ირაკლი კოვზანაძე, გოგი კონტრიძე - თანამედროვე საბანკო საქმე: თეორია და პრაქტიკა

ramac SeiZleba mniSvnelovani gavlena iqonios bankis finansur mdgo-

mareobaze.
bankma reputaciis riskTan dakavSirebuli politika da proce-
durebi unda gaacnos organizaciuli struqturis yvela donis TanamS-
romels.
bankma unda daadginos reputaciis riski, romelic axasiaTebs
konkretul biznessaqmianobas, maT Soris, sakredito (TanxebiT uzrun-
velyofa), saxazino, sainvesticio da saoperacio saqmianobasa da mom-
saxurebas, miznobrivi dafinansebis, sainformacio teqnologiebisa da
menejmentis sainformacio sistemisa da adamianuri resursebis marTvas.
bankma unda ganaxorcielos reputaciis riskis regularuli moni-
toringi, warsulSi miRebuli zaralis gaTvaliswinebiT da am gamoc-
dilebis Sesabamisad. menejmentis sainformacio sistemas unda SeeZlos
drouli, srulyofili da zusti angariSebis momzadeba reputaciis ris-
kis Sesaxeb, rac daexmareba direqtorats gadawyvetilebebis miRebaSi.
komerciuli bankis menejmens unda esmodes, rom aucilebelia dau­
yovnebeli RonisZiebebis gatareba, raTa gadaWras klienturis nebis-
mieri problema da dava, ramac SeiZleba gazardos bankis reputaciis
riski, maT Soris, banks mudmivi kontaqti unda hqondes klienturasa da
mxareebTan da unda awarmoos ormxrivi molaparakebebi, raTa Tavidan
aicilos braldebebi da samarTlebrivi saCivrebi.

22.8. strategiuli riski

strategiuli riski aris riski, rasac, sxva faqtorebTan erTad,

iwvevs bankis strategiis susti dagegmva da cudi ganxorcieleba, bankis
susti biznesgadawyvetilebebi an bankis mier reagirebis armoxdena gare
cvlilebebze.
komerciuli bankis sameTvalyureo sabWom da direqtoratma kar-
gad unda gaacnobieron bankis garkveuli saqmianobisaTvis damaxasiaTe-
beli strategiuli riski. aq gansakuTrebiT yuradsaRebia is riskebi,
romelTac SeuZliaT mniSvnelovani gavlena iqonion bankis finansur
mdgo­mareobaze.
umaRlesi menejementi valdebulia aqtiurad imuSaos, raTa miiRos
da Seafasos strategiuli riskis kontrolis politika. sameTvalyureo
sabWom da direqtoratma unda SeimuSaon da daamtkicon strategiuli
gegma da biznesgegma (biujeti), romelic moicavs Sesabamisi samarT-
lebrivi debulebebiT gaTvaliswinebul sakiTxebs.
komerciuli bankis direqtoratma regularuli monitoringi unda
gauwios bankis Sida mdgomareobas (Zlier da sust mxareebs) da im gare
faqtorebs, romelTac SeiZleba pirdapiri an arapirdapiri gavlena iqo-
nion bankis biznesstrategiaze.
aucilebelia, komerciul banks hqondes struqtura, romelsac dae-

500
 Tavi 22 - sabanko riskebis saxeobebi

kisreba uflebamosileba da pasuxismgebloba, rac xels Seuwyobs bankis

strategiis, maT Soris, strategiuli gegmisa da biznesgegmis (biujeti),
SemuSavebasa da misi ganxorcielebis monitorings. am struqturas aseve
unda mieniWos uflebamosileba da pasuxismgebloba, gaaanalizos aqtua-
luri da miznobrivi angariSebi biznesgegmasTan dakavSirebiT da moaxse-
nos analizis Sedegebi direqtorats.
strategiuli gegma da biznesgegma (biujeti) unda miiRos direq-
toratma da daamtkicos sameTvalyureo sabWom. am gegmebs unda gaecnos
bankis yvela TanamSromeli da pasuxismgebeli piri organizaciuli
struqturis yvela doneze.

sakontrolo kiTxvebi:

1. ratom warmoadgens sabanko riskebis codna, aRmoCena,

identifikacia da kontroli saxelmwifo interesis obieqts?
2. ra aris sabanko riski?
3. ra SegiZliaT TqvaT sabanko riskebis klasifikaciaze?
4. warmoSobis wyaroebs mixedviT sabanko riskebis klasifikacia
romeli oTxi ZiriTadi mimarTulebis riskebs moicavs?
5. ra Sedis finansuri riskebis jgufSi?
6. romel riskebs moicavs momsaxurebis miwodebis riskebis jgufi?
7. romel saxeobebs moicavs mmarTvelobiTi riskebi?
8. ra Sedis danarCeni (gare) riskebis jgufSi?
9. ras gulisxmobs ZiriTad da araZiriTad saqmianobasTan
dakavSirebuli sabanko riskebi?
10. ras gulisxmobs sabanko riskebi saqmianobis sferoebis mixedviT?
11. rogor daaxasiaTebdiT sakredito risks?
12. ra iciT sakredito riskis warmoSobis mizezebis Sesaxeb?
13. rogoria sameTvalyureo sabWosa da direqtoratis roli
sakredito riskebTan mimarTebaSi?
14. ras niSnavs sabazro riski da romel komponentebs moicavs igi?

501