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jandacvis dafinanseba da dazRveva

jandacvis dafinanseba da dazRveva. aleqsandre omanaZe aqtuarebis da finansuri analitikosebis asociacia 1 ivlisi, 2009. saqarTvelos social-ekonomikuri da jandacvis maCveneblebi (2006). mosaxleoba – 4.4 mln dasaqmebuli mosaxleoba – 1.5 mln

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jandacvis dafinanseba da dazRveva

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  1. jandacvis dafinanseba da dazRveva aleqsandre omanaZe aqtuarebis da finansuri analitikosebis asociacia 1 ivlisi, 2009

  2. saqarTvelos social-ekonomikuri da jandacvis maCveneblebi (2006) • mosaxleoba – 4.4 mln • dasaqmebuli mosaxleoba – 1.5 mln • maT Soris saSemosavlo gadasaxadis gadamxdeli – daaxloebiT 600’000 • sapensio asakis mosaxleoba – 722’000 • mTliani Sida produqti erT sulze – 3133 lari • jandacvis erovnuli danaxarji erT sulze – 260 lari • hospitaluri mimarTvianoba 6.3% • vizitebi saSualo raodenoba pjd dawesebulebebSi erT sulze – 1.5

  3. jandacvis erovnuli danaxarjebi finansuri wyaroebis mixedviT 2006 wels

  4. jandacvis erovnuli danaxarjebi finansuri აგენტების mixedviT 2006 wels

  5. problemisaRwera • 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

  6. jandacvis sistemis SesaZleblobebi • 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

  7. jandacvis sistemis SesaZleblobebi • 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

  8. janmrTelobis dazRveva saqarTveloSi 2006 wlisaTvis • ZiriTadad korporatiuli dazRvevis bazari • moziduli premia 18,7 milioni • zrdis 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.

  9. jandacvis saxelmwifo danaxarjebi 2006 wlamde • sazogadoebrivi jandacva • jandacvis ‘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

  10. jandacvis dafinansebis reforma • politikisarCevani #1: rogoriundaiyosjandacvissaxelmwifobiujetismiznobrioba? • yvelamoqalaqesmiecesTanabari sargebeli (Semosavlis/ socialuri mdgomareobis miuxedavad) • fulidaixarjosmxolodmiznobrivjgufebze yuradReba: socialuribenefitismoculobaSemcirdebamosargebleebisraodenobiszrdasTanerTad!

  11. jandacvis dafinansebis reforma • politikis arCevani #1: rogori unda iyos jandacvis saxelmwifo biujetis miznobrioba? • gadawyvetileba: saxelmwifo saxsrebi daixarjeba mxolod miznobriv jgufebze • socialurad daucvelni • asakovani mosaxleoba

  12. jandacvis dafinansebis reforma • politikis arCevani #2: rogor unda moxdes benefitis miwodeba miznobrivi jgufebisaTvis? • saxelmwifo Tavad awarmoebs saboloo produqts • saxelmwifo Seisyidis samedicino serviss • saxelmwifo Seisyidis janmrTelobis gauaresebis finansuri riskisagan dacvas

  13. jandacvis dafinansebis reforma • 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

  14. jandacvis dafinansebis reforma • politikis arCevani #3: rogor moxdes dazRvevis Sesyidva? • saxelmwifo Sesyidva (tenderi) • sadazRvevo vauCeri • gadawyvetileba: sadazRvevo vauCeri • beneficiari TviTon iZens dazRvevas, saxelmwifo aris mxolod premiis gadamxdeli

  15. jandacvis dafinansebis reforma • umweoTa dazRvevis programebi • samTavrobo • adgilobrivi TviTmmarTvelobebis • saxelmwifo aqtiurad iwyebs mis mier daqiravebul adamianTaTvis dazRvevis SeZenas/organizebas • pedagogebi • Zalovani struqturebi • saxelmwifo dawesebulebebi

  16. dazRveuli mosaxleoba 2008 wlis bolosaTvis

  17. sadiskusio 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?

  18. mTavari gamowvevebi reformis mimdinareobis procesSi deregulirebuli garemo – vin adgens TamaSis wesebs? axali biznes urTierTobebi xarisxis da xelmisawvdomobis uzrunvelyofa momxmarebelTa ganaTleba, mediacia momxmarebelTa uflebebi

  19. axali midgomebi reformis mimdinareobis xelSewyobisaTvis sadazRvevo-teqnikuri sabWo urTierTobis axali standartebis danergva – standartuli kontraqtebi, angariSgeba janmrTelobis dazRvevis mediaciis samsaxuri

  20. finansuri maCveneblebi (umweoTa dazRveva 2008)

  21. dauzRveveli mosaxleoba • sapensio asakSi myofi • TviTdasaqmebuli an araformalur seqtorSi dasaqmebuli adamianebi da maTi ojaxis wevrebi • korporatiuli segmentis TiTqmis naxevari

  22. politikis arCevani: rogor movaxdinoT TviTdasaqmebuli mosaxleobis sistemaSi CarTva? • Znelad mobilizebadi dazRvevis jgufuri xelSekrulebebSi CarTvisTvis • maTTvis rTulia dazRvevis sitemaSi Sesvla • antiseleqcia • inkasireba

  23. mcdeloba #1: iafi dazRvevis saxelmwifo programa • sadazRvevo momsaxurebis subsidireba • bazisuri dafarva • ‘Sansi gaxde axali sadazRvevo kulturis nawili’ • mimdinare Sedegi – 60’000 dazRveuli

  24. sadiskusio 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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