jaba urotaZe
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ganviTarebul qveynebTan SedarebiT. yvela es faqtori mTlia-
nobaSi SeiZleba xelisSemSleli iyos sapensio angariSze pensio-
neris arsebobisaTvis aucilebeli Tanxis dagrovebisaTvis. re-
formis warmatebiT ganxorcielebisTvis SeiZleba aucilebeli
gaxdes saSemosavlo gadasaxadis Semcireba, rac, Tavis mxriv, Se-
amcirebs sabiujeto Semosavlebs, Tumca grZelvadian perspeq-
tivaSi savaldebulo kerZo dagrovebiTi sapensio sistemis da-
nergva gamoiwvevs sabiujeto xarjebis mniSvnelovan dazogvas
da Semosavlebis zrdas.
reformis pirvelsave wlebSi kerZo sapensio fondebis dag-
rovebiT sapensio angariSebze moxdeba asobiT milioni laris
mobilizeba da sainvesticio resursebis mniSvnelovani zrda,
rac arsebul viTarebaSi investiciebis naklebobis pirobebSi
mniSvnelovani faqtori iqneba qveynis ekonomikuri winsvlisaT-
vis da dadebiTad aisaxeba qveynis sabiujeto Semosavlebis mate-
baze. investiciebis zrda xels Seuwyobs damatebiTi samuSao ad-
gilebis Seqmnas, rac, Tavis mxriv, damatebiTi resursi iqneba
kerZo sapensio fondebSi dagrovebuli Tanxebis gazrdisTvis.
rekomendaciebi
warmodgenili ori alternatividan swored meore, savalde-
bulo kerZo dagrovebiTi sapensio sistemis danergva iqneba sau-
keTeso saSualeba pensionerTa socialur-ekonomikuri mdgoma-
reobis gasaumjobeseblad. SerCeuli alternativis warmatebiT
gansaxorcieleblad unda SemuSavdes misi implementaciis kon-
kretuli RonisZiebebi:
1. aucilebelia ganisazRvros kerZo sapensio fondebSi gax-
snili sapensio angariSebis Sevsebis wyaro, maTi Sevsebis pasu-
xismgeblobas ki gadainawilebs SromiTi urTierTobis monawile
orive mxare: dasaqmebuli gadaricxavs fondSi sakuTari xelfa-
sis 5 procents, xolo damsaqmebeli, Tavis mxriv, sakuTari sax-
srebidan Seavsebs dasaqmebulis pirad sapensio angariSs TanxiT,
romelic aseve Seadgens dasaqmebulis xelfasis 5 procents. am-
gvarad damsaqmebelic inawilebs sakuTari muSakis sapensio
dazRvevis pasuxismgeblobas. es aucilebelia, raTa maqsimalu-
saqarTvelos sapensio politika
da alternatiuli modelebi
319
rad uzrunvelyofil iqnes fondis sapensio angariSze pensione-
ris Rirseuli cxovrebisTvis sakmarisi Tanxis dagroveba.
am sistemaSi aucileblad unda moxdes TviTdasaqmebulTa da
im momuSaveTa CarTva, romlebsac SromiTi xelSekruleba ar
aqvT gaformebuli. aRniSnuli kategoria dasaqmebulTa mniSvne-
lovan nawils Seadgens. mocemuli kontingenti gadaixdis 5 pro-
cents deklarirebuli Semosavlidan, oRond Tanxis odenoba ar
unda aRematebodes kanoniT dadgenil maqsimums.
axal sapensio sistemaSi CarTul momuSaveebs es valdebule-
ba zedmet tvirTad rom ar daawves, unda moxdes saSemosavlo ga-
dasaxadis amave odenobiT Semcireba, an sakanonmdeblo doneze
unda iqnes dadgenili saSemosavlo gadasaxadis garkveuli nawi-
lis savaldebulo wesiT ganTavseba kerZo sapensio angariSze.
2. savaldebulo kerZo dagrovebiT sapensio sistemaSi unda
gaerTiandes im kategoriis mosaxleoba, romlebsac axali siste-
mis SemoRebis momentidan, pensiaze gasvlis uflebis dadgomis
dromde, eqnebaT saSualeba daagrovon sakmarisi raodenobis
Tanxa, rom SesaZlebloba hqondeT uzrunvelyon Rirseuli sibe-
re sakuTari TavisTvis.
amitom axal sapensio sistemaSi yofna iqneba savaldebulo
mxolod 35 wlamde asakis mosaxleobisTvis. 35-dan 50 wlamde mo-
saxleobisTvis SedarebiT rTuli iqneba pensiaze gasvlis Semdeg
saarsebod aucilebeli, sakmarisi raodenobis Tanxis dagroveba,
amitom maT saSualeba unda mieceT Tavad gadawyviton, Tu ro-
mel sapensio sistemaSi darCnen — ZvelSi, Tu axalSi. 50 wels ze-
moT mosaxleoba ki Zvel sistemaSi darCeba, Tumca maT saSualeba
eqnebaT miiRon monawileoba nebayoflobiT dagrovebiT sapen-
sio sqemebSi, Semosavlebis nawilis kerZo sapensio fondebSi
gaxsnil pirad sapensio angariSebze gadaricxvis gziT. Tanxis
odenobas ki isini damoukideblad gansazRvraven.
3. savaldebulo kerZo dagrovebiTi sapensio sistemis warma-
tebuli danergvisaTvis, raTa mas sasurveli Sedegi, pensioner-
Ta socialur-ekonomikuri mdgomareobis gaumjobeseba mohyves,
aucilebelia aqtiuri sainformacio kampaniis Catareba mosax-
leobaSi imisaTvis, rom maT gauCndeT ndoba axali sapensio sis-
temis mimarT. swored mosaxleobis maRalma aqtiurobam da ini-
jaba urotaZe
320
ciativam didwilad unda ganapirobos reformis warmateba. au-
cilebelia mosaxleobis darwmuneba imaSi, rom axali sapensio
sistema sasargeblo iqneba maTTvis da qveynis ganviTarebisaT-
vis. mosaxleobas unda hqondes Sesabamisi codna axali sapensio
sistemis funqcionirebis yvela mniSvnelovan aspeqtTan dakav-
SirebiT, raTa SesaZlebloba hqondeT maqsimalurad efeqtianad
ganaxorcielon sakuTari uflebebi da Seasrulon valdebule-
bebi.
efeqtiani sainformacio da sareklamo kampania xels Seuwy-
obs kerZo sapensio fondebis mimarT ndobis amaRlebas mosaxle-
obaSi, rac Tavis mxriv ganapirobebs meti Tanxebis mozidvas am
sferoSi, aamaRlebs biznesis dainteresebas kerZo sapensio fon-
debis mimarT, rac ganapirobebs am sferos momgebianobas.
SemoTavazebuli savaldebulo kerZo dagrovebiTi sapensio
sistemis danergviT gaizrdeba kerZo seqtoris mniSvneloba da
socialuri pasuxismgebloba mosaxleobis sapensio dazRvevis
kuTxiT. dasaqmebuli Tavad iqneba pasuxismgebeli sakuTari si-
beris uzrunvelyofaze, saxelmwifo ki mxolod socialurad da-
ucveli mosaxleobis sapensio uzrunvelyofaze gaxdeba orien-
tirebuli. moxdeba kerZo sapensio fondebSi didi raodenobis
sapensio Tanxebis dagroveba da maTi sainvesticio resursebis
saxiT gamoyeneba, rac mniSvnelovani faqtori iqneba qveynis eko-
nomikis ganviTarebisaTvis.
literatura:
1.
`saxelmwifo pensiis Sesaxeb~ saqarTvelos kanoni.
23.12.2005.
2.
`arasaxelmwifo sapensio dazRvevisa da uzrunvelyofis
Sesaxeb~ saqarTvelos kanoni. 30.10.1998.
3.
saqarTvelos statistikis erovnuli samsaxuris ofici-
aluri vebgverdi: http://geostat.ge/.
4.
saqarTvelos finansTa saministros oficialuri veb-
gverdi: http://mof.ge/.
5.
saqarTvelos erovnuli bankis oficialuri vebgverdi:
http://www.nbg.gov.ge/index.php?m=493
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