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 2

3. jandacvis erovnuli danaxarjebi finansuri wyaroebis mixedviT 2006 wels

4. jandacvis erovnuli danaxarjebi finansuri აგენტების mixedviT 2006 wels 4

5. problemis 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 5

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 6

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 7

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. 8

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 9

10. jandacvis 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! 10

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 11

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 12

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 13

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 14

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 15

16. dazRveuli mosaxleoba 2008 wlis bolosaTvis sadazRvevo programa dazRveulTa raodenoba siRaribis zRvars qvemoT myofi mosaxleobis (umweoTa) samedicino dazRvevis saxelmwifo programa 666 651 maswavleblebis samedicino dazRvevis saxelmwifo programa 83 239 saxelmwifos mier dafinansebuli janmrTelobis dazRvevis sxva programebi 58 611 saxelmwifo dawesebulebebis dazRvevis programebi 51 359 korporatiuli sadazRvevo programebi 184 610 fizikur pirebTan gaformebuli kontraqtebi 28 296 sul 1 072 766 16

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? 17

18. 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. 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) dazRveulebis raodenoba 565 374 moziduli premia 77 245 088 gamomuSavebuli premia 37 769 379 gadaxdili zaralebi 21 991 366 momxdari, 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 1 323 900 20

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

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

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

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? 24