• "" " 2005 "

    23


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    3.2

    I 2005

    (. )

    ----------------+----------------------------+----------------------------
                         I  2005 .     : I  2004 .
                   +------+-------+------+------+------+-------+------+------+
                   
                                                 
    +---------------+------+-------+------+------+------+-------+------+------+
               12029   4749  7280 -2530 10339   3909  6430 -2521
    +---------------+------+-------+------+------+------+-------+------+------+
       :                                                    
    +---------------+------+-------+------+------+------+-------+------+------+
            1810    890   919   -29  1598    794   805   -11
    +---------------+------+-------+------+------+------+-------+------+------+
              10219   3859  6360 -2501  8741   3116  5625 -2510
                                                             
                                                            
    +---------------+------+-------+------+------+------+-------+------+------+
         :                                                  
    +---------------+------+-------+------+------+------+-------+------+------+
             4930   1787  3144 -1357  3266   1074  2192 -1118
    +---------------+------+-------+------+------+------+-------+------+------+
         Ѧ  1685    805   880   -75  1473    631   843  -212
    +---------------+------+-------+------+------+------+-------+------+------+
               2281    851  1430  -578  2968   1122  1846  -724
                                                               
    +---------------+------+-------+------+------+------+-------+------+------+
        ,      1323    416   907  -491  1033    289   744  -455
         -                                                   
                                                           
                                                            
                                                              
    +---------------+------+-------+------+------+------+-------+------+------+
    :                                                       
    +---------------+------+-------+------+------+------+-------+------+------+
       - 15  3886   1338  2548 -1210  3266   1074  2192 -1118
    +---------------+------+-------+------+------+------+-------+------+------+
          203    122    81    42   237    137   100    38
    +---------------+------+-------+------+------+------+-------+------+------+
           7144   2823  4321 -1498  5386   1924  3462 -1538
    +---------------+------+-------+------+------+------+-------+------+------+
      Ѧ   501    246   255    -9   ...    ...   ...   ...
    L---------------+------+-------+------+------+------+-------+------+-------

    3.3

    ,

    --------------+---------------------------------------+----------------
                   , .      :    
                                                            
                                                         ,
                                                             
                 +----+-----T-----+-----T-----+----T-----+---------+------+
                 2003I    II   III  IV   2004I     - I     
                  . ---- . -  - 
                                    2004 .    
                     2004 2004 2004 2004     2005          2005  
                     .   .   .   .       .            .    
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
       1310  323  438  618  6902070  515      407   359
                                                       
                                                        
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
           ...  ...   35   46   54 ...   52      837   902
                                                         
                                                        
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
       æ ...  ...  403  573  636 ...  462      391   336
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
         588  162  183  202  231 777  207      389   370
                                                       
                                                        
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
           ...  ...  129  138  154 ...  140      481   473
                                                         
                                                        
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
       æ ...  ...   54   64   77 ...   68      279   256
    +-------------+----+-----+-----+-----+-----+----+-----+---------+------+
           -722 -160 -255 -417 -4601292 -307                
    +-------------+----+-----+-----+-----+-----+----+-----+                
            ...  ...   94   92  100 ...   87                
                                                          
                                                         
    +-------------+----+-----+-----+-----+-----+----+-----+                
         ...  ... -349 -509 -560 ... -395                
    L-------------+----+-----+-----+-----+-----+----+-----+-----------------

    .

    , : Anelik, Contact, InterExpress, Migom, MoneyGram, PrivatMoney, Ria Envia, STV-, Travelex Worldwide Money Ltd, UNIStream, VIP Money Transfer, Western Union, , , , .

    3.1

    , <1>,

    I 2005

    --------------------------------

    <1> "" , . , .

    , , "". ( ) I 2005 4 . (34% ).

    0,9 . , 4%, .

    "" <*>

    --------------------------------

    <*> .

    , I 2005 62% 64% .

    ""

    I 2000 - 2005 .

    (. )

    -------------------------+-------+-------+-------+-------+-------+-------
                               I      I      I      I      I      I   
                            
                            2000 .2001 .2002 .2003 .2004 .2005 .
    +------------------------+-------+-------+-------+-------+-------+-------+
      -        583    589    712    737    866    905
    +------------------------+-------+-------+-------+-------+-------+-------+
         :                                            
    +------------------------+-------+-------+-------+-------+-------+-------+
                             185    245    302    274    310    340
    +------------------------+-------+-------+-------+-------+-------+-------+
               399    344    409    463    556    565
    +------------------------+-------+-------+-------+-------+-------+-------+
           :                                          
    +------------------------+-------+-------+-------+-------+-------+-------+
         <*>                  205    174    210    245    256    372
    +------------------------+-------+-------+-------+-------+-------+-------+
                  32     34     35     39     48     48
    +------------------------+-------+-------+-------+-------+-------+-------+
                    162    136    164    179    251    145
    +------------------------+-------+-------+-------+-------+-------+-------+
    :                                                        
    +------------------------+-------+-------+-------+-------+-------+-------+
      (15 )              205    174    210    245    256    259
    +------------------------+-------+-------+-------+-------+-------+-------+
                           54     33     33     40     51     74
    L------------------------+-------+-------+-------+-------+-------+--------

    --------------------------------

    <*> 2004 . 25 .

    .

    :

    ----------+-----------------+------------------------------------
       .  I  2005   %  I 
                                            2004              
    +---------+-----------------+------------------------------------+
             133                       127                 
    +---------+-----------------+------------------------------------+
            71                       137                 
    +---------+-----------------+------------------------------------+
             67                       114                 
    +---------+-----------------+------------------------------------+
            48                        74                 
    +---------+-----------------+------------------------------------+
                  41                        98                 
    L---------+-----------------+-------------------------------------

    :

    ""

    I 2005

    (. )

    --------------------------------------+-------+---------+--------
                                               
    +-------------------------------------+-------+---------+--------+
      -                   905     378      527  
    +-------------------------------------+-------+---------+--------+
         :                                       
    +-------------------------------------+-------+---------+--------+
                                        340      89      251  
    +-------------------------------------+-------+---------+--------+
                          565     289      276  
    +-------------------------------------+-------+---------+--------+
           :                                     
    +-------------------------------------+-------+---------+--------+
                                         372     191      181  
    +-------------------------------------+-------+---------+--------+
                             48      25       23  
    +-------------------------------------+-------+---------+--------+
                               145      73       72  
    +-------------------------------------+-------+---------+--------+
    :                                                   
    +-------------------------------------+-------+---------+--------+
      (15 )                         259     134      125  
    +-------------------------------------+-------+---------+--------+
                                      74      43       31  
    L-------------------------------------+-------+---------+---------

    I 2005 58% 42% - . - 49 51%, - 74%.

    I 2005 3,14 . , 11% , - 3,11 . (11%) <2>.

    --------------------------------

    <2> , , , .

    "" <*>

    --------------------------------

    <*> .

    , , , 88 87%.

    ""

    I 2000 - 2005 .

    (. )

    -------------------------+-------+-------+-------+-------+-------+-------
                               I      I      I      I      I      I   
                            
                            2000 .2001 .2002 .2003 .2004 .2005 .
    +------------------------+-------+-------+-------+-------+-------+-------+
      -       1529   1585   2016   2164   2797   3112 
    +------------------------+-------+-------+-------+-------+-------+-------+
         :                                            
    +------------------------+-------+-------+-------+-------+-------+-------+
                            282    278    324    348    330    402 
    +------------------------+-------+-------+-------+-------+-------+-------+
             1247   1306   1692   1816   2467   2710 
    +------------------------+-------+-------+-------+-------+-------+-------+
           :                                          
    +------------------------+-------+-------+-------+-------+-------+-------+
                             568    636    791    820   1218   1548 
    +------------------------+-------+-------+-------+-------+-------+-------+
                 50     49     55     61     80     93 
    +------------------------+-------+-------+-------+-------+-------+-------+
                    629    621    846    934   1169   1069 
    +------------------------+-------+-------+-------+-------+-------+-------+
    :                                                        
    +------------------------+-------+-------+-------+-------+-------+-------+
      (15 )             568    636    791    820   1218   1328 
    +------------------------+-------+-------+-------+-------+-------+-------+
                          65     31     44     37     35     31 
    L------------------------+-------+-------+-------+-------+-------+--------

    .

    :

    ----------+-----------------+------------------------------------
       .  I  2005   %  I 
                                            2004              
    +---------+-----------------+------------------------------------+
           394                        112                
    +---------+-----------------+------------------------------------+
            345                        104                
    +---------+-----------------+------------------------------------+
             236                        132                
    +---------+-----------------+------------------------------------+
              212                        143                
    +---------+-----------------+------------------------------------+
               156                        106                
    L---------+-----------------+-------------------------------------

    :

    ""

    I 2005


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