadgenen mTeli mosaxleobis 14%-s, xolo sapensio asakis mosaxleoba – 16%-s.

jandacvis danaxarjebis udides wils warmoadgens mosaxleobis mier jibidan gadaxdebi

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jandacvis sistemis jandacvis sistemis SesaZleblobebiSesaZleblobebi

solidarul principze dafuZnebuli socialuri sistemis

danergva moiTxovs sabiujeto saxsrebis mniSvnelovan

gazrdas socialuri gadasaxadebis gazrdis xarjze, rac

ewinaaRmdegeba qveynis ekonomikur politikas

dafinansebis savaldebulo instrumentebis (kerZo an

saxelmwifo) danergviT ver moicav mosaxleobis did

nawils

jandacvaze daxarjuli saxsrebis udidesi nawili kerZoa;

am xarjis optimizacia SesaZlebelia nebayoflobiTi

dazRvevis ganviTarebiT, rac TavisTavad moxdeba

droTa ganmavlobaSi

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janmrTelobis dazRveva janmrTelobis dazRveva saqarTveloSi 2006 wlisaTvissaqarTveloSi 2006 wlisaTvis

ZiriTadad korporatiuli dazRvevis bazarimoziduli premia 18,7 milionizrdis maRali tempi – saSualod 70%dazRveulTa raodenoba daaxloebiT 100’000 jandacvis erovnuli danaxarjis 1% ‘TavisTavadi’ ganviTarebis mTavari

problema: dazRveva emsaxureba momavali safrTxeebis mogvarebas, da ara ukve arsebuli problemebisa.

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jandacvis saxelmwifo jandacvis saxelmwifo danaxarjebi 2006 wlamdedanaxarjebi 2006 wlamde

sazogadoebrivi jandacvajandacvis ‘universaluri’ programebi

◦ konkretuli servisebi ‘ufasoa’ yvelasaTvis

◦ arsebuli biujetidan gamomdinare am servisebis sia Zalzed SezRudulia

saxelmwifo saxsrebis administrireba xdeba erTiani SemsyidveliT - socialuri dazRvevis erTiani saxelmwifo fondiT

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jandacvis dafinansebis reformajandacvis dafinansebis reforma

politikis arCevani #1: rogori unda iyos jandacvis saxelmwifo biujetis miznobrioba?◦ yvela moqalaqes mieces Tanabari

sargebeli (Semosavlis/ socialuri mdgomareobis miuxedavad)

◦ fuli daixarjos mxolod miznobriv jgufebze

yuradReba: socialuri benefitis moculoba Semcirdeba mosargebleebis raodenobis zrdasTan erTad!

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politikis arCevani #1: rogori unda iyos jandacvis saxelmwifo biujetis miznobrioba?

gadawyvetileba: saxelmwifo saxsrebi daixarjeba mxolod miznobriv jgufebze◦socialurad daucvelni◦asakovani mosaxleoba

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politikis arCevani #2: rogor unda moxdes benefitis miwodeba miznobrivi jgufebisaTvis?saxelmwifo Tavad awarmoebs

saboloo produqtssaxelmwifo Seisyidis samedicino

servisssaxelmwifo Seisyidis janmrTelobis

gauaresebis finansuri riskisagan dacvas

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politikis arCevani #2: rogor unda moxdes benefitis miwodeba miznobrivi jgufebisaTvis?

gadawyvetileba: miznobrivi jgufebis samedicino riskebisgan dacva kerZo sadazRvevo meqanizmebiT

ZiriTadi argumenti: dazRvevis xelmisawvdomobis gazrda mTeli mosaxleobisaTvis

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politikis arCevani #3: rogor moxdes dazRvevis Sesyidva?◦saxelmwifo Sesyidva (tenderi)◦sadazRvevo vauCeri

gadawyvetileba: sadazRvevo vauCeri◦beneficiari TviTon iZens dazRvevas,

saxelmwifo aris mxolod premiis gadamxdeli

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umweoTa dazRvevis programebi◦samTavrobo◦adgilobrivi TviTmmarTvelobebis

saxelmwifo aqtiurad iwyebs mis mier daqiravebul adamianTaTvis dazRvevis SeZenas/organizebas◦pedagogebi◦Zalovani struqturebi◦saxelmwifo dawesebulebebi

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dazRveuli mosaxleoba 2008 wlis dazRveuli mosaxleoba 2008 wlis bolosaTvisbolosaTvis

sadazRvevo programadazRveulTa raodenoba

siRaribis zRvars qvemoT myofi mosaxleobis (umweoTa) samedicino dazRvevis

saxelmwifo programa 666 651maswavleblebis samedicino dazRvevis

saxelmwifo programa 83 239saxelmwifos mier dafinansebuli janmrTelobis

dazRvevis sxva programebi 58 611saxelmwifo dawesebulebebis dazRvevis

programebi 51 359korporatiuli sadazRvevo programebi 184 610

fizikur pirebTan gaformebuli kontraqtebi

28 296sul 1 072 766

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sadiskusio sakiTxebisadiskusio sakiTxebi

gamoikveTa Tu ara axali garemoebebi (an safrTxeebi), romlebic iTxoven reformis dizainis/filosofiis gadasinjvas

ra zemoqmedebas (mo)axdens dafinansebis axali modelis samedicino momsaxurebis miwodebaze (xarisxi, asortimenti, xelmisawvdomoba)

ra saxis axali riskebi SeiZleba gaaCinos dafinansebis sistemis reformirebam?

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mTavari gamowvevebi reformis mTavari gamowvevebi reformis mimdinareobis procesSimimdinareobis procesSi

deregulirebuli garemo – vin adgens TamaSis wesebs?

axali biznes urTierTobebixarisxis da

xelmisawvdomobis uzrunvelyofa

momxmarebelTa ganaTleba, mediacia

momxmarebelTa uflebebi

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axali midgomebi reformis axali midgomebi reformis mimdinareobis mimdinareobis

xelSewyobisaTvisxelSewyobisaTvis

sadazRvevo-teqnikuri sabWourTierTobis axali standartebis

danergva – standartuli kontraqtebi, angariSgeba

janmrTelobis dazRvevis mediaciis samsaxuri

finansuri maCveneblebi (umweoTa finansuri maCveneblebi (umweoTa dazRveva 2008)dazRveva 2008)

dazRveulebis raodenoba 565 374

moziduli premia 77 245 088

gamomuSavebuli premia 37 769 379

gadaxdili zaralebi 21 991 366momxdari, magram dauregulirebeli

zaralebis rezervi 3 868 402

momxdari, magram ganucxadebeli zaralebis rezervi 3 071 415

administraciuli xarji 2 382 176

akviziciuri xarji 5 132 119

zaralianobis wminda koeficienti 76,6%zaralianobis kombinirebuli

koeficienti 96%

saoperacio rezultati 1 323 90020

dauzRveveli mosaxleobadauzRveveli mosaxleoba

sapensio asakSi myofiTviTdasaqmebuli an araformalur

seqtorSi dasaqmebuli adamianebi da maTi ojaxis wevrebi

korporatiuli segmentis TiTqmis naxevari

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politikis arCevani: rogor movaxdinoT politikis arCevani: rogor movaxdinoT TviTdasaqmebuli mosaxleobis sistemaSi TviTdasaqmebuli mosaxleobis sistemaSi

CarTva?CarTva?

Znelad mobilizebadi dazRvevis jgufuri xelSekrulebebSi CarTvisTvis

maTTvis rTulia dazRvevis sitemaSi Sesvla◦antiseleqcia◦inkasireba

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mcdeloba #1: iafi dazRvevis mcdeloba #1: iafi dazRvevis saxelmwifo programasaxelmwifo programa

sadazRvevo momsaxurebis subsidireba

bazisuri dafarva‘Sansi gaxde axali sadazRvevo

kulturis nawili’mimdinare Sedegi – 60’000

dazRveuli

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sadiskusio sakiTxebisadiskusio sakiTxebi

reformis ganxorcielebas Tan axlavs mravali problema; ramdenad efeqturad xerxdeba maTi daZleva?

reformis mTavari mizania jandacvis dafinansebis uzrunvelyofa mTeli mosaxleobisaTvis; ra nabijebi unda gadaidgas amisaTvis?

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jandacvis dafinanseba da dazrveva aleqsandre omanaze aqtuarebis da finansuri analitikosebis...

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