{"id":22245,"date":"2020-08-04T14:14:38","date_gmt":"2020-08-04T11:14:38","guid":{"rendered":"https:\/\/www.ibtdi.com\/?p=22245"},"modified":"2020-08-04T05:45:33","modified_gmt":"2020-08-04T02:45:33","slug":"loan-risk","status":"publish","type":"post","link":"https:\/\/www.ibtdi.com\/en\/loan-risk\/","title":{"rendered":"\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636.. \u0644\u062d\u0638\u0629 \u0642\u0628\u0644 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631"},"content":{"rendered":"<p><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/miro.medium.com\/max\/735\/0*ZaEYyzJrGsw9hWz0.jpg\" alt=\"Credit risk: unsupervised clients clustering | by Valentina Alto ...\" title=\"\"><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u062a\u062a\u0648\u0642\u0641 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u064a\u062f \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0627\u0631\u064a\u062e\u0647\u0627 \u0627\u0644\u0633\u0627\u0628\u0642\u060c \u0648\u0645\u062f\u0649 \u0646\u062c\u0627\u062d\u0647\u0627 \u0648\u062e\u0644\u0627\u0641\u0647\u060c <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0648\u0627\u0644\u062a\u064a \u0644\u062f\u064a\u0647\u0627 \u0633\u062c\u0644 \u062d\u0627\u0641\u0644 \u0628\u0627\u0644\u0646\u062c\u0627\u062d\u0627\u062a\u060c \u0623\u0646 \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0627\u0644\u0642\u0631\u0636\u060c \u0623\u0645\u0627 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629 \u0641\u064a\u0643\u0648\u0646 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0641\u064a\u0647\u0627 \u0639\u0627\u0644\u064a \u0627\u0644\u062e\u0637\u0648\u0631\u0629.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0641\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0645\u0648\u0644\u0629 \u062a\u0631\u063a\u0628 \u0641\u064a \u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0623\u0645\u0648\u0627\u0644\u0647\u0627\u060c \u0648\u0645\u0646 \u062b\u0645 \u062a\u0643\u0648\u0646 \u0646\u0633\u0628 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0645\u0631\u062a\u0641\u0639\u0629\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0642\u0631\u0648\u0636 \u0646\u0641\u0633\u0647\u0627 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u062a\u0643\u0648\u0646 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0648\u0646\u0631\u0635\u062f \u00a0\u0623\u0628\u0631\u0632 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u062a\u0627\u0644\u064a:<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0642\u0631\u0623 \u0623\u064a\u0636\u064b\u0627:<\/span><a href=\"https:\/\/www.ibtdi.com\/en\/%d9%85%d9%81%d9%87%d9%88%d9%85-%d8%a7%d9%84%d9%82%d8%b1%d9%88%d8%b6-%d9%88%d8%a3%d9%86%d9%88%d8%a7%d8%b9%d9%87%d8%a7\/\">\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0623\u0646\u0648\u0627\u0639\u0647\u0627<\/a><\/p>\n<p>.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-right counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ibtdi.com\/en\/loan-risk\/#%D8%A7%D9%86%D8%B9%D8%AF%D8%A7%D9%85_%D8%A7%D9%84%D9%85%D8%B1%D9%88%D9%86%D8%A9\" >\u0627\u0646\u0639\u062f\u0627\u0645 \u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ibtdi.com\/en\/loan-risk\/#%D8%A7%D9%84%D8%B4%D8%B1%D9%88%D8%B7_%D8%A7%D9%84%D8%B5%D8%A7%D8%B1%D9%85%D8%A9\" >\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0635\u0627\u0631\u0645\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ibtdi.com\/en\/loan-risk\/#%D8%AE%D8%B7%D8%B1_%D8%A7%D9%84%D8%AA%D8%AE%D9%84%D9%81_%D8%B9%D9%86_%D8%A7%D9%84%D8%B3%D8%AF%D8%A7%D8%AF\" >\u062e\u0637\u0631 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ibtdi.com\/en\/loan-risk\/#%D8%AD%D9%82%D9%88%D9%82_%D8%A7%D9%84%D9%85%D9%84%D9%83%D9%8A%D8%A9\" >\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"%D8%A7%D9%86%D8%B9%D8%AF%D8%A7%D9%85_%D8%A7%D9%84%D9%85%D8%B1%D9%88%D9%86%D8%A9\"><\/span><span style=\"color: #0000ff;\"><strong><span style=\"font-size: 28px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0646\u0639\u062f\u0627\u0645 \u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/span><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0625\u0630\u0627 \u0630\u0647\u0628\u062a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u062a\u062c\u0627\u0631\u064a _\u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0623\u062e\u0631\u0649_ \u0641\u0633\u062a\u0643\u0648\u0646 \u0645\u062c\u0628\u0631\u064b\u0627 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0635\u0648\u0631\u0629 \u0648\u0627\u0636\u062d\u0629 \u0644\u0645\u0627 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0633\u062a\u0641\u0639\u0644\u0647 \u0628\u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u0633\u062a\u062d\u0635\u0644 \u0639\u0644\u064a\u0647\u0627\u060c \u0628\u0645\u0639\u0646\u0649 \u0623\u0646\u0643 \u0644\u0646 \u062a\u0643\u0648\u0646 \u062d\u0631\u064b\u0627\u060c \u062a\u0641\u0639\u0644 \u0628\u0627\u0644\u0645\u0627\u0644 \u0645\u0627 \u062a\u0631\u064a\u062f\u060c \u0623\u0648 \u062a\u062f\u064a\u0631 \u0639\u0645\u0644\u0643 \u0628\u0627\u0644\u0634\u0643\u0644 \u0627\u0644\u0630\u064a <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u062a\u0631\u064a\u062f\u0647\u060c \u0628\u0627\u0644\u0637\u0628\u0639 \u0644\u0646 \u064a\u062a\u062f\u062e\u0644 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0641\u064a \u0639\u0645\u0644\u0643\u060c \u0644\u0643\u0646 \u0627\u0634\u062a\u0631\u0627\u0637\u0627\u062a\u0647\u0645 \u0633\u062a\u0641\u0631\u0636 \u0639\u0644\u064a\u0643 \u0627\u0644\u0633\u064a\u0631 \u0641\u064a \u0645\u0633\u0627\u0631\u0627\u062a \u0645\u062e\u062a\u0644\u0641\u0629.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0648\u0633\u062a\u0643\u0648\u0646 \u0645\u0644\u0632\u0645\u064b\u0627 \u0623\u064a\u0636\u064b\u0627 \u0628\u062f\u0641\u0639 \u0645\u0628\u0627\u0644\u063a \u0645\u0639\u064a\u0646\u0629 \u0641\u064a \u0623\u0648\u0642\u0627\u062a \u0645\u0639\u064a\u0646\u0629 \u0644\u0647\u0624\u0644\u0627\u0621 \u0627\u0644\u0645\u0642\u0631\u0636\u064a\u0646\u060c \u0645\u0627 \u0642\u062f \u064a\u0639\u0631\u0636\u0643 \u0644\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u062e\u0627\u0635\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0645\u0634\u0631\u0648\u0639\u0643 \u0644\u0627 \u064a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u062b\u0627\u0628\u062a\u0629.<\/span><\/p>\n<p>.<\/p>\n<p style=\"text-align: center;\">\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"%D8%A7%D9%84%D8%B4%D8%B1%D9%88%D8%B7_%D8%A7%D9%84%D8%B5%D8%A7%D8%B1%D9%85%D8%A9\"><\/span><strong><span style=\"font-size: 28px; font-family: 'comic sans ms', sans-serif; color: #0000ff;\">\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0635\u0627\u0631\u0645\u0629<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0637\u0644\u0628 \u0627\u0644\u0645\u0642\u0631\u0636\u0648\u0646 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0630\u0627\u062a \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0636\u0639\u064a\u0641\u0629 \u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0648\u0627\u0644\u0625\u062b\u0628\u0627\u062a\u0627\u062a \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0644\u0636\u0631\u064a\u0628\u0629\u060c \u0648\u0645\u0643\u0645\u0646 \u0627\u0644\u062e\u0637\u0648\u0631\u0629 \u0647\u0646\u0627 \u0623\u0645\u0631\u0627\u0646\u061b \u0623\u0648\u0644\u064b\u0627: \u0623\u0646\u0643 \u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0648\u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u0647\u0630\u0647 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0637\u0627\u062a\u060c \u0648\u0647\u064a \u0623\u0645\u0648\u0627\u0644<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\"> \u062a\u064f\u062f\u0641\u0639 \u062f\u0648\u0646 \u0623\u0646 \u062a\u064f\u0633\u062a\u0631\u062f.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0648\u0627\u0644\u062b\u0627\u0646\u064a: \u0623\u0646\u0643 \u062a\u0647\u062f\u0631 \u0648\u0642\u062a\u064b\u0627 \u0643\u062b\u064a\u0631\u064b\u0627 \u0641\u064a \u0633\u0628\u064a\u0644 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0642\u0631\u0648\u0636\u061b \u0641\u0627\u0644\u0645\u0645\u0648\u0644\u0648\u0646 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062f\u0627\u0639\u0645\u0629 \u064a\u062a\u0634\u062f\u062f\u0648\u0646 \u0641\u064a \u0625\u062c\u0631\u0627\u0621\u0627\u062a\u0647\u0645 \u0645\u0639 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u062b\u0631\u0629\u061b \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0647\u0645 \u0633\u064a\u062d\u0635\u0644\u0648\u0646 \u0639\u0644\u0649 \u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644 \u0645\u0634\u0641\u0648\u0639\u0629 \u0628\u0628\u0639\u0636 \u0627\u0644\u0631\u0628\u062d.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0642\u0631\u0623 \u0623\u064a\u0636\u064b\u0627:<\/span><a href=\"https:\/\/www.ibtdi.com\/en\/the-rules-for-selecting-banks-for-a-loan\/\">\u0642\u0628\u0644 \u0637\u0644\u0628 \u0627\u0644\u0642\u0631\u0636.. \u0627\u0639\u0631\u0641 \u0642\u0648\u0627\u0639\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0628\u0646\u0648\u0643<\/a><\/p>\n<p>.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.thepositiveeconomist.com\/wp-content\/uploads\/2013\/01\/Banks-Not-lending-890x395_c.jpg\" alt=\"What happens when banks are not lending | &quot;The Positive Economist ...\" width=\"708\" height=\"315\" title=\"\"><\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"%D8%AE%D8%B7%D8%B1_%D8%A7%D9%84%D8%AA%D8%AE%D9%84%D9%81_%D8%B9%D9%86_%D8%A7%D9%84%D8%B3%D8%AF%D8%A7%D8%AF\"><\/span><span style=\"color: #0000ff;\"><strong><span style=\"font-size: 28px; font-family: 'comic sans ms', sans-serif;\">\u062e\u0637\u0631 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f<\/span><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0647\u0630\u0627 \u0647\u0648 \u0623\u062d\u062f \u0623\u0628\u0631\u0632 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0641\u062d\u064a\u0646 \u0644\u0627 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u062a\u064a \u0627\u0642\u062a\u0631\u0636\u062a\u0647\u0627 \u0633\u062a\u0643\u0648\u0646 \u0639\u0631\u0636\u0629 \u0644\u0623\u0645\u0631\u064a\u0646\u061b \u0625\u0645\u0627 \u0623\u0646 \u062a\u062e\u0633\u0631 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0623\u0635\u0648\u0644\u0643\u060c \u0647\u0630\u0627 \u0644\u0648 \u0643\u0627\u0646 \u0627\u0644\u0642\u0631\u0636 \u0645\u0624\u0645\u0646\u064b\u0627\u060c \u0648\u0625\u0645\u0627 \u0623\u0646 \u064a\u0630\u0647\u0628 \u0628\u0643 \u0627\u0644\u0645\u0642\u0631\u0636 \u0625\u0644\u0649 \u0627\u0644\u0645\u062d\u0643\u0645\u0629\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0643\u0644\u0627 \u0627\u0644\u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0646 \u0645\u0624\u0644\u0645\u060c \u0648\u064a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631\u061b \u0641\u0639\u0627\u062f\u0629 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0644\u0647\u0630\u0627 \u0627\u0644\u062a\u062e\u0644\u0641 \u0633\u0644\u0633\u0644\u0629 \u0645\u062a\u0635\u0644\u0629 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0623\u062e\u0631\u0649.<\/span><\/p>\n<p>.<\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"%D8%AD%D9%82%D9%88%D9%82_%D8%A7%D9%84%D9%85%D9%84%D9%83%D9%8A%D8%A9\"><\/span><span style=\"color: #0000ff;\"><strong><span style=\"font-size: 28px; font-family: 'comic sans ms', sans-serif;\">\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629<\/span><\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0639\u0646\u062f\u0645\u0627 \u062a\u0641\u0643\u0631 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u062a\u0630\u0643\u0631 \u0623\u0646\u0643 \u062a\u0641\u0639\u0644 \u0630\u0644\u0643 \u0644\u0635\u0627\u0644\u062d \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0644\u0627 \u062a\u062a\u0642\u062f\u0645 \u062e\u0637\u0648\u0629 \u0625\u0644\u0649 \u0627\u0644\u0623\u0645\u0627\u0645 \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u062a\u0623\u0643\u062f\u064b\u0627 \u0623\u0646 \u0630\u0644\u0643 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0644\u0646 \u064a\u0636\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u061b \u0641\u0623\u062d\u062f \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636 \u0623\u0646\u0647\u0627 \u0642\u062f \u062a\u0630\u0647\u0628 \u0628\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u060c \u0628\u0645\u0639\u0646\u0649 \u0623\u0646\u0647 \u0644\u0646 \u064a\u0643\u0648\u0646 \u0645\u0644\u0643\u0643 \u0641\u064a \u062d\u0627\u0644 \u062a\u0644\u0643\u0623\u062a \u0623\u0648 \u0644\u0645 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0633\u062f\u0627\u062f.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0635\u062d\u064a\u062d \u0623\u0646 \u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u062e\u064a\u0627\u0631 \u0627\u0644\u0623\u0642\u0635\u0649\u060c \u0644\u0643\u0646 \u0628\u0645\u0627 \u0623\u0646\u0647 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0631\u062f\u0629 \u0641\u0639\u0644\u064a\u0643 \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a\u0647. \u0648\u0627\u0644\u0633\u0628\u064a\u0644 \u0627\u0644\u0623\u0645\u062b\u0644 \u0647\u0646\u0627 \u0623\u0644\u0627 \u062a\u0644\u062c\u0623 \u0625\u0644\u0649 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0641\u064a \u062d\u0627\u0644 \u0643\u0646\u062a \u0645\u062a\u0639\u062b\u0631\u064b\u0627\u060c \u0623\u0648 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0644\u0627 \u064a\u0633\u064a\u0631 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0631\u0627\u0645\u060c \u0648\u0625\u0646\u0645\u0627 \u062a\u0648\u062c\u0647 \u0625\u0644\u0649 \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636 \u0639\u0646\u062f \u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0641\u064a \u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u060c \u0623\u0648 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0639\u0644\u0649 \u0645\u0634\u0631\u0648\u0639 \u0622\u062e\u0631.. \u0625\u0644\u062e. \u0641\u0647\u0643\u0630\u0627 \u062a\u0643\u0648\u0646 \u0641\u064a \u0645\u0623\u0645\u0646 \u0645\u0646 \u0643\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0639\u0644\u064a\u0643\u060c \u0643\u0630\u0644\u0643\u060c \u0627\u0644\u062d\u0635\u0648\u0644 <\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 20px; font-family: 'comic sans ms', sans-serif;\">\u0639\u0644\u0649 \u0627\u0644\u0642\u0631\u0636.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>\u062a\u062a\u0648\u0642\u0641 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u064a \u062a\u0631\u064a\u062f \u0627\u0644\u0627\u0642\u062a\u0631\u0627\u0636\u060c \u0648\u0643\u0630\u0644\u0643 \u062a\u0627\u0631\u064a\u062e\u0647\u0627 \u0627\u0644\u0633\u0627\u0628\u0642\u060c \u0648\u0645\u062f\u0649 \u0646\u062c\u0627\u062d\u0647\u0627 \u0648\u062e\u0644\u0627\u0641\u0647\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649\u060c \u0648\u0627\u0644\u062a\u064a \u0644\u062f\u064a\u0647\u0627 \u0633\u062c\u0644<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":3,"featured_media":22246,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[491],"tags":[20734,21735,21736,7732,21737,19943,21738,21739,21740,21734,21741],"class_list":["post-22245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-491","tag-20734","tag-21735","tag-21736","tag-7732","tag-21737","tag-19943","tag-21738","tag-21739","tag-21740","tag-21734","tag-21741"],"_links":{"self":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts\/22245","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/comments?post=22245"}],"version-history":[{"count":0,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/posts\/22245\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/media\/22246"}],"wp:attachment":[{"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/media?parent=22245"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/categories?post=22245"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibtdi.com\/en\/wp-json\/wp\/v2\/tags?post=22245"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}