{"id":2116,"date":"2021-11-07T20:54:53","date_gmt":"2021-11-07T20:54:53","guid":{"rendered":"https:\/\/www.hnjournal.net\/?page_id=2116"},"modified":"2021-11-07T20:54:58","modified_gmt":"2021-11-07T20:54:58","slug":"2-11-29","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/en\/2-11-29\/","title":{"rendered":"\u062a\u062d\u0644\u064a\u0644 \u0648\u0642\u064a\u0627\u0633 \u0623\u062b\u0631 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0639\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629"},"content":{"rendered":"

\u0645 . \u0645 . \u0622\u0645\u0646\u0629 \u0645\u0624\u064a\u062f \u0639\u0628\u062f \u0627\u0644\u0644\u06471<\/sup> \u0645 . \u0645 . \u063a\u0635\u0648\u0646 \u062a\u0644\u0641\u0627\u0646 \u0645\u062f\u0644\u0648\u06442<\/sup><\/strong><\/p>\n

1<\/sup> \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0641\u0631\u0627\u0647\u064a\u062f\u064a \/ \u0628\u063a\u062f\u0627\u062f \u2013 \u0627\u0644\u0639\u0631\u0627\u0642<\/p>\n

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

2<\/sup>\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0641\u0631\u0627\u0647\u064a\u062f\u064a \/ \u0628\u063a\u062f\u0627\u062f – \u0627\u0644\u0639\u0631\u0627\u0642<\/p>\n

Email: Ghossontalfa@gmail.com<\/a><\/p>\n

HNSJ, 2021, 2(11); https:\/\/doi.org\/10.53796\/hnsj21129<\/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: 23\/10\/2021\u0645<\/p>\n

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

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\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong>\u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062e\u0627\u0635\u0629.<\/p>\n

\n

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

Analyze and measure the impact of the quality of private banking services on increasing competitiveness<\/strong><\/p>\n

A.M. Amina Moayed Abdalla Aldewagi1<\/sup> A.M.Ghosson Talfan Madlol Alazzawy2<\/sup><\/strong><\/p>\n

1<\/sup> Al-Farahidi University<\/p>\n

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

Al-Farahidi University<\/p>\n

Email: Ghossontalfa@gmail.com<\/a><\/p>\n

HNSJ, 2021, 2(11); https:\/\/doi.org\/10.53796\/hnsj21129<\/p>\n

\n

Published at 01\/11\/2021 Accepted at 23\/10\/2021 <\/strong><\/p>\n

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

The quality of banking services is one of the modern trends within thought at the administrative level, which has achieved an important aspect of interest and is still being achieved by many writers and economists who specialized in this field, as it is considered the approach that leads to the development of work strategically and improves performance and thus achieves Earning through premium services.<\/p>\n

The study is concerned with the most important financial issues in the present era, in which modern technology has prevailed in various aspects of economic, cultural and social life. To get acquainted with the extent of interest on the part of bank officials in raising competitiveness in an attempt to attract customers to deal with these banks and their balances, and their involvement in investments that achieve huge profits for banks, which increases the financial competitiveness of these banks.<\/p>\n

The study also aims to work on showing the basic requirements necessary to adopt and adopt them in an effort to improve and upgrade the performance of the bank’s service providers to its customers and to strive to improve the quality of these services in support of the competitive advantage among banks. As well as working to find a practical and theoretical picture to draw the framework between each of the concepts of quality in performance as a method of providing banking service, and the concept of enhancing the competitive advantage of banks in an effort to achieve excellence in performance.<\/p>\n

\n

Key Words: <\/strong>quality of banking services, competitiveness, private banks.<\/p>\n

\n

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

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

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\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0628\u062d\u062b<\/strong>:<\/p>\n

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    \n
  1. \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062f\u0639\u0648\u0629 \u0635\u0627\u0646\u0639\u064a \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0628\u0646\u0648\u0643 \u0625\u0644\u0649 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0636\u0631\u0648\u0631\u0629 \u0631\u0641\u0639 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0623\u062f\u0627\u0621 \u0641\u064a \u0627\u0644\u0623\u0633\u0644\u0648\u0628 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0644\u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0637\u0628\u064a\u0642 \u0645\u0628\u0627\u062f\u0626 \u0648\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u0633\u0644\u0648\u0643\u064a\u0629 \u0648\u0627\u0644\u0623\u062e\u0644\u0627\u0642\u064a\u0629 \u0644\u0644\u0645\u0647\u0646\u0629 \u0645\u0646 \u062c\u0647\u0629\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u062a\u0637\u0648\u064a\u0631 \u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0642\u062f\u0645\u064a\u0646 \u0644\u0644\u062e\u062f\u0645\u0629 \u0648\u062a\u062d\u062f\u064a\u062f\u0627\u064b \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0641\u064a \u0627\u0644\u0635\u0641 \u0627\u0644\u0623\u0645\u064a \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u062a\u062a\u062d\u0642\u0642 \u0645\u0639\u0647 \u0627\u0644\u062c\u0648\u062f\u0629 \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621 \u0648\u0627\u0644\u062a\u0645\u064a\u0632 \u0645\u0646 \u062c\u0647\u0629 \u0623\u062e\u0631\u0649\u061b \u0648\u0630\u0644\u0643 \u0633\u0639\u064a\u0627\u064b \u0644\u0625\u0631\u0636\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062d\u0627\u0644\u064a\u064a\u0646\u060c \u0648\u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0633\u062a\u0642\u0637\u0627\u0628 \u0639\u0645\u0644\u0627\u0621 \u062c\u062f\u062f\u060c \u0648\u0628\u0627\u0644\u0646\u062a\u064a\u062c\u0629 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u0647\u0627\u0645\u0629 \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0627\u0644\u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0639\u0627\u0645 \u0644\u0644\u0628\u0646\u0643 .<\/li>\n
  2. \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0648\u0627\u0644\u0623\u062e\u0630 \u0628\u0647\u0627 \u0633\u0639\u064a\u0627\u064b \u0644\u062a\u062d\u0633\u064a\u0646 \u0648\u062a\u0631\u0642\u064a\u0629 \u0627\u0644\u0623\u062f\u0627\u0621 \u0644\u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641 \u0644\u0639\u0645\u0644\u0627\u0626\u0647 \u0648\u0627\u0644\u0633\u0639\u064a \u0644\u0644\u0627\u0631\u062a\u0642\u0627\u0621 \u0628\u062c\u0648\u062f\u0629 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u062f\u0639\u0645\u0627\u064b \u0644\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643.<\/li>\n
  3. \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u064a\u062c\u0627\u062f \u0635\u0648\u0631\u0629 \u0639\u0645\u0644\u064a\u0629 \u0648\u0646\u0638\u0631\u064a\u0629 \u0644\u0631\u0633\u0645 \u0627\u0644\u0625\u0637\u0627\u0631 \u0628\u064a\u0646 \u0643\u0644 \u0645\u0646 \u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u062c\u0648\u062f\u0629 \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621 \u0643\u0623\u0633\u0644\u0648\u0628 \u0644\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629\u060c \u0648\u0628\u064a\u0646 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0639\u0632\u064a\u0632 \u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643 \u0633\u0639\u064a\u0627\u064b \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621.<\/li>\n
  4. \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0648\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u064a \u0645\u0646 \u0634\u0623\u0646\u0647\u0627 \u0623\u0646 \u062a\u0633\u0627\u0647\u0645 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062c\u0648\u062f\u0629 \u0641\u064a \u0627\u0644\u0623\u062f\u0627\u0621 \u0641\u064a \u0627\u0644\u0623\u0633\u0644\u0648\u0628 \u0627\u0644\u0630\u064a \u062a\u0642\u062f\u0645 \u0628\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u061b \u062a\u0639\u0632\u064a\u0632\u0627\u064b \u0644\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643.<\/li>\n<\/ol>\n

    \u0645\u0646\u0647\u062c \u0627\u0644\u0628\u062d\u062b:<\/strong><\/p>\n

    \u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u0648\u0635\u0641\u064a \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u064a \u0627\u0644\u0630\u064a \u064a\u0642\u0648\u0645 \u0628\u062c\u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0631\u0627\u062f \u062f\u0631\u0627\u0633\u062a\u0647\u0627 \u062d\u0648\u0644 \u0638\u0627\u0647\u0631\u0629 \u0645\u0627 \u062a\u0645 \u062a\u0646\u0638\u064a\u0645\u0647\u0627 \u0648 \u062a\u062d\u0644\u064a\u0644\u0647\u0627 .<\/p>\n

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

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

    \u0645\u062c\u062a\u0645\u0639 \u0648\u0639\u064a\u0646\u0629 \u0627\u0644\u0628\u062d\u062b :<\/strong><\/p>\n

    \u064a\u062a\u0645\u062b\u0644 \u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0628\u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u060c \u062d\u064a\u062b \u062a\u0645 \u062a\u0648\u0632\u064a\u0639 \u0627\u0633\u062a\u0628\u0627\u0646\u0629 \u0628\u0637\u0631\u064a\u0642\u0629 \u0639\u0634\u0648\u0627\u0626\u064a\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648 \u0628\u0644\u063a \u0639\u062f\u062f\u0647\u0627 40 \u0627\u0633\u062a\u0645\u0627\u0631\u0629 .<\/p>\n

    \u0627\u0644\u0645\u0628\u062d\u062b \u0627\u0644\u0627\u0648\u0644<\/strong><\/p>\n

    \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0646\u0638\u0631\u064a \u0644\u0644\u062f\u0631\u0627\u0633\u0629<\/strong><\/p>\n

    \u0627\u0644\u0645\u0637\u0644\u0628 \u0627\u0644\u0623\u0648\u0644: \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/strong><\/p>\n

    \u0627\u0648\u0644\u0627: \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/strong><\/p>\n

    \u064a\u0645\u0643\u0646 \u0623\u0646 \u0646\u0639\u0631\u0641 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0628\u0623\u0646\u0647\u0627 \u0623\u0646\u0634\u0637\u0629 \u0623\u0648 \u062a\u0635\u0631\u0641\u0627\u062a \u0623\u0648 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0630\u064a \u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645\u0647 \u0645\u0646 \u0637\u0631\u0641 \u0644\u0622\u062e\u0631 \u0648\u062a\u0639\u062a\u0628\u0631 \u0647\u0630\u0647 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u063a\u064a\u0631 \u0645\u0644\u0645\u0648\u0633\u0629 \u0648\u0647\u064a \u0623\u0646\u0634\u0637\u0629 \u0644\u0627 \u064a\u062a\u0631\u062a\u0628 \u0639\u0644\u064a\u0647\u0627 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0644\u0634\u064a\u0621 \u0645\u0627 \u0623\u064a\u0636\u0627\u064b \u0625\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0644\u064a\u0633 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0623\u0646 \u064a\u0643\u0648\u0646 \u0645\u0631\u062a\u0628\u0637 \u0628\u0634\u064a\u0621 \u0645\u0627\u062f\u064a \u0628\u0644 \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0623\u0646 \u064a\u0631\u062a\u0628\u0637 \u0628\u0625\u0646\u062a\u0627\u062c \u063a\u064a\u0631 \u0645\u0627\u062f\u064a \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u0644\u0645\u0633\u0647. (\u0627\u0644\u0631\u0648\u064a\u0633\u060c 2002)<\/p>\n

    \u0643\u0645\u0627 \u0639\u0631\u0641 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0643\u0644 \u0645\u0646 Kotler&Armstrong \u0628\u0623\u0646\u0647\u0627 \u0627\u0644\u0645\u0646\u0627\u0641\u0639 \u0623\u0648 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0623\u0648 \u0627\u0644\u0627\u0634\u0628\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u0623\u0648\u0644 (\u0627\u0644\u0628\u0627\u0626\u0639) \u0644\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0646\u064a (\u0627\u0644\u0645\u0634\u062a\u0631\u064a)\u060c \u0648\u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0627 \u062a\u0643\u0648\u0646 \u0645\u0644\u0645\u0648\u0633\u0629 \u0628\u0637\u0628\u064a\u0639\u062a\u0647\u0627 \u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u0628\u0627\u0639 \u0644\u0627 \u064a\u062a\u0631\u062a\u0628 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0646\u0642\u0644 \u0644\u0645\u0644\u0643\u064a\u0629 \u0645\u0639\u064a\u0646\u0629\u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0627\u0646\u062a\u0627\u062c \u0648\u062a\u0642\u062f\u064a\u0645 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0629 \u0645\u062a\u0635\u0644 \u0628\u0645\u0646\u062a\u062c \u0630\u0627\u062a \u0637\u0627\u0628\u0639 \u0645\u0627\u062f\u064a \u0648\u0642\u0627\u0628\u0644 \u0644\u0644\u0645\u0633. (Kotler&Armstrong,1996)<\/p>\n

    \u0623\u0645\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u062a\u062d\u062f\u064a\u062f \u0641\u0642\u062f \u0639\u0631\u0641\u062a \u0639\u0644\u0649 \u0623\u0646\u0647\u0627: \u0645\u062c\u0645\u0648\u0639\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0645\u0636\u0645\u0648\u0646 \u0646\u0641\u0639\u064a \u064a\u062a\u0635\u0641 \u0628\u062a\u063a\u0644\u0628 \u0639\u0646\u0627\u0635\u0631 \u063a\u064a\u0631 \u0645\u0644\u0645\u0648\u0633\u0629 \u0639\u0644\u0649 \u0639\u0646\u0627\u0635\u0631\u0647 \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u062f\u0631\u0643\u0647\u0627 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0623\u0648 \u064a\u062f\u0631\u0643\u0647\u0627 \u0627\u0644\u0641\u0631\u062f \u0648\u0630\u0644\u0643 \u0639\u0628\u0631 \u0627\u0644\u062f\u0644\u0627\u0644\u0627\u062a \u0648\u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u0646\u0641\u0639\u064a\u0629 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u062a\u0643\u0648\u0646 \u0645\u0635\u062f\u0631\u0627\u064b \u0644\u0627\u0634\u0628\u0627\u0639 \u0627\u0644\u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0622\u0646\u064a\u0629 \u0645\u0646\u0647\u0627 \u0648\u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0648\u062a\u0643\u0648\u0646 \u0645\u0635\u062f\u0631\u0627\u064b \u0645\u0646 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0631\u0628\u062d \u0644\u0644\u0645\u0635\u0631\u0641 \u0648\u0630\u0644\u0643 \u0639\u0628\u0631 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u062a\u0628\u0627\u062f\u0644\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0643 \u0648\u0639\u0645\u0644\u0627\u0626\u0647. (\u062c\u0645\u0639\u064a\u0629 \u0627\u0644\u0628\u0646\u0648\u0643 \u0641\u064a \u0627\u0644\u0623\u0631\u062f\u0646\u060c 2012)<\/p>\n

    \u062b\u0627\u0646\u064a\u0627: \u0623\u0647\u0645\u064a\u0629 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0623\u0628\u0639\u0627\u062f\u0647\u0627<\/strong><\/p>\n

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      \n
    1. \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629: \u0648\u0647\u064a \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u0648\u0642\u0639\u0647\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062a\u062a\u0645\u062b\u0644 \u0641\u064a \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u064a \u064a\u0637\u0644\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062c\u0648\u062f\u0647\u0627 \u0636\u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0631\u063a\u0648\u0628\u0629.<\/li>\n
    2. \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u062a\u0623\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u0646\u0643 \u0623\u0646\u0647\u0627 \u0645\u0646\u0627\u0633\u0628\u0629 \u0648\u0645\u0637\u0644\u0648\u0628\u0629.<\/li>\n
    3. \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0642\u064a\u0627\u0633\u064a\u0629 : \u0648\u0647\u064a \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0627\u0644\u0646\u0648\u0639\u064a\u0629 \u0644\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0631\u063a\u0648\u0628\u0629.<\/li>\n
    4. \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629: \u0648\u0647\u064a \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0624\u062f\u0649 \u0628\u0647\u0627 \u062e\u062f\u0645\u0629 \u0645\u0627.<\/li>\n
    5. \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062e\u0627\u0645\u0633 \u0647\u0648 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u0645\u0646 \u0644\u0639\u0645\u0644\u0627\u0621. (\u0627\u0644\u0634\u0631\u0627\u062d\u060c 2007 )<\/li>\n<\/ol>\n

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\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0644\u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0623\u0628\u062d\u0627\u062b \u0628\u0623\u0646\u0647\u0627 \u0623\u0643\u062f\u062a \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u0625\u062f\u0631\u0627\u0643\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0643\u0623\u062d\u062f \u0645\u0642\u0627\u064a\u064a\u0633 \u0627\u0644\u062c\u0648\u062f\u0629 \u0644\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629. (\u0627\u0644\u0637\u0627\u0644\u0628\u060c 2002).<\/p>\n

      \u0648\u0627\u0644\u0645\u062f\u062e\u0644 \u0627\u0644\u062b\u0627\u0646\u064a \u0647\u0648 \u0627\u0644\u0645\u062f\u062e\u0644 \u0644\u0646\u0638\u0631\u064a\u0629 \u0627\u0644\u0641\u062c\u0648\u0629: \u0647\u0630\u0627 \u0627\u0644\u0645\u062f\u062e\u0644 \u0646\u0634\u0623 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0623\u0646 \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641 \u0628\u064a\u0646 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062e\u0627\u0635 \u0628\u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u0628\u064a\u0646 \u0625\u062f\u0631\u0627\u0643\u0627\u062a\u0647\u0645 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0629 \u0647\u0648 \u0627\u0644\u0630\u064a \u064a\u062d\u062f\u062f \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062c\u0648\u062f\u0629 \u0644\u0644\u062e\u062f\u0645\u0629\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0641\u0625\u0646 \u0645\u0633\u062a\u0648\u0649 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u064a\u062a\u0639\u064a\u0646 \u0628\u0627\u0644\u0641\u0631\u0642 \u0627\u0644\u0643\u0627\u0626\u0646 \u0645\u0627 \u0628\u064a\u0646 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062f\u0631\u0643\u0629 \u0641\u0639\u0644\u064a\u0627\u064b \u0648\u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u060c \u0623\u064a \u0623\u0646 \u0627\u0644\u062c\u0648\u062f\u0629 \u0644\u0644\u062e\u062f\u0645\u0629 \u062a\u0639\u0646\u064a \u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u0627\u0644\u0633\u0639\u064a \u0644\u0625\u062f\u0631\u0627\u0643\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u062a\u0648\u0627\u0635\u0644\u060c \u0648\u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u0623\u0648\u0636\u062d\u062a\u0647 \u0627\u062d\u062f\u0649 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0634\u0627\u0645\u0644\u0629 \u062d\u064a\u062b \u0627\u0631\u062a\u0623\u062a \u0628\u0623\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062f\u0631\u0643\u0629 \u0641\u0639\u0644\u064a\u0627\u064b \u062a\u062a\u0632\u0627\u064a\u062f \u0648\u062a\u062a\u0646\u0627\u0642\u0635 \u0639\u0644\u0649 \u0645\u062f\u0649 \u064a\u062a\u0631\u0627\u0648\u062d \u0645\u0627 \u0628\u064a\u0646 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u0642\u0628\u0648\u0644\u0629 \u0625\u0644\u0649 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062b\u0644\u0649. \u0648\u0643\u0646\u062a\u064a\u062c\u0629 \u0644\u0630\u0644\u0643 \u0641\u0625\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0642\u0627\u0633 \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0622\u062a\u064a:<\/p>\n

        \n
      1. \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062f\u0631\u0643\u0629 ( \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0641\u0639\u0644\u064a) \u0623\u0635\u063a\u0631 \u0645\u0646 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u0641\u0625\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0644\u0627 \u062a\u0643\u0648\u0646 \u0645\u0631\u0636\u064a\u0629 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0643\u0627\u0641\u064a .<\/li>\n
      2. \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062f\u0631\u0643\u0629 \u0645\u062a\u0633\u0627\u0648\u064a\u0629 \u0645\u0639 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u0641\u0625\u0646\u0647\u0627 \u062a\u0643\u0648\u0646 \u0645\u0631\u0636\u064a\u0629.<\/li>\n
      3. \u0623\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062f\u0631\u0643\u0629 \u0623\u0643\u0628\u0631 \u0645\u0646 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u060c \u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0641\u0625\u0646 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u062a\u062a\u062c\u0647 \u0646\u062d\u0648 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u062b\u0627\u0644\u064a\u0629 \u0648\u062a\u0643\u0648\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0631\u0636\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062c\u0627\u0644 \u0627\u0644\u0632\u0645\u0646\u064a \u0627\u0644\u0645\u0639\u064a\u0646. (\u0627\u0644\u0634\u0631\u0627\u062d\u060c 2007).<\/li>\n<\/ol>\n

        \u0648\u062a\u0643\u0645\u0646 \u0627\u0644\u0623\u0647\u0645\u064a\u0629 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u062c\u0648\u062f\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0641\u064a \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0644\u0645\u062e\u0627\u0637\u0631 \u0633\u0648\u0642 \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641 \u0639\u0627\u0645\u0629 \u0645\u0646 \u0623\u0646 \u062a\u0639\u0631\u0641 \u0645\u0648\u0642\u0639 \u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0644\u0647\u0627 \u0636\u0645\u0646 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0628\u0647\u0627 \u0648\u0630\u0644\u0643 \u0628\u0647\u062f\u0641 \u0645\u0633\u0627\u0639\u062f\u0629 \u0647\u0630\u0647 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0644\u062e\u062f\u0645\u0627\u062a\u0647\u0627 \u0627\u0644\u0645\u0642\u062f\u0645\u0629\u060c \u0628\u0647\u062f\u0641 \u0646\u0645\u0648 \u062d\u0635\u062a\u0647\u0627 \u0636\u0645\u0646 \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u062a\u0639\u0638\u064a\u0645 \u0623\u0631\u0628\u0627\u062d\u0647\u0627 \u0627\u0644\u062e\u0627\u0635\u0629. (\u0627\u0644\u062d\u062f\u0627\u062f\u060c 1999).<\/p>\n

        \u0627\u0644\u0645\u0637\u0644\u0628 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong><\/p>\n

        \u0623\u0648\u0644\u0627: \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629:<\/strong><\/p>\n

        \u062a\u0639\u0631\u0641 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0628\u0623\u0646\u0647\u0627: ” \u0647\u064a \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0639\u0644\u0649 \u0625\u064a\u062c\u0627\u062f \u0634\u064a\u0621 \u0645\u062a\u0641\u0631\u062f \u0648\u0645\u062e\u062a\u0644\u0641 \u064a\u0645\u064a\u0632 \u0643\u0644 \u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0627 \u0645\u0646 \u0627\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0627\u064a\u062c\u0627\u0628\u064a\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u064a\u0646 \u0641\u064a \u0646\u0638\u0631 \u0627\u0644\u0632\u0628\u0627\u0626\u0646 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0642\u064a\u0627\u0645 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0628\u0623\u062f\u0627\u0621 \u0623\u0646\u0634\u0637\u062a\u0647\u0627 \u0628\u0635\u0648\u0631\u0629 \u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629 \u0648\u0641\u0627\u0639\u0644\u064a\u0629 “. (\u0627\u0644\u0639\u062a\u0628\u064a \u0648 \u0627\u0644\u0631\u062d\u064a\u0645\u060c 2014).<\/p>\n

        \u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 “\u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0647\u064a \u0645\u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0639\u0644\u0649 \u0623\u0646 \u062a\u062d\u0642\u0642 \u0645\u0646\u0627\u0641\u0639 \u0648\u0630\u0644\u0643 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u0646\u062a\u0627\u062c \u062e\u062f\u0645\u0627\u062a \u0648\u0633\u0644\u0639 \u0628\u062c\u0648\u062f\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u062a\u062c\u0630\u0628 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0646\u0627\u0641\u0633\u064a\u0647\u0627 \u0648\u062a\u0643\u0648\u0646 \u0641\u0639\u0627\u0644\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646\u0647\u0645\u060c \u0648\u0630\u0644\u0643 \u0628\u0633\u0639\u0631 \u0645\u0642\u0628\u0648\u0644 \u0648\u0641\u064a \u0648\u0642\u062a \u0645\u0646\u0627\u0633\u0628 \u0645\u0639 \u062a\u062d\u0642\u064a\u0642 \u0631\u0628\u062d\u064a\u0629 \u0623\u0643\u0628\u0631 “. (\u0625\u0628\u0631\u0627\u0647\u064a\u0645\u060c 2016).<\/p>\n

        \u0627\u0646\u0637\u0644\u0627\u0642\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u0644\u0627\u0635 \u0623\u0646 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0647\u064a ” \u0623\u0646 \u062a\u0642\u0648\u0645 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0628\u0627\u0643\u062a\u0634\u0627\u0641 \u0637\u0631\u0642 \u062c\u062f\u064a\u062f\u0629 \u0623\u0643\u062b\u0631 \u0641\u0639\u0627\u0644\u064a\u0629 \u0645\u0646 \u062a\u0644\u0643 \u0627\u0644\u0645\u0633\u062a\u0639\u0645\u0644\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u064a\u0646\u060c \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0637\u064a\u0639 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647\u0627 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0642\u062f\u0645 \u0648\u0627\u0644\u062a\u0641\u0648\u0642 \u0639\u0644\u0649 \u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0648\u0628\u0645\u0627 \u064a\u062d\u0642\u0642 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 “.<\/p>\n

        \u062b\u0627\u0646\u064a\u0627: \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629<\/strong><\/p>\n

        \u064a\u0642\u0635\u062f \u0628\u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0633\u062a\u0637\u064a\u0639 \u0628\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0623\u0646 \u064a\u0645\u064a\u0632 \u0646\u0641\u0633\u0647 \u0639\u0646 \u0645\u0646\u0627\u0641\u0633\u064a\u0647 \u0648\u064a\u062d\u0642\u0642 \u0644\u0646\u0641\u0633\u0647 \u0627\u0644\u062a\u0641\u0648\u0642 \u0648\u0627\u0644\u062a\u0645\u064a\u0632 \u0639\u0644\u064a\u0647\u0645\u060c \u0648\u0623\u0646 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0645\u0627 \u0647\u0648 \u0625\u0644\u0627 \u0645\u062d\u0635\u0644\u0629 \u0644\u0639\u0648\u0627\u0645\u0644 \u062d\u0642\u064a\u0642\u064a\u0629 \u0639\u062f\u064a\u062f\u0629 \u062a\u0646\u062f\u0645\u062c \u0641\u064a \u062a\u062e\u0641\u064a\u0636 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0648\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062c\u0648\u062f\u0629\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u062a\u0631\u062a\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u064a\u062e\u062a\u0627\u0631 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062a\u0633\u062a\u0646\u062f \u0639\u0644\u0649 \u0646\u0642\u0627\u0637 \u0627\u0644\u0642\u0648\u0629 \u0648\u0646\u0642\u0627\u0637 \u0627\u0644\u0636\u0639\u0641\u060c \u0648\u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0639\u0648\u0627\u0645\u0644 \u0645\u0647\u0645\u0629 \u0643\u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0648\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0632\u0628\u0648\u0646 \u0648\u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a. (\u0628\u0634\u064a\u0631\u060c 2012).<\/p>\n

        \u0648\u062a\u0639\u0631\u0641 \u0623\u064a\u0636\u0627: “\u0628\u0623\u0646\u0647\u0627 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0630\u064a \u064a\u0633\u0645\u062d \u0644\u0644\u0628\u0646\u0643 \u0628\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0645\u0639 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u0645\u062d\u064a\u0637\u0629 \u0628\u0647\u0627 \u0628\u0645\u062e\u062a\u0644\u0641 \u0639\u0646\u0627\u0635\u0631\u0647\u0627 \u0628\u0635\u0648\u0631\u0629 \u0623\u0641\u0636\u0644 \u0645\u0646 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u064a\u0646 \u0623\u064a \u0623\u0646 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u062a\u0639\u0628\u0631 \u0639\u0646 \u0645\u062f\u0649 \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0628\u0637\u0631\u064a\u0642\u0629 \u0645\u0645\u064a\u0632\u0629 \u064a\u0635\u0639\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u064a\u0646 \u0644\u0647 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 “. (\u0637\u0647\u060c 2000).<\/p>\n

        \u062b\u0627\u0644\u062b\u0627: \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0634\u0643\u0644 \u0645\u0646\u0647\u0627 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0628\u0646\u0643<\/strong><\/p>\n

        \u0625\u0646 \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0645\u0635\u0631\u0641 \u0647\u064a \u0639\u062f\u064a\u062f\u0629 \u0648\u0630\u0644\u0643 \u0644\u0643\u064a \u064a\u062d\u0627\u0648\u0644 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0639\u0644\u0649 \u0645\u0646\u0627\u0641\u0633\u064a\u0647 \u0648\u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u062e\u0644\u0642 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0645\u0635\u0631\u0641\u060c \u0647\u064a: (\u0627\u0644\u0633\u0644\u0645\u064a\u060c 1996)<\/p>\n

          \n
        1. \u0642\u062f\u0631\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a\u0629: \u062a\u062a\u0645\u062b\u0644 \u0641\u064a \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0641\u0639\u0627\u0644\u0629\u060c \u0648\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u062a\u0627\u062d \u062d\u0648\u0644 \u0643\u0644 \u0645\u0646 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0648\u0639\u0646\u0627\u0635\u0631 \u0646\u0638\u0627\u0645 \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/li>\n
        2. \u0642\u062f\u0631\u0629 \u0625\u0646\u062a\u0627\u062c\u064a\u0629: \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629 \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u0645\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0628\u062d\u062b\u064a\u0629 \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0637\u064a\u0639 \u0627\u0646\u062a\u0627\u062c \u062e\u062f\u0645\u0627\u062a \u0645\u062a\u0645\u064a\u0632\u0629.<\/li>\n
        3. \u0642\u062f\u0631\u0627\u062a \u062a\u0645\u0648\u064a\u0644\u064a\u0629 :\u0623\u064a \u062a\u0648\u0641\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0648\u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0628\u0631 \u0645\u0646 \u0627\u0644\u0645\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/li>\n
        4. \u0642\u062f\u0631\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629: \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0647\u064a\u0643\u0644\u064a \u0627\u0644\u0645\u0631\u0646 \u0627\u0644\u0645\u0646\u0641\u062a\u062d \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0626\u0629 \u0648\u0627\u0644\u0630\u064a \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0648\u0633\u0647\u0648\u0644\u0629 \u062a\u062f\u0641\u0642 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a.<\/li>\n
        5. \u0642\u062f\u0631\u0629 \u0628\u0634\u0631\u064a\u0629: \u0623\u064a \u062a\u0648\u0641\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u0645\u0633\u0629 \u0648\u0627\u0644\u0645\u062f\u0631\u0628\u0629 \u0648\u0627\u0644\u0645\u0624\u0647\u0644\u0629 \u0648\u0627\u0644\u062a\u064a \u062a\u0645\u0644\u0643 \u0627\u0644\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0630\u0647\u0646\u064a\u0629 \u0627\u0644\u0645\u0628\u062f\u0639\u0629 \u0648\u0627\u0644\u0631\u063a\u0628\u0629 \u0641\u064a \u0645\u0634\u0627\u0631\u0643\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0637\u0631\u0627\u0641.<\/li>\n
        6. \u0642\u062f\u0631\u0629 \u062a\u0633\u0648\u064a\u0642\u064a\u0629 : \u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a \u0648\u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0627\u0644\u0633\u0648\u0642 \u0648\u0627\u0644\u0633\u0639\u064a \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0625\u064a\u0635\u0627\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0625\u0644\u064a\u0647\u0645 \u0648\u0641\u0642 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0647\u0645 \u0648\u0628\u062d\u0633\u0628 \u062a\u0648\u0642\u0639\u0627\u062a\u0647\u0645 .<\/li>\n<\/ol>\n

          \u0631\u0627\u0628\u0639\u0627: \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062a\u0637\u0648\u064a\u0631 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643 <\/strong><\/p>\n

          \u0623\u0635\u0628\u062d \u0627\u0644\u0622\u0646 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u062a\u0633\u0639\u0649 \u0648\u0628\u062e\u0637\u0648\u0627\u062a \u0645\u062a\u0633\u0627\u0631\u0639\u0629 \u0644\u0643\u064a \u062a\u0637\u0648\u0631 \u0645\u0646 \u0627\u0644\u062c\u0648\u062f\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627\u060c \u0648\u0630\u0644\u0643 \u062d\u062a\u0649 \u062a\u0633\u062a\u0637\u064a\u0639 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u0631\u062a\u0642\u0627\u0621 \u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647\u0647\u0627 \u0648\u0630\u0644\u0643 \u062e\u0644\u0627\u0644 \u0627\u0644\u0642\u0631\u0646 \u0627\u0644\u0648\u0627\u062d\u062f \u0648\u0627\u0644\u0639\u0634\u0631\u064a\u0646 \u0648\u0647\u0646\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u0646\u062d\u062f\u062f \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u062d\u0627\u0648\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0639\u0645\u0644 \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062c\u0648\u062f\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0648\u0627\u0644\u062a\u064a \u062a\u062a\u0645\u062b\u0644 \u0641\u064a \u0627\u0644\u0622\u062a\u064a: (\u0627\u0644\u0642\u0627\u062f\u0631 \u0648 \u0639\u0628\u062f\u060c 2006)<\/p>\n

          1\u0640 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0645\u062a\u0627\u0628\u0639\u0629 \u0622\u062e\u0631 \u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0636\u0645\u0646 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0628\u0646\u0643\u064a :<\/strong><\/p>\n

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            \n
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              \n
            1. \u0627\u0644\u0633\u0639\u064a \u0644\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 <\/strong><\/li>\n<\/ol>\n

              \u0633\u0627\u062f \u0627\u0644\u0628\u0646\u0648\u0643 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0627\u0644\u062a\u064a \u0644\u0645 \u062a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0644 \u0627\u0645\u062a\u062f\u062a \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0623\u064a\u0636\u0627\u064b \u063a\u064a\u0631 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u060c \u0648\u062e\u0627\u0635\u0629 \u0628\u0639\u062f \u0627\u0644\u062a\u062d\u0631\u0631 \u0645\u0646 \u0627\u0644\u0642\u064a\u0648\u062f \u0627\u0644\u0630\u064a \u0633\u0627\u062f\u062a \u0641\u064a \u0622\u062e\u0631 \u0639\u0642\u062f\u064a\u0646\u060c \u0648\u062a\u062c\u0627\u0647 \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u062f\u064a \u0623\u0635\u0628\u062d \u0648\u0627\u062c\u0628\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u062a\u0633\u0639\u0649 \u0644\u062a\u0642\u062f\u064a\u0645 \u062d\u0632\u0645\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0645\u0646\u0647\u0627 \u0648\u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629\u060c \u0648\u0628\u064a\u0646 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u062a\u064a \u062a\u0646\u062a\u062c \u0628\u0648\u0627\u0633\u0637\u0629 \u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u062c\u0645\u0644\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 \u0627\u0644\u062a\u062c\u0632\u0626\u0629\u060c \u0648\u0630\u0644\u0643 \u062d\u062a\u0649 \u062a\u062d\u062a\u0641\u0638 \u0628\u0648\u0644\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0630\u0644\u0643 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0645\u062d\u0627\u0648\u0644\u0629 \u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0644\u0647\u0645 \u0648\u0635\u0648\u0644\u0627\u064b \u0625\u0644\u0649 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0634\u0627\u0645\u0644\u0629 \u0645\u0639 \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0628\u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0648\u0627\u0644\u062a\u064a \u0632\u0627\u062f \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u0630\u0644\u0643 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0627\u0636\u064a\u0629 \u060c \u0648\u0645\u0646 \u0623\u0647\u0645 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a:<\/p>\n

                \n
              • \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0628\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0641\u0631\u062f\u064a\u0629 \u0648\u0627\u0644\u062a\u064a \u062a\u0624\u062e\u0630 \u0628\u063a\u0631\u0636 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0635\u0639\u064a\u062f \u0627\u0644\u0634\u062e\u0635\u064a \u0648\u0627\u0644\u0639\u0627\u0626\u0644\u064a \u0645\u062b\u0644 \u0634\u0631\u0627\u0621 \u0645\u0646\u0627\u0632\u0644 \u0648\u0633\u064a\u0627\u0631\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u0643\u0647\u0631\u0628\u0627\u0626\u064a\u0629 \u0648\u0623\u062b\u0627\u062b \u0644\u0644\u0645\u0646\u0632\u0644.<\/li>\n
              • \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u062a\u0642\u062f\u064a\u0645 \u0642\u0631\u0648\u0636 \u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0646\u0627\u0647\u064a\u0629 \u0627\u0644\u0635\u063a\u0631 \u0648\u0627\u0644\u0635\u063a\u064a\u0631\u0629.<\/li>\n<\/ul>\n

                \u0648\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u062a\u0638\u0647\u0631 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0628\u0639\u0636 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629 \u0648\u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0645\u0646\u0647\u0627 \u0645\u062b\u0644:<\/p>\n

                  \n
                • \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 Syndicated Loans<\/li>\n
                • \u0627\u0644\u062a\u0623\u062c\u064a\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a Financial Leasing<\/li>\n
                • \u0634\u0631\u0627\u0621 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u0635\u062f\u064a\u0631 Forfaiting<\/li>\n
                • \u062e\u0635\u0645 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 Factoring<\/li>\n
                • \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0648\u0627\u0644\u062a\u062d\u0648\u0637 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0642\u0644\u0628\u0627\u062a \u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0635\u0631\u0641 \u0648\u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0645\u062b\u0644 \u0639\u0642\u0648\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0627\u062a \u0648\u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0622\u062c\u0644\u0629 \u0648\u0627\u0644\u0639\u0642\u0648\u062f \u0627\u0644\u0622\u062c\u0644\u0629.<\/li>\n<\/ul>\n
                    \n
                  1. \u0627\u0644\u0627\u0631\u062a\u0642\u0627\u0621 \u0628\u0627\u0644\u0639\u0646\u0635\u0631 \u0627\u0644\u0628\u0634\u0631\u0649 <\/strong><\/li>\n<\/ol>\n

                    \u0645\u0646 \u0627\u0644\u0648\u0627\u0636\u062d \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0639\u0646\u0635\u0631 \u064a\u0639\u062f \u0645\u0646 \u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u0645\u0647\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0628\u0646\u0643\u064a \u062d\u064a\u062b \u0623\u0646\u0647 \u0628\u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u062c\u0647\u0648\u062f \u0627\u0644\u062a\u064a \u0628\u0630\u0644\u062a\u0647\u0627 \u0625\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0641\u064a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0636\u064a\u0629 \u0648\u0630\u0644\u0643 \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629\u060c \u0644\u0643\u0646 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0644\u0646 \u062a\u0638\u0647\u0631 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0643\u0627\u0641\u064a \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u062c\u0647\u0648\u062f \u0627\u0644\u0645\u0628\u0630\u0648\u0644\u0629 \u0625\u0644\u0627 \u0625\u0630\u0627 \u062a\u0645 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0648\u062a\u0631\u0642\u064a\u0629 \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u0645\u062c\u0627\u0631\u0627\u0629 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062a\u0627\u0628\u0639\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 \u0642\u0628\u0644\u0647\u0627 \u0648\u0630\u0644\u0643 \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0648\u0630\u0644\u0643 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0641\u0636\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0644\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641.<\/p>\n

                    \u0648\u064a\u062c\u0628 \u062a\u0628\u0646\u064a \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0648\u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u062d\u0633\u064a\u0646 \u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0628\u0627\u0644\u0628\u0646\u0643 \u0633\u0639\u064a\u0627\u064b \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0646\u0645\u0648\u0630\u062c ” \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u0641\u0639\u0627\u0644” \u0646\u0630\u0643\u0640\u0640\u0631 \u0645\u0646\u0640\u0640\u0647\u0627 \u0627\u0644\u0622\u062a\u064a :<\/p>\n

                    * \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0628\u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0627\u0646\u062a\u0631\u0646\u062a \u0648 \u0627\u0644\u0633\u0648\u064a\u0641\u062a SWIFT \u0648\u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0639\u0635\u0631 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0648\u0630\u0644\u0643 \u0628\u0648\u0627\u0633\u0637\u0629 \u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0631\u0627\u0643\u0632 \u0627\u0644\u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n

                    * \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u0631\u0633\u0627\u0644 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0631\u0641 \u0644\u0623\u062e\u0630 \u0628\u0639\u062b\u0627\u062a \u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u0628\u0644\u0627\u062f \u0627\u0644\u062a\u0642\u062f\u0645\u0629 \u0648\u0630\u0644\u0643 \u0644\u0643\u064a \u064a\u0633\u062a\u0637\u064a\u0639\u0648\u0627 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0623\u062f\u0648\u0627\u062a\u0647\u0627 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062e\u062f\u0645 \u0630\u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0627\u0644\u0645\u064a\u0627\u064b \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u064a\u0639\u0627\u0628\u0647\u0627 \u0648\u062a\u0637\u0628\u064a\u0642\u0627 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0623\u0645\u062b\u0644.<\/p>\n

                    * \u0645\u062d\u0627\u0648\u0644\u0629 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0648\u0627\u0644\u0633\u0639\u064a \u0644\u0627\u0643\u062a\u0633\u0627\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062c\u062f\u062f\u060c \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0645\u0639 \u0627\u0644\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0648\u0627\u0644\u062a\u064a \u062a\u062e\u0635 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u062a\u062c\u062f\u064a\u062f \u0648\u0645\u062a\u0627\u0628\u0639\u0629 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u0642\u064a\u0648\u062f \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0648\u0627\u0644\u0631\u0648\u062a\u064a\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u064a\u0642 \u062a\u0637\u0648\u0631 \u0639\u0645\u0644 \u0627\u0644\u0628\u0646\u0643.<\/p>\n

                    * \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u062a\u062f\u0631\u064a\u0628\u064a\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u062d\u0627\u062c\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0648\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u0647\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0645\u062b\u0644 \u062d\u0633\u0646 \u0627\u0644\u062a\u0635\u0631\u0641 \u0648\u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0627\u0644\u0633\u0644\u064a\u0645 \u0648\u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0648\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0637\u0628\u064a\u0642 \u0645\u0628\u062f\u0623 \u0642\u064a\u0627\u062f\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0628\u0635\u0648\u0631\u0629 \u0641\u0639\u0627\u0644\u0629 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u0639\u0637\u0627\u0621 \u0627\u0644\u0641\u0631\u0635\u0629 \u0627\u0644\u0645\u0644\u0627\u0626\u0645\u0629 \u0644\u0644\u0639\u0646\u0627\u0635\u0631 \u0644\u062a\u062a\u0648\u0644\u0649 \u0627\u0644\u0645\u0646\u0627\u0635\u0628 \u0627\u0644\u0642\u064a\u0627\u062f\u064a\u0629\u060c \u0648\u0627\u0644\u0633\u0639\u064a \u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0627\u0644\u0634\u0628\u0627\u0628 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0643\u0641\u0627\u0621\u0627\u062a \u0648\u0627\u0644\u0630\u064a\u0646 \u062a\u062a\u0648\u0641\u0631 \u0641\u064a\u0647\u0645 \u0635\u0641\u0627\u062a \u0634\u062e\u0635\u064a\u0629 \u062a\u0624\u0647\u0644\u0647\u0645 \u0644\u0634\u063a\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0627\u0635\u0628 \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062f\u0639\u0645\u0647\u0645 \u0648\u062a\u0648\u0641\u064a\u0631 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0645\u0644\u0627\u0626\u0645\u0629 \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0641\u064a \u0627\u0644\u062f\u0627\u062e\u0644 \u0623\u0648 \u0627\u0644\u062e\u0627\u0631\u062c \u0636\u0645\u0646 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0648\u0645\u0631\u0627\u0639\u0627\u0629 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0639\u0645\u0644\u064a \u0636\u0645\u0646 \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u062e\u0627\u0635\u0629 \u062a\u0644\u0643 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0645 \u064a\u0639\u0645\u0644\u0648\u0627 \u0628\u0647\u0627 \u0633\u0627\u0628\u0642\u0627\u064b \u0644\u0643\u064a \u062a\u062a\u0648\u0641\u0631 \u0644\u062f\u064a\u0647\u0645 \u0627\u0644\u0642\u062f\u0631\u0629 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u062a\u0627\u0628\u0639\u0629 \u0648 \u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0648\u0623\u0646 \u064a\u062a\u062e\u0630\u0648\u0627 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0635\u062d\u064a\u062d\u0629 \u0644\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0634\u0627\u0643\u0644 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0645\u0635\u0631\u0641 .<\/p>\n

                    * \u0627\u0644\u0633\u0639\u064a \u0627\u0644\u062f\u0627\u0626\u0645 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0636\u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062c\u0639\u0644\u0647\u0645 \u0645\u0648\u0627\u0643\u0628\u064a\u0646 \u0644\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0648\u0639\u0627\u0644\u0645 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u0633\u064a\u0628 \u0627\u0644\u0645\u062a\u0637\u0648\u0631\u0629 \u0648\u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0628\u0634\u0643\u0644 \u0647\u0627\u0645 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646\u0647.<\/p>\n

                    * \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0638\u0627\u0645 \u0627\u0644\u062d\u0648\u0627\u0641\u0632 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0623\u0648 \u062d\u062a\u0649 \u0627\u0644\u0639\u064a\u0646\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0631\u0641\u064a\u0639\u0627\u062a \u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 \u0648\u0630\u0644\u0643 \u062a\u0634\u062c\u064a\u0639\u0627\u064b \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0627\u0644\u0645\u062c\u062f\u064a\u0646 \u0648\u0627\u0644\u0635\u0628\u0648\u0631\u064a\u0646 \u0648\u0644\u0643\u064a \u064a\u0642\u062f\u0645\u0648\u0646 \u0623\u0641\u0636\u0644 \u0645\u0627 \u0644\u062f\u064a\u0647\u0645 .<\/p>\n

                    * \u0648\u0636\u0639 \u062e\u0637\u0637 \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0623\u062f\u0627\u0621 \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0645\u0631 \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0628\u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0637 \u0648\u0623\u062e\u0630 \u0623\u0631\u0627\u0621\u0647\u0645 \u0648\u0627\u0642\u062a\u0631\u0627\u062d\u0627\u062a\u0647\u0645 \u0644\u0644\u062a\u0637\u0648\u064a\u0631 \u0628\u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0628\u0623\u0641\u0636\u0644 \u0634\u0643\u0644 \u0645\u0645\u0643\u0646 \u0648\u062e\u0627\u0635\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0641\u0627\u0639\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0645\u0639 \u062e\u0637\u0629 \u0627\u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u064a \u0634\u0627\u0631\u0643\u0648\u0627 \u0628\u0648\u0636\u0639\u0647\u0627.<\/p>\n

                      \n
                    1. \u0627\u0644\u0633\u0639\u064a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0645\u0635\u0631\u0641\u064a <\/strong><\/li>\n<\/ol>\n

                      \u0625\u0646 \u0627\u0632\u062f\u064a\u0627\u062f \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0627\u0644\u0634\u0631\u0633\u0629 \u0645\u0627 \u0628\u064a\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0645\u062a\u0646\u0627\u0641\u0633\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0630\u0644\u0643 \u0644\u0627\u062c\u062a\u0630\u0627\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0637\u0631\u0641\u0647\u0627 \u0628\u0623\u0643\u0628\u0631 \u0642\u062f\u0631 \u0645\u0645\u0643\u0646 \u062c\u0639\u0644 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0627\u0644\u0623\u062e\u0630 \u0628\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0644\u0623\u0647\u0645\u064a\u062a\u0647 \u0627\u0644\u0642\u0635\u0648\u0649 \u0641\u064a \u062c\u0630\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0644\u0645\u0635\u0631\u0641 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0645\u0648\u062f\u0639\u0629 \u0636\u0645\u0646\u0647 \u0645\u0646 \u0642\u0628\u0644\u0647\u0645 \u060c \u0648\u0645\u0646 \u0623\u0647\u0645 \u0628\u0646\u0648\u062f \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u062d\u062f\u064a\u062b \u0648\u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0627 \u064a\u0644\u064a :<\/p>\n

                        \n
                      • \n
                          \n
                        • \n
                            \n
                          • \n
                              \n
                            1. \u0623\u0646 \u064a\u062a\u0645 \u0627\u0644\u0633\u0639\u064a \u0646\u062d\u0648 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0648\u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0648 \u0645\u0627 \u064a\u0633\u0645\u0649 \u0628\u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u0631\u062a\u0642\u0628.<\/li>\n
                            2. \u0627\u0644\u0633\u0639\u064a \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062c\u064a\u062f\u0629 \u0648\u0627\u0643\u062a\u0634\u0627\u0641\u0647\u0627 \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0648\u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062c\u064a\u062f\u064a\u0646 \u0644\u0644\u0645\u0635\u0631\u0641.<\/li>\n
                            3. \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0635\u0645\u064a\u0645 \u0645\u0632\u064a\u062c \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0646 \u064a\u062a\u0645 \u0625\u0634\u0628\u0627\u0639 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0631\u063a\u0628\u0627\u062a\u0647\u0645 \u0628\u0634\u0643\u0644 \u0645\u062a\u0648\u0627\u0635\u0644 \u064a\u0636\u0645\u0646 \u0631\u0636\u0627 \u0627\u0644\u0639\u0645\u064a\u0644\u060c \u0648\u064a\u062a\u0645 \u0630\u0644\u0643 \u0628\u0639\u062f \u0639\u0645\u0644 \u062f\u0631\u0627\u0633\u0629 \u0634\u0627\u0645\u0644\u0629 \u0644\u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u064a\u0644 .<\/li>\n
                            4. \u0636\u0631\u0648\u0631\u0629 \u0623\u0646 \u064a\u0642\u0648\u0645 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0628\u0627\u0644\u062a\u0639\u0627\u064a\u0634 \u0627\u0644\u0643\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0644\u0644\u0628\u0646\u0643\u060c \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0627\u0647\u062c \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u062a\u062d\u0644\u064a\u0644 \u0642\u062f\u0631\u0627\u062a \u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0623\u0646 \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0648\u062a\u0635\u0645\u064a\u0645 \u0645\u0632\u064a\u062c \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0630\u064a \u064a\u0646\u0627\u0633\u0628 \u0647\u0630\u0647 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u060c \u0648\u0644\u0643\u0646 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0648\u0627\u062a \u0645\u0628\u062a\u0643\u0631\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u063a\u064a\u0631 \u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u0628\u0637\u0631\u064a\u0642\u0629 \u0646\u0648\u0639\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 .<\/li>\n
                            5. \u0627\u0644\u0633\u0639\u064a \u0644\u062a\u0643\u0627\u0645\u0644 \u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0645\u0635\u0631\u0641 \u0628\u0634\u0643\u0644 \u062a\u0627\u0645 \u0648\u0644\u0630\u0644\u0643 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0641\u0636\u0644 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0631\u062c\u0648\u0629\u060c \u062d\u064a\u062b \u0623\u0646 \u0623\u064a \u062a\u0639\u0627\u0631\u0636 \u0628\u064a\u0646 \u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0645\u0635\u0631\u0641 \u0642\u062f \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0631\u0627\u062c\u0639 \u0641\u064a \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0623\u062f\u0627\u0621 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u062a\u0631\u0627\u062c\u0639 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0631\u063a\u0648\u0628 \u0628\u0647\u0627 \u0628\u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629.<\/li>\n
                            6. \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0628\u0646\u0643\u064a \u0627\u0644\u062d\u062f\u064a\u062b \u0623\u062f\u0627\u0629 \u062a\u062d\u0644\u064a\u0644 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0641\u0647\u0645 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0628\u0646\u0643\u064a \u0648\u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0628\u0627\u0644\u0628\u0646\u0643 \u0641\u064a \u0631\u0633\u0645 \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0645\u062a\u0627\u0628\u0639\u062a\u0647\u0627 \u0644\u0644\u0639\u0645\u0644 \u0627\u0644\u0628\u0646\u0643\u064a .<\/li>\n
                            7. \u0627\u0644\u0639\u0645\u0644 \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0645\u0631 \u0639\u0644\u0649 \u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0633\u0648\u0642 \u0648\u0641\u062d\u0635\u0647 \u0648\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u0645\u0631\u063a\u0648\u0628\u0629 \u0636\u0645\u0646\u0647 .<\/li>\n
                            8. \u0628\u064a\u0627\u0646 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u062a\u063a\u0630\u064a\u0629 \u0627\u0644\u0639\u0643\u0633\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0645\u0646 \u0627\u0644\u0633\u0648\u0642 \u0648\u0645\u0631\u0627\u0642\u0628\u062a\u0647\u0627 \u0648\u0645\u062a\u0627\u0628\u0639\u062a\u0647\u0627 \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646\u0647\u0627 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0627\u0646\u0637\u0628\u0627\u0639\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0635\u0631\u0641 \u0648\u0631\u0636\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0648\u0630\u0644\u0643 \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0648\u062c\u0647 \u0627\u0644\u0633\u0644\u0628\u064a\u0629 \u0644\u062a\u0644\u0627\u0641\u064a\u0647\u0627 \u0648\u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0644\u062a\u0639\u0632\u064a\u0632\u0647\u0627 \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0642\u0635\u0648\u0649 \u0645\u0646\u0647\u0627.<\/li>\n
                            9. \u062a\u062d\u0633\u064a\u0646 \u0628\u064a\u0626\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0644\u0643\u064a \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u062d\u0627\u062c\u0627\u062a \u0648\u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0644\u0645\u0635\u0631\u0641 \u0648\u0623\u0646 \u064a\u062a\u0645 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639\u0647\u0645 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0628\u0634\u0643\u0644 \u0644\u0627\u0626\u0642 \u0648\u0645\u062d\u062a\u0631\u0645 \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0631\u063a\u0628\u0648\u0646 \u0628\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0623\u0645\u062b\u0644 \u0648\u0627\u0644\u0633\u0631\u0639\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629.<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                                \n
                              1. \u0627\u0644\u0633\u0639\u064a \u0644\u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 : <\/strong><\/li>\n<\/ol>\n

                                \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0623\u0646 \u062a\u0648\u0627\u0643\u0628 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0635\u0639\u064a\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0648\u0627\u0644\u0645\u062d\u0644\u064a \u0648\u0623\u0646 \u062a\u0631\u0627\u0639\u064a \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0648\u0627\u062c\u0628 \u0627\u062a\u0628\u0627\u0639\u0647\u0627 \u0648\u0630\u0644\u0643 \u0644\u0636\u0645\u0627\u0646 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0648\u0627\u0644\u0633\u0639\u064a \u0644\u062a\u0646\u0648\u064a\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 \u0642\u0628\u0644\u0647\u0627 \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0648\u062a\u0646\u0645\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629\u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0648\u0627\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u062a\u062a\u0628\u0639\u0647\u0627 \u0627\u0644\u0622\u062a\u064a:<\/p>\n

                                \u0623 \u0640 \u062f\u0639\u0645 \u0627\u0644\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0631\u0623\u0633\u0645\u0627\u0644\u064a\u0629.<\/p>\n

                                \u0628 \u0640 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0627\u0644\u0628\u0646\u0648\u0643<\/p>\n

                                \u062c\u0640 \u0640 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631Risk Management<\/p>\n

                                \u062f \u0640 \u0648\u0636\u0639 \u0622\u0644\u064a\u0629 \u0644\u0644\u0625\u0646\u0630\u0627\u0631 \u0627\u0644\u0645\u0628\u0643\u0631 \u0628\u0627\u0644\u0628\u0646\u0648\u0643<\/p>\n

                                \u0647\u0640 \u0640 \u062a\u062d\u062f\u064a\u062b \u0646\u0638\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0648\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629<\/p>\n

                                \u062e\u0627\u0645\u0633\u0627: \u0623\u0628\u0639\u0627\u062f \u0627\u0644\u062c\u0648\u062f\u0629 \u0641\u064a \u0623\u0633\u0644\u0648\u0628 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629:<\/strong><\/p>\n

                                \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u062f\u062f\u0629 \u060c \u0643\u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0633\u0648\u0627\u0621 \u0628\u0627\u0644\u0648\u0642\u062a \u0623\u0648 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0623\u0648 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u060c \u062d\u064a\u062b \u062a\u0639\u062a\u0628\u0631 \u0645\u0646 \u0627\u0644\u0627\u0633\u0644\u062d\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0648 \u0627\u0644\u0641\u0639\u0627\u0644\u0629 \u062a\u0644\u0643 \u0647\u064a \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0643\u0645\u0627 \u062a\u0639\u062f \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0641\u0631\u062f \u0628\u0647\u0627 \u0639\u0646 \u0645\u0646\u0627\u0641\u0633\u064a\u0647\u0627 \u0648\u0630\u0644\u0643 \u0644\u0627\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0645\u062e\u062a\u0644\u0641 \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0648 \u0645\u0633\u062a\u0648\u064a\u0627\u062a\u0647\u0645 \u064a\u0641\u0636\u0644\u0648\u0646 \u062a\u0644\u0642\u064a \u062e\u062f\u0645\u0627\u062a\u0647\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0628\u0648\u062c\u0647 \u062d\u0633\u0646 \u0628\u0634\u0648\u0634 \u060c \u0648 \u0645\u0639\u0627\u0645\u0644\u0629 \u0644\u0637\u064a\u0641\u0629 \u0648 \u0645\u0645\u064a\u0632\u0629 \u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0642\u0628\u0627\u0644 \u0627\u0644\u0644\u0627\u0626\u0642 \u0628\u0647\u0645 .<\/p>\n

                                \u0648 \u0646\u0631\u0649 \u0647\u0646\u0627 \u0623\u0646 \u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0628\u0627\u0644\u0627\u062f\u0627\u0621 \u0648 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647 \u062a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0639\u062f\u0629 \u0645\u0642\u0648\u0645\u0627\u062a \u060c \u0646\u0630\u0643\u0631 \u0645\u0646\u0647\u0627 :<\/p>\n

                                  \n
                                • \u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0642\u0627\u0639\u062f\u0629 \u0648 \u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u0645 \u0639\u0644\u064a\u0647 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u062d\u0627\u062c\u0627\u062a \u0648 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0632\u0628\u0627\u0626\u0646 .<\/li>\n
                                • \u0648\u0636\u0639 \u0627\u0644\u062c\u0648\u062f\u0629 \u0645\u0646 \u0627\u0644\u0627\u0648\u0644\u0648\u064a\u0627\u062a \u0627\u0644\u0639\u0644\u064a\u0627 \u0644\u0625\u062f\u0627\u0631\u0629 \u0623\u064a \u0645\u0635\u0631\u0641 .<\/li>\n
                                • \u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0648\u062a\u062d\u0641\u064a\u0632\u0647\u0645 \u0627\u0644\u062f\u0627\u0626\u0645 \u0648 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u062c\u0648\u062f\u0629 \u0628\u0627\u0644\u0627\u062f\u0627\u0621 \u0648 \u0627\u0644\u0627\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0645\u062a\u0628\u0639\u0629 \u0644\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u060c \u0627\u0644\u0630\u064a \u064a\u0636\u0641\u064a \u0639\u0644\u064a\u0647\u0627 \u0623\u062f\u0627\u0621 \u0645\u062a\u0641\u0631\u062f \u0648 \u0631\u0627\u0642\u064a \u060c \u0628\u062d\u064a\u062b \u064a\u0631\u062a\u0642\u0649 \u0628\u0647 \u0625\u0644\u0649 \u0645\u0641\u0627\u0647\u064a\u0645 \u062c\u062f\u064a\u062f\u0629 \u0648\u0644\u064a\u062f\u0629 \u0627\u0644\u0639\u0635\u0631 \u0627\u0644\u0631\u0627\u0647\u0646 \u062a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0623\u062f\u0628\u064a\u0627\u062a \u0648 \u0633\u0644\u0648\u0643\u064a\u0627\u062a \u0627\u0644\u0645\u0647\u0646\u0629(\u0627\u0644\u0633\u0644\u0645\u064a\u060c 2002).<\/li>\n<\/ul>\n

                                  \u0648 \u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0623\u0646 \u0644\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0634\u0642\u064a\u0646 \u0623\u0633\u0627\u0633\u064a\u064a\u0646 \u060c \u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0645\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u064a\u0646 \u0648 \u0642\u062f\u0631\u0629 \u0627\u0633\u062a\u0642\u0637\u0627\u0628 \u0639\u0645\u0644\u0627\u0621 \u062c\u062f\u062f \u0628\u0637\u0631\u0642 \u0641\u0639\u0627\u0644\u0629 \u0648 \u0645\u062c\u062f\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0633\u0627\u0644\u064a\u0628 \u0639\u0644\u0645\u064a\u0629 \u062d\u062f\u064a\u062b\u0629 \u0643\u062c\u0648\u062f\u0629 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u060c \u062d\u064a\u062b \u0644\u0627 \u0628\u062f \u0645\u0646 \u062a\u0633\u0644\u064a\u0637 \u0627\u0644\u0636\u0648\u0621 \u062d\u0648\u0644 \u0623\u0646 \u0646\u062c\u0627\u062d \u0623\u064a \u0634\u0642 \u0645\u0631\u062a\u0628\u0637 \u0627\u0631\u062a\u0628\u0627\u0637 \u0648\u062b\u064a\u0642 \u0628\u062a\u062d\u0642\u064a\u0642 \u0627\u0648 \u0646\u062c\u0627\u062d \u0627\u0644\u0634\u0642 \u0627\u0644\u062b\u0627\u0646\u064a \u060c\u062d\u064a\u062b \u0623\u0646 \u0627\u0644\u0646\u062c\u0627\u062d \u0641\u064a \u0643\u0644\u0627 \u0627\u0644\u0634\u0642\u064a\u0646 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0643\u0633\u0628 \u0631\u0636\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648 \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u0648\u0627\u0642 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0642\u062f\u064a\u0645 \u0645\u0646\u0641\u0639\u0629 \u0623\u0639\u0644\u0649 \u0648 \u0628\u062c\u0648\u062f\u0629 \u0639\u0627\u0644\u064a\u0629 \u0644\u0644\u0639\u0645\u064a\u0644 \u0645\u0645\u0627 \u064a\u0633\u0647\u0644 \u0643\u0633\u0628 \u0648\u0644\u0627\u0621 \u0627\u0644\u0639\u0645\u064a\u0644 .\u060c \u0648\u0644\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong> \u0645\u0639\u0627\u064a\u064a\u0631 \u0623\u0647\u0645\u0647\u0627:<\/strong><\/p>\n

                                    \n
                                  1. \u0645\u062f\u0649 \u062a\u0628\u0646\u064a \u0645\u0641\u0647\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629 \u0648\u0623\u0633\u0644\u0648\u0628\u0647\u0627.<\/li>\n
                                  2. \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0648 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0647<\/li>\n
                                  3. \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0628\u062d\u0648\u062b \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629.<\/li>\n
                                  4. \u0627\u0633\u062a\u0644\u0647\u0627\u0645 \u062d\u0627\u062c\u0627\u062a \u0648\u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0632\u0628\u0627\u0626\u0646\u060c \u0623\u064a \u0648\u062c\u0648\u062f \u062a\u0648\u062c\u0647 \u062a\u0633\u0648\u064a\u0642\u064a \u0648\u0627\u0644\u0633\u0639\u064a \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0644\u062a\u0644\u0628\u064a\u0629 \u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0632\u0628\u0627\u0626\u0646 \u0648\u0627\u0644\u062a\u0643\u064a\u0641 \u0645\u0639 \u0645\u062a\u063a\u064a\u0631\u0627\u062a\u0647\u0627.<\/li>\n
                                  5. \u0645\u062f\u0649 \u0632\u0631\u0639 \u0648\u062a\u0646\u0645\u064a\u0629 \u0631\u0648\u062d \u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0648\u0627\u062d\u062f \u0639\u0644\u0649 \u0645\u062e\u062a\u0644\u0641 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0628\u0646\u0643.<\/li>\n
                                  6. \u0645\u062f\u0649 \u062a\u0648\u0641\u0631 \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0624\u0647\u0644\u0629.<\/li>\n
                                  7. \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0641\u0639\u0627\u0644 \u0644\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 .<\/li>\n
                                  8. \u0627\u0644\u062d\u0635\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0644\u0644\u0628\u0646\u0643.<\/li>\n
                                  9. \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0628\u064a\u0626\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629 (\u0645\u0643\u0627\u0648\u064a\u060c 2001).<\/li>\n<\/ol>\n

                                    \u0633\u0627\u062f\u0633\u0627: \u0645\u0639\u0632\u0632\u0627\u062a \u0627\u0644\u062c\u0648\u062f\u0629 \u0641\u064a \u0623\u0633\u0644\u0648\u0628 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629:<\/strong><\/p>\n

                                    \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u0647\u062f\u0641 \u0627\u0644\u0627\u0633\u0627\u0633\u064a \u0627\u0644\u0630\u064a \u064a\u0642\u0648\u0645 \u0639\u0644\u064a\u0647 \u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0628\u064a\u0646 \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0647\u0648 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u060c \u0623\u064a \u0645\u0646 \u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0623\u0643\u0628\u0631 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u064a\u0646 \u0628\u0645\u062e\u062a\u0644\u0641 \u0623\u0646\u0648\u0627\u0639\u0647\u0645 \u0633\u0648\u0627\u0621 \u0623\u0643\u0627\u0646\u0648\u0627 \u0645\u062f\u062e\u0631\u064a\u0646 \u0623\u0648 \u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u060c \u064a\u0639\u062a\u0628\u0631 \u0645\u0635\u0631\u0641 \u0645\u062a\u0642\u062f\u0645 \u0648 \u0645\u0646\u0627\u0641\u0633 \u0642\u0648\u064a \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0627\u062e\u0631\u0649 \u060c \u0648 \u0644\u0643\u064a \u064a\u062a\u0645 \u062a\u062d\u0642\u064a\u0642 \u0647\u0630\u0647 \u0627\u0644\u063a\u0627\u064a\u0629 \u0644\u0627\u0628\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0623\u0646 \u062a\u0633\u062a\u062e\u062f\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0627\u0633\u0627\u0644\u064a\u0628 \u0648 \u0627\u0644\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0639\u0632\u064a\u0632 \u0648 \u062a\u0642\u0648\u064a\u0629 \u062c\u0648\u062f\u0629 \u0627\u0644\u0627\u062f\u0627\u0621 \u0645\u0646 \u062d\u064a\u062b \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u060c \u0646\u0630\u0643\u0631 \u0645\u0646\u0647\u0627 :<\/p>\n

                                      \n
                                    • \n
                                        \n
                                      • \n
                                          \n
                                        • \n
                                            \n
                                          1. \u0628\u0646\u0627\u0621 \u062c\u0633\u0648\u0631 \u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621:<\/strong><\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

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                                            2.\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0636\u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629:<\/strong><\/p>\n

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                                            3.\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0628\u0623\u062f\u0627\u0621 \u0645\u062a\u0642\u062f\u0645 :<\/strong><\/p>\n

                                            \u064a\u0644\u0639\u0628 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u062f\u0648\u0631\u0627\u064b \u0647\u0627\u0645\u0627\u064b \u0648\u0623\u0633\u0627\u0633\u064a\u0627\u064b \u0641\u064a \u0625\u062b\u0627\u0631\u0629 \u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062c\u0630\u0628 \u0627\u0646\u062a\u0628\u0627\u0647\u0647\u0645 \u0648\u0645\u064a\u0648\u0644\u0647\u0645\u060c \u0625\u0646 \u0627\u0644\u062a\u0631\u0648\u064a\u062c \u0627\u0644\u0641\u0639\u0627\u0644 \u0644\u0644\u062e\u062f\u0645\u0629 \u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0643\u0627\u0641\u064a \u0628\u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u0628\u0631\u0627\u0632 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u0625\u064a\u062c\u0627\u0628\u064a\u0629 \u0644\u0647\u0627 \u0648\u0628\u0623\u0646\u0647\u0627 \u062a\u0633\u062a\u0637\u064a\u0639 \u0625\u0634\u0628\u0627\u0639 \u0631\u063a\u0628\u0627\u062a \u0648\u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u062a\u0633\u062a\u062e\u062f\u0645 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0625\u0639\u0644\u0627\u0645 \u0627\u0644\u0645\u062a\u0639\u062f\u062f\u0629 \u0644\u0644\u062a\u0639\u0631\u064a\u0641 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u0646\u063a\u0641\u0644 \u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0643\u0628\u064a\u0631 \u0648\u0627\u0644\u0647\u0627\u0645 \u0644\u0644\u0623\u0633\u0644\u0648\u0628 \u0627\u0644\u0630\u064a \u062a\u0642\u062f\u0645 \u0628\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u060c \u062d\u064a\u062b \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0627\u0633\u0644\u0648\u0628 \u0641\u064a \u062d\u0627\u0644 \u0643\u0648\u0646\u0647 \u062c\u064a\u062f \u0648 \u0645\u062b\u0627\u0644\u064a \u0641\u064a \u062a\u0642\u062f\u064a\u0645\u0647 \u0644\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0627\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0646\u0639\u0643\u0633 \u0628\u0634\u0643\u0644 \u0625\u064a\u062c\u0627\u0628\u064a \u0641\u064a \u062a\u0631\u0648\u064a\u062c \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0648 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u064a\u0647\u0627 \u0648 \u0628\u0627\u0644\u062a\u0627\u0644\u064a \u062a\u062d\u0642\u064a\u0642 \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0623\u0643\u0628\u0631 .<\/p>\n

                                            \u0643\u0645\u0627 \u0623\u0646 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a \u0648 \u062a\u0631\u063a\u0628 \u0628\u0641\u062a\u062d \u0641\u0631\u0648\u0639 \u062c\u062f\u064a\u062f\u0629 \u0644\u0647\u0627 \u0641\u064a \u0639\u062f\u0629 \u0645\u0646\u0627\u0637\u0642 \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u0629 \u060c\u0648 \u062a\u0633\u0639\u0649 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0630\u0644\u0643 \u0644\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0627\u0645\u062b\u0644 \u0644\u062e\u062f\u0645\u0627\u062a\u0647\u0627 \u0648 \u0627\u0644\u062a\u0631\u0648\u064a\u062c \u0644\u0647\u0627 \u0628\u0647\u062f\u0641 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062d\u0635\u0629 \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0627\u0644\u0627\u0643\u0628\u0631 \u0648 \u0627\u0644\u0633\u0639\u064a \u0644\u062a\u0648\u0633\u064a\u0639\u0647\u0627 .\u0628\u0633\u0628\u0628 \u0627\u0644\u0642\u0631\u0628 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062a\u0643\u062a\u0633\u0628 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0647\u0627\u0645\u0629 \u0648 \u0643\u0628\u064a\u0631\u0629 \u0628\u0627\u0644\u0627\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u0635\u0631\u0641\u0627\u062a \u0627\u0644\u0627\u0644\u064a\u0629 \u0628\u0634\u0643\u0644 \u0643\u0627\u0641\u064a \u0628\u0645\u0627 \u064a\u062e\u062f\u0645 \u062d\u0627\u062c\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0635\u064a\u0627\u0646\u062a\u0647\u0627 \u0648 \u062a\u0637\u0648\u064a\u0631\u0647\u0627 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0633\u0639\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0643\u064a \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a\u0647\u0627 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648 \u0628\u0627\u0644\u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0648 \u0627\u0644\u0645\u0631\u063a\u0648\u0628 \u0628\u0647\u0627 \u060c \u0648 \u0644\u0627 \u062a\u062e\u0641\u0649 \u0623\u0647\u0645\u064a\u0629 \u0627\u0633\u0644\u0648\u0628 \u0627\u0644\u0633\u0639\u064a \u0646\u062d\u0648 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u0631\u062a\u0642\u0628 \u0627\u0644\u0630\u064a \u062a\u0633\u0639\u0649 \u0644\u062a\u0637\u0628\u064a\u0642\u0647 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u062d\u062f\u064a\u062b\u0627\u064b \u0641\u064a \u062c\u0630\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0627\u0646\u0633\u0628 \u0648 \u0628\u0627\u0644\u062a\u0627\u0644\u064a \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 .<\/p>\n

                                            \u0648 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062c\u064a\u062f\u0629 \u062d\u062a\u0649 \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644\u0647\u0627 \u0628\u0639\u062f \u0623\u0646 \u062a\u062f\u0631\u0633\u0647\u0627 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0643\u0627\u0641\u064a \u060c \u0648\u0627\u0646 \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0632\u064a\u062c \u0627\u0644\u0627\u0645\u062b\u0644 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0636\u0645\u0646 \u0627\u0644\u0627\u0634\u0628\u0627\u0639 \u0627\u0644\u0627\u0641\u0636\u0644 \u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0648 \u0631\u063a\u0628\u0627\u062a \u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641 \u0628\u0634\u0643\u0644 \u0645\u062a\u0648\u0627\u0635\u0644 \u060c \u0648 \u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646 \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u062c\u064a\u062f \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648 \u062f\u0648\u0631\u0647 \u0627\u0644\u0641\u0639\u0627\u0644 \u0641\u064a \u0627\u0628\u0631\u0627\u0632 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 . (\u0632\u064a\u062f\u0627\u0646\u060c 2006)<\/p>\n

                                            \u0627\u0644\u0645\u0628\u062d\u062b \u0627\u0644\u062b\u0627\u0646\u064a<\/strong><\/p>\n

                                            \u062f\u0631\u0627\u0633\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u0644\u062a\u0642\u064a\u064a\u0645 \u062c\u0648\u062f\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong><\/p>\n

                                            \u062a\u0645 \u062a\u0635\u0645\u064a\u0645 \u0627\u0633\u062a\u0628\u0627\u0646\u0629 \u0648\u0632\u0639\u062a \u0628\u0634\u0643\u0644 \u0639\u0634\u0648\u0627\u0626\u064a \u0639\u0644\u0649 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u060c \u062d\u064a\u062b \u0636\u0645\u062a \u0627\u0644\u0627\u0633\u062a\u0628\u0627\u0646\u0629 \u0645\u062d\u0648\u0631\u064a\u064a\u0646 \u0623\u0633\u0627\u0633\u064a\u064a\u0646 :<\/p>\n

                                            \u0627\u0644\u0623\u0648\u0644 : \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0634\u062e\u0635\u064a\u0629 \u0639\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0643\u0627\u0644\u0639\u0645\u0631 \u0648 \u0627\u0644\u062c\u0646\u0633 .<\/strong><\/p>\n

                                            \u0627\u0644\u062b\u0627\u0646\u064a : \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062c\u0648\u062f\u0629 \u062d\u064a\u062b \u0636\u0645\u062a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 .<\/strong><\/p>\n

                                            \u064a\u0648\u0636\u062d \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0642\u064a\u0627\u0633 \u0644\u064a\u0643\u0631\u062a \u0643\u0623\u062f\u0627\u0629 \u0644\u0642\u064a\u0627\u0633 \u0623\u062c\u0648\u0628\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u064a\u0646 \u0628\u062a\u0631\u0645\u064a\u0632 \u0627\u0644\u0625\u062c\u0627\u0628\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u062a\u0627\u0644\u064a<\/p>\n\n\n\n\n
                                            \u0645\u0648\u0627\u0641\u0642 \u0628\u0634\u062f\u0629<\/td>\n\u0645\u0648\u0627\u0641\u0642<\/td>\n\u0645\u062d\u0627\u064a\u062f<\/td>\n\u063a\u064a\u0631 \u0645\u0648\u0627\u0641\u0642<\/td>\n\u063a\u064a\u0631 \u0645\u0648\u0627\u0641\u0642 \u0628\u0634\u062f\u0629<\/td>\n<\/tr>\n
                                            5<\/td>\n4<\/td>\n3<\/td>\n2<\/td>\n1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                                            \u0648 \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0639\u0627\u0645\u0644 \u062b\u0628\u0627\u062a \u0627\u0644\u062a\u0628\u0627\u064a\u0646 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 ( \u0623\u062f\u0627\u0629 \u0643\u0631\u0648\u0646\u0628\u0627\u062e \u0623\u0644\u0641\u0627 ) :<\/strong><\/p>\n

                                            \u062d\u064a\u062b \u064a\u062a\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0627\u0629 \u0627\u0644\u0641\u0627 \u0643\u0631\u0648\u0646\u0628\u0627\u062e \u0644\u062f\u0644\u0627\u0644\u0629 \u0639\u0644\u0649 \u0648\u062c\u0648\u062f \u0627\u062a\u0633\u0627\u0642 \u062f\u0627\u062e\u0644\u064a \u0628\u064a\u0646 \u0641\u0642\u0631\u0627\u062a \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0649 \u0627\u0644\u062a\u0648\u0635\u0644 \u0623\u0646 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u062b\u0627\u0628\u062a\u0629 .<\/p>\n\n\n\n\n\n\n\n\n
                                            \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a<\/td>\n\u0642\u064a\u0645 \u0623\u0644\u0641\u0627 \u0643\u0631\u0648\u0646\u0628\u0627\u062e<\/td>\n<\/tr>\n
                                            \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u064a\u0629<\/td>\n.747<\/td>\n<\/tr>\n
                                            \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u064a\u0629<\/td>\n.707<\/td>\n<\/tr>\n
                                            \u0627\u0644\u0623\u0645\u0627\u0646<\/td>\n.753<\/td>\n<\/tr>\n
                                            \u0627\u0644\u062a\u0639\u0627\u0637\u0641<\/td>\n.597<\/td>\n<\/tr>\n
                                            \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629<\/td>\n.809<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n