{"id":1613,"date":"2024-03-25T21:04:13","date_gmt":"2024-03-25T21:04:13","guid":{"rendered":"https:\/\/www.legaltobusiness.com\/?page_id=1613"},"modified":"2025-08-12T23:44:56","modified_gmt":"2025-08-12T20:44:56","slug":"banci-fintech","status":"publish","type":"page","link":"https:\/\/www.legaltobusiness.com\/ar\/banci-fintech\/","title":{"rendered":"\u0627\u0644\u0628\u0646\u0648\u0643 | \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1613\" class=\"elementor elementor-1613\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fb98598 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb98598\" data-element_type=\"section\" 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class=\"elementor-element elementor-element-79dd1d9 elementor-widget elementor-widget-text-editor\" data-id=\"79dd1d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor 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\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0631\u0648\u0645\u0627\u0646\u064a \u0639\u0636\u0648\u064b\u0627 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629 (<strong><strong style=\"color: #1cbbb4\">SEBC<\/strong><\/strong>)\u060c \u0648\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u060c \u0648\u0639\u0636\u0648 \u0627\u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0627\u0645 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (<strong><strong style=\"color: #1cbbb4\">BC<\/strong><\/strong>) .<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b91cce6 elementor-widget 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\u0627\u0644\u062c\u064a\u062f \u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u061b<\/li>\n \t<li>\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0639\u062f\u0646\u064a\u0629 \u0643\u0648\u0633\u064a\u0644\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0644\u0644\u062f\u0641\u0639 \u0639\u0644\u0649 \u0623\u0631\u0627\u0636\u064a \u0631\u0648\u0645\u0627\u0646\u064a\u0627\u061b<\/li>\n \t<li>\u0625\u0646\u0634\u0627\u0621 \u0646\u0638\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u061b<\/li>\n \t<li>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0631\u0648\u0645\u0627\u0646\u064a\u0627.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12e312c elementor-widget elementor-widget-text-editor\" data-id=\"12e312c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u064a\u062a\u0645\u062a\u0639 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0628\u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u062d\u0635\u0631\u064a \u0644\u0644\u062a\u0631\u062e\u064a\u0635 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0641\u064a \u0627\u0644\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0648\u0647\u0648 \u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0632\u064a \u0639\u0644\u0649 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0645\u0646 \u0623\u062c\u0644 \u0636\u0645\u0627\u0646 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0648\u0642\u062f\u0631\u062a\u0647 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631.<\/p><p>\u0645\u0646\u0630 \u062f\u064a\u0633\u0645\u0628\u0631 2015\u060c \u0623\u0635\u0628\u062d \u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0648\u0637\u0646\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u0647\u0648 \u0647\u064a\u0626\u0629 \u0627\u0644\u062d\u0644 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a.<\/p><p class=\" translation-block\">\u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 (<strong><strong style=\"color: #1cbbb4\">EBA<\/strong><\/strong>) \u0647\u064a \u0647\u064a\u0626\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u062a\u0627\u0628\u0639\u0629 \u0644\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0647\u062f\u0641\u0647\u0627 \u0636\u0645\u0627\u0646 \u0645\u0633\u062a\u0648\u0649 \u0641\u0639\u0627\u0644 \u0648\u0645\u062a\u0633\u0642 \u0645\u0646 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0627\u0644\u062a\u062d\u0648\u0637\u064a \u0639\u0628\u0631 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0641\u064a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a. \u0648\u062a\u062a\u0645\u062b\u0644 \u0623\u0647\u062f\u0627\u0641\u0647\u0627 \u0627\u0644\u0639\u0627\u0645\u0629 \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u0646\u0632\u0627\u0647\u0629 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0633\u0644\u064a\u0645 \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a.<\/p><p class=\" translation-block\">\u062a\u0639\u062f EBA \u062c\u0632\u0621\u064b\u0627 \u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u064a\u0646 (<strong><strong style=\"color: #1cbbb4\">SESF<\/strong><\/strong>)\u060c \u0648\u064a\u062a\u0643\u0648\u0646 \u0645\u0646 \u062b\u0644\u0627\u062b \u0633\u0644\u0637\u0627\u062a \u0625\u0634\u0631\u0627\u0641\u064a\u0629: \u0647\u064a\u0626\u0629 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0627\u0644\u0647\u064a\u0626\u0629 (<strong><strong style=\"color: #1cbbb4\">ESMA<\/strong><\/strong>)\u060c \u0648\u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 (EBA) \u0648\u0627\u0644\u0647\u064a\u0626\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0647\u0646\u064a \u0648\u0627\u0644\u0645\u0639\u0627\u0634\u0627\u062a \u0627\u0644\u062a\u0642\u0627\u0639\u062f\u064a\u0629 (<strong><strong>EIOPA<\/strong><\/strong>). \u0648\u064a\u062a\u0636\u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0644\u062c\u0646\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0629 (<strong><strong style=\"color: #1cbbb4\">ESRB<\/strong><\/strong>)\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0644\u062c\u0646\u0629 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0644\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0648\u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629.<\/p><p>\u0648\u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 \u064a\u0646\u0627\u064a\u0631 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2023\u060c \u0633\u062c\u0644 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u062c\u0627\u0631\u064a \u0644\u0645\u064a\u0632\u0627\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u062c\u0632\u0627 \u0642\u062f\u0631\u0647 22,694 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648\u060c \u0645\u0642\u0627\u0628\u0644 26,040 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 \u064a\u0646\u0627\u064a\u0631 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2022. \u0648\u0641\u064a \u0647\u064a\u0643\u0644\u0647\u060c \u0633\u062c\u0644 \u0645\u064a\u0632\u0627\u0646 \u0627\u0644\u0633\u0644\u0639 \u0639\u062c\u0632\u0627 \u0623\u0642\u0644 \u0628\u0646\u0633\u0628\u0629 \u0648\u0633\u062c\u0644 \u0645\u064a\u0632\u0627\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0641\u0627\u0626\u0636\u0627\u064b \u0623\u0643\u0628\u0631 \u0628\u0646\u062d\u0648 2,990 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648\u060c \u0648\u0633\u062c\u0644 \u0645\u064a\u0632\u0627\u0646 \u0627\u0644\u062f\u062e\u0648\u0644 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0639\u062c\u0632\u0627\u064b \u0623\u0642\u0644 \u0628\u0646\u062d\u0648 9 \u0645\u0644\u0627\u064a\u064a\u0646 \u064a\u0648\u0631\u0648\u060c \u0648\u0633\u062c\u0644 \u0645\u064a\u0632\u0627\u0646 \u0627\u0644\u062f\u062e\u0648\u0644 \u0627\u0644\u062b\u0627\u0646\u0648\u064a\u0629 \u0641\u0627\u0626\u0636\u0627\u064b \u0623\u0643\u0628\u0631 \u0628\u0646\u062d\u0648 143 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7639c4 elementor-widget elementor-widget-image\" data-id=\"e7639c4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 07-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"284\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-1024x364.png\" class=\"attachment-large size-large wp-image-1621\" alt=\"Banc\u0103\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-1024x364.png 1024w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-300x107.png 300w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-768x273.png 768w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci-18x6.png 18w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/03\/banci.png 1234w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01451ab elementor-widget elementor-widget-text-editor\" data-id=\"01451ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0628\u0644\u063a \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u063a\u064a\u0631 \u0627\u0644\u0645\u0642\u064a\u0645\u064a\u0646 <\/strong><\/strong>\u0641\u064a \u0631\u0648\u0645\u0627\u0646\u064a\u0627 6.587 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 (\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 10.039 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 \u064a\u0646\u0627\u064a\u0631 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2022)\u060c \u0645\u0646\u0647\u0627 \u0625\u062c\u0645\u0627\u0644\u064a \u0645\u0634\u0627\u0631\u0643\u0627\u062a \u0627\u0644\u0623\u0633\u0647\u0645 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0635\u0627\u0641\u064a \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0645\u0639\u0627\u062f \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0647\u0627 \u0627\u0644\u0645\u0642\u062f\u0631\u0629) \u0628\u0642\u064a\u0645\u0629 \u0635\u0627\u0641\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 6.548 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648\u060c \u0648\u0633\u062c\u0644\u062a \u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u064a\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u0642\u064a\u0645\u0629 \u0635\u0627\u0641\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 39 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-440e4ab elementor-widget elementor-widget-text-editor\" data-id=\"440e4ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\u0648\u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0628\u064a\u0646 \u064a\u0646\u0627\u064a\u0631 \u0648\u062f\u064a\u0633\u0645\u0628\u0631 2023\u060c \u0627\u0631\u062a\u0641\u0639 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a \u0628\u0645\u0642\u062f\u0627\u0631 24.926 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648\u060c \u0644\u064a\u0635\u0644 \u0625\u0644\u0649 168.812 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648. \u0641\u064a \u0627\u0644\u0647\u064a\u0643\u0644:\n<ul>\n \t<li>\u0648\u0628\u0644\u063a \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 121,162 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023 (71,8 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a)\u060c \u0645\u0631\u062a\u0641\u0639\u0627 \u0628\u0646\u0633\u0628\u0629 22,8 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0645\u0639 31 \u062f\u064a\u0633\u0645\u0628\u0631 2022\u061b<\/li>\n \t<li>\u0648\u0633\u062c\u0644 \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a \u0642\u0635\u064a\u0631 \u0627\u0644\u0623\u062c\u0644 \u0628\u062a\u0627\u0631\u064a\u062e 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023 \u0645\u0633\u062a\u0648\u0649 47,650 \u0645\u0644\u064a\u0648\u0646 \u0623\u0648\u0631\u0648 (28,2% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a)\u060c \u0645\u0631\u062a\u0641\u0639\u0627 \u0628\u0646\u0633\u0628\u0629 5,3% \u0645\u0642\u0627\u0631\u0646\u0629 \u0645\u0639 31 \u062f\u064a\u0633\u0645\u0628\u0631 2022.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3670d3c elementor-widget elementor-widget-text-editor\" data-id=\"3670d3c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0628\u0644\u063a \u0645\u0639\u062f\u0644 \u062e\u062f\u0645\u0629 \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u062c\u0644 <\/strong><\/strong>17.4 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 \u064a\u0646\u0627\u064a\u0631 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2023\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 17.9 \u0628\u0627\u0644\u0645\u0627\u0626\u0629 \u0641\u064a \u0639\u0627\u0645 2022. \u0648\u0628\u0644\u063a\u062a \u062f\u0631\u062c\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0648\u0627\u0631\u062f\u0627\u062a \u0645\u0646 \u0627\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0643\u0645\u0627 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023 5.6 \u0634\u0647\u0631 \u0645\u0642\u0627\u0628\u0644 4.4 \u0634\u0647\u0631 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2022.<\/p><p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u062f\u0631\u062c\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644<\/strong><\/strong>\u060c \u0645\u062d\u0633\u0648\u0628\u0629 \u0628\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629\u060c \u0645\u0639 \u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0627\u062a \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0644\u062f\u0649 \u0627\u0644\u062c\u0647\u0627\u0632 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0641\u064a \u062f\u064a\u0633\u0645\u0628\u0631 \u0648\u0628\u0644\u063a\u062a \u0627\u0644\u0646\u0633\u0628\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2023 97.4 \u0641\u064a \u0627\u0644\u0645\u0627\u0626\u0629\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 82.4 \u0641\u064a \u0627\u0644\u0645\u0627\u0626\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2022.<\/p><p class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0645\u0643\u062a\u0628 \u0625\u0626\u062a\u0645\u0627\u0646 <\/strong><\/strong>\u0647\u064a \u0645\u0624\u0633\u0633\u0629 \u062a\u0636\u0645 \u0645\u0633\u0627\u0647\u0645\u064a\u0646 20 \u0628\u0646\u0643\u064b\u0627 \u062a\u0642\u0648\u0645 \u0628\u062c\u0645\u0639 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0646 \u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0628\u0646\u0648\u0643 \u0645\u0646 \u0623\u062c\u0644 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0633\u062c\u0644 \u0648\u0627\u0636\u062d \u062d\u0648\u0644 \u0643\u064a\u0641\u064a\u0629 \u062f\u0641\u0639 \u0627\u0644\u0623\u0642\u0633\u0627\u0637\u060c \u0648\u0645\u0646 \u064a\u062f\u0641\u0639 \u0648\u0645\u0646 \u0644\u0627 \u064a\u062f\u0641\u0639.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2447b3f elementor-widget elementor-widget-text-editor\" data-id=\"2447b3f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\u0633\u064a\u0646\u062a\u0647\u064a \u0628\u0643 \u0627\u0644\u0623\u0645\u0631 \u0639\u0644\u0649 \u0642\u0627\u0626\u0645\u0629 \u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0625\u0630\u0627:\n<ul>\n \t<li>\u062a\u0623\u062e\u0631\u062a \u0641\u064a \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0633\u0637 \u0644\u0623\u0643\u062b\u0631 \u0645\u0646 30 \u064a\u0648\u0645\u064b\u0627 \u062a\u0642\u0648\u064a\u0645\u064a\u064b\u0627<\/li>\n \t<li>\u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0623\u0643\u0628\u0631 \u0645\u0646 10 \u0644\u064a\u0648<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-492c673 elementor-widget elementor-widget-text-editor\" data-id=\"492c673\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p class=\" translation-block\">\u0633\u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0625\u0639\u0644\u0627\u0645\u0643<strong> <strong style=\"color: #1cbbb4\">\u0642\u0628\u0644 15 \u064a\u0648\u0645\u064b\u0627<\/strong><\/strong> \u0628\u062a\u0623\u062e\u0631\u0643 \u0641\u064a \u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0633\u0637 \u0648\u0623\u0646\u0647 \u0633\u064a\u0646\u0642\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0625\u0644\u0649 \u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p><p>\u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062a\u062c\u0646\u0628 \u0627\u0644\u0638\u0647\u0648\u0631 \u0628\u0633\u062c\u0644 \u0633\u0644\u0628\u064a\u060c \u0641\u064a\u0645\u0643\u0646\u0643 \u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628 \u0644\u0625\u0632\u0627\u0644\u062a\u0643 \u0645\u0646 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0633\u0648\u062f\u0627\u0621 \u0648\u0647\u0648 \u0645\u062c\u0627\u0646\u064a \u062a\u0645\u0627\u0645\u064b\u0627. \u0634\u0631\u0637 \u0623\u0646 \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0625\u0628\u0644\u0627\u063a\u0643 \u0625\u0644\u0649 \u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0647\u0648 \u0623\u0646 \u064a\u062a\u0645 \u0625\u062e\u0637\u0627\u0631\u0643. \u0644\u0630\u0644\u0643\u060c \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u062f\u064a\u0643 \u0623\u064a \u0645\u0641\u0627\u062c\u0622\u062a \u0648\u062a\u0643\u062a\u0634\u0641 \u0623\u0646\u0643 \u0645\u062f\u0631\u062c \u0641\u064a \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0648\u0644\u064a\u0633 \u0644\u062f\u064a\u0643 \u0623\u064a \u0641\u0643\u0631\u0629.<\/p><p>\u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0623\u0646 \u062a\u0637\u0644\u0628 \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0628\u0646\u0643 \u0645\u0646 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0644\u0623\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u064a\u0633 \u0633\u0648\u0649 \u0642\u0627\u0639\u062f\u0629 \u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0648\u0633\u064a\u0637 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0643. \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0628\u0627\u0634\u0631\u0629.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8e96e6 elementor-widget elementor-widget-text-editor\" data-id=\"e8e96e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\u0642\u062f \u062a\u0646\u0634\u0623 \u0623\u064a\u0636\u064b\u0627 \u0645\u0648\u0627\u0642\u0641 \u063a\u064a\u0631 \u0645\u062a\u0648\u0642\u0639\u0629<strong> <strong style=\"color: #1cbbb4;\">\u0637\u0644\u0628 \u0627\u0644\u062d\u0630\u0641 \u0645\u0646 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a <\/strong><\/strong>\u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646:\n<ul>\n \t<li>\u0631\u0628\u0645\u0627 \u062a\u0633\u0644\u0644 \u062e\u0637\u0623 \u0645\u0627\u062f\u064a \u0648\u064a\u0645\u0643\u0646\u0643 \u0637\u0644\u0628 \u0627\u0644\u062d\u0630\u0641 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0623\u0633\u0627\u0633. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0623\u0631\u0633\u0644 \u0644\u0643 \u0627\u0644\u0628\u0646\u0643 \u0631\u0642\u0645 CNP \u062e\u0627\u0637\u0626\u064b\u0627.<\/li>\n \t<li>\u0625\u0630\u0627 \u0641\u0634\u0644 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0630\u064a \u0623\u0628\u0644\u063a \u0639\u0646\u0643 \u0641\u064a \u0625\u062e\u0637\u0627\u0631\u0643 \u0642\u0628\u0644 15 \u064a\u0648\u0645\u064b\u0627 \u062a\u0642\u0648\u064a\u0645\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644.<\/li>\n \t<li>\u0647\u0646\u0627\u0643 \u062d\u0627\u0644\u0627\u062a \u0642\u062f \u064a\u0645\u062a\u0646\u0639 \u0641\u064a\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0639\u0646 \u0634\u0637\u0628 \u0627\u0644\u0642\u0631\u0636\u060c \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0645\u0631\u0648\u0631 \u0645\u062f\u0629 4 \u0633\u0646\u0648\u0627\u062a \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0636.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-115c494 elementor-widget elementor-widget-text-editor\" data-id=\"115c494\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<strong><strong style=\"color: #1cbbb4;\">\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0631\u0635\u064a\u062f <\/strong><\/strong>\u00a0= \u064a\u062a\u0645 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629 \u0627\u0644\u062a\u064a \u064a\u0642\u0631\u0631 \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633\u0647\u0627 \u0645\u0646\u062d\u0643 \u0627\u0644\u0642\u0631\u0636 \u0628\u0631\u0642\u0645 \u064a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 300 \u0648850\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0633\u0645\u0649 \u062f\u0631\u062c\u0629 FICO. \u0641\u064a \u0627\u0644\u0623\u0633\u0627\u0633\u060c \u0627\u0644\u0646\u062a\u064a\u062c\u0629 \u0647\u064a \u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u0635\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u0644\u062a\u064a \u062a\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u062f\u0629 \u0639\u0648\u0627\u0645\u0644\u060c \u0645\u062b\u0644:\n<ul>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639<\/strong><\/strong>: \u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628\u0647 \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u062f\u0641\u0639 \u062f\u064a\u0648\u0646\u0643 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u062d\u062f\u062f \u0648\u0625\u0630\u0627 \u0643\u0646\u062a \u0645\u062a\u0623\u062e\u0631\u064b\u0627 \u0623\u0648 \u0645\u062a\u0623\u062e\u0631\u064b\u0627\u060c \u0641\u0625\u0646\u0647 \u064a\u062d\u0633\u0628 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0648 \u0643\u0645 \u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u062a\u0623\u062e\u0631\u062a. \u0633\u062c\u0644 \u0627\u0644\u062f\u0641\u0639 \u064a\u0633\u0627\u0648\u064a 35% \u0645\u0646 \u0646\u0642\u0627\u0637 FICO \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0642\u064a\u062f \u0627\u0644\u062a\u0642\u062f\u0645<\/strong><\/strong>: \u0643\u0644\u0645\u0627 \u0632\u0627\u062f \u0639\u062f\u062f \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u062f\u064a\u0643\u060c \u0632\u0627\u062f\u062a \u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0641\u0647\u0627\u0645 \u0627\u0644\u062a\u064a \u0633\u062a\u062b\u064a\u0631\u0647\u0627\u060c \u0643\u0645\u0627 \u0623\u0646 \u062d\u0627\u0644\u0629 \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0645\u0647\u0645\u0629 \u0623\u064a\u0636\u064b\u0627 \u0623\u0648 \u0625\u0630\u0627 \u062a\u0623\u062e\u0631\u062a \u0641\u064a \u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0642\u0633\u0627\u0637. \u0647\u0630\u0627 \u0627\u0644\u0645\u0624\u0634\u0631 \u064a\u0633\u0627\u0648\u064a 30% \u0645\u0646 \u0627\u0644\u062f\u0631\u062c\u0629 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0637\u0648\u0644 \u0627\u0644\u062a\u0627\u0631\u064a\u062e<\/strong><\/strong>: \u0633\u064a\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0642\u062f\u0627\u0631 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0645\u0646\u0642\u0636\u064a \u0645\u0646\u0630 \u062d\u0635\u0648\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0623\u0648\u0644\u060c \u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0632\u0645\u0646\u064a\u0629\u060c \u0645\u0639 \u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u0641\u0631\u0635 \u062d\u0635\u0648\u0644\u0643 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0644\u0623\u0646 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u062d\u062a\u0649 \u0627\u0644\u0622\u0646 \u0644\u0645 \u064a\u062c\u0628\u0631\u0643 \u0639\u0644\u0649 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636. \u0647\u0630\u0627 \u0627\u0644\u0639\u0627\u0645\u0644 \u064a\u0633\u0627\u0648\u064a 15% \u0645\u0646 \u0646\u0642\u0627\u0637 FICO \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u062c\u062f\u064a\u062f\u0629<\/strong><\/strong>: \u062a\u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u062a\u064a \u062d\u0635\u0644\u062a \u0639\u0644\u064a\u0647\u0627 \u0645\u0624\u062e\u0631\u064b\u0627\u060c \u0625\u0630\u0627 \u0642\u0645\u062a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062e\u0645\u0633 \u0627\u0644\u0645\u0627\u0636\u064a\u0629 \u0628\u0641\u062a\u062d \u0642\u0631\u0636\u064a\u0646 \u0634\u062e\u0635\u064a\u064a\u0646 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u060c \u0648\u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u0646\u0648\u0627\u062c\u0647 \u0645\u0634\u0643\u0644\u0629\u060c \u0645\u0639 \u0627\u0644\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0623\u0646\u0643 \u062a\u0633\u0627\u0647\u0645 \u0628\u0646\u0633\u0628\u0629 40\u066a \u0645\u0646 \u062f\u062e\u0644\u0643 \u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u0624\u0643\u062f \u0623\u0646\u0647 \u0644\u064a\u0633 \u0644\u062f\u064a\u0643 \u0637\u0631\u064a\u0642\u0629 \u0644\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0642\u0631\u0636 \u062c\u062f\u064a\u062f. \u062a\u0628\u0644\u063a \u0642\u064a\u0645\u0629 \u0647\u0630\u0627 \u0627\u0644\u0645\u0624\u0634\u0631 10\u066a \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0646\u0642\u0627\u0637 FICO.<\/li>\n \t<li class=\" translation-block\"><strong><strong style=\"color: #1cbbb4\">\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636<\/strong><\/strong>: \u0633\u062a\u062a\u0623\u062b\u0631 \u0627\u0644\u0646\u062a\u064a\u062c\u0629 \u0623\u064a\u0636\u064b\u0627 \u0628\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u062a\u064a \u062d\u0635\u0644\u062a \u0639\u0644\u064a\u0647\u0627 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0648\u0642\u062a (\u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u060c \u0642\u0631\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0642\u0631\u0636 \u0627\u0644\u0633\u064a\u0627\u0631\u0629\u060c \u0627\u0644\u062e). \u064a\u0636\u064a\u0641 \u0647\u0630\u0627 \u0627\u0644\u0639\u0627\u0645\u0644 \u0625\u062c\u0645\u0627\u0644\u064a \u0646\u0642\u0627\u0637 FICO \u0648\u064a\u0645\u062b\u0644 \u0622\u062e\u0631 10\u066a.<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ce56a65 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"ce56a65\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8f9b6e8 elementor-widget elementor-widget-template\" data-id=\"8f9b6e8\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"537\" class=\"elementor elementor-537\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7c1293ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c1293ef\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e1a959\" data-id=\"1e1a959\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4384bc83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4384bc83\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-622f0363\" data-id=\"622f0363\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63de2ff7 elementor-widget elementor-widget-heading\" data-id=\"63de2ff7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u0635\u0646\u0627\u0639\u0629<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16dd4857 elementor-widget-divider--view-line_icon elementor-view-default elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"16dd4857\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon elementor-divider__element\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 252.94 133.88\"><defs><style>.cls-1{fill:#00b9b0;}<\/style><\/defs><g id=\"Layer_2\" data-name=\"Layer 2\"><g id=\"Layer_1-2\" data-name=\"Layer 1\"><circle class=\"cls-1\" cx=\"23.52\" cy=\"9.12\" r=\"9.12\" transform=\"translate(-1.16 3.89) rotate(-9.22)\"><\/circle><path class=\"cls-1\" d=\"M165.55,107.34c-9.72-13.13-16.77-21.8-21.15-23.91q14.67-1.79,22.23-9a23.4,23.4,0,0,0,7.57-17.53c0-5.87-1.94-9.85-5.79-14.07a32.6,32.6,0,0,0-15.17-9.11C148.54,32.3,142.78,32,136,32q11.61,1.23,15.81,6.25c3.68,4.42,5.52,12.53,5.52,19.89a30.65,30.65,0,0,1-1.62,10.64c-1.08,2.88-2.56,6.27-4.44,8S146.9,81,143.87,81.9a44.15,44.15,0,0,1-10.73,1.71c-2.15.11-4.25.2-6.32.27a9.35,9.35,0,0,1,4.78,2c1.34,1,3.77,3.6,7.32,7.94s7,10,10.27,14.68c10.3,14.82,17.93,21.87,22.92,25.37h28.18v-.39a28.11,28.11,0,0,1-16.06-5.24Q177.44,123.32,165.55,107.34Z\"><\/path><path class=\"cls-1\" d=\"M34.78,130.73a7.63,7.63,0,0,1-3.28-5.28q-.7-3.58-.7-16.72V88.49H62.53V75.26H30.8V57.41q0-12.51.7-16.13a6.91,6.91,0,0,1,3-5,20.61,20.61,0,0,1,10.31-2.39h2.77v-.45H0v.45H1.55a21.2,21.2,0,0,1,10.11,2.28,6.67,6.67,0,0,1,3.2,4.73q.81,3.49.81,16.52v51.32q0,12.36-.58,16.18A8.11,8.11,0,0,1,12,130.58a16.14,16.14,0,0,1-9.56,2.85H0v.45H47.62v-.45H44A16.42,16.42,0,0,1,34.78,130.73Z\"><\/path><path class=\"cls-1\" d=\"M238.07,40.89a6.71,6.71,0,0,1,3.21-4.73,21.17,21.17,0,0,1,10.11-2.28h1.55v-.45H205.32v.45h2.77a20.61,20.61,0,0,1,10.31,2.39q2.35,1.4,3,5t.7,16.13V76.73H185V90h37.13v18.78q0,13.13-.7,16.72a7.7,7.7,0,0,1-3.28,5.28,16.42,16.42,0,0,1-9.22,2.7h-3.62v.45h47.62v-.45h-2.4a16.18,16.18,0,0,1-9.57-2.85,8.18,8.18,0,0,1-3.13-5.67q-.57-3.82-.57-16.18V57.41Q237.27,44.38,238.07,40.89Z\"><\/path><path class=\"cls-1\" d=\"M113.93,44.77l-6.22-14.9h-3L69.73,113l-4.79,12a14.45,14.45,0,0,1-4.36,5.84c-1.82,1.41-4.56,2.3-8.21,2.65v.39H93.5v-.39c-5,0-8.45-.36-10.23-1.1A4.36,4.36,0,0,1,80.61,128c0-1.14,1.19-5.57,3.56-11.17L95.86,88.49h20.59V75.26H101.33Z\"><\/path><\/g><\/g><\/svg><\/div>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7327a1ee elementor-widget elementor-widget-nav-menu\" data-id=\"7327a1ee\" data-element_type=\"widget\" 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Finan\u021bare. UE. Uniune European\u0103\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10.png 347w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2024\/02\/a10-300x200.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.legaltobusiness.com\/ar\/acces-la-finantare\/\" >\n\t\t\t\t\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t29 \u0623\u0643\u062a\u0648\u0628\u0631 2014\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-945 post type-post status-publish format-standard has-post-thumbnail hentry category-agricultura category-arta-cultura category-asigurari category-banci category-comert category-compliance category-comunicatii-it category-contracte category-corporatii-societati category-date-personale category-divertisment-media category-dizolvare-lichidare category-due-diligence category-educatie category-energie category-fiscal category-fuziuni-achizitii category-imobile category-jocuri-de-noroc category-litigii-arbitraj-mediere category-mediul-inconjurator category-munca-protectie-sociala category-ong category-private-equity-venture-capital category-pro-bono category-proprietate-intelectuala category-sanatate-farmacie category-transporturi category-turism tag-societati\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/www.legaltobusiness.com\/ar\/sediul-social-al-societatilor\/\" tabindex=\"-1\" >\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"347\" height=\"231\" src=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15.png\" class=\"attachment-medium_large size-medium_large wp-image-947\" alt=\"Sediul social al societ\u0103\u021bilor. Business\" srcset=\"https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15.png 347w, https:\/\/www.legaltobusiness.com\/wp-content\/uploads\/2014\/09\/a15-300x200.png 300w\" sizes=\"(max-width: 347px) 100vw, 347px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/www.legaltobusiness.com\/ar\/sediul-social-al-societatilor\/\" >\n\t\t\t\t\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0645\u0633\u062c\u0644 \u0644\u0644\u0634\u0631\u0643\u0627\u062a\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t1 \u0633\u0628\u062a\u0645\u0628\u0631 2014\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Industrii Banca Na\u0163ional\u0103 a Rom\u00e2niei este banca central\u0103 a Rom\u00e2niei. Este o institu\u0163ie public\u0103 independent\u0103, cu sediul central \u00een municipiul Bucure\u015fti. \u00cencep\u00e2nd cu 1 ianuarie<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1613","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>B\u0103nci | Fintech - Legal to Business<\/title>\n<meta name=\"description\" content=\"Banca Na\u0163ional\u0103 a Rom\u00e2niei este banca central\u0103 a Rom\u00e2niei.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legaltobusiness.com\/ar\/banci-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u0103nci | Fintech - 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