{"id":13800,"date":"2021-07-28T12:43:05","date_gmt":"2021-07-28T12:43:05","guid":{"rendered":"http:\/\/geoeconomics.ge\/?p=13800"},"modified":"2021-07-28T12:43:08","modified_gmt":"2021-07-28T12:43:08","slug":"%e1%83%99%e1%83%9d%e1%83%9b%e1%83%94%e1%83%a0%e1%83%aa%e1%83%98%e1%83%a3%e1%83%9a%e1%83%98-%e1%83%91%e1%83%90%e1%83%9c%e1%83%99%e1%83%94%e1%83%91%e1%83%98%e1%83%a1-%e1%83%a0%e1%83%9d%e1%83%9a%e1%83%98","status":"publish","type":"post","link":"http:\/\/geoeconomics.ge\/?p=13800","title":{"rendered":"\u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e0\u10dd\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8"},"content":{"rendered":"\n

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\u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10e8\u10d8.<\/p>\n\n\n\n

Annotation<\/strong><\/p>\n\n\n\n

The banking system is a great importance for the development of country\u2019s economy. The bank is an unique intermediary institution whose function is accumulating cash,settling and issuing money. By depositing money into saving accounts, the bank accumulates a certain amount of money, making it available to the part of the community that wants to borrow money to use it productively.  Nowadays the banking system is one of the most modernized and fast-growing sectors. Because of these facts, I considered it important to survey its role in the development of the country\u2019s economy. In this article I try to analyse how strong leverage is banking sector for strengthening the economy. In the Georgian reality, this issue has been  relevant especially since the 1990s, after the country gained political independence and chose the path of a market economy. Thus the aim of my research is to show what kind of correlation is between the growth of the number of banks operating in Georgia and the economic development of the country and to consider the banking sector in the context of the most important part of the Georgian financial market. I also analyse the challenges and risks posed by the pandemic in the Georgian banking system.<\/p>\n\n\n\n

\u10e0\u10d0 \u10e0\u10dd\u10da\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10dd\u10d1\u10e1 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d0\u10e8\u10d8? <\/strong><\/strong><\/p>\n\n\n\n

\u10d3\u10e6\u10d4\u10d5\u10d0\u10dc\u10d3\u10d4\u10da \u10d4\u10de\u10dd\u10e5\u10d0\u10e8\u10d8, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e2\u10d4\u10db\u10de\u10d4\u10d1\u10d8 \u10d0\u10ee\u10d0\u10e1\u10d8\u10d0\u10d7\u10d4\u10d1\u10e1, \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10e3\u10e0\u10d7\u10d8\u10d4\u10e0\u10d7\u10dd\u10d1\u10d4\u10d1\u10d8 \u10db\u10e3\u10d3\u10db\u10d8\u10d5\u10d0\u10d3 \u10d8\u10ea\u10d5\u10da\u10d4\u10d1\u10d0. \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e8\u10d8, \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8 \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10d8\u10dc\u10e2\u10d4\u10d2\u10e0\u10d0\u10ea\u10d8\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d6\u10d4, \u10ec\u10d8\u10dc\u10d0 \u10de\u10da\u10d0\u10dc\u10d6\u10d4 \u10d0\u10e6\u10db\u10dd\u10e9\u10dc\u10d3\u10d0 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10e0\u10e3\u10da\u10e7\u10dd\u10e4\u10d0, \u10e0\u10d0\u10e8\u10d8\u10ea \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10ec\u10d8\u10da\u10d0\u10d3 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10e4\u10d4\u10e0\u10dd \u10db\u10dd\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10dd\u10d1\u10e1.<\/p>\n\n\n\n

\u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d8\u10db\u10d8\u10e1\u10d0, \u10e0\u10dd\u10db \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d0\u10e0 \u10d0\u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10e1 \u10d0\u10e0\u10d0\u10dc\u10d0\u10d8\u10e0  \u10e1\u10d8\u10db\u10d3\u10d8\u10d3\u10e0\u10d4\u10e1, \u10db\u10d0\u10d7\u10d8 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d0 \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0 \u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10d8\u10e1, \u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d8\u10db\u10d3\u10d8\u10d3\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e0\u10d7\u10d5\u10d0\u10e1. \u10d1\u10d0\u10dc\u10d9\u10d8, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d4\u10e0\u10d7\u10d2\u10d5\u10d0\u10e0\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8, \u10e1\u10d0\u10d5\u10d0\u10ed\u10e0\u10dd \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10e1 \u10e4\u10e3\u10da\u10d8\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4  \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10e7\u10d8\u10d3\u10d5\u10d0-\u10d2\u10d0\u10e7\u10d8\u10d3\u10d5\u10d8\u10d7 \u10d0\u10dc \u10e1\u10ee\u10d5\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10d7  \u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e1. \u10d0\u10db \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10ec\u10e7\u10d0\u10da\u10dd\u10d1\u10d8\u10d7 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1 \u10e3\u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d4\u10e1 \u10db\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10d4\u10da \u10e0\u10d2\u10dd\u10da\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0 \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10d4\u10d1\u10e1 \u10e8\u10dd\u10e0\u10d8\u10e1.<\/p>\n\n\n\n

 XVIII \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d8\u10e1 \u10d3\u10d8\u10d3\u10db\u10d0 \u10d8\u10dc\u10d2\u10da\u10d8\u10e1\u10d4\u10da\u10db\u10d0 \u10d2\u10d0\u10db\u10dd\u10db\u10d2\u10dd\u10dc\u10d4\u10d1\u10da\u10db\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10df\u10d8\u10dc\u10d4\u10e0-\u10db\u10d4\u10e5\u10d0\u10dc\u10d8\u10d9\u10dd\u10e1\u10db\u10d0, \u10ef\u10dd\u10e0\u10ef \u10e1\u10e2\u10d4\u10e4\u10d4\u10dc\u10e1\u10dd\u10dc\u10db\u10d0,  \u10d7\u10e5\u10d5\u10d0:  \u201e\u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d0\u10e0\u10d8\u10e1 \u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10d4\u10da\u10d8 \u10d3\u10d0 \u10d2\u10d0\u10db\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d1\u10d4\u10da\u10d8 \u10da\u10d8\u10d9\u10d5\u10d8\u10d3\u10e3\u10e0\u10d8 \u10d0\u10e5\u10e2\u10d8\u10d5\u10d4\u10d1\u10d8\u10e1\u10d0, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d3\u10d0 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10e3\u10da\u10d8 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e1\u10d8\u10ea\u10dd\u10ea\u10ee\u10da\u10dd \u10eb\u10d0\u10da\u10d0\u10d0 \u10d3\u10d0 \u10db\u10d0\u10d7\u10d8 \u10d0\u10d3\u10db\u10d8\u10dc\u10d8\u10e1\u10e2\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d3\u10d0\u10ee\u10d4\u10d3\u10e3\u10da\u10d4\u10d1\u10d0\u10d6\u10d4\u10d0 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d8 \u10d4\u10e0\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d9\u10d4\u10d7\u10d8\u10da\u10d3\u10e6\u10d4\u10dd\u10d1\u10d0\u201c. [ 1 ]  <\/p>\n\n\n\n

\u10e1\u10e2\u10d4\u10e4\u10d4\u10dc\u10e1\u10dd\u10dc\u10d8\u10e1 \u10e1\u10d8\u10e2\u10e7\u10d5\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10d3\u10d0\u10e1\u10e2\u10e3\u10e0\u10d4\u10d1\u10da\u10d0\u10d3 \u10d3\u10d0 \u10d8\u10db\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10db\u10e2\u10d9\u10d8\u10ea\u10d4\u10d1\u10da\u10d0\u10d3, \u10e0\u10dd\u10db \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10d0 \u10dc\u10d0\u10db\u10d3\u10d5\u10d8\u10da\u10d0\u10d3\u10d0\u10d0 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d9\u10d4\u10d7\u10d8\u10da\u10e6\u10d4\u10dd\u10d1\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d0\u10de\u10d8\u10e0\u10dd\u10d1\u10d0, \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10dd\u10d7 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8.<\/p>\n\n\n\n

\u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e8\u10e3\u10d0\u10db\u10d0\u10d5\u10da\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d8\u10d7 \u10d2\u10d5\u10d4\u10d5\u10da\u10d8\u10dc\u10d4\u10d1\u10d0. \u10db\u10d0\u10d7\u10d8 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7 \u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8 \u10d2\u10d0\u10d3\u10d0\u10d8\u10e5\u10d0\u10e9\u10d4\u10d1\u10d0 \u10d8\u10db \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0\u10d2\u10d0\u10dc, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0\u10ea \u10d3\u10d0\u10dc\u10d0\u10d6\u10dd\u10d2\u10d4\u10d1\u10d8 \u10d2\u10d0\u10d0\u10e9\u10dc\u10d8\u10d0\u10d7 (\u10d3\u10d0\u10db\u10d6\u10dd\u10d2\u10d5\u10d4\u10da\u10d4\u10d1\u10d8), \u10d8\u10db \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0\u10d9\u10d4\u10dc, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1\u10d0\u10ea \u10e4\u10e3\u10da\u10d0\u10d3\u10d8  \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8 \u10e1\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0\u10d7 \u10db\u10dd\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d0\u10dc \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10da\u10d0\u10d3 (\u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d4\u10d1\u10d8). [ 2 ]<\/p>\n\n\n\n

\u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10ef\u10d2\u10e3\u10e4\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10e8\u10d4\u10e2\u10d0\u10dc\u10d8\u10da\u10d8 \u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d8\u10e5\u10db\u10dc\u10d4\u10d1\u10d0  \u10d1\u10d0\u10dc\u10d9\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d0\u10d6\u10dd\u10d2\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10dc\u10d0\u10ec\u10d8\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d0\u10e1 \u10ee\u10db\u10d0\u10e0\u10d3\u10d4\u10d1\u10d0. \u10d0\u10db \u10d3\u10d0\u10dc\u10d0\u10d6\u10dd\u10d2\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d2\u10d0\u10e1\u10ea\u10d4\u10db\u10d4\u10dc \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10d0\u10db\u10d8\u10d7 \u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10d4\u10d1\u10d4\u10dc \u10d0\u10ee\u10d0\u10da\u10d8 \u10d3\u10d0 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d0\u10db\u10dd\u10ec\u10e7\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d0\u10e1. \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10d7 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0 \u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10d0, \u10d3\u10d0\u10e1\u10d0\u10e5\u10db\u10d4\u10d1\u10d0, \u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d0, \u10e0\u10d0\u10ea, \u10d7\u10d0\u10d5\u10d8\u10e1 \u10db\u10ee\u10e0\u10d8\u10d5, \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10db\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10d8 \u10e3\u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d4\u10e1\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8\u10d0. [ 2 ] [ 3 ]<\/p>\n\n\n\n

\u10e5\u10d5\u10d4\u10db\u10dd\u10d7 \u10db\u10dd\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10d3\u10d8\u10d0\u10d2\u10e0\u10d0\u10db\u10d0 \u10d2\u10d5\u10d8\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10e1 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d4\u10e0\u10d7\u10dd \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0\u10e1, \u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10ee\u10e3\u10da\u10e1 \u10d0\u10db\u10d4\u10e0\u10d8\u10d9\u10e3\u10da \u10d3\u10dd\u10da\u10d0\u10e0\u10e8\u10d8.<\/p>\n\n\n\n

\u10d3\u10d8\u10d0\u10d2\u10e0\u10d0\u10db\u10d8\u10d3\u10d0\u10dc \u10e9\u10d0\u10dc\u10e1, \u10e0\u10dd\u10db \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 \u10d1\u10dd\u10da\u10dd \u10d0\u10d7\u10ec\u10da\u10d4\u10e3\u10da\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0, \u10e0\u10d0\u10ea \u10d9\u10d8\u10d3\u10d4\u10d5 \u10d4\u10e0\u10d7\u10ee\u10d4\u10da \u10d0\u10d3\u10d0\u10e1\u10e2\u10e3\u10e0\u10d4\u10d1\u10e1 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0\u10e1 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d0\u10e8\u10d8.<\/p>\n\n\n\n

\u10dc\u10d0\u10ee\u10d0\u10d6\u10d8 1. \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d8\u10dc\u10d0\u10db\u10d8\u10d9\u10d0 (1950-2020 \u10ec\u10da\u10d4\u10d1\u10d8)<\/strong><\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u10ec\u10e7\u10d0\u10e0\u10dd:<\/strong> Consumer Loans, All Commercial Banks (CONSUMER) | FRED | St. Louis Fed (stlouisfed.org)<\/a><\/p>\n\n\n\n

 \u10d0\u10e6\u10e1\u10d0\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10d8\u10d0 \u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10d8\u10ea, \u10e0\u10dd\u10db \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d8\u10e1 \u10d9\u10e3\u10d7\u10ee\u10d8\u10d7 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10e3\u10da \u10e8\u10d4\u10e6\u10d0\u10d5\u10d0\u10d7\u10d4\u10d1\u10e1 \u10e3\u10d9\u10d4\u10d7\u10d4\u10d1\u10d4\u10dc \u10d8\u10db \u10d3\u10d0\u10e0\u10d2\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d0\u10ee\u10d0\u10da\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d8\u10da\u10d8\u10d0 \u10d0\u10dc \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10da\u10d0\u10d3 \u10e3\u10d0\u10ee\u10da\u10d4\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10e1 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1. \u10d0\u10db\u10d2\u10d5\u10d0\u10e0\u10d8 \u10db\u10d8\u10d3\u10d2\u10dd\u10db\u10d0, \u10ea\u10ee\u10d0\u10d3\u10d8\u10d0, \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0\u10d8 \u10d3\u10d0\u10e0\u10d2\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8 \u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10e1\u10e2\u10d8\u10db\u10e3\u10da\u10e1 \u10d3\u10d0 \u10db\u10e0\u10d4\u10ec\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d0\u10e6\u10dd\u10e0\u10eb\u10d8\u10dc\u10d4\u10d1\u10d0\u10e1 \u10e3\u10ec\u10e7\u10dd\u10d1\u10e1 \u10ee\u10d4\u10da\u10e1. [ 2 ]<\/p>\n\n\n\n

 \u10d1\u10dd\u10da\u10dd \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10d7\u10d0\u10d5\u10d0\u10d3 \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d8\u10e1 \u10d0\u10db\u10de\u10da\u10e3\u10d0\u10ea \u10db\u10dd\u10d8\u10e0\u10d2\u10d4\u10e1. \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d4\u10dc \u10d8\u10e1\u10d4\u10d7\u10d8 \u10e0\u10d7\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e0\u10d7\u10d5\u10d0\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea \u10db\u10d4\u10ec\u10d0\u10e0\u10db\u10d4\u10dd\u10d1\u10d0\u10d0. \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d8\u10e6\u10d4\u10d1\u10d4\u10dc \u10db\u10dd\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10dd\u10d1\u10d0\u10e1 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d8\u10d3\u10d4\u10d8\u10e1 \u10e9\u10d0\u10db\u10dd\u10e7\u10d0\u10da\u10d8\u10d1\u10d4\u10d1\u10d0\u10e8\u10d8, \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d8 \u10d9\u10d0\u10d3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10eb\u10d8\u10d4\u10d1\u10d0\u10e8\u10d8, \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d8\u10e1\u10d0\u10e1 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10e8\u10d8, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10ec\u10d4\u10d5\u10d0\u10e8\u10d8. \u10e7\u10d5\u10d4\u10da\u10d0 \u10d0\u10db \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d0\u10e1 \u10d1\u10dd\u10da\u10dd \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10d9\u10dd\u10dd\u10e0\u10d3\u10d8\u10dc\u10d8\u10e0\u10d4\u10d1\u10d0\u10e1 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e3\u10ec\u10d4\u10d5\u10d4\u10dc. \u10d0\u10e1\u10d4 \u10e0\u10dd\u10db, \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d8\u10d7 \u10d0\u10e0 \u10e3\u10d7\u10e5\u10d5\u10d0\u10db\u10e1 \u10d0\u10db\u10d4\u10e0\u10d8\u10d9\u10d8\u10e1 \u10de\u10e0\u10d4\u10d6\u10d8\u10d3\u10d4\u10dc\u10e2\u10e1, \u10ef\u10d4\u10d8\u10db\u10e1 \u10d2\u10d0\u10e0\u10e4\u10d8\u10da\u10d3\u10e1, \u10e8\u10d4\u10db\u10d3\u10d4\u10d2\u10d8 \u10e1\u10d8\u10e2\u10e7\u10d5\u10d4\u10d1\u10d8 – \u201e\u10d8\u10e1, \u10d5\u10d8\u10dc\u10ea \u10d0\u10d9\u10dd\u10dc\u10e2\u10e0\u10dd\u10da\u10d4\u10d1\u10e1 \u10e4\u10e3\u10da\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0\u10e1 \u10e9\u10d5\u10d4\u10dc\u10e1 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8, \u10d0\u10e0\u10d8\u10e1 \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10d0\u10d3 \u10db\u10e0\u10d4\u10ec\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d8\u10e1 \u10d1\u10d0\u10e2\u10dd\u10dc-\u10de\u10d0\u10e2\u10e0\u10dd\u10dc\u10d8\u2026\u201c (1881 \u10ec.). [ 3 ] \u10e4\u10e3\u10da\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10d9\u10dd\u10dc\u10e2\u10e0\u10dd\u10da\u10d4\u10d1\u10da\u10d0\u10d3 \u10d9\u10d8 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8 \u10d2\u10d5\u10d4\u10d5\u10da\u10d8\u10dc\u10d4\u10d1\u10d0.<\/p>\n\n\n\n

  \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10e1\u10d0\u10db\u10e7\u10d0\u10e0\u10dd\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 \u10d9\u10e0\u10d8\u10d6\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10e2\u10e3\u10dc\u10d0\u10e0\u10d8\u10dd\u10d0\u10dc\u10dd\u10d1\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10d8\u10e0\u10e9\u10d4\u10d5\u10d0. \u10d0\u10db\u10d8\u10e1 \u10db\u10d8\u10d6\u10d4\u10d6\u10d8 \u10d9\u10d8 \u10d8\u10e1\u10d0\u10d0, \u10e0\u10dd\u10db \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10e1\u10d8\u10d3\u10e3\u10ee\u10ed\u10d8\u10e0\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10ee\u10d4\u10da\u10d8\u10e1\u10e3\u10e4\u10da\u10d4\u10d1\u10d0\u10e1 \u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8 \u10e1\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0. \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10d9\u10d8 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10ee\u10d4\u10da\u10d8\u10e1\u10e3\u10e4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0. \u10d9\u10d4\u10e0\u10eb\u10dd\u10d3, \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10e1 \u10d3\u10d4\u10d1\u10d4\u10dc \u10ee\u10d4\u10da\u10d8\u10e1\u10e3\u10e4\u10da\u10d4\u10d1\u10d8\u10e1 \u10e4\u10d0\u10e1\u10d8\u10d0\u10dc \u10e5\u10d0\u10e6\u10d0\u10da\u10d3\u10d4\u10d1\u10e8\u10d8 \u10d3\u10d0 \u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d4\u10dc \u10db\u10dd\u10d9\u10da\u10d4\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc \u10e1\u10d0\u10ee\u10d0\u10d6\u10d8\u10dc\u10dd \u10d7\u10d0\u10db\u10d0\u10e1\u10e3\u10e5\u10d4\u10d1\u10e1, \u10e0\u10d8\u10d7\u10d8\u10ea \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd\u10e8\u10d8 \u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10dc\u10d0\u10d9\u10d0\u10d3\u10d4\u10d1\u10d8 \u10e8\u10d4\u10d3\u10d8\u10e1. \u10e7\u10dd\u10d5\u10d4\u10da\u10d8\u10d5\u10d4 \u10d4\u10e1 \u10d9\u10d8 \u10e1\u10d0\u10e1\u10d8\u10ea\u10dd\u10ea\u10ee\u10da\u10dd\u10d3 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4. [ 2 ]<\/p>\n\n\n\n

\u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d4\u10da\u10d8 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d8<\/strong><\/strong><\/p>\n\n\n\n

 \u10db\u10d4-19 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d4\u10e8\u10d8 \u10d8\u10da\u10d8\u10d0 \u10ed\u10d0\u10d5\u10ed\u10d0\u10d5\u10d0\u10eb\u10d4 \u10d0\u10db\u10d1\u10dd\u10d1\u10e1: \u201e\u10e9\u10d5\u10d4\u10dc\u10d7\u10d5\u10d8\u10e1 \u10db\u10d0\u10e0\u10e2\u10dd \u10d1\u10d0\u10dc\u10d9\u10d8\u10d0 \u10d8\u10e1 \u10db\u10dd\u10d4\u10d3\u10d0\u10dc\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d6\u10d4\u10ea \u10e3\u10dc\u10d3\u10d0 \u10d0\u10e6\u10d8\u10d6\u10d0\u10e0\u10d3\u10dd\u10e1, \u10e4\u10d4\u10ee\u10d8 \u10d0\u10d8\u10d3\u10d2\u10d0\u10e1, \u10d2\u10d0\u10d8\u10ec\u10e3\u10e0\u10d7\u10dc\u10dd\u10e1, \u10d2\u10d0\u10d8\u10dc\u10d0\u10d5\u10d0\u10e0\u10d3\u10dd\u10e1 \u10e9\u10d5\u10d4\u10dc\u10db\u10d0 \u10d7\u10d5\u10d8\u10d7\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10d0\u10db, \u10e9\u10d5\u10d4\u10dc\u10db\u10d0 \u10d6\u10dc\u10d4\u10dd\u10d1\u10e0\u10d8\u10d5\u10db\u10d0 \u10eb\u10d0\u10da-\u10e6\u10dd\u10dc\u10d4\u10db. \u10d5\u10d8\u10e1\u10d0\u10ea \u10e9\u10d5\u10d4\u10dc\u10d8 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0 \u10d2\u10e3\u10da\u10ec\u10e0\u10e4\u10d4\u10da\u10d0\u10d3 \u10e3\u10e7\u10d5\u10d0\u10e0\u10e1 \u10d3\u10d0 \u10e9\u10d5\u10d4\u10dc\u10d7\u10d5\u10d8\u10e1 \u10d9\u10d4\u10d7\u10d8\u10da\u10d8 \u10d0\u10e0 \u10e8\u10e3\u10e0\u10e1, \u10d8\u10e1 \u10d3\u10d8\u10d3\u10d8\u10e1 \u10e1\u10d8\u10e4\u10ee\u10d8\u10d6\u10da\u10d8\u10d7, \u10d3\u10d8\u10d3\u10d8\u10e1 \u10db\u10dd\u10e1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d8\u10d7 \u10e3\u10dc\u10d3\u10d0 \u10d4\u10d9\u10d8\u10d3\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10e1 \u10e1\u10d0\u10d2\u10d0\u10dc\u10e1, \u10e7\u10dd\u10d5\u10d4\u10da\u10e1 \u10d0\u10d6\u10e0\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1\u201c. [ 4 ]<\/p>\n\n\n\n

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\u10dc\u10d0\u10ee\u10d0\u10d6\u10d8 2. \u10de\u10e0\u10d4\u10e2\u10d4\u10dc\u10d6\u10d8\u10e3\u10da\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0 (2020 \u10ec\u10d4\u10da\u10d8)<\/strong><\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u10ec\u10e7\u10d0\u10e0\u10dd:<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8<\/p>\n\n\n\n

\u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10e3\u10da\u10d8 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e8\u10d8<\/strong><\/strong><\/p>\n\n\n\n

\u201e\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10e8\u10d8, \u10d7\u10e3 \u10d2\u10d8\u10dc\u10d3\u10d0\u10d7, \u10e0\u10dd\u10db \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10d8\u10e7\u10dd\u10d7 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d0\u10e8\u10d8, \u10de\u10d8\u10e0\u10d5\u10d4\u10da \u10e0\u10d8\u10d2\u10e8\u10d8, \u10d7\u10e5\u10d5\u10d4\u10dc \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e7\u10dd\u10d7 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10e8\u10d8. \u10d4\u10e1 \u10d0\u10e0\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10d3\u10d0\u10dc\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e4\u10e3\u10eb\u10d5\u10d4\u10da\u10d8\u201d – \u10e3\u10d4\u10da\u10e1 \u10e4\u10d0\u10e0\u10d2\u10dd. [ 6 ]<\/p>\n\n\n\n

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\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10e3\u10da\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d8 \u10d2\u10d0\u10d4\u10d6\u10e0\u10d3\u10d4\u10d1\u10dd\u10d3\u10d0\u10d7. \u10db\u10d0\u10e0\u10d7\u10d0\u10da\u10d8\u10d0 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10dc\u10d0\u10ec\u10d8\u10da\u10d8\u10e1 \u10db\u10ee\u10e0\u10d8\u10d3\u10d0\u10dc \u10e3\u10d9\u10d0\u10dc\u10d0\u10e1\u10d9\u10dc\u10d4\u10da\u10db\u10d0 \u10d2\u10d0\u10dc\u10ea\u10ee\u10d0\u10d3\u10d4\u10d1\u10d0\u10db \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7\u10d8 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10d2\u10d0\u10db\u10dd\u10d8\u10ec\u10d5\u10d8\u10d0, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e1\u10d0\u10db\u10d8 \u10d7\u10d5\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10d1\u10e0\u10d8\u10d5\u10d0\u10d3 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d3\u10d0\u10e0\u10e9\u10d4\u10d1\u10dd\u10d3\u10dc\u10d4\u10dc. \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d0\u10d3, \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10e4\u10d0\u10e5\u10e2\u10d8 \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10e1\u10d0\u10db\u10d0\u10e0\u10d7\u10da\u10d8\u10d0\u10dc\u10d0\u10d3 \u10e9\u10d0\u10d5\u10d7\u10d5\u10d0\u10da\u10dd\u10d7 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10d9\u10d4\u10d7\u10d4\u10d1\u10e3\u10da \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da \u10e8\u10d4\u10e6\u10d0\u10d5\u10d0\u10d7\u10d0\u10d3, \u10d7\u10e3 \u10d2\u10d0\u10d5\u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d7 \u10d8\u10db \u10e4\u10d0\u10e5\u10e2\u10e1\u10d0\u10ea, \u10e0\u10dd\u10db \u10db\u10dd\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0 \u10e1\u10d0\u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10dd \u10d0\u10e0 \u10d8\u10e7\u10dd. [ 7 ] <\/p>\n\n\n\n

 \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10e1\u10d4\u10d7\u10d8 \u10d2\u10d0\u10d3\u10d0\u10d5\u10d0\u10d3\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd 2021 \u10ec\u10da\u10d8\u10e1 \u10d8\u10d0\u10dc\u10d5\u10d0\u10e0\u10e1\u10d0 \u10d3\u10d0 \u10d7\u10d4\u10d1\u10d4\u10e0\u10d5\u10d0\u10da\u10e8\u10d8 \u10e3\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d8\u10da\u10d8 8.4%; \u10db\u10d0\u10e0\u10e2\u10e8\u10d8 – 8.5%; \u10d0\u10de\u10e0\u10d8\u10da\u10e8\u10d8 – 8.0% \u10d8\u10e7\u10dd. \u10e3\u10d9\u10d0\u10dc\u10d0\u10e1\u10d9\u10dc\u10d4\u10da\u10d8 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10db\u10d0\u10d8\u10e1\u10d8\u10e1 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d8\u10d7, \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e8\u10d8 \u10e3\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10dd \u10d8\u10e7\u10dd \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10d8 \u10e1\u10d0\u10e1\u10d4\u10e1\u10ee\u10dd \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d8\u10e1 7.6%. \u10e3\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d0 \u10e1\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d2\u10d0\u10ef\u10d0\u10dc\u10e1\u10d0\u10e6\u10d4\u10d1\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10e7\u10d5\u10d4\u10da\u10d4\u10d1\u10e1. [ 8 ]<\/p>\n\n\n\n

\u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10e1\u10d7\u10d0\u10dc \u10d1\u10e0\u10eb\u10dd\u10da\u10d0\u10e8\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e9\u10d0\u10e0\u10d7\u10e3\u10da\u10dd\u10d1\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10e7\u10d5\u10d4\u10da\u10d4\u10d1\u10e1 \u10d9\u10dd\u10e0\u10dd\u10dc\u10d0\u10d5\u10d8\u10e0\u10e3\u10e1\u10d8\u10e1 \u10e8\u10d4\u10e9\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d3\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0, \u10e1\u10d0\u10d3\u10d0\u10ea \u10d3\u10d8\u10d3 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e1, \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10db\u10d4\u10dc\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10d3\u10d8\u10d5\u10d8\u10d3\u10d4\u10d1\u10e1 \u10e8\u10d4\u10d4\u10eb\u10da\u10dd\u10d7 \u10e4\u10e3\u10da\u10d8\u10e1 \u10e9\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10d3\u10d0\u10ea \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10dd\u10d1\u10d8\u10d7 \u10da\u10d0\u10e0\u10d8 \u10e9\u10d0\u10e0\u10d8\u10ea\u10ee\u10d4\u10e1. \u10d0\u10e1\u10d4\u10d7\u10d8 \u10e4\u10dd\u10dc\u10d3\u10d4\u10d1\u10d8\u10e1 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8 \u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e3\u10d9\u10d4\u10d7 \u10d2\u10d0\u10d3\u10d0\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d1\u10d0, \u10db\u10d4\u10e2\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0\u10d0 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10e4\u10dd\u10dc\u10d3\u10d4\u10d1\u10d8 \u10e1\u10d0\u10e1\u10d8\u10ea\u10dd\u10ea\u10ee\u10da\u10dd\u10d3 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10d8\u10e2\u10e3\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10e7\u10d4\u10dc\u10d4\u10d1\u10da\u10d0\u10d3. [ 7 ]<\/p>\n\n\n\n

\u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10d7 \u10db\u10e3\u10d3\u10db\u10d8\u10d5\u10d0\u10d3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d3\u10d4\u10d1\u10d0 \u10db\u10ea\u10d8\u10e0\u10d4 \u10d3\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10e1\u10d0\u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10d8 (SME), \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea  \u10e1\u10d0\u10db\u10e3\u10e8\u10d0\u10dd \u10d0\u10d3\u10d2\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10e1, \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10d3\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e4\u10d8\u10d9\u10d0\u10ea\u10d8\u10d8\u10e1, \u10e1\u10dd\u10ea\u10d8\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10e8\u10de-\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10d0\u10db\u10d0\u10e9\u10e5\u10d0\u10e0\u10d4\u10d1\u10da\u10d8\u10e1 \u10e0\u10dd\u10da\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10dd\u10d1\u10d4\u10dc. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 40.15 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10d8\u10d0. \u10e1\u10d4\u10d1-\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10d1\u10dd\u10da\u10dd \u10ec\u10da\u10d4\u10d1\u10e8\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10d0\u10d3 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0 \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 SME \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0 2018 \u10ec\u10d4\u10da\u10e1 \u10d6\u10e0\u10d3\u10d0 18.8% \u10d8\u10e7\u10dd \u10d3\u10d0 SME \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10db\u10d0 6.5 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10e1 \u10d2\u10d0\u10d3\u10d0\u10d0\u10ed\u10d0\u10e0\u10d1\u10d0, 2019 \u10ec\u10d4\u10da\u10e1 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 24.6% \u10d8\u10e7\u10dd, \u10ee\u10dd\u10da\u10dd \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 7.8 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8 \u10da\u10d0\u10e0\u10d8. 2020 \u10ec\u10da\u10d8\u10e1 \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d6\u10e0\u10d3\u10d8\u10e1 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d8\u10d7, SME \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10ec\u10d8\u10da\u10db\u10d0 2020 \u10ec\u10da\u10d8\u10e1 \u10d1\u10dd\u10da\u10dd\u10e1\u10d0\u10d0\u10d7\u10d5\u10d8\u10e1 \u10e1\u10d0\u10d5\u10d0\u10e0\u10d0\u10e3\u10d3\u10dd\u10d3 9 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10e1 \u10d2\u10d0\u10d3\u10d0\u10d0\u10ed\u10d0\u10e0\u10d1\u10d0. [ 9 ]<\/p>\n\n\n\n

\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d0 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10e3\u10da \u10d0\u10ee\u10d0\u10da \u10e0\u10d4\u10d0\u10da\u10dd\u10d1\u10d0\u10e8\u10d8<\/strong><\/strong><\/p>\n\n\n\n

\u10d9\u10dd\u10e0\u10dd\u10dc\u10d0\u10d5\u10d8\u10e0\u10e3\u10e1\u10db\u10d0 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d6\u10d4 \u10db\u10dd\u10d0\u10ee\u10d3\u10d8\u10dc\u10d0 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0. \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10dc\u10d0\u10d3 \u10e8\u10d4\u10ea\u10d5\u10d0\u10da\u10d0 \u10e3\u10d9\u10d5\u10d4 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d4\u10d1\u10d8. \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d0\u10e8\u10d9\u10d0\u10e0\u10d0 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0\u10d6\u10d4 \u10db\u10dd\u10ec\u10db\u10dd\u10d1\u10e1 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e1\u10e4\u10d4\u10e0\u10dd\u10e8\u10d8 \u10e8\u10d4\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d4\u10d1\u10d8. <\/p>\n\n\n\n

 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d0\u10e3\u10ea\u10d8\u10da\u10d4\u10d1\u10d4\u10da\u10d8 \u10de\u10d8\u10e0\u10dd\u10d1\u10d0\u10d0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d3\u10d4\u10de\u10dd\u10d6\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0. \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d0\u10db \u10db\u10ee\u10e0\u10d8\u10d5 \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0 \u10e8\u10d4\u10d8\u10dc\u10d8\u10e8\u10dc\u10d4\u10d1\u10d0. \u10d0\u10db\u10d8\u10e1 \u10db\u10d8\u10d6\u10d4\u10d6\u10d0\u10d3 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10e1\u10e2\u10d4\u10d1\u10d8 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10e1 \u10d0\u10e1\u10d0\u10ee\u10d4\u10da\u10d4\u10d1\u10d4\u10dc. \u10db\u10d0\u10d7\u10d8 \u10d7\u10e5\u10db\u10d8\u10d7, \u10d2\u10d0\u10dc\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0 \u10da\u10d0\u10e0\u10d8\u10e1 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0\u10db \u10db\u10dd\u10d0\u10ee\u10d3\u10d8\u10dc\u10d0. \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0, 2021 \u10ec\u10da\u10d8\u10e1 \u10db\u10d0\u10d8\u10e1\u10e8\u10d8, \u10ec\u10d8\u10dc\u10d0 \u10d7\u10d5\u10d4\u10e1\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 616.81 \u10db\u10da\u10dc \u10da\u10d0\u10e0\u10d8\u10d7 (1.54%-\u10d8\u10d7) \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d0 (\u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10d7\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4, 1.16%-\u10d8\u10d7 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0) \u10d3\u10d0 \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10ec\u10da\u10d8\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10d8\u10d5\u10dc\u10d8\u10e1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 39.53 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0.<\/p>\n\n\n\n

  \u10e0\u10d4\u10d6\u10d8\u10d3\u10d4\u10dc\u10e2\u10d8 \u10d8\u10e3\u10e0\u10d8\u10d3\u10d8\u10e3\u10da\u10d8 \u10de\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 2021 \u10ec\u10da\u10d8\u10e1 \u10db\u10d0\u10d8\u10e1\u10d8\u10e1 \u10d1\u10dd\u10da\u10dd\u10e1, \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10d7 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10f0\u10e5\u10dd\u10dc\u10d3\u10d0\u10d7 5.73 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10d8\u10e1 (\u10ec\u10d8\u10dc\u10d0 \u10d7\u10d5\u10d4\u10e1\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 1.50%-\u10d8\u10d7 \u10db\u10d4\u10e2\u10d8), \u10ee\u10dd\u10da\u10dd \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10d7 13.47 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10d8\u10e1 (\u10ec\u10d8\u10dc\u10d0 \u10d7\u10d5\u10d4\u10e1\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 3.99%-\u10d8\u10d7 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d8) \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8 (\u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10d7\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4, 0.84%-\u10d8\u10d7 \u10db\u10d4\u10e2\u10d8).<\/p>\n\n\n\n

2021 \u10ec\u10da\u10d8\u10e1 \u10db\u10d0\u10d8\u10e1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 0.51%-\u10d8\u10d7, \u10d0\u10dc\u10e3 100.51 \u10db\u10da\u10dc \u10da\u10d0\u10e0\u10d8\u10d7  \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d0 \u10e0\u10d4\u10d6\u10d8\u10d3\u10d4\u10dc\u10e2\u10d8 \u10e8\u10d8\u10dc\u10d0\u10db\u10d4\u10e3\u10e0\u10dc\u10d4\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10ec\u10da\u10d8\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10d8\u10d5\u10dc\u10d8\u10e1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 19.57 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0.<\/p>\n\n\n\n

\u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d0\u10d3, \u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10d7\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e8\u10d8 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8\u10d0, \u10d7\u10e3\u10db\u10ea\u10d0 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4, \u10da\u10d0\u10e0\u10d8\u10e1 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10d2\u10d0\u10e3\u10e4\u10d0\u10e1\u10e3\u10e0\u10d4\u10d1\u10d0\u10db \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0 \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7\u10d8 \u10d2\u10d0\u10ee\u10d0\u10d3\u10d0. [ 10 ]<\/p>\n\n\n\n

\u10dc\u10d0\u10ee\u10d0\u10d6\u10d8 3. \u10e5\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10d2\u10d0\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8 <\/strong><\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u10ec\u10e7\u10d0\u10e0\u10dd:<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8<\/p>\n\n\n\n

\u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10d8\u10d5\u10dc\u10d8\u10e1\u10e8\u10d8 \u10e5\u10d0\u10e0\u10d7\u10e3\u10da \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e8\u10d8 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d3\u10d4\u10de\u10dd\u10d6\u10d8\u10e2\u10d4\u10d1\u10d8 887 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10da\u10d0\u10e0\u10d8\u10d7 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d0. 1 \u10d8\u10d5\u10da\u10d8\u10e1\u10d8\u10e1 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d8\u10d7, \u10d3\u10d4\u10de\u10dd\u10d6\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0\u10db 34.53 \u10db\u10da\u10e0\u10d3 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, \u10e0\u10d0\u10ea 887.45 \u10db\u10da\u10dc \u10da\u10d0\u10e0\u10d8\u10d7 (2.51%) \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d8\u10d0 \u10ec\u10d8\u10dc\u10d0 \u10d7\u10d5\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d6\u10d4. \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10d7\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d0\u10db \u10d9\u10da\u10d4\u10d1\u10d0\u10db 0.10% \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d0\u10d3, \u10d9\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10db\u10d8\u10d6\u10d4\u10d6\u10d8 \u10da\u10d0\u10e0\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d5\u10da\u10d8\u10d7\u10d8 \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10d2\u10d0\u10db\u10e7\u10d0\u10e0\u10d4\u10d1\u10d0 \u10d8\u10e7\u10dd, \u10e0\u10d0\u10db\u10d0\u10ea \u10e1\u10d0\u10d5\u10d0\u10da\u10e3\u10e2\u10dd \u10d3\u10d4\u10de\u10dd\u10d6\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d0 (\u10da\u10d0\u10e0\u10d4\u10d1\u10e8\u10d8 \u10d2\u10d0\u10db\u10dd\u10e1\u10d0\u10ee\u10e3\u10da\u10d8) \u10e8\u10d4\u10d0\u10db\u10ea\u10d8\u10e0\u10d0. [ 11 ]<\/p>\n\n\n\n

\u10dc\u10d0\u10ee\u10d0\u10d6\u10d8 4. \u10e5\u10d0\u10e0\u10d7\u10e3\u10da \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d7\u10d0\u10d5\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d0\u10e0\u10d0\u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d3\u10d4\u10de\u10dd\u10d6\u10d8\u10e2\u10d4\u10d1\u10d8<\/strong><\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u10ec\u10e7\u10d0\u10e0\u10dd: <\/strong>\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8<\/p>\n\n\n\n

 2020 \u10ec\u10d4\u10da\u10e1, \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10db\u10d0 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10db\u10d0 29.6 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0, \u10e0\u10d0\u10ea 32%-\u10d8\u10d7 \u10d0\u10e6\u10d4\u10db\u10d0\u10e2\u10d4\u10d1\u10d0 2019 \u10ec\u10da\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10e1. \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d8\u10db\u10d8\u10e1\u10d0, \u10e0\u10dd\u10db \u10e0\u10d4\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 2020 \u10ec\u10d4\u10da\u10e1 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10d8\u10e1 18,202 \u10db\u10dd\u10d5\u10da\u10d4\u10dc\u10d0 \u10d3\u10d0\u10e4\u10d8\u10e5\u10e1\u10d8\u10e0\u10d3\u10d0, \u10e0\u10d0\u10ea 2019 \u10ec\u10da\u10d8\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 19%-\u10d8\u10d7 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d8\u10d0, \u10e1\u10d0\u10d4\u10e0\u10d7\u10dd \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 2020 \u10ec\u10d4\u10da\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d0\u10e6\u10d0\u10da \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10e1 \u10d0\u10e2\u10d0\u10e0\u10d4\u10d1\u10e1. \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10db\u10d8\u10d6\u10d4\u10d6\u10d8, \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10e1\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d7\u10e5\u10db\u10d8\u10d7, \u10d0\u10e0\u10d8\u10e1 \u10d8\u10e1, \u10e0\u10dd\u10db \u10d9\u10dd\u10e0\u10dd\u10dc\u10d0\u10d5\u10d8\u10e0\u10e3\u10e1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d6\u10d4 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10dd \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10d4\u10d1\u10d8 \u10d3\u10d0\u10d0\u10e0\u10d4\u10d6\u10d4\u10e0\u10d5\u10d4\u10e1.   [ 12 ]<\/p>\n\n\n\n

\u10dc\u10d0\u10ee\u10d0\u10d6\u10d8 5. \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10d8 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d8\u10dc\u10d0\u10db\u10d8\u10d9\u10d0 (2020 \u10ec\u10d4\u10da\u10d8)<\/strong><\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u10ec\u10e7\u10d0\u10e0\u10dd:<\/strong> \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8<\/strong><\/p>\n\n\n\n

\u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4 \u10d0\u10d3\u10d0\u10de\u10e2\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e3\u10dc\u10d0\u10e0\u10d6\u10d4 \u10db\u10d4\u10e2\u10e7\u10d5\u10d4\u10da\u10d4\u10d1\u10e1 \u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10d8\u10ea, \u10e0\u10dd\u10db \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10e8\u10d4\u10eb\u10da\u10dd \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0 \u10d3\u10d0 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e8\u10d8\u10ea \u10d9\u10d8 \u10db\u10dd\u10d0\u10ee\u10d4\u10e0\u10ee\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0\u10d6\u10d4 \u10d2\u10d0\u10e1\u10e3\u10da\u10d8\u10e7\u10dd. \u10e3\u10d9\u10d0\u10dc\u10d0\u10e1\u10d9\u10dc\u10d4\u10da\u10d8 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, 2021 \u10ec\u10da\u10d8\u10e1 \u10d8\u10d5\u10dc\u10d8\u10e1\u10e8\u10d8 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10db\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10e0\u10d4\u10d9\u10dd\u10e0\u10d3\u10e3\u10da\u10d8 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0 \u10db\u10d8\u10d8\u10e6\u10d4\u10e1. \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d4\u10e0\u10d7 \u10d7\u10d5\u10d4\u10e8\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d1\u10d0\u10d6\u10e0\u10d8\u10e1 \u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d8 \u10db\u10dd\u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d4\u10d1\u10d8\u10e1 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0\u10db 294.628 \u10db\u10da\u10dc \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0. \u10d4\u10e1 \u10d9\u10d8 \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 114%-\u10d8\u10d7 \u10db\u10d4\u10e2\u10d8\u10d0 \u10ec\u10d8\u10dc\u10d0 \u10ec\u10da\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10dd\u10d2\u10d8\u10e3\u10e0 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7. \u10e8\u10d0\u10e0\u10e8\u10d0\u10dc \u10d8\u10d5\u10dc\u10d8\u10e1\u10e8\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0 \u10d8\u10e7\u10dd 137.789 \u10db\u10da\u10dc \u10da\u10d0\u10e0\u10d8. <\/p>\n\n\n\n

\u00a0<\/em>\u00a0\u10ea\u10dc\u10dd\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, 2020 \u10ec\u10d4\u10da\u10e1 \u00a0\u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10ec\u10db\u10d8\u10dc\u10d3\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0\u10db 99.262 \u10db\u10da\u10dc \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0. \u10d4\u10e1 \u10d8\u10e7\u10dd \u10db\u10dd\u10d2\u10d4\u10d1\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10ea\u10d8\u10e0\u10d4 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 \u10d1\u10dd\u10da\u10dd \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10e1 \u10e8\u10dd\u10e0\u10d8\u10e1. \u10db\u10d8\u10d6\u10d4\u10d6\u10d0\u10d3 \u10d9\u10d8 \u10d9\u10dd\u10e0\u10dd\u10dc\u10d0 \u10d5\u10d8\u10e0\u10e3\u10e1\u10d8\u10e1 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0 \u10e1\u10d0\u10ee\u10d4\u10da\u10d3\u10d4\u10d1\u10d0, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc\u10d0\u10ea \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e1\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8 \u10d2\u10d0\u10d3\u10d0\u10d5\u10d0\u10d3\u10d4\u10d1\u10d0 \u10db\u10dd\u10e3\u10ec\u10d8\u10d0\u10d7. [ 13 ]<\/p>\n\n\n\n

\u10d3\u10d0\u10e1\u10d9\u10d5\u10dc\u10d0<\/strong><\/strong><\/p>\n\n\n\n

\u10d0\u10db\u10e0\u10d8\u10d2\u10d0\u10d3, XX  \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d4\u10e8\u10d8, \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d0\u10e0\u10dc\u10d0\u10ee\u10e3\u10da\u10d8 \u10e2\u10d4\u10db\u10de\u10d4\u10d1\u10d8\u10e1 \u10d9\u10d5\u10d0\u10da\u10d3\u10d0\u10d9\u10d5\u10d0\u10da, \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d0 \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10d0\u10dc\u10d0\u10d3 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d8\u10e0\u10d4\u10d1\u10d0\u10d3\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4.  \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10db \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d6\u10d4\u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0 \u10d8\u10e5\u10dd\u10dc\u10d8\u10d0 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10d6\u10d4. \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3, \u10e3\u10d0\u10db\u10e0\u10d0\u10d5\u10d8 \u10d3\u10d0\u10d1\u10e0\u10d9\u10dd\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10e3\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d4\u10da\u10d8 \u10e1\u10d0\u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10dd \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1\u10d0, \u10d5\u10e4\u10d8\u10e5\u10e0\u10dd\u10d1, \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10db\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10db\u10d0\u10d8\u10dc\u10ea \u10e8\u10d4\u10eb\u10da\u10d4\u10e1 \u10d0\u10ee\u10d0\u10da \u10e0\u10d4\u10d0\u10da\u10dd\u10d1\u10d0\u10e1 \u10db\u10dd\u10e0\u10d2\u10d4\u10d1\u10dd\u10d3\u10dc\u10d4\u10dc. \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e8\u10d8 \u10e1\u10d0\u10d6\u10dd\u10d2\u10d0\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10d8 \u10e8\u10d4\u10e6\u10d0\u10d5\u10d0\u10d7\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10ea\u10d4\u10db\u10d8\u10e1 \u10de\u10d0\u10e0\u10d0\u10da\u10d4\u10da\u10e3\u10e0\u10d0\u10d3, \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10db \u10db\u10dd\u10d0\u10ee\u10d4\u10e0\u10ee\u10d0, \u10d3\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8\u10da\u10d8\u10e7\u10dd \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10d0\u10dc \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d0\u10d3.<\/p>\n\n\n\n

\u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10da\u10d8\u10e2\u10d4\u10e0\u10d0\u10e2\u10e3\u10e0\u10d0:<\/strong><\/strong><\/p>\n\n\n\n

  1. https:\/\/www.lhrtimes.com\/2017\/03\/02\/economic-growth-banking-aspects\/<\/a><\/li>
  2. *\u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d3\u10d0 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d0.pdf (tsu.ge)<\/a><\/li>
  3. https:\/\/www.academia.edu\/34782759\/%E1%83%A4%E1%83%A3%E1%83%9A%E1%83%98_%E1%83%99%E1%83%A0%E1%83%94%E1%83%93%E1%83%98%E1%83%A2%E1%83%98_%E1%83%91%E1%83%90%E1%83%9C%E1%83%99%E1%83%94%E1%83%91%E1%83%98_%E1%83%98%E1%83%9A%E1%83%A3%E1%83%96%E1%83%98%E1%83%90_%E1%83%93%E1%83%90_%E1%83%A0%E1%83%94%E1%83%90%E1%83%9A%E1%83%9D%E1%83%91%E1%83%90_pdf<\/a><\/li>
  4. https:\/\/forbes.ge\/rogor-vithardeba-qarthuli\/<\/a><\/li>
  5. \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d5\u10d8\u10d7\u10d0\u10e0\u10d3\u10d4\u10d1\u10d0 \u10e5\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0 (forbes.ge)<\/a><\/li>
  6. My 50 Favorite Quotes About Banking | The Motley Fool<\/a><\/li>
  7. \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e0\u10dd\u10da\u10d8 \u10d9\u10dd\u10e0\u10dd\u10dc\u10d0\u10d5\u10d8\u10e0\u10e3\u10e1\u10d7\u10d0\u10dc \u10d1\u10e0\u10eb\u10dd\u10da\u10d0\u10e8\u10d8 (kapitali.ge)<\/a><\/li>
  8. \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e8\u10d8 \u10e3\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8 \u10db\u10ea\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 | BM.GE<\/a><\/li>
  9. \u10db\u10ea\u10d8\u10e0\u10d4 \u10d3\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8 \u10d3\u10d0 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d0 – \u10da\u10e3\u10d9\u10d0 \u10db\u10d8\u10db\u10d8\u10dc\u10dd\u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10d1\u10da\u10dd\u10d2\u10d8 | BM.GE<\/a><\/li>
  10. National Bank Of Georgia (nbg.gov.ge<\/a><\/li>
  11. National Bank Of Georgia (nbg.gov.ge)<\/a><\/li>
  12. 2021q2_aprilgeo.pdf (nbg.gov.ge)<\/a><\/li><\/ol>\n","protected":false},"excerpt":{"rendered":"

    \u10d0\u10d5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e1\u10e2\u10d8\u10da\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0 \u10db\u10d0\u10e0\u10d8\u10d0\u10db \u10dc\u10d0\u10d3\u10d8\u10e0\u10d0\u10e8\u10d5\u10d8\u10da\u10d8 \u10d8\u10d5\u10d0\u10dc\u10d4 \u10ef\u10d0\u10d5\u10d0\u10ee\u10d8\u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d8\u10e1\u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e4\u10d0\u10d9\u10e3\u10da\u10e2\u10d4\u10e2\u10d8\u10e1 I \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8mariami.nadirashvili202@eab.tsu.ge \u10d0\u10dc\u10dd\u10e2\u10d0\u10ea\u10d8\u10d0  \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10e1<\/p>\n","protected":false},"author":7,"featured_media":13806,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[120,13],"tags":[],"yoast_head":"\n\u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e0\u10dd\u10da\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8 - 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