როგორ გავხადოთ კონკურენტუნარიანი საქართველოს საბანკო სისტემა
Abstract
In order to take an active part in the world economic development processes it is necessary for Georgia to form stable banking system. Transition on market economy raises questions of deep reformation in banking system
Despite of the fact that Georgia was not prepared to those changes that to- ok place at the end of XX century, in country was adopted: new banking law, regulation and supervising system of banking (were implemented International Financial reporting Standards IAS, IFRS) was created new methodology of risk assessment and etc.
Despite of positive tendencies, there are a lot of things to be done in banking system: 1) to perfect banking law. 2) To implement complex management 3) To broaden innovation sphere 4) To increase supervision function of National Bank. 5) To provide stability of commercial banks, with forming deposit insurance sys- tem 6) To implement asset management system. 7) To create marketing services.
Implementation of above mentioned conditions will enable commercial banks to improve their asset and liability structure on market. To find more profitable market segment. All these will give them opportunity to function in a competi- tive environment.
In the research author discusse the improvement of innovative management in the Georgian banking system. Development of banking system is impossible without the using of innovations. XXI century is the period of implementing new bank services and conducting new experiments in the sphere of finance. Modern innovative development must include management in the world and al- so in Georgia. Development of innovative management enables us to make new conclusions and to get more generalized results.
For Georgian banks it’s important to increase the quality of offered service permanently and share the western experience creatively in this sphere.
According to the data, on the modern stage there are about 300 kinds of banking services in Georgia. In Russia are 70 of them and in Georgia about 30. Thus there are unused resources in this sphere. We reckon rational first of all to form the system of deposit insurance (in the form of corporation), to implement categories such as: deposit certificate, blank credit and credit at short notice, new account, factoring, leasing and etc.
