Tavi 22 - sabanko riskebis saxeobebi • operaciebis, organizaciisa da Sida kontrolis Sesabamisoba samarTlebriv debulebebTan, normatiul aqtebTan, eTikis kode qsTan da biznesstrategiasTan; • Sesabamisoba Sida procedurebTan; • finansuri angariSgebebis xarisxi; • riskis marTvis sainformacio sistemis efeqtianoba da qmediToba; • komunikaciebis efeqtiani gamoyeneba, rac dakavSirebulia samarTlebrivi riskis gavlenasTan organizaciis yvela doneze momuSave TanamSromelze. komerciuli bankis iuridiulma samsaxurma unda ganaxorcielos banksa da sxva mxareebs Soris dadebuli xelSekrulebebis regularuli ganxilva, maT Soris, ganxiluli unda iqnes kanonebisa da normatiuli aqtebis gatarebis efeqtianoba, raTa Semowmdes, kvlavac moqmedebs Tu ara amgvari xelSekrulebebiT gaTvaliswinebuli uflebebi. 22.7. reputaciis riski reputaciis riski aris riski, romelsac, sxva faqtorebTan erTad, iwvevs bankis operaciebTan dakavSirebiT uaryofiTi sajaro gancxadebebis gakeTeba an bankis uaryofiTad warmodgena. komerciuli bankis sameTvalyureo sabWom da direqtoratma kargad unda gaacnobieron bankis garkveul saqmianobasTan dakavSirebuli reputaciis riskebis negatiuri Sedegebi, gansakuTrebiT iseTi riskis, romelmac SeiZleba mniSvnelovani gavlena iqonios bankis finansur mdgomareobaze. menejmentma aqtiurad unda imuSaos, rom daamtkicos da Seafasos reputaciis riskis kontrolis politika. mniSvnelovania, banks hqondes struqtura, romelsac daekisreba Sesabamisi uflebamosileba da pasuxismgebloba, rom kompleqsuri informacia miawodos klienturasa da sxva dainteresebul pirebs, rac bankis mier reputaciis riskis kontrolis Semadgeneli nawili iqneba. banks unda hqondes werilobiTi politika da procedurebi, romlebic Seesabameba gamWvirvalobis principebs da klienturisa da sxva dainteresebuli mxareebisaTvis gaweuli momsaxurebis xarisxis gaumjobesebis moTxovnebs, reputaciis riskis kontrolTan dakavSirebiT. banks unda hqondes da ganaxorcielos saTanado sakomunikacio politika, mediaSi uaryofiTi statiebis, sajaro publikaciebisa da negatiuri informaciis aRkveTasTan dakavSirebiT, romelic miznad isaxavs negatiuri tendenciebis ganviTarebas bankis winaaRmdeg. am politikam, sxva faqtorebTan erTad, unda moicvas efeqtiani mediastrategia, rac negatiur medias daupirispirdeba. bankma unda ganaxorcielos reputaciis riskTan dakavSirebuli procedurebi da Tavidan aicilos amgvari warsuli gamocdileba, 499 ირაკლი კოვზანაძე, გოგი კონტრიძე - თანამედროვე საბანკო საქმე: თეორია და პრაქტიკა ramac SeiZleba mniSvnelovani gavlena iqonios bankis finansur mdgomareobaze. bankma reputaciis riskTan dakavSirebuli politika da procedurebi unda gaacnos organizaciuli struqturis yvela donis TanamSromels. bankma unda daadginos reputaciis riski, romelic axasiaTebs konkretul biznessaqmianobas, maT Soris, sakredito (TanxebiT uzrunvelyofa), saxazino, sainvesticio da saoperacio saqmianobasa da momsaxurebas, miznobrivi dafinansebis, sainformacio teqnologiebisa da menejmentis sainformacio sistemisa da adamianuri resursebis marTvas. bankma unda ganaxorcielos reputaciis riskis regularuli monitoringi, warsulSi miRebuli zaralis gaTvaliswinebiT da am gamocdilebis Sesabamisad. menejmentis sainformacio sistemas unda SeeZlos drouli, srulyofili da zusti angariSebis momzadeba reputaciis riskis Sesaxeb, rac daexmareba direqtorats gadawyvetilebebis miRebaSi. komerciuli bankis menejmens unda esmodes, rom aucilebelia dau yovnebeli RonisZiebebis gatareba, raTa gadaWras klienturis nebismieri 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 kargad unda gaacnobieron bankis garkveuli saqmianobisaTvis damaxasiaTebeli 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 samarTlebrivi 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 iqonion bankis biznesstrategiaze. aucilebelia, komerciul banks hqondes struqtura, romelsac dae500
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