Transfertnery harkely tchisht gaghaphar a, bayc voch ayn dzevov, vorn arajarkum e PEK-y: Petq e gandzel minchev 5%: henc stanalu pahin: bankum: Aylapes transfertnery parzapes kmtnen stver, inchic ktuzhen bolory, arajin hertin bankery, dramakan phoxancumneri hamakargery: 23% hark voch voq chi vtcharelu, kgnan hin, stugvac tchanaparhov: odanavakayanov phogh ugharkelun:

18-65 tarekan qaghaqacinery petq e nerkayacnen irenc ekamutneri haytararagiry: Sa nshanakum e, vor gyughacin, vov vatcharum e ir mterqy, petq e ekamuty haytararagri: Kam artagna ashxatanqi meknac mer qaghaqacin, vov yntaniqy pahelu hamar gumar e ugharkum: kiny, erexan da petq e haytararagren: Yst naxagci: ekamti 23%-y petq e ughghvi petbyuje, aysinqn, ete 100 dolar en ugharkel dzez, 23%-y petq e gna byuje: Sa anynduneli e u chpetq e kyanqi kochvi:

PEK-n indz hishecnum e hanrapetakanin: amen kerp qerel zhoghovrdin, ev miayn u miayn zhoghovrdin: Chgitem, te inch en cxum, bayc indz tvum a, vor bardzr dozayov en yndunel u mnacel en taky: Hayastanic otar petutyun gnacac mardy drsum ashxatum a, tvyal petutyunum harkery mucum a, ir ashxataci chaphov, u mi erku kopek ugharkum a tun, isk PEK-n el voroshum a, vor dra 23%-y petq a qaghaqacin muci petakan gandzaran: Ay qez himarutyun, ha-ha: himarutyun: Mardik baregorcutyun en anum, gtnum en mi yntaniq Hayastanum u nran ugharkum en gumar, vor Nortarvan gone tany varvac luys unena u seghann el mi qich tonakan lini, bayc che, duq da hamarum eq ekamut u dnelu eq gandzeq: U yndhanrapes petutyan inch gorcn e, te mardy drsic vorqan gumar e stanum: Petutyuny, ete aneliq uni aystegh, apa miayn mekn e: parzel, te ardyoq ayn orinakan e, ev voreve hancagorcutyan het kap chuni: Sirun chi, hech sirun chi taronner...

PEK-i shrjanarutyan mej drac gaghaphary, yst vori petq e transfertneri harkman mexanizm nerdrvi, nor che։ Shat vaghuc e ays gaghaphary pttvum ishxanakan mijavayrum։ Cankacac gnov petbyujen lcnelu hramayakanic e sa galis։ Ays tramabanutyunic e cnvel «odi phoghy»: 10 000 dramy, vor inqnatiri toms gnelis yuraqanchyurs vtcharum enq։ Cndabanutyan sahmany hatac ays harky: 1990-akanneri verjeric e galis։ Bolory giten, vor sa antuylatreli grehkutyun e, bayc voch mi nor ekac ishxanutyun ayn chi veracrel։ Henc «odi phoghi» nerdrman zhamanakneric el transfertnery harkelu gaghaphary cnvel e։ Zhamanak ar zhamanak ayd masin xosvel e, bayc shoshaphli qayler chen arvel։ Hima, inchpes tesnum enq, phordzum en nerdnel։ Sa apacuycn e ayn bani, vor mezanum karogh en phoxvel arandzin ishxanavorner, karogh en amboghjakan ishxanutyunner phoxvel, angam: heghaphoxutyun linel, bayc ishxanakan tramabanutyuny chi phoxvum։ Nuyn ishxanakan senyaknern u mijancqnern en, nuyn xndirnery ev, cavoq, nuyn lucumnery։ Isk der erek tvum er, vor xndirneri u senyakneri nuynutyan paragayum lucumnern aylevs ayl en linelu։ Husanq, vor, iroq, aysuhet ayl en linelu lucumnery ev ays grehik gaghaphary, vorpes hneric mnacac zharangutyun den e netvelu:

Inch e nshanakum: harkel transfertnery... Heriq chi, vor petutyuny chi karoghacel ir qaghaqacun apahovel arzhanapativ ashxatanqov, mardn ir yntaniqic ktrvel, heracel e otar erkir, heriq chi, vor et mardn otar erkrum ir katarac charqash ashxatanqi hamar hark e vtcharel, mi hat el ir erkrum harkvi… Knereq, bayc da anelu ban chi... Sa e petakan byujen lcnelu norovi motecumy... Shat vat e...

Paymanakanoren «xopani» harky shat vat ugherdz e nor ishxanutyunneri koghmic, u aveli layn hamateqstum, qan miayn harkumy.
1. karavarutyuny gnum e voch te qaghaqacu grpany lcnelu, ayl qerelu tramabanutyamb,
2. ishxanutyuny gnum e qaghaqacu bern u partakanutyuny mecacnelu, ayl voch te ir patasxanatvutyunnery mecacnelu tchanaparhov,
3. karavarutyuny gnum e voch te zargacman, nor ekamti aghbyurner u hnaravorutyunner steghcelu, ayl eghacy vtangi tak dnelu tchanaparhov,
Ays amenov handerdz, ishxogh uzhy xatarum e petutyan shurj hanrayin paymanagri bovandakutyuny, dra socialakan, qaghaqakan aradarutyan skzbunqy: Hasarakutyunnery petutyun steghcum en, vorpeszi nerqin u artaqin qaghaqakanutyunneri mijocov u petakan u teghakan ishxanutyunneri koghmic irenc matucven socialakanic minchev anvtangayin u pashtpanakan lavaguyn carayutyunnery: Petutyan koghmic ir gorcaruytneri patshatch katarman dzaxoghman ardyunqum xopani instituty socialakan-tntesakan volortum mi ban el avel ir vra e vercrel petutyan beri zgali hatvacy: i dems byujein havasar erkir ugharkvogh masnavor transfertneri, tepet petutyun steghcelu himnakan paymanagrov na ayd patasxanatvutyunn el chuni u karogh er chunenal: Ayzhm petutyuny nran asum e: avelacra qo bery: Sa petutyan shurj hay hasarakutyan knqac qaghaqakan paymanagri socialakan u ayl tesaki ardarutyan skzbunqi xeghum e, petutyan koghmic phaxust ir paymanagrayin patasxanatvutyunic u partavorutyunneric: Sra hetevanqn arden tesaneli diskursn e ayspisi philisophayutyamb, anardarutyamb petutyun unenalu npatakaharmarutyan, mnal gnalu shurj:

Shutov xopanchineri statusnerum: Erexeq, ynkerneris mej Hayastan gnacogh ka, mi phoqrik phogh ka tanelu, bankov chugharkem eli... Meronq kgan, kvercnen...

PEK-i nor naxadzernutyuny: «xopanic» ekac gumarneri harkman mexanizmi masin, der lav chem usumnasirel, bayc arajin hayacqic vonc vor en lini, vor aghjkas dasern stugeluc asem: de patmi integraln inch a, asi: bayc da menq chenq ancel der, es el asem: kap chuni, da ancnum en dprocum, isk du sovorum es dprocum, petq a imanas: Haskacanq, vor nor harkayin mutqer en petq, bayc da qerelov chi, hnaravorutyunner u paymanner steghcelov a, axr: