{"id":14206,"date":"2022-02-14T19:05:55","date_gmt":"2022-02-14T19:05:55","guid":{"rendered":"http:\/\/geoeconomics.ge\/?p=14206"},"modified":"2022-02-14T19:05:57","modified_gmt":"2022-02-14T19:05:57","slug":"%e1%83%a1%e1%83%90%e1%83%94%e1%83%a0%e1%83%97%e1%83%90%e1%83%a8%e1%83%9d%e1%83%a0%e1%83%98%e1%83%a1%e1%83%9d-%e1%83%a1%e1%83%90%e1%83%99%e1%83%a0%e1%83%94%e1%83%93%e1%83%98%e1%83%a2%e1%83%9d-%e1%83%a0","status":"publish","type":"post","link":"https:\/\/geoeconomics.ge\/?p=14206","title":{"rendered":"\u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8"},"content":{"rendered":"\n<p>\u10d0\u10d5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e1\u10e2\u10d8\u10da\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0<br><strong>\u10d0\u10e0\u10e9\u10d8\u10da \u10db\u10d4\u10d2\u10e0\u10d4\u10da\u10d8\u10e8\u10d5\u10d8\u10da\u10d8<\/strong><br>\u10d8\u10d5\u10d0\u10dc\u10d4 \u10ef\u10d0\u10d5\u10d0\u10ee\u10d8\u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d8\u10e1 <br>\u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e4\u10d0\u10d9\u10e3\u10da\u10e2\u10d4\u10e2\u10d8\u10e1 III \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8<\/p>\n\n\n\n<p><a href=\"mailto:archil.megrelishvili552@eab.tsu.edu.ge\">archil.megrelishvili552@eab.tsu.edu.ge<\/a><\/p>\n\n\n\n<p><strong>\u10d0\u10dc\u10dd\u10e2\u10d0\u10ea\u10d8\u10d0<\/strong><\/p>\n\n\n\n<p>\u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 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\u10e4\u10dd\u10dc\u10d6\u10d4.<\/p>\n\n\n\n<p>Annotation<\/p>\n\n\n\n<p>Global credit rating agencies are important gatekeepers of the debt market and plays a very important role in modern capital markets. Since the global crisis,expansionary monetary policies characterised by historically low interest rates have promoted the use of debt as a viable source of long-term funding. At a corporative level,companies planning to issue debt often need have those debt obligations rated,with investors often relying on the ratings to decide on their portfelio allocation. Its true,that sovereign ratings also help governments from emerging and developing countries to issue bonds to domestic and international investors. The main goal of this research is to determine international credit ratings according to various factors and reflecting the current situation in Georgia against the background of the impact of the pandemic.<\/p>\n\n\n\n<p><strong>\u10e8\u10d4\u10e1\u10d0\u10d5\u10d0\u10da\u10d8<\/strong><\/p>\n\n\n\n<p>\u10e1\u10d0\u10dc\u10d0\u10db \u10e3\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 \u10d5\u10d8\u10e1\u10d0\u10e3\u10d1\u10e0\u10d4\u10d1\u10d7 \u10d0\u10db \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d6\u10d4 \u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d8\u10d0 \u10d2\u10d0\u10dc\u10d5\u10db\u10d0\u10e0\u10e2\u10dd\u10d7, \u10e0\u10d0 \u10d0\u10e0\u10d8\u10e1 \u10d6\u10dd\u10d2\u10d0\u10d3\u10d0\u10d3 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10d3\u10d0 \u10e0\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10db\u10d0\u10e2\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10d8\u10d2\u10d8.<br>\u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d0\u10dc \u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10d4\u10da\u10d8 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d0\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10e1 \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1&nbsp;\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d0\u10e1\u10d7\u10d0\u10dc \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10e3\u10da \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d4\u10e1. \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d8\u10d7, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd \u10d0\u10e4\u10d0\u10e1\u10d4\u10d1\u10e1 \u10db\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0 \u10d3\u10d0 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10e3\u10e0 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1, \u10e0\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2\u10d0\u10ea \u10d0\u10dc\u10d8\u10ed\u10d4\u10d1\u10e1 \u10db\u10d0\u10e1 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10e1. \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d8 \u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ec\u10d4\u10e1\u10d8, \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10d3\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0\u10ea \u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d6\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0 \u10e1\u10e3\u10e0\u10d7. \u10e1\u10d0\u10d2\u10d0\u10e0\u10d4\u10dd \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d6\u10d4 \u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e8\u10d5\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d3\u10d0, \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10db\u10d8\u10e1\u10d0\u10e6\u10d4\u10d1\u10d0\u10d3, \u10d9\u10d8\u10d3\u10d4\u10d5 \u10d4\u10e0\u10d7\u10d8, \u10e1\u10d0\u10d4\u10e0\u10d7\u10dd \u10db\u10dd\u10e2\u10d8\u10d5\u10d0\u10ea\u10d8\u10d0 \u10de\u10d8\u10e0\u10d3\u10d0\u10de\u10d8\u10e0\u10d8 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0\u10d8 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d6\u10d8\u10d3\u10d5\u10d0\u10d0. [1]<\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0<\/strong><\/p>\n\n\n\n<p>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d8\u10e1\u10d0\u10e1 \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10d4\u10d1\u10d8 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0 \u10db\u10d4\u10d7\u10dd\u10d3\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d9\u10d0\u10da\u10d4\u10d1\u10e1 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc, \u10d7\u10e3\u10db\u10ea\u10d0 \u10db\u10ea\u10d8\u10e0\u10d4\u10d3\u10d8 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d3\u10d0, \u10db\u10d4\u10d7\u10dd\u10d3\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10d8\u10ea\u10d0 \u10d3\u10d0 \u10e1\u10d9\u10d0\u10da\u10d4\u10d1\u10d8\u10ea \u10db\u10d4\u10e2-\u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d0\u10d3 \u10d4\u10e0\u10d7\u10dc\u10d0\u10d8\u10e0\u10d8\u10d0.<br>\u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1, \u10e0\u10dd\u10db \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0 \u10d3\u10d2\u10d0\u10e1 \u10d3\u10d4\u10e4\u10dd\u10da\u10e2\u10d8\u10e1 (\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10e3\u10dc\u10d0\u10e0\u10dd\u10d1\u10d0) \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d0\u10e8\u10d4 \u10d3\u10d0 \u10db\u10d0\u10dc \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10dd\u10d0, \u10e0\u10d7\u10e3\u10da\u10d0\u10d3 \u10d0\u10dc \u10e1\u10d0\u10d4\u10e0\u10d7\u10dd\u10d3 \u10d5\u10d4\u10e0 \u10d3\u10d0\u10d0\u10d1\u10e0\u10e3\u10dc\u10dd\u10e1 \u10e1\u10d0\u10d2\u10d0\u10e0\u10d4\u10dd \u10d5\u10d0\u10da\u10d8. \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d4 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d6\u10d4, \u10db\u10d0\u10d7 \u10e8\u10dd\u10e0\u10d8\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d6\u10d4, \u10d8\u10db\u10de\u10dd\u10e0\u10e2\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d6\u10d4, \u10e8\u10d8\u10d3\u10d0 \u10e4\u10e3\u10da\u10d8\u10e1 \u10db\u10d0\u10e1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0\u10d6\u10d4 \u10d3\u10d0 \u10d0.\u10e8 [1]<br><strong>\u10ea\u10ee\u10e0\u10d8\u10da\u10e8\u10d8 \u10ec\u10d0\u10e0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da\u10d8 \u10da\u10d0\u10d7\u10d8\u10dc\u10e3\u10e0\u10d8 \u10d0\u10e1\u10dd\u10d4\u10d1\u10d8 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d4\u10dc \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10e1, \u10e1\u10d0\u10d3\u10d0\u10ea \u10d3\u10dd\u10db\u10d8\u10dc\u10d8\u10e0\u10d4\u10d1\u10e1 \u10e1\u10d0\u10db\u10d8 \u10d3\u10d8\u10d3\u10d8 \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d4\u10e0\u10d7\u10d0\u10d3&nbsp; \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 \u10d1\u10d0\u10d6\u10e0\u10d8\u10e1 95%\u10e1 \u10e4\u10da\u10dd\u10d1\u10d4\u10dc. Moody\u2019s Investors Sercive \u10d3\u10d0 Standart &amp; Poor\u2019s (S&amp;P), \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da\u10d8 \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 \u10d1\u10d0\u10d6\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d0\u10ee\u10da\u10dd\u10d4\u10d1\u10d8\u10d7 40%-\u10e1,\u10ee\u10dd\u10da\u10dd Fitch Ratings \u10d3\u10d0\u10d0\u10ee\u10da\u10dd\u10d4\u10d1\u10d8\u10d7 15%-\u10e1.<\/strong><\/p>\n\n\n\n<p>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 1 : \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/1-22.png\"><img decoding=\"async\" loading=\"lazy\" width=\"500\" height=\"307\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/1-22.png\" alt=\"\" class=\"wp-image-14208\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/1-22.png 500w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/1-22-300x184.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/a><\/figure>\n\n\n\n<p><em>\u10ec\u10e7\u10d0\u10e0\u10dd : <\/em><a href=\"https:\/\/forbes.ge\/saerthashoriso-sakredito-reitingebi-da-mathi-mnishvneloba-saqarthvelosthvis\/?fbclid=IwAR12n6fnDbx4ByL6AHWtpZqHgCxxfTX3sTNJQl7lV2yk18kuA7jrc23z0zY\"><em>https:\/\/forbes.ge\/saerthashoriso-sakredito-reitingebi-da-mathi-mnishvneloba-saqarthvelosthvis\/?fbclid=IwAR12n6fnDbx4ByL6AHWtpZqHgCxxfTX3sTNJQl7lV2yk18kuA7jrc23z0zY<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><br>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 1-\u10d3\u10d0\u10dc \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d5\u10ee\u10d4\u10d3\u10d0\u10d5\u10d7, \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10e3\u10db\u10d0\u10e6\u10da\u10d4\u10e1\u10d8 \u10e1\u10d0\u10e4\u10d4\u10ee\u10e3\u10e0\u10d8\u10d0 AAA, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e1 \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10d8\u10d7 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc \u10d3\u10d0 \u10e1\u10d0\u10dc\u10d3\u10dd \u10d2\u10d0\u10db\u10dd\u10db\u10e8\u10d5\u10d4\u10d1\u10d4\u10d1\u10e1 \u10d4\u10dc\u10d8\u10ed\u10d4\u10d1\u10d0\u10d7.&nbsp;<strong>\u10e1\u10d0\u10db\u10d8\u10d5\u10d4<\/strong><strong> <\/strong><strong>\u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10e1<\/strong><strong> <\/strong><strong>\u10db\u10d8\u10d4\u10e0<\/strong><strong> AAA <\/strong><strong>\u10e1\u10e2\u10d0\u10e2\u10e3\u10e1\u10d8\u10d7<\/strong><strong> (<\/strong><strong>\u10d4<\/strong><strong>.<\/strong><strong>\u10ec<\/strong><strong>. \u201eTriple AAA\u201d)<\/strong> <strong>\u10e1\u10e3\u10da<\/strong><strong> <\/strong><strong>\u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4<\/strong><strong> <\/strong><strong>\u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0<\/strong><strong> <\/strong><strong>\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd\u10d1\u10e1, \u10d4\u10e1\u10d4\u10dc\u10d8\u10d0<\/strong><strong>: <\/strong><strong>\u10dc\u10d8\u10d3\u10d4\u10e0\u10da\u10d0\u10dc\u10d3\u10d4\u10d1\u10d8\u10e1<\/strong><strong> <\/strong><strong>\u10e1\u10d0\u10db\u10d4\u10e4\u10dd<\/strong><strong>, <\/strong><strong>\u10d0\u10d5\u10e1\u10e2\u10e0\u10d0\u10da\u10d8\u10d0<\/strong><strong>, <\/strong><strong>\u10d9\u10d0\u10dc\u10d0\u10d3\u10d0<\/strong><strong>, <\/strong><strong>\u10d2\u10d4\u10e0\u10db\u10d0\u10dc\u10d8\u10d0<\/strong><strong>, <\/strong><strong>\u10da\u10e3\u10e5\u10e1\u10d4\u10db\u10d1\u10e3\u10e0\u10d2\u10d8<\/strong><strong>, <\/strong><strong>\u10dc\u10dd\u10e0\u10d5\u10d4\u10d2\u10d8\u10d0<\/strong><strong>, <\/strong><strong>\u10e1\u10d8\u10dc\u10d2\u10d0\u10de\u10e3\u10e0\u10d8<\/strong><strong>, <\/strong><strong>\u10e8\u10d5\u10d4\u10d3\u10d4\u10d7\u10d8<\/strong><strong> <\/strong><strong>\u10d3\u10d0<\/strong><strong> <\/strong><strong>\u10e8\u10d5\u10d4\u10d8\u10ea\u10d0\u10e0\u10d8\u10d0<\/strong><strong>.<\/strong><strong> <\/strong>\u10d0\u10e6\u10e1\u10d0\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d8\u10d0, \u10e0\u10dd\u10db&nbsp;<strong>\u10d0\u10db<\/strong><strong> <\/strong><strong>\u10e1\u10d8\u10d0\u10e8\u10d8<\/strong><strong> <\/strong><strong>\u10d0\u10e0<\/strong><strong> <\/strong><strong>\u10e8\u10d4\u10d3\u10d8\u10e1<\/strong><strong> <\/strong><strong>\u10d0\u10e0\u10ea<\/strong><strong> <\/strong><strong>\u10d0\u10e8\u10e8<\/strong><strong> <\/strong><strong>\u10d3\u10d0<\/strong><strong> <\/strong><strong>\u10d0\u10e0\u10ea<\/strong><strong> <\/strong><strong>\u10d2\u10d0\u10d4\u10e0\u10d7\u10d8\u10d0\u10dc\u10d4\u10d1\u10e3\u10da\u10d8<\/strong><strong> <\/strong><strong>\u10e1\u10d0\u10db\u10d4\u10e4\u10dd<\/strong><em><strong>.<\/strong><\/em><strong> <\/strong>[2]<\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d6\u10d4 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8<\/strong><\/p>\n\n\n\n<p>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d6\u10d4 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d0\u10d3 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0\u10e1 \u10d0\u10ee\u10d3\u10d4\u10dc\u10e1 \u10d4\u10e0\u10d7 \u10e1\u10e3\u10da \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10d6\u10d4 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8, \u10db\u10d7\u10d0\u10d5\u10e0\u10dd\u10d1\u10d8\u10e1 \u10e3\u10d9\u10d5\u10d4 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10d8, \u10e0\u10d4\u10d0\u10da\u10e3\u10e0\u10d8 \u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10d7\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d8\u10dc\u10e4\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8. \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10d4\u10d1\u10d8 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10dd\u10d1\u10e0\u10d8\u10d5, \u10d8\u10e1\u10d4 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10e0\u10d8\u10d5 \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10d0\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10d3\u10d2\u10d4\u10dc\u10d0\u10d3.<\/p>\n\n\n\n<p><strong>\u10d4\u10e0\u10d7<\/strong><strong> <\/strong><strong>\u10e1\u10e3\u10da<\/strong><strong> <\/strong><strong>\u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10d6\u10d4<\/strong><strong> <\/strong><strong>\u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8<\/strong> &#8211; \u10d4\u10e0\u10d7 \u10e1\u10e3\u10da \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10d6\u10d4 \u10db\u10d8\u10e6\u10d4\u10d1\u10e3\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d0\u10e4\u10d0\u10e1\u10d4\u10d1\u10e1 \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da \u10e1\u10e4\u10d4\u10e0\u10dd\u10e8\u10d8 \u10d4\u10e0\u10d7 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d6\u10d4 \u10db\u10d8\u10e6\u10d4\u10d1\u10e3\u10da \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10e1. \u10d4\u10e0\u10d7 \u10e1\u10e3\u10da \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10d6\u10d4 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1 \u10db\u10d6\u10d0\u10e0\u10d3 \u10de\u10dd\u10e2\u10d4\u10dc\u10ea\u10d8\u10e3\u10e0 \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10dd \u10d1\u10d0\u10d6\u10d0\u10e1, \u10e0\u10d0\u10ea \u10e8\u10d4\u10db\u10d3\u10d2\u10dd\u10db\u10e8\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10e0\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10e1, \u10d3\u10d0\u10d0\u10d1\u10e0\u10e3\u10dc\u10dd\u10e1 \u10d3\u10d0\u10d5\u10d0\u10da\u10d8\u10d0\u10dc\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<p><strong>\u10d8\u10dc\u10e4\u10da\u10d0\u10ea\u10d8\u10d8\u10e1<\/strong><strong> <\/strong><strong>\u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 <\/strong>&#8211; \u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10d4\u10d1\u10d8 \u10db\u10d2\u10e0\u10eb\u10dc\u10dd\u10d1\u10d8\u10d0\u10e0\u10d4\u10d0 \u10d8\u10dc\u10e4\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10da\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7 \u10d3\u10d0 \u10d8\u10dc\u10e4\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0\u10e1 \u10db\u10dd\u10d0\u10ee\u10d3\u10d4\u10dc\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10d6\u10d4, \u10d3\u10d0\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10dd\u10e1 \u10d7\u10d0\u10d5\u10d8\u10e1\u10d8 \u10d3\u10d0\u10d5\u10d0\u10da\u10d8\u10d0\u10dc\u10d4\u10d1\u10d0. \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d8\u10dc\u10e4\u10da\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 \u10db\u10d8\u10e3\u10d7\u10d8\u10d7\u10d4\u10d1\u10e1 \u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10e3\u10da \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d4\u10d1\u10d6\u10d4 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10e8\u10d8, \u10e0\u10d0\u10db\u10d0\u10ea \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10dd\u10d0, \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d0\u10e0\u10d0\u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d0 \u10d2\u10d0\u10db\u10dd\u10d8\u10ec\u10d5\u10d8\u10dd\u10e1.<\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10d2\u10d0\u10e0\u10d4\u10dd<\/strong><strong> <\/strong><strong>\u10d5\u10d0\u10da\u10d8<\/strong> -Fitch-\u10d8 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d0\u10d3 \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10e1\u10d0\u10db\u10d7\u10d0\u10d5\u10e0\u10dd\u10d1\u10dd \u10d5\u10d0\u10da\u10e8\u10d8 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10d3\u10d8\u10d3 \u10ec\u10d8\u10da\u10e1\u10d0 \u10d3\u10d0 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10dd\u10da\u10d0\u10e0\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da \u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10e1 \u10d0\u10e1\u10d0\u10ee\u10d4\u10da\u10d4\u10d1\u10e1. \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1&nbsp;\u10d5\u10d0\u10da\u10d8\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10ec\u10da\u10d8\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 \u10e3\u10d9\u10d5\u10d4 \u10e1\u10d0\u10d9\u10db\u10d0\u10dd\u10d3 \u10d3\u10d8\u10d3\u10d8 \u10e2\u10d5\u10d8\u10e0\u10d7\u10d8 \u10ee\u10d3\u10d4\u10d1\u10d0. 2020 \u10ec\u10d4\u10da\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10e4\u10d0\u10e0\u10d0\u10d5\u10d0\u10d3 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10db \u10ef\u10d0\u10db\u10e8\u10d8 \u10d3\u10d0\u10d0\u10ee\u10da\u10dd\u10d4\u10d1\u10d8\u10d7 1.8 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8 \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d0,\u10ee\u10dd\u10da\u10dd \u10db\u10d7\u10d0\u10d5\u10e0\u10dd\u10d1\u10d8\u10e1 \u10d5\u10d0\u10da\u10d8 \u10d4\u10e0\u10d7 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10d6\u10d4 7,400 \u10da\u10d0\u10e0\u10d0\u10db\u10d3\u10d4\u10d0. [1]<\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d1\u10d0<\/strong><\/p>\n\n\n\n<p>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8&nbsp;\u10db\u10dd\u10ea\u10d4\u10db\u10e3\u10da\u10d8\u10d0 \u10e1\u10d0\u10ef\u10d0\u10e0\u10dd \u10d0\u10dc \u10d9\u10d4\u10e0\u10eb\u10dd \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d6\u10d4 \u10d2\u10d0\u10e1\u10d0\u10d5\u10e0\u10ea\u10d4\u10da\u10d4\u10d1\u10da\u10d0\u10d3 \u10d0\u10dc, \u10e1\u10d0\u10d3\u10d0\u10ea \u10d4\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0, \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e8\u10d8\u10d3\u10d0 \u10db\u10d4\u10dc\u10d4\u10ef\u10db\u10d4\u10dc\u10e2\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1.<br>\u10d8\u10e1\u10d8\u10dc\u10d8 \u10dc\u10d0\u10ec\u10d8\u10da\u10d3\u10d4\u10d1\u10d0 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2 \u10e1\u10d0\u10e4\u10e3\u10eb\u10d5\u10d4\u10da\u10d6\u10d4:<\/p>\n\n\n\n<ul><li>\u10e1\u10d0\u10ef\u10d0\u10e0\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 (\u10d4\u10db\u10d8\u10e2\u10d4\u10dc\u10e2\u10d8\/\u10d2\u10d0\u10db\u10dd\u10ea\u10d4\u10db\u10d0):&nbsp;\u10d5\u10e0\u10ea\u10d4\u10da\u10d3\u10d4\u10d1\u10d0 \u10d5\u10d4\u10d1\u10e1\u10d0\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10e1\u10d0\u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10dd \u10db\u10d4\u10d3\u10d8\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7, \u10e1\u10d0\u10ef\u10d0\u10e0\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10e3\u10da\u10d8 \u10e4\u10d0\u10e1\u10d8\u10d0\u10dc\u10d8 \u10e5\u10d0\u10e6\u10d0\u10da\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d0\u10dc \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0\u10d8 \u10d6\u10dd\u10db\u10d8\u10e1 \u10d9\u10d4\u10e0\u10eb\u10dd \u10e1\u10d0\u10e1\u10d4\u10e1\u10ee\u10dd \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d4\u10db\u10d8\u10e2\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1.<\/li><li>\u10de\u10d8\u10e0\u10d0\u10d3\u10d8 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 (\u10d2\u10d0\u10db\u10dd\u10db\u10ea\u10d4\u10db\u10d8\/\u10d2\u10d0\u10db\u10dd\u10ea\u10d4\u10db\u10d0):&nbsp;\u10dc\u10d0\u10ec\u10d8\u10da\u10d3\u10d4\u10d1\u10d0 \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd \u10d5\u10d4\u10d1\u10e1\u10d0\u10d8\u10e2\u10d8\u10e1 \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7 75-\u10db\u10d3\u10d4 \u10d3\u10d0\u10e1\u10d0\u10ee\u10d4\u10da\u10d4\u10d1\u10e3\u10da \u10db\u10d4\u10e1\u10d0\u10db\u10d4 \u10db\u10ee\u10d0\u10e0\u10d4\u10d6\u10d4 \u10d2\u10d0\u10e1\u10d0\u10d5\u10e0\u10ea\u10d4\u10da\u10d4\u10d1\u10da\u10d0\u10d3.<\/li><li>\u10d9\u10dd\u10dc\u10e4\u10d8\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 (\u10d6\u10dd\u10d2\u10d0\u10d3\u10d0\u10d3 \u10d4\u10db\u10d8\u10e2\u10d4\u10dc\u10e2\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d4):&nbsp;\u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d1\u10e3\u10da\u10d8,\u10d7\u10e3\u10db\u10ea\u10d0 \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0 \u10d8\u10db \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d4\u10eb\u10d4\u10d1\u10d4\u10dc \u10e8\u10d8\u10d3\u10d0 \u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10e1. [3]<\/li><\/ul>\n\n\n\n<p><strong>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d4\u10d1\u10d6\u10d4 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8<\/strong><\/p>\n\n\n\n<p>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10d4\u10d1\u10d8 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10db\u10d8\u10dc\u10d8\u10ed\u10d4\u10d1\u10d8\u10e1\u10d0\u10e1 \u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d4\u10dc \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 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\u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10d8 \u10dc\u10d0\u10d7\u10d4\u10da\u10d8\u10d0, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d7\u10e3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d4\u10da\u10e1 \u10d0\u10e0 \u10d0\u10e5\u10d5\u10e1 \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d0, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10d3\u10d0\u10d4\u10ea\u10d4\u10db\u10d0. \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d2\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d0 \u10db\u10d8\u10e3\u10d7\u10d8\u10d7\u10d4\u10d1\u10e1 \u10e3\u10e4\u10e0\u10dd \u10eb\u10da\u10d8\u10d4\u10e0 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10de\u10e0\u10dd\u10e4\u10d8\u10da\u10d6\u10d4 \u10d3\u10d0 \u10d6\u10dd\u10d2\u10d0\u10d3\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10d8\u10ec\u10d5\u10d4\u10d5\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d3\u10d0\u10d1\u10d0\u10da \u10e1\u10d0\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d4\u10d1\u10e1.&nbsp;<a href=\"https:\/\/www-investopedia-com.translate.goog\/articles\/pf\/10\/credit-score-factors.asp?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=ka&amp;_x_tr_pto=sc\">\u10e0\u10d8\u10d2\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10e3\u10da\u10d8\u10d0<\/a>&nbsp;\u10d8\u10dc\u10d3\u10d8\u10d5\u10d8\u10d3\u10e3\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0\u10d2\u10d0\u10dc \u10d6\u10dd\u10d2\u10d8\u10d4\u10e0\u10d7\u10e1 \u10e3\u10e4\u10e0\u10dd \u10d3\u10d8\u10d3\u10d8 \u10ec\u10dd\u10dc\u10d0 \u10d0\u10e5\u10d5\u10e1, \u10d5\u10d8\u10d3\u10e0\u10d4 \u10e1\u10ee\u10d5\u10d4\u10d1\u10e1.&nbsp;<\/p>\n\n\n\n<p>\u10d0\u10db \u10ee\u10e3\u10d7\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0 \u10db\u10d8\u10d6\u10d0\u10dc\u10e8\u10d4\u10ec\u10dd\u10dc\u10d8\u10da\u10d8\u10d0 \u10de\u10d8\u10e0\u10d8\u10e1&nbsp;<a href=\"https:\/\/www-investopedia-com.translate.goog\/fico-credit-scores-explained-5072985?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=ka&amp;_x_tr_pto=sc\">FICO \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d8\u10e1<\/a>&nbsp;\u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10d7\u10d5\u10da\u10d4\u10da\u10d0\u10d3 :<\/p>\n\n\n\n<ol type=\"1\"><li>\u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0 (35%)<\/li><li>\u10d3\u10d0\u10d5\u10d0\u10da\u10d8\u10d0\u10dc\u10d4\u10d1\u10d0 (30%)<\/li><li>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d8\u10e1 \u10ee\u10d0\u10dc\u10d2\u10e0\u10eb\u10da\u10d8\u10d5\u10dd\u10d1\u10d0 (15%)<\/li><li>\u10d0\u10ee\u10d0\u10da\u10d8 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8 (10%)<\/li><li>\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10d4\u10d1\u10d8 (10%)<\/li><\/ol>\n\n\n\n<p>FICO-\u10e1 \u10e5\u10e3\u10da\u10d4\u10d1\u10d8 \u10db\u10d4\u10e0\u10e7\u10d4\u10dd\u10d1\u10e1 300-\u10d3\u10d0\u10dc 850-\u10db\u10d3\u10d4, \u10d3\u10d0\u10d1\u10da\u10d8\u10d3\u10d0\u10dc &#8211; \u10d8\u10d3\u10d4\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d4\u10da\u10d8 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 1% \u10d0\u10e6\u10ec\u10d4\u10d5\u10e1.&nbsp;\u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d9\u10d0\u10e0\u10d2\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d0 \u10d6\u10dd\u10d2\u10d0\u10d3\u10d0\u10d3 \u10d0\u10e0\u10d8\u10e1 740 \u10d0\u10dc \u10db\u10d4\u10e2\u10d8.&nbsp;\u10d4\u10e1 \u10e5\u10e3\u10da\u10d0 \u10d9\u10d5\u10d0\u10da\u10d8\u10e4\u10d8\u10ea\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10d8\u10de\u10dd\u10d7\u10d4\u10d9\u10d8\u10e1 \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10e1\u10d0\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d8\u10d7 \u10d3\u10d0 \u10e1\u10ee\u10d5\u10d0&nbsp;<a href=\"https:\/\/www-investopedia-com.translate.goog\/terms\/l\/lineofcredit.asp?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=ka&amp;_x_tr_pto=sc\">\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10ee\u10d0\u10d6\u10d4\u10d1\u10d8\u10e1<\/a>&nbsp;\u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10ee\u10d4\u10da\u10e1\u10d0\u10e7\u10e0\u10d4\u10da\u10d8 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10d7.<sup><\/sup><\/p>\n\n\n\n<p>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d8\u10d7, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10dd\u10d7\u10d0\u10d5\u10e1\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 580-\u10d3\u10d0\u10dc 740-\u10db\u10d3\u10d4, \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1&nbsp;<a href=\"https:\/\/www-investopedia-com.translate.goog\/terms\/f\/financing.asp?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=ka&amp;_x_tr_pto=sc\">\u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0<\/a>&nbsp;\u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d8\u10e7\u10dd\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10da\u10d8, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10e1\u10d0\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d4\u10d1\u10d8 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d8\u10e1 \u10d5\u10d0\u10e0\u10d3\u10dc\u10d8\u10e1\u10d0\u10e1.&nbsp;580-\u10d6\u10d4 \u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e5\u10e3\u10da\u10d8\u10e1 \u10db\u10e5\u10dd\u10dc\u10d4 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10e1 \u10e3\u10ed\u10d8\u10e0\u10d7 \u10e0\u10d0\u10d8\u10db\u10d4 \u10e1\u10d0\u10ee\u10d8\u10e1 \u10da\u10d4\u10d2\u10d8\u10e2\u10d8\u10db\u10e3\u10e0\u10d8 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10de\u10dd\u10d5\u10dc\u10d0. [4]<\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8<\/strong><\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10db<\/strong><strong> <\/strong><strong>\u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8<\/strong><strong> <\/strong><strong>\u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8<\/strong><strong> <\/strong><strong>\u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd<\/strong><strong> <\/strong><strong>\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8<\/strong><strong> 2005 <\/strong><strong>\u10ec\u10d4\u10da\u10e1<\/strong><strong> S&amp;P-<\/strong><strong>\u10d8\u10e1\u10d2\u10d0\u10dc<\/strong><strong> <\/strong><strong>\u10db\u10d8\u10d8\u10e6\u10dd<\/strong><strong> <\/strong><strong>\u10d3\u10d0<\/strong><strong> <\/strong><strong>\u10d8\u10d2\u10d8<\/strong><strong> \u201cB+\u201d-<\/strong><strong>\u10d8\u10d7<\/strong><strong> <\/strong><strong>\u10d2\u10d0\u10dc\u10d8\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0<\/strong><strong>, <\/strong><strong>\u10d0\u10db\u10d0\u10e1<\/strong><strong> <\/strong><strong>\u10db\u10dd\u10f0\u10e7\u10d5\u10d0<\/strong><strong> Fitch-<\/strong><strong>\u10d8\u10e1<\/strong><strong> <\/strong><strong>\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8<\/strong><strong> 2007 <\/strong><strong>\u10ec\u10d4\u10da\u10e1<\/strong><strong> \u201eBB-\u201c.<\/strong>&nbsp;\u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10db\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10ec\u10d5\u10da\u10d8\u10da\u10d8 \u10e8\u10d4\u10d8\u10e2\u10d0\u10dc\u10d4\u10e1 \u10db\u10d7\u10d0\u10d5\u10e0\u10dd\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10d4\u10d5\u10e0\u10dd\u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d8\u10e1 ($500\u10db\u10da\u10dc) \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10e8\u10d5\u10d4\u10d1\u10d0\u10e8\u10d8 2008 \u10ec\u10da\u10d8\u10e1 \u10d2\u10d0\u10d6\u10d0\u10e4\u10ee\u10e3\u10da\u10d6\u10d4.<\/p>\n\n\n\n<p>\u10d3\u10d8\u10d0\u10d2\u10e0\u10d0\u10db\u10d0 1 : \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d8\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0 Moody\u2019s \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 (2000-2019\u10ec.\u10ec.)<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/2-19.png\"><img decoding=\"async\" loading=\"lazy\" width=\"450\" height=\"220\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/2-19.png\" alt=\"\" class=\"wp-image-14209\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/2-19.png 450w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/2-19-300x147.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/a><\/figure>\n\n\n\n<p><strong><em>\u10ec\u10e7\u10d0\u10e0\u10dd : <\/em><\/strong><a href=\"https:\/\/bm.ge\/ka\/article\/ra-aris-saertashoriso-sakredito-reitingi-da-ra-gamoyeneba-aqvs-mas\/41899\"><em>https:\/\/bm.ge\/ka\/article\/ra-aris-saertashoriso-sakredito-reitingi-da-ra-gamoyeneba-aqvs-mas\/41899<\/em><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<p>\u10d3\u10d8\u10d0\u10d2\u10e0\u10d0\u10db\u10d0 1-\u10d6\u10d4 \u10ec\u10d0\u10e0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da\u10d8 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7,\u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d3\u10d0\u10d5\u10d0\u10e1\u10d9\u10d5\u10dc\u10d0\u10d7,\u10e0\u10dd\u10db \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e8\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10d8\u10d7 \u10d3\u10dd\u10db\u10d8\u10dc\u10d8\u10e0\u10d4\u10d1\u10d3\u10d0 \u10e0\u10e3\u10e1\u10d4\u10d7\u10d8 2000-2015 \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8, \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d8\u10e1 \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd 2011-2018 \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10d8\u10e0\u10e9\u10d4\u10dd\u10d3\u10d0,\u10d7\u10e3\u10db\u10ea\u10d0&nbsp; \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d0 \u10d2\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d3\u10d0 2018 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10d3\u10d0 \u10d9\u10d0\u10d5\u10d9\u10d0\u10e1\u10d8\u10d8\u10e1 \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d8\u10e1 \u10ec\u10d0\u10db\u10e7\u10d5\u10d0\u10dc \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10e1 \u10e6\u10d8\u10e0\u10e1\u10d4\u10e3\u10da\u10d0\u10d3 \u10e8\u10d4\u10e3\u10d4\u10e0\u10d7\u10d3\u10d0.<strong><\/strong><\/p>\n\n\n\n<p><strong>\u10d3\u10d8\u10d0\u10d2\u10e0\u10d0\u10db\u10d0 2 : \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10d8\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0 Fitch \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 (2000-2019\u10ec.\u10ec.)<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/3-13.png\"><img decoding=\"async\" loading=\"lazy\" width=\"450\" height=\"229\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/3-13.png\" alt=\"\" class=\"wp-image-14210\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/3-13.png 450w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2022\/02\/3-13-300x153.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/a><\/figure>\n\n\n\n<p><strong><em>\u10ec\u10e7\u10d0\u10e0\u10dd : <\/em><\/strong><a href=\"https:\/\/bm.ge\/ka\/article\/ra-aris-saertashoriso-sakredito-reitingi-da-ra-gamoyeneba-aqvs-mas\/41899\"><em>https:\/\/bm.ge\/ka\/article\/ra-aris-saertashoriso-sakredito-reitingi-da-ra-gamoyeneba-aqvs-mas\/41899<\/em><\/a><em>)<\/em><\/p>\n\n\n\n<p>\u10d3\u10d8\u10d0\u10d2\u10e0\u10d0\u10db\u10d0 2-\u10d6\u10d4 \u10d3\u10d0\u10e7\u10e0\u10d3\u10dc\u10dd\u10d1\u10d8\u10d7 \u10dc\u10d0\u10d7\u10da\u10d0\u10d3 \u10e9\u10d0\u10dc\u10e1,\u10e0\u10dd\u10db \u10d7\u10e3\u10e0\u10e5\u10d4\u10d7\u10e1\u10d0 \u10d3\u10d0 \u10e0\u10e3\u10e1\u10d4\u10d7\u10e1&nbsp;\u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10e3\u10da\u10d0\u10d3 \u10e9\u10d5\u10d4\u10dc\u10d6\u10d4 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10f0\u10e5\u10dd\u10dc\u10d3\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10dd \u10e1\u10e2\u10d0\u10e2\u10e3\u10e1\u10e1\u10d0\u10ea \u10d9\u10d8 \u10e4\u10da\u10dd\u10d1\u10d3\u10dc\u10d4\u10dc. \u10d0\u10db\u10d0\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3,\u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d5\u10ee\u10d4\u10d3\u10d0\u10d5\u10d7, \u10e0\u10d4\u10d2\u10d8\u10dd\u10dc\u10e8\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10e1\u10dd\u10db\u10ee\u10d4\u10d7\u10e1 \u10d0\u10e5\u10d5\u10e1. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d9\u10d8 2009-2012 \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10db\u10ea\u10d8\u10e0\u10d4 \u10e9\u10d0\u10d5\u10d0\u10e0\u10d3\u10dc\u10d0 \u10f0\u10e5\u10dd\u10dc\u10d3\u10d0,\u10d7\u10e3\u10db\u10ea\u10d0 \u10db\u10dd\u10db\u10d3\u10d4\u10d5\u10dc\u10dd \u10ec\u10da\u10d4\u10d1\u10e8\u10d8 \u10d3\u10d0\u10d8\u10d1\u10e0\u10e3\u10dc\u10d0 \u10eb\u10d5\u10d4\u10da\u10d8 \u10e1\u10e2\u10d0\u10e2\u10e3\u10e1\u10d8 \u10d3\u10d0 2019 \u10ec\u10da\u10d8\u10d3\u10d0\u10dc \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d2\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10d0\u10ea \u10e8\u10d4\u10eb\u10da\u10dd.<strong>[2]<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>\u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d8\u10e1 \u10d0\u10e1\u10d0\u10ee\u10d5\u10d0 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d6\u10d4 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8<\/strong><\/p>\n\n\n\n<p>\u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd \u201eFitch\u201c-\u10db\u10d0 \u10d9\u10d5\u10da\u10d0\u10d5 \u10d3\u10d0\u10d0\u10d3\u10d0\u10e1\u10e2\u10e3\u10e0\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u201eBB\u201c \u10d3\u10dd\u10dc\u10d4\u10d6\u10d4, \u10ee\u10dd\u10da\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d0 \u201e\u10dc\u10d4\u10d2\u10d0\u10e2\u10d8\u10e3\u10e0\u10d8\u10d3\u10d0\u10dc\u201c \u201e\u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10d0\u10db\u10d3\u10d4\u201c \u10d2\u10d0\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d0. \u10d0\u10db\u10d8\u10d7 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd \u10d3\u10d0\u10e3\u10d1\u10e0\u10e3\u10dc\u10d3\u10d0 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10db\u10d3\u10d4\u10da \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10e1.<br>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8\u10d0, \u10e1\u10d0\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d0, \u10e0\u10dd\u10db\u10da\u10d0\u10db\u10d3\u10d4\u10ea \u10d3\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8\u10da\u10d8\u10d0 2 \u10e1\u10d0\u10e4\u10d4\u10ee\u10e3\u10e0\u10d8. \u201eFitch\u201c-\u10d8\u10e1 \u10d3\u10e6\u10d4\u10d5\u10d0\u10dc\u10d3\u10d4\u10da\u10db\u10d0 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d0\u10db, \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e3\u10e4\u10e0\u10dd \u10db\u10d9\u10d0\u10e4\u10d8\u10dd \u10d2\u10d0\u10ee\u10d0\u10d3\u10d0. \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 \u10d2\u10d0\u10e3\u10e0\u10d9\u10d5\u10d4\u10d5\u10da\u10dd\u10d1\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d6\u10d4, \u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10e1 \u10db\u10d8\u10d4\u10e0 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d8\u10e1 \u10d2\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10d0, \u10dc\u10d0\u10d7\u10da\u10d0\u10d3 \u10db\u10d8\u10d0\u10dc\u10d8\u10e8\u10dc\u10d4\u10d1\u10e1, \u201eFitch\u201c-\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da \u10e1\u10d0\u10dc\u10d3\u10dd\u10dd\u10d1\u10d0\u10e1 \u10ee\u10d4\u10da\u10d8\u10e1\u10e3\u10e4\u10da\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10da\u10d8\u10e2\u10d8\u10d9\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10dd\u10e0\u10d8\u10d4\u10dc\u10e2\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10db\u10d0\u10d9\u10e0\u10dd\u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10e4\u10d8\u10e1\u10d9\u10d0\u10da\u10e3\u10e0 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10dd\u10d1\u10d0\u10d6\u10d4.<br>\u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10d7 \u10d2\u10d0\u10dc\u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d6\u10d8\u10d0\u10dc\u10d8\u10e1\u10d0, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10db \u10e8\u10d4\u10eb\u10da\u10dd \u10e1\u10d0\u10d2\u10d0\u10e0\u10d4\u10dd \u10e8\u10dd\u10d9\u10d7\u10d0\u10dc \u10d9\u10d0\u10e0\u10d2\u10d0\u10d3 \u10d2\u10d0\u10db\u10d9\u10da\u10d0\u10d5\u10d4\u10d1\u10d0.<br>\u10db\u10dd\u10e1\u10d0\u10da\u10dd\u10d3\u10dc\u10d4\u10da\u10d6\u10d4 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d0\u10e5\u10e2\u10d8\u10d5\u10dd\u10d1\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d6\u10d4, \u201eFitch\u201c-\u10db\u10d0 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10dc\u10dd\u10d6\u10d8 3.5 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10e3\u10da\u10d8 \u10de\u10e3\u10dc\u10e5\u10e2\u10d8\u10d7 (4.3 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10d3\u10d0\u10dc) 7.8%-\u10db\u10d3\u10d4 \u10d2\u10d0\u10d6\u10d0\u10e0\u10d3\u10d0, \u10e0\u10d0\u10ea \u10d2\u10e3\u10da\u10d8\u10e1\u10ee\u10db\u10dd\u10d1\u10e1, \u10e0\u10dd\u10db \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d0\u10e5\u10e2\u10d8\u10d5\u10dd\u10d1\u10d0 \u10d2\u10d0\u10d3\u10d0\u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e1 2019 \u10ec\u10da\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d4\u10e1. \u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, 2022-2023 \u10ec\u10da\u10d4\u10d1\u10e8\u10d8, \u10e2\u10e3\u10e0\u10d8\u10d6\u10db\u10d8\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d0\u10e6\u10d3\u10d2\u10d4\u10dc\u10d8\u10e1 \u10d3\u10d0 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d6\u10d4, \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 5.4% \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0. \u10e1\u10d0\u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10dd \u10e1\u10d0\u10d0\u10d2\u10d4\u10dc\u10e2\u10dd\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10d7, \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10e1 \u10d4\u10de\u10d8\u10d3\u10d4\u10db\u10d8\u10dd\u10da\u10dd\u10d2\u10d8\u10e3\u10e0\u10d8 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d0, \u10d5\u10d0\u10e5\u10ea\u10d8\u10dc\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e2\u10d4\u10db\u10de\u10d8 \u10d3\u10d0 \u10d0\u10d3\u10d2\u10d8\u10da\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8 \u10d7\u10d5\u10d8\u10d7\u10db\u10db\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d0\u10e0\u10e9\u10d4\u10d5\u10dc\u10d4\u10d1\u10d8 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1.<br>\u201eFitch\u201c-\u10d8\u10e1 \u10de\u10e0\u10dd\u10d2\u10dc\u10dd\u10d6\u10d8\u10d7, \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10d5\u10d0\u10da\u10d8 \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10ec\u10d4\u10da\u10e1 \u10db\u10e8\u10de-\u10e1 56%-\u10db\u10d3\u10d4 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10d5\u10d0\u10da\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d4 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d0\u10e8\u10d8\u10d0 \u201eBB\u201c \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d8\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10d3\u10d8\u10d0\u10dc\u10e3\u10e0 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d7\u10d0\u10dc (59.1% 2020 \u10ec\u10da\u10d8\u10e1 \u10d1\u10dd\u10da\u10dd\u10e1). [5]<\/p>\n\n\n\n<p><strong>\u10d1\u10dd\u10da\u10dd<\/strong><strong> <\/strong><strong>\u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d4\u10d1\u10d8<\/strong><\/p>\n\n\n\n<p>OECD-\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, 2019 \u10ec\u10da\u10d8\u10e1 \u10d1\u10dd\u10da\u10dd\u10e1, \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 \u10d9\u10dd\u10e0\u10de\u10dd\u10e0\u10d0\u10ea\u10d8\u10e3\u10da\u10d8 \u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d5\u10d0\u10da\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d4\u10dc\u10d3\u10d0 $13,5 \u10e2\u10e0\u10d8\u10da\u10d8\u10dd\u10dc \u10d3\u10dd\u10da\u10d0\u10e0\u10e1, \u10e0\u10d0\u10ea \u10e0\u10d4\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 2008 \u10ec\u10da\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d4\u10e1 \u10dd\u10e0\u10ef\u10d4\u10e0 \u10d0\u10e6\u10d4\u10db\u10d0\u10e2\u10d4\u10d1\u10d0.&nbsp;\u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e1\u10d0\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d8\u10d7, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10e5\u10d0\u10dc\u10d8\u10d6\u10db\u10db\u10d0 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0 \u10db\u10d8\u10e1\u10ea\u10d0 \u10d2\u10d0\u10d4\u10d6\u10d0\u10e0\u10d3\u10d0\u10d7 \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10d1\u10d4\u10e0\u10d9\u10d4\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d9\u10dd\u10d4\u10e4\u10d8\u10ea\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d9\u10d5\u10da\u10d0\u10d5 \u10e8\u10d4\u10d8\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10d4\u10d1\u10d8\u10dc\u10d0\u10d7 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8.&nbsp;\u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d0\u10db\u10d8\u10e1\u10d0, 2019 \u10ec\u10d4\u10da\u10e1, \u10d0\u10ee\u10d0\u10da\u10d8 \u10e1\u10d0\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10dd \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d8\u10e1 \u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 51%-\u10e1 \u10db\u10d8\u10d4\u10dc\u10d8\u10ed\u10d0 BBB \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8, \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e1\u10d0\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10dd \u10d9\u10da\u10d0\u10e1\u10d8\u10e1 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8 \u10d3\u10d0 \u10e7\u10d5\u10d4\u10da\u10d0 \u10d0\u10e0\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d9\u10dd\u10e0\u10de\u10dd\u10e0\u10d0\u10e2\u10d8\u10e3\u10da\u10d8 \u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d4\u10db\u10d8\u10e1\u10d8\u10d4\u10d1\u10d8\u10e1 25% \u10d8\u10e7\u10dd \u10d0\u10e0\u10d0\u10e1\u10d0\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10dd. [6]<\/p>\n\n\n\n<p><strong>\u10d3\u10d0\u10e1\u10d9\u10d5\u10dc\u10d0<\/strong><\/p>\n\n\n\n<p>\u10d6\u10d4\u10db\u10dd\u10d7 \u10ec\u10d0\u10e0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d0\u10d6\u10d4 \u10d3\u10d0\u10e7\u10e0\u10d3\u10dc\u10dd\u10d1\u10d8\u10d7 \u10d7\u10d0\u10db\u10d0\u10db\u10d0\u10d3 \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7,\u10e0\u10dd\u10db \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d2\u10d0\u10dc\u10db\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d4\u10da\u10d8 \u10d9\u10e0\u10d8\u10e2\u10d4\u10e0\u10d8\u10e3\u10db\u10d8\u10d0 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e7\u10dd\u10e4\u10d8\u10e1\u10d0. \u10db\u10d8\u10e1\u10d8 \u10d3\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7, \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e1\u10e3\u10d5\u10d4\u10e0\u10d4\u10dc\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1&nbsp;\u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d0\u10e1\u10d7\u10d0\u10dc \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10d3\u10dd\u10dc\u10d8\u10e1 \u10d0\u10e1\u10d0\u10ee\u10d5\u10d0. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d0 \u10d9\u10d8 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d6\u10d4 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10e5\u10db\u10dc\u10d8\u10e1 \u10d4\u10e0\u10d7\u10d8\u10d0\u10dc \u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d0\u10e1, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7\u10d0\u10ea \u10e4\u10dd\u10e0\u10db\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8 \u10d3\u10d0 ,\u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d0\u10d3, \u10e5\u10d5\u10d4\u10e7\u10dc\u10d3\u10d4\u10d1\u10d0 \u10e0\u10d4\u10d8\u10e2\u10d8\u10dc\u10d2\u10d4\u10d1\u10d8 \u10db\u10d8\u10e1 \u10e1\u10d0\u10e4\u10e3\u10eb\u10d5\u10d4\u10da\u10d6\u10d4. <strong><\/strong><\/p>\n\n\n\n<p><strong>\u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10da\u10d8\u10e2\u10d4\u10e0\u10d0\u10e2\u10e3\u10e0\u10d0 :<\/strong><\/p>\n\n\n\n<ol type=\"1\"><li><a href=\"https:\/\/forbes.ge\/saerthashoriso-sakredito-reitingebi-da-mathi-mnishvneloba-saqarthvelosthvis\/?fbclid=IwAR12n6fnDbx4ByL6AHWtpZqHgCxxfTX3sTNJQl7lV2yk18kuA7jrc23z0zY\">https:\/\/forbes.ge\/saerthashoriso-sakredito-reitingebi-da-mathi-mnishvneloba-saqarthvelosthvis\/?fbclid=IwAR12n6fnDbx4ByL6AHWtpZqHgCxxfTX3sTNJQl7lV2yk18kuA7jrc23z0zY<\/a><strong><\/strong><\/li><li><a href=\"https:\/\/bm.ge\/ka\/article\/ra-aris-saertashoriso-sakredito-reitingi-da-ra-gamoyeneba-aqvs-mas\/41899\">https:\/\/bm.ge\/ka\/article\/ra-aris-saertashoriso-sakredito-reitingi-da-ra-gamoyeneba-aqvs-mas\/41899<\/a><strong><\/strong><\/li><li><a href=\"https:\/\/www-spglobal-com.translate.goog\/ratings\/en\/products-benefits\/products\/credit-ratings?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=en-US&amp;_x_tr_pto=op,sc\">https:\/\/www-spglobal-com.translate.goog\/ratings\/en\/products-benefits\/products\/credit-ratings?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=en-US&amp;_x_tr_pto=op,sc<\/a><\/li><li><a href=\"https:\/\/www-investopedia-com.translate.goog\/terms\/c\/creditrating.asp?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=ka&amp;_x_tr_pto=sc\">https:\/\/www-investopedia-com.translate.goog\/terms\/c\/creditrating.asp?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=ka&amp;_x_tr_pto=sc<\/a><\/li><li><a href=\"https:\/\/www.mof.ge\/News\/9864\">https:\/\/www.mof.ge\/News\/9864<\/a><\/li><li><a href=\"https:\/\/www-dtos--mu-com.translate.goog\/understanding-the-global-credit-rating-industry\/?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=en-US&amp;_x_tr_pto=op,sc\">https:\/\/www-dtos&#8211;mu-com.translate.goog\/understanding-the-global-credit-rating-industry\/?_x_tr_sl=en&amp;_x_tr_tl=ka&amp;_x_tr_hl=en-US&amp;_x_tr_pto=op,sc<\/a><strong><\/strong><\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u10d0\u10d5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e1\u10e2\u10d8\u10da\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0\u10d0\u10e0\u10e9\u10d8\u10da \u10db\u10d4\u10d2\u10e0\u10d4\u10da\u10d8\u10e8\u10d5\u10d8\u10da\u10d8\u10d8\u10d5\u10d0\u10dc\u10d4 \u10ef\u10d0\u10d5\u10d0\u10ee\u10d8\u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e4\u10d0\u10d9\u10e3\u10da\u10e2\u10d4\u10e2\u10d8\u10e1 III \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8 archil.megrelishvili552@eab.tsu.edu.ge \u10d0\u10dc\u10dd\u10e2\u10d0\u10ea\u10d8\u10d0 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd<\/p>\n","protected":false},"author":7,"featured_media":14207,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[120,13],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd 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