{"id":1965,"date":"2021-10-31T17:29:22","date_gmt":"2021-10-31T17:29:22","guid":{"rendered":"https:\/\/www.hnjournal.net\/?page_id=1965"},"modified":"2021-10-31T17:29:27","modified_gmt":"2021-10-31T17:29:27","slug":"2-11-9","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/en\/2-11-9\/","title":{"rendered":"\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629"},"content":{"rendered":"

\u062f. \u0625\u0628\u0631\u0627\u0647\u064a\u0645 \u0645\u0633\u0639\u0648\u062f \u0627\u0644\u0641\u0631\u062c\u0627\u0646\u064a \u0623. \u0623\u0645\u0627\u0646\u064a \u0641\u0631\u062c \u0627\u0644\u0628\u0631\u063a\u062b\u064a2<\/sup><\/strong><\/p>\n

1<\/sup> \u0623\u0633\u062a\u0627\u0630 \u0645\u0634\u0627\u0631\u0643 \u0628\u0642\u0633\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0643\u0644\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u062c\u0627\u0645\u0639\u0629 \u0628\u0646\u063a\u0627\u0632\u064a.<\/p>\n

\u0628\u0631\u064a\u062f \u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a: abrahem_m49@yahoo.com<\/p>\n

2<\/sup> \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u062a\u0645\u0648\u064a\u0644 \u0648\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0623\u0643\u0627\u062f\u064a\u0645\u064a\u0629 \u0627\u0644\u0644\u064a\u0628\u064a\u0629 \u0628\u0646\u063a\u0627\u0632\u064a .<\/p>\n

HNSJ, 2021, 2(11); https:\/\/doi.org\/10.53796\/hnsj2119<\/p>\n

\n

\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0646\u0634\u0631: 01\/11\/2021\u0645 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0642\u0628\u0648\u0644: 05\/10\/2021\u0645<\/p>\n

\u0627\u0644\u0645\u0633\u062a\u062e\u0644\u0635 <\/strong><\/p>\n

\u0647\u062f\u0641 \u0627\u0644\u0628\u062d\u062b \u0625\u0644\u0649 \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0648\u0644\u062a\u062d\u0642\u064a\u0642 \u0630\u0644\u0643 \u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0626\u064a \u0627\u0644\u0630\u064a \u064a\u0647\u062f\u0641 \u0625\u0644\u0649 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u062f\u0631\u0627\u0633\u0629 \u0645\u0643\u062a\u0628\u064a\u0629 \u0644\u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0648\u0644\u063a\u0631\u0636 \u0635\u064a\u0627\u063a\u0629 \u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0628\u062d\u062b \u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u0627\u0633\u062a\u0646\u062a\u0627\u062c\u064a \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0641\u0631\u0636\u064a\u0629 \u0648\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0628\u062d\u062b.<\/p>\n

\u0623\u062c\u0631\u064a \u0627\u0644\u0628\u062d\u062b \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u0633\u062a\u0629\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0647\u064a: \u0645\u0635\u0631\u0641 \u0627\u0644\u062c\u0645\u0647\u0648\u0631\u064a\u0629\u060c \u0645\u0635\u0631\u0641 \u0627\u0644\u0635\u062d\u0627\u0631\u0649\u060c \u0645\u0635\u0631\u0641 \u0627\u0644\u0648\u062d\u062f\u0629\u060c \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0648\u0637\u0646\u064a\u060c \u0645\u0635\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648\u0627\u0644\u062a\u0646\u0645\u064a\u0629\u060c \u0645\u0635\u0631\u0641 \u0634\u0645\u0627\u0644 \u0623\u0641\u0631\u064a\u0642\u064a\u0627.<\/p>\n

\u0648\u0627\u0642\u062a\u0635\u0631 \u0627\u0644\u0628\u062d\u062b \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u064a \u0625\u062f\u0627\u0631\u0627\u062a\u0647\u0627 \u0627\u0644\u0639\u0627\u0645\u0629 \u0628\u0645\u062f\u064a\u0646\u0629 \u0628\u0646\u063a\u0627\u0632\u064a\u060c \u0648\u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u0648\u0646 \u0647\u0645 \u0645\u062f\u0631\u0627\u0621 \u0625\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0645\u062f\u0631\u0627\u0621 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u0648\u0631\u0624\u0633\u0627\u0621 \u0623\u0642\u0633\u0627\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0623\u0639\u0636\u0627\u0621 \u0644\u062c\u0646\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0639\u064a\u0646\u0629 \u0645\u0646 \u0645\u0648\u0638\u0641\u064a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n

\u0648\u0642\u062f \u0623\u0638\u0647\u0631\u062a \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0648\u062c\u0648\u062f \u0623\u0647\u0645\u064a\u0629 \u0644\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0644\u064a\u0628\u064a\u0629 \u0645\u062d\u0644 \u0627\u0644\u0628\u062d\u062b.<\/p>\n

\u0648\u0642\u062f \u0623\u0648\u0635\u0649 \u0627\u0644\u0628\u062d\u062b \u0628\u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0645\u0646 \u0623\u0647\u0645\u0647\u0627 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0634\u0631\u0627\u0643\u0629 \u0648\u062a\u0639\u0627\u0648\u0646 \u0645\u0627\u0628\u064a\u0646 \u0645\u0635\u0631\u0641 \u0644\u064a\u0628\u064a\u0627 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0644\u064a\u0628\u064a\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u0641\u0639\u0627\u0644\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0636\u0627\u0645\u0646\u064a \u0627\u0644\u0648\u062f\u0627\u0626\u0639.<\/p>\n

\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong>\u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\u060c \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/p>\n

<\/a>Research Article <\/strong><\/p>\n

the importance of deposit insurance in the flexibility of credit policies<\/strong><\/p>\n

Dr. Ibrahim Masoud Ferjani1<\/sup> Amani Faraj Al-Barghathi2<\/sup><\/strong><\/p>\n

1<\/sup> Associate Professor, Department of Finance and Banking, Faculty of Economics, University of Benghazi.<\/p>\n

Email: abrahem_m49@yahoo.com<\/a><\/p>\n

2 Master’s degree in finance and banking, the Libyan Academy, Benghazi.<\/p>\n

HNSJ, 2021, 2(11); https:\/\/doi.org\/10.53796\/hnsj2119<\/p>\n

\n

Published at 01\/11\/2021 Accepted at 05\/10\/2021 <\/strong><\/p>\n

Abstract <\/strong><\/p>\n

The study aimed to identify the importance of deposit insurance in the flexibility of credit policies . To achieve this , an inductive approach was adopted, which aims to conduct a desk study of the issue of deposit insurance and credit policies m or the purpose of formulating the hypothesis of the study m the deductive method was used to test the hypothesis and arrive at the results of the study.<\/p>\n

The study was conducted on the six major commercial banks and these banks are; jumhouria Bank, SaharaBank, Unity Bank, National CommercialBank, Trade and DevelopmentBank, North Africa Bank.<\/p>\n

The research was limited to banks run by the Benghazi public and targets are directors of credit drpartments , directors of the accounting department , heads of credit departments, members of the credit committee and a sample of credit officers.<\/p>\n

The results of the analysis showed that deposit insuranace is important for the flexibility of credit of credit policies in the Libyan commercial banks understudy.<\/p>\n

The study recommended a set of recommendations , the most important of which is the there should be partnership and cooperation between the central Bank of Libya and Libyan commercial banks in the field of readiness to implement effective basic principles to guarantee deposits issued by the international Association of Deposit Insurers.<\/p>\n

\n

Key Words: <\/strong>deposit insurance, credit policies, commercial banks<\/p>\n

\n

\u0627\u0644\u0645\u0642\u0640\u0640\u062f\u0645\u0640\u0629 : <\/strong><\/p>\n

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\u0648\u0645\u0646 \u0647\u0646\u0627 \u0638\u0647\u0631\u062a \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u062d\u0645\u0627\u064a\u0629 \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0623\u062e\u064a\u0631\u0629\u060c \u0628\u0627\u0639\u062a\u0628\u0627\u0631 \u0623\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u062d\u0635\u0631 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u064a\u0637\u0645\u0626\u0646 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0639\u0644\u0649 \u0633\u0644\u0627\u0645\u0629 \u0645\u062f\u062e\u0631\u0627\u062a\u0647\u0645 \u0648\u064a\u062e\u0641\u0636 \u0645\u0646 \u062a\u0633\u0631\u0628 \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629.<\/p>\n

\u064a\u064f\u0639\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0647\u062f\u0641 \u0631\u0626\u064a\u0633\u064a \u0644\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u0644\u062d\u0645\u0627\u064a\u0629 \u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u0648\u062f\u0627\u0626\u0639\u0647\u0627 \u0645\u0646 \u0623\u064a \u062e\u0637\u0631 \u064a\u0642\u0627\u0628\u0644\u0647\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0647\u062f\u062f \u0633\u0644\u0627\u0645\u062a\u0647\u0627 \u0648\u062f\u0631\u062c\u0629 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0623\u062f\u0627\u0626\u0647\u0627 \u0627\u0644\u0630\u064a \u064a\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u0623\u062f\u0627\u0621 \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0643\u0643\u0644.<\/p>\n

\u062a\u0643\u0645\u0646 \u0623\u0647\u0645\u064a\u0629 \u0648\u062c\u0648\u062f \u0646\u0638\u0627\u0645 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0647\u062f\u0641\u064a\u0646 \u0631\u0626\u064a\u0633\u064a\u064a\u0646\u060c \u0627\u0644\u0623\u0648\u0644 \u062d\u0645\u0627\u064a\u0629 \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0641\u064a \u062d\u0627\u0644\u0629 \u062a\u0639\u0631\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0644\u0645\u0634\u0627\u0643\u0644 \u0645\u0627\u0644\u064a\u0629\u060c \u0641\u0647\u0648 \u064a\u062d\u0642\u0642 \u0646\u0648\u0639\u0627 \u0645\u0646 \u0627\u0644\u0636\u0645\u0627\u0646 \u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646\u060c \u0648\u0627\u0644\u062b\u0627\u0646\u064a \u064a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u062a\u0641\u0627\u062f\u064a \u062a\u0639\u0631\u0636\u0647\u0627 \u0644\u0644\u0625\u0639\u0633\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0625\u0641\u0644\u0627\u0633.<\/p>\n

\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629:<\/strong><\/p>\n

\u062a\u0639\u062f\u062f\u062a \u0627\u0644\u0625\u0633\u0647\u0627\u0645\u0627\u062a \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u060c \u062d\u064a\u062b \u0642\u0627\u0645 \u0623\u0628\u0648\u0633\u0645\u0631\u0629 (2007)<\/strong> \u0628\u062f\u0631\u0627\u0633\u0629 \u0647\u062f\u0641\u062a \u0625\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u0645\u0634\u0643\u0644\u0629 \u0627\u0646\u062e\u0641\u0627\u0636 \u062d\u062c\u0645 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0641\u0644\u0633\u0637\u064a\u0646\u064a\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0645\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0648\u0627\u0641\u062f\u0629\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0645\u062c\u0645\u0648\u0639\u0647 \u0645\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0645\u0646\u0647\u0627 \u0648\u062c\u0648\u062f \u0639\u0644\u0627\u0642\u0629 \u0627\u064a\u062c\u0627\u0628\u064a\u0629 \u0642\u0648\u064a\u0629 \u0628\u064a\u0646 \u062d\u062c\u0645 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0628\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 ( \u0643\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0646\u0634\u0627\u0637\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 ).<\/p>\n

\u0648\u0641\u064a \u0633\u064a\u0627\u0642 \u0622\u062e\u0631 \u0642\u0627\u0645 \u0643\u0644\u0627 \u0645\u0646 Davis and Obasi (2009) <\/strong>\u0628\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0628\u0631\u064a\u0637\u0627\u0646\u064a\u0629\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0648\u062c\u0648\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u0644\u0627 \u064a\u0648\u062c\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0645\u062e\u0627\u0637\u0631 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644.<\/p>\n

\u0648\u0643\u0630\u0644\u0643 \u0642\u0627\u0645 Yagcilar (2014) <\/strong>\u0628\u062f\u0631\u0627\u0633\u0629 \u0623\u062b\u0631 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u0631\u0643\u064a\u0629\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0645\u062e\u0627\u0637\u0631 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\u060c \u0648\u0644\u0627 \u064a\u0648\u062c\u062f \u0623\u062b\u0631 \u0644\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0631\u0627\u0633 \u0627\u0644\u0645\u0627\u0644.<\/p>\n

\u0648\u0627\u064a\u0636\u0627\u064b \u0642\u062f\u0645 \u0627\u0644\u0632\u0639\u0648\u0646 (2017)<\/strong> \u0628\u062f\u0631\u0627\u0633\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0644\u0623\u062b\u0631 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0633\u0627\u0647\u0645\u062a \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644.<\/p>\n

\u0648\u0645\u0646 \u062c\u0647\u0629 \u0623\u062e\u0631\u0649 \u0641\u064a \u062f\u0631\u0627\u0633\u0629 \u0642\u0627\u0645 \u0628\u0647\u0627 \u0627\u0644\u0623\u0639\u0631\u062c (2009)<\/strong> \u0644\u0623\u0647\u0645\u064a\u0629 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u062a\u062f\u0639\u064a\u0645 \u0634\u0628\u0643\u0629 \u0627\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0641\u0644\u0633\u0637\u064a\u0646\u064a\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u064a \u0645\u062c\u0645\u0648\u0639\u0647 \u0645\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0645\u0646\u0647\u0627 \u0623\u0646 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u0648\u0636\u0639 \u0622\u0644\u064a\u0627\u062a \u0644\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0642\u0628\u0644 \u062d\u062f\u0648\u062b\u0647\u0627\u060c \u0648\u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062c\u0630\u0628 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639.<\/p>\n

\u0648\u0641\u064a \u0645\u062d\u0627\u0648\u0644\u0629 \u0644\u0645\u0639\u0631\u0641\u0629 \u062f\u0648\u0631 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u062a\u0642\u0644\u064a\u0644 \u0645\u0646 \u0627\u0644\u062a\u0639\u062b\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0642\u0627\u0645 \u0628\u0644\u0639\u0631\u0628\u064a (2016)<\/strong> \u0628\u062f\u0631\u0627\u0633\u0629 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0633\u0645\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0647 \u0648\u0625\u0628\u0631\u0627\u0632 \u062f\u0648\u0631 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u062a\u0642\u0644\u064a\u0644 \u0645\u0646 \u0627\u0644\u062a\u0639\u062b\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062c\u0632\u0627\u0626\u0631\u064a\u0629\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u064a \u0645\u062c\u0645\u0648\u0639\u0647 \u0645\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0645\u0646\u0647\u0627 \u0623\u0646 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u064a\u0632\u064a\u062f \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0643\u0643\u0644 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u062a\u062d\u0642\u0642 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0644\u0647\u0630\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a\u060c \u0643\u0645\u0627 \u0623\u0646 \u0644\u0647 \u062f\u0648\u0631\u0627\u064b \u0645\u0632\u062f\u0648\u062c\u0627\u064b: \u0648\u0642\u0627\u0626\u064a\u0627 \u0648\u0639\u0644\u0627\u062c\u064a\u0627.<\/p>\n

\u0643\u0645\u0627 \u0642\u0627\u0645 \u0645\u064a\u0644\u0627\u062f \u0648\u0639\u0642\u064a\u0644 (2017)<\/strong> \u0628\u062f\u0631\u0627\u0633\u0629 \u0623\u0647\u0645\u064a\u0629 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0630\u064a \u064a\u0642\u0648\u0645 \u0628\u0647 \u0641\u064a \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062b\u0642\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u062e\u0644\u0635\u062a \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0623\u0647\u0645\u0647\u0627 :- \u0623\u0646 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0633\u064a\u0643\u0648\u0646 \u0644\u0647 \u062a\u0623\u062b\u064a\u0631 \u0625\u064a\u062c\u0627\u0628\u064a \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0644\u064a\u0628\u064a\u060c \u0648\u0623\u0646 \u0646\u0638\u0627\u0645 \u0636\u0645\u0627\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u064a\u0632\u064a\u062f \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u062c\u0630\u0628 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062f\u062e\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0644\u064a\u0628\u064a.<\/p>\n

\u0648\u0642\u0627\u0645 \u0643\u0645\u0627\u0644 (2012)<\/strong> \u0628\u062f\u0631\u0627\u0633\u0629 \u062f\u0648\u0631 \u0646\u0638\u0627\u0645 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0645\u0646 \u0627\u0644\u062a\u0639\u062b\u0631 \u060c \u0648\u062a\u0648\u0635\u0644\u062a \u062f\u0631\u0627\u0633\u062a\u0647 \u0627\u0644\u064a \u0623\u0646 \u0646\u0638\u0627\u0645 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u062c\u0632\u0627\u0626\u0631 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u062d\u062c\u0645 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0644\u062f\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0646\u0638\u0631\u0627\u064b \u0644\u062a\u0639\u0632\u064a\u0632 \u062b\u0642\u0629 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646\u060c \u0627\u0644\u0627\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0646\u0639\u0643\u0633 \u0627\u064a\u062c\u0627\u0628\u064a\u0627 \u0639\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641 \u0641\u064a \u062a\u0648\u0638\u064a\u0641 \u0647\u0630\u0647 \u0627\u0644\u0648\u062f\u0627\u0626\u0639.<\/p>\n

\u0648\u0643\u0645\u0627 \u0641\u064a \u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0645\u0639\u0627\u064a\u0637\u0629 (2018)<\/strong> \u0647\u062f\u0641\u062a \u0625\u0644\u0649 \u0642\u064a\u0627\u0633 \u0623\u062b\u0631 \u062f\u0631\u062c\u0629 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0631\u062f\u0646\u064a\u0629\u060c \u0648\u062a\u0648\u0635\u0644\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u0645\u062c\u0645\u0648\u0639\u0647 \u0645\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0623\u0647\u0645\u0647\u0627 \u0648\u062c\u0648\u062f \u0623\u062b\u0631 \u0625\u064a\u062c\u0627\u0628\u064a \u0644\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0627\u064b \u060c \u0623\u064a \u0642\u062f\u0631\u0629 \u0647\u0630\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0633\u062a\u0642\u0631\u0629 \u0646\u062d\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062f\u0631\u0629 \u0644\u0644\u062f\u062e\u0644\u060c \u0641\u064a \u062d\u064a\u0646 \u0623\u0638\u0647\u0631\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0627\u062b\u0631 \u0633\u0644\u0628\u064a \u0644\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0631\u062f\u0646\u064a\u0629\u060c \u062d\u064a\u062b \u0644\u0627 \u062a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629 \u0625\u0644\u0649 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0645\u062f\u0631\u0629 \u0644\u0644\u062f\u062e\u0644.<\/p>\n

\u0648\u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0633\u062a\u0639\u0631\u0627\u0636 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u062a\u0628\u064a\u0646 \u0627\u0646 \u0647\u0646\u0627\u0643 \u0639\u0644\u0627\u0642\u0629 \u0627\u064a\u062c\u0627\u0628\u064a\u0629 \u0628\u064a\u0646 \u062d\u062c\u0645 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 ( \u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u064a\u0624\u062b\u0631 \u0627\u064a\u062c\u0627\u0628\u064a\u0627\u064b \u0641\u064a \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062c\u0630\u0628 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\u060c \u064a\u0632\u064a\u062f \u0645\u0646 \u062f\u0631\u062c\u0629 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0648\u062f\u0627\u0626\u0639\u060c \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u062d\u062c\u0645 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0644\u062f\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0646\u0638\u0631\u0627\u064b \u0644\u062a\u0639\u0632\u064a\u0632 \u062b\u0642\u0629 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646).<\/p>\n

\u0648\u0646\u062c\u062f \u0623\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u062a\u062a\u0641\u0642 \u0639\u0644\u0649 \u0623\u0647\u0645\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0625\u0644\u0627 \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u064a\u064f\u0639\u062f \u0645\u0646 \u0623\u0648\u0627\u0626\u0644 \u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u062a\u064a \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0644\u064a\u0628\u064a\u0629\u060c \u0648\u0644\u0630\u0627 \u0641\u0647\u064a \u062a\u0639\u0627\u0644\u062c \u0627\u0644\u0641\u062c\u0648\u0629 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u064a \u0644\u0645 \u064a\u062a\u0645 \u062a\u0646\u0627\u0648\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629\u060c \u0648\u0644\u0642\u062f \u0643\u0627\u0646\u062a \u0647\u0646\u0627\u0643 \u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u062a\u062a\u0645\u062b\u0644 \u0641\u064a \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u0635\u064a\u0627\u063a\u0629 \u0645\u0634\u0643\u0644\u0629 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0648\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646.<\/p>\n

\u0645\u0634\u0643\u0644\u0629 \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n

\u062a\u0639\u062f \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0645\u0646 \u0627\u0644\u0645\u0643\u0648\u0646\u0627\u062a \u0627\u0644\u0645\u0647\u0645\u0629 \u0641\u064a \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0627\u0644\u0627 \u0627\u0646 \u0647\u0630\u0647 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0642\u062f \u062a\u0648\u0627\u062c\u0647\u0647\u0627 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0634\u0627\u0643\u0644 \u0645\u0646 \u0628\u064a\u0646\u0647\u0627 \u0627\u062d\u062a\u0641\u0627\u0638 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u0628\u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0648\u0627\u0644\u0639\u0632\u0648\u0641 \u0645\u0646 \u0625\u064a\u062f\u0627\u0639\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0648\u0642\u062f \u064a\u0631\u062c\u0639 \u0627\u0644\u0633\u0628\u0628 \u0641\u064a \u0630\u0644\u0643 \u0625\u0644\u0649 \u062d\u062f\u0648\u062b \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0638\u0631\u0648\u0641 \u0627\u0644\u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629 \u0645\u0646\u0647\u0627 \u062d\u062f\u0648\u062b \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629.<\/p>\n

\u0648\u0628\u0627\u0644\u0646\u0638\u0631 \u0625\u0644\u0649 \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0644\u064a\u0628\u064a \u0623\u0646\u0647 \u064a\u0639\u0645\u0644 \u0641\u064a \u0638\u0631\u0648\u0641 \u063a\u064a\u0631 \u0645\u0633\u062a\u0642\u0631\u0629\u060c \u0627\u0644\u0627\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0648\u062c\u0648\u062f \u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0633\u062a\u0642\u0637\u0627\u0628 \u0648\u062c\u0630\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0627\u0644\u062a\u064a \u0644\u0647\u0627 \u0639\u0644\u0627\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0628\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0644\u0630\u0644\u0643 \u0641\u0642\u062f \u062a\u0645\u060c \u0627\u0646\u0634\u0623 \u0635\u0646\u062f\u0648\u0642 \u0636\u0645\u0627\u0646 \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646 \u062a\u0646\u0641\u064a\u0630\u0627\u064b \u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u0627\u062f\u0629 \u0631\u0642\u0645 (91) \u0623\u0648\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0631\u0642\u0645 (1) \u0644\u0639\u0627\u0645 2005 \u0645 \u0628\u0634\u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0642\u0636\u064a \u0628\u0623\u0646 “\u064a\u0646\u0634\u0623 \u0635\u0646\u062f\u0648\u0642 \u064a\u0633\u0645\u0649 \u0635\u0646\u062f\u0648\u0642 \u0636\u0645\u0627\u0646 \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u064a\u0646\u060c \u064a\u062a\u0648\u0644\u0649 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0628\u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0644\u064a\u0628\u064a\u0627 \u060c \u0648\u064a\u0636\u0645 \u0641\u064a \u0639\u0636\u0648\u064a\u062a\u0647 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0628\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 “\u060c \u0648\u0641\u064a \u0630\u0627\u062a \u0627\u0644\u0625\u0637\u0627\u0631 \u0623\u0635\u062f\u0631 \u0627\u0644\u0642\u0631\u0627\u0631 \u0631\u0642\u0645 (513) \u0644\u0639\u0627\u0645 2009 \u0645\u060c \u0628\u0634\u0623\u0646 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u0644\u0635\u0646\u062f\u0648\u0642 \u060c \u0644\u064a\u0635\u062f\u0631 \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u0645\u0635\u0631\u0641 \u0644\u064a\u0628\u064a\u0627 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0642\u0631\u0627\u0631\u0647 \u0631\u0642\u0645 (3) \u0644\u0639\u0627\u0645 2010 \u0628\u0634\u0623\u0646 \u062a\u0639\u064a\u064a\u0646 \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u062f\u0648\u0642\u060c \u0644\u064a\u0628\u062f\u0623 \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0641\u064a \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0639\u0645\u0627\u0644\u0647 \u0627\u0639\u062a\u0628\u0627\u0631\u0627 \u0645\u0646 \u0628\u062f\u0627\u064a\u0629 \u0634\u0647\u0631 \u0641\u0628\u0631\u0627\u064a\u0631 2010. \u0648\u0627\u0639\u062a\u0628\u0631\u062a \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u0639\u0627\u0645 2010 \u0645 \u062a\u0627\u0631\u064a\u062e\u0627\u064b \u0644\u0628\u062f\u0621 \u0646\u0641\u0627\u0630 \u0646\u0638\u0627\u0645 \u0627\u0644\u0635\u0646\u062f\u0648\u0642.<\/p>\n

\u0639\u0644\u064a\u0647 \u064a\u0645\u0643\u0646 \u0635\u064a\u0627\u063a\u0629 \u0645\u0634\u0643\u0644\u0629 \u0627\u0644\u0628\u062d\u062b \u0641\u064a \u0627\u0644\u0633\u0624\u0627\u0644 \u0627\u0644\u0622\u062a\u064a:<\/p>\n

\u0645\u0627 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u061f<\/strong><\/p>\n

\u0641\u0631\u0636\u064a\u0629 \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n

\u0644\u0627 \u062a\u0648\u062c\u062f \u0623\u0647\u0645\u064a\u0629 \u0644\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0644\u064a\u0628\u064a\u0629.<\/strong><\/p>\n

\u0647\u062f\u0641 \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n

\u064a\u0647\u062f\u0641 \u0627\u0644\u0628\u062d\u062b \u0625\u0644\u0649 \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n

\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n

\u062a\u0643\u0645\u0646 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0628\u062d\u062b \u0641\u064a \u0627\u0644\u0622\u062a\u064a:<\/p>\n

– \u0625\u0628\u0631\u0627\u0632 \u0623\u0647\u0645\u064a\u0629 \u0646\u0638\u0627\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0642\u0648\u064a\u0629 \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a.<\/p>\n

– \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0633\u064a\u0627\u0633\u0629 \u0627\u0633\u062a\u0642\u0637\u0627\u0628 \u0627\u0644\u0648\u062f\u0627\u0626\u0639.<\/p>\n

\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629:<\/strong><\/p>\n

\u062a\u0644\u0639\u0628 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0644\u064a\u0628\u064a\u0627 \u062f\u0648\u0631\u0647\u0627 \u0627\u0644\u0645\u0647\u0645 \u0641\u064a \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u062a\u0647\u064a\u0626\u0629 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0636\u062e\u0647\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u062a\u0633\u0647\u0645 \u0628\u0634\u0643\u0644 \u0623\u0648 \u0628\u0623\u062e\u0631 \u0641\u064a \u062a\u0646\u0645\u064a\u0629 \u0648\u062a\u0637\u0648\u064a\u0631 \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0644\u064a\u0628\u064a. \u0648\u062a\u062a\u0645\u064a\u0632 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0628\u0627\u0646\u062a\u0634\u0627\u0631\u0647\u0627 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a \u0627\u0644\u0623\u0648\u0633\u0639 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0628\u0644\u0627\u062f\u060c \u0648\u062a\u0642\u0648\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0628\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a\u060c \u0643\u0645\u0627 \u0623\u0646\u0647\u0627 \u062a\u0642\u062f\u0645 \u0628\u0639\u0636 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a\u060c \u0648\u0628\u0630\u0644\u0643 \u0641\u0625\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0644\u064a\u0628\u064a\u0627 \u062a\u0642\u0648\u0645 \u0628\u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u062a\u0642\u062a\u0631\u0628 \u0645\u0646 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0634\u0627\u0645\u0644\u0629.<\/p>\n

\u0648\u064a\u062e\u062a\u0644\u0641 \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u0630\u064a \u064a\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0644\u0628\u0627\u062d\u062b\u0648\u0646 \u0648\u0628\u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u0646\u0638\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u062a\u064a \u062a\u0624\u062f\u064a\u0647\u0627 \u062a\u0644\u0643 \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0644\u0630\u0644\u0643 \u062a\u0646\u0648\u0639\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0627\u062a\u060c \u0641\u0639\u0631\u0651\u0641 \u0639\u0628\u062f\u0627\u0644\u0628\u0627\u0642\u064a (12:2015)<\/strong> \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0628\u0623\u0646\u0647 ” \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0631\u062a\u0643\u0632 \u0646\u0634\u0627\u0637\u0647\u0627 \u0641\u064a \u0642\u0628\u0648\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0648\u0645\u0646\u062d \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 <\/em>\u0648\u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u0641\u0647\u0648\u0645 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0648\u0633\u064a\u0637 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0641\u0627\u0626\u0636 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0639\u062c\u0632”.<\/p>\n

\u0648\u0639\u0631\u0651\u0641\u0647\u0627 \u062d\u0633\u0646 (23:2019)<\/strong> \u0639\u0644\u0649 \u0625\u0646\u0647\u0627 “\u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0642\u0648\u0645\u0648\u0646 \u0628\u0642\u0628\u0648\u0644 \u0648\u062f\u0627\u0626\u0639 \u062a\u064f\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628\u060c \u0623\u0648 \u0644\u0622\u062c\u0627\u0644 \u0645\u062d\u062f\u062f\u0629\u060c \u0648\u062a\u0632\u0627\u0648\u0644 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u060c \u0648\u0627\u0644\u062e\u0627\u0631\u062c\u064a\u060c \u0648\u062e\u062f\u0645\u062a\u0647 \u0628\u0645\u0627 \u064a\u062d\u0642\u0642 \u0623\u0647\u062f\u0627\u0641 \u062e\u0637\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629\u060c \u0648\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062f\u0648\u0644\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0642\u0648\u0645\u064a\u060c \u0648\u062a\u0628\u0627\u0634\u0631 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u062f\u0627\u062e\u0644 \u0648\u0627\u0644\u062e\u0627\u0631\u062c\u060c \u0628\u0645\u0627 \u064a\u0633\u0627\u0647\u0645 \u0641\u064a \u0625\u0646\u0634\u0627\u0621 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a\u060c \u0648\u0645\u0627 \u064a\u062a\u0637\u0644\u0628 \u0645\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0648\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0641\u0642\u0627 \u0644\u0644\u0623\u0648\u0636\u0627\u0639 \u0627\u0644\u062a\u064a \u064a\u0642\u0631\u0631\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a”.<\/em><\/p>\n

\u0648\u0631\u062f \u0628\u0640\u0640\u0627\u0644\u0640\u0640\u0645\u0640\u0627\u062f\u0629 (65) \u0645\u0640\u0646 \u0642\u0640\u0627\u0646\u0640\u0640\u0648\u0646 \u0627\u0644\u0640\u0645\u0640\u0635\u0640\u0640\u0627\u0631\u0641 \u0631\u0642\u0640\u0645 (1) \u0644\u0640\u0633\u0640\u0646\u0640\u0629 2005<\/strong> \u062a\u0640\u0639\u0640\u0631\u064a\u0640\u0641\u0640\u0627\u064b \u0644\u0640\u0644\u0640\u0645\u0640\u0635\u0640\u0631\u0641 \u0627\u0644\u0640\u062a\u0640\u062c\u0640\u0627\u0631\u064a \u0639\u0644\u0649 \u0623\u0646\u0647:” \u064a\u0639\u062a\u0628\u0631 \u0645\u0635\u0631\u0641\u0627\u064b \u062a\u062c\u0627\u0631\u064a\u0627\u064b \u0643\u0644 \u0634\u0631\u0643\u0629 \u062a\u0642\u0648\u0645 \u0628\u0635\u0641\u0629 \u0645\u0639\u062a\u0627\u062f\u0629 \u0628\u0642\u0628\u0648\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0641\u064a \u062d\u0633\u0627\u0628\u0627\u062a \u062c\u0627\u0631\u064a\u0629 \u062a\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628 \u0623\u0648 \u0644\u0622\u062c\u0644\u060c \u0648\u0641\u062a\u062d \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0648\u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0645\u0633\u062d\u0648\u0628\u0629 \u0645\u0646 \u0627\u0644\u0632\u0628\u0627\u0626\u0646 \u0623\u0648 \u0639\u0644\u064a\u0647\u0645 \u0648\u0645\u0646\u062d \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u063a\u064a\u0631 \u0630\u0644\u0643 \u0645\u0646 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/em> …. ” .<\/p>\n

\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629:<\/strong><\/p>\n

\u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0641\u0646\u064a\u0629 \u0647\u064a \u0627\u0644\u0641\u0631\u062c\u0627\u0646\u064a(2020):<\/strong><\/p>\n

– \u0642\u0628\u0648\u0644 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0628\u062c\u0645\u064a\u0639 \u0623\u0646\u0648\u0627\u0639\u0647\u0627<\/strong>: \u064a\u0642\u0628\u0644 \u0627\u0644\u0645\u0635\u0631\u0641 \u0648\u062f\u0627\u0626\u0639 \u062a\u062d\u062a \u0627\u0644\u0637\u0644\u0628 \u0648\u0647\u064a \u0627\u0644\u062a\u064a \u064a\u062d\u0642 \u0644\u0644\u0645\u0648\u062f\u0639 \u0633\u062d\u0628\u0647\u0627 \u0643\u0644\u0647\u0627 \u0623\u0648 \u062c\u0632\u0621 \u0645\u0646\u0647\u0627 \u0628\u0645\u062c\u0631\u062f \u0627\u0644\u0637\u0644\u0628\u060c \u0648\u0648\u062f\u0627\u0626\u0639 \u0644\u0623\u062c\u0644 \u0648\u0647\u064a \u0627\u0644\u062a\u064a \u064a\u0633\u062d\u0628\u0647\u0627 \u0627\u0644\u0645\u0648\u062f\u0639 \u0628\u0639\u062f \u0641\u062a\u0631\u0629 \u0632\u0645\u0646\u064a\u0629 \u064a\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627\u060c \u0628\u0641\u0627\u0626\u062f\u0629 \u0645\u0639\u0644\u0648\u0645\u0629.<\/p>\n

– \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0635\u0643\u0648\u0643 \u0627\u0644\u0645\u0633\u062d\u0648\u0628\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0623\u0648 \u0639\u0644\u064a\u0647\u0645.<\/p>\n

– \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646:<\/strong>\u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0644\u062f\u064a\u0647\u0627 \u0641\u064a \u0645\u0646\u062d \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0633\u0644\u0641\u064a\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n

– \u0641\u062a\u062d \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u064a\u0629:<\/strong> \u064a\u0633\u062a\u0639\u0645\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u064a \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629 \u0648\u064a\u064f\u0639\u0631\u0651\u0641 \u0628\u0623\u0646\u0647 \u062a\u0639\u0647\u062f \u064a\u0635\u062f\u0631\u0647 \u0627\u0644\u0645\u0635\u0631\u0641 \u0628\u0646\u0627\u0621 \u0639\u0644\u0649 \u0637\u0644\u0628 \u0632\u0628\u0648\u0646\u0647 (\u0627\u0644\u0645\u0633\u062a\u0648\u0631\u062f) \u0644\u0635\u0627\u0644\u062d \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f (\u0627\u0644\u0645\u064f\u0635\u062f\u0651\u0631) \u0645\u0642\u0627\u0628\u0644 \u0639\u0645\u0648\u0644\u0629 \u064a\u062a\u0642\u0627\u0636\u0627\u0647\u0627 \u0627\u0644\u0645\u0635\u0631\u0641.<\/p>\n

– \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 ( \u0627\u0644\u0643\u0645\u0628\u064a\u0627\u0644\u0627\u062a ) \u0644\u0635\u0627\u0644\u062d \u0627\u0644\u0632\u0628\u0627\u0626\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646\u0647\u0645.<\/p>\n