{"id":131612,"date":"2018-10-05T00:53:56","date_gmt":"2018-10-04T21:53:56","guid":{"rendered":"https:\/\/www.mohamah.net\/law\/?p=131612"},"modified":"2018-10-05T01:42:36","modified_gmt":"2018-10-04T22:42:36","slug":"%d9%85%d9%82%d8%a7%d9%84%d8%a7%d8%aa-%d9%87%d8%a7%d9%85%d8%a9-%d8%ac%d8%b1%d9%8a%d9%85%d8%a9-%d8%ba%d8%b3%d9%84-%d8%a7%d9%84%d8%a3%d9%85%d9%88%d8%a7%d9%84-%d9%88%d8%b9%d9%82%d9%88%d8%a8%d8%aa%d9%87","status":"publish","type":"post","link":"https:\/\/www.mohamah.net\/law\/%d9%85%d9%82%d8%a7%d9%84%d8%a7%d8%aa-%d9%87%d8%a7%d9%85%d8%a9-%d8%ac%d8%b1%d9%8a%d9%85%d8%a9-%d8%ba%d8%b3%d9%84-%d8%a7%d9%84%d8%a3%d9%85%d9%88%d8%a7%d9%84-%d9%88%d8%b9%d9%82%d9%88%d8%a8%d8%aa%d9%87\/","title":{"rendered":"\u0645\u0642\u0627\u0644\u0627\u062a \u0647\u0627\u0645\u0629 – \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0639\u0642\u0648\u0628\u062a\u0647\u0627 \u0648\u0637\u0631\u0642 \u0645\u0643\u0627\u0641\u062d\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0633\u0639\u0648\u062f\u064a"},"content":{"rendered":"

\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/span><\/p>\n

\u00a0\u062f . \u0639\u0628\u062f \u0627\u0644\u0645\u062d\u0633\u0646 \u0628\u0646 \u0645\u062d\u0645\u062f \u0627\u0644\u0645\u062d\u0631\u062c<\/span>
\n\u0645\u062d\u0627\u0645\u064a \u0648\u0645\u0633\u062a\u0634\u0627\u0631 \u0642\u0627\u0646\u0648\u0646\u064a<\/span>
\nmohsen_mh@<\/span><\/p>\n

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\u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0623\u0648 (\u062a\u0628\u064a\u064a\u0636 \u0627\u0644\u0623\u0645\u0648\u0627\u0644) \u0647\u0648<\/strong><\/span> \u0625\u062c\u0631\u0627\u0621 \u0645\u062c\u0631\u0645 \u064a\u0623\u062a\u064a \u062a\u0628\u0639\u0627\u064b \u0644\u062c\u0631\u064a\u0645\u0629 \u062d\u062f\u062b\u062a \u0648\u0646\u062a\u062c \u0639\u0646\u0647\u0627 \u0645\u0627\u0644 \u063a\u064a\u0631 \u0634\u0631\u0639\u064a \u060c \u0648\u0642\u062f \u0639\u0631\u0641 \u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u062d\u0629\u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0628\u0640 :
\n\u0627\u0631\u062a\u0643\u0627\u0628 \u0623\u064a \u0641\u0639\u0644 \u0623\u0648 \u0627\u0644\u0634\u0631\u0648\u0639 \u0641\u064a\u0647 \u064a\u0642\u0635\u062f \u0645\u0646 \u0648\u0631\u0627\u0626\u0647 \u0625\u062e\u0641\u0627\u0621 \u0623\u0648 \u062a\u0645\u0648\u064a\u0647 \u0623\u0635\u0644 \u062d\u0642\u064a\u0642\u0629 \u0623\u0645\u0648\u0627\u0644 \u0645\u0643\u062a\u0633\u0628\u0629 \u062e\u0644\u0627\u0641\u0627 \u0644\u0644\u0634\u0631\u0639 \u0623\u0648 \u0627\u0644\u0646\u0638\u0627\u0645 \u060c \u0648\u062c\u0639\u0644\u0647\u0627 \u062a\u0628\u062f\u0648 \u0643\u0623\u0646\u0647\u0627 \u0645\u0634\u0631\u0648\u0639\u0629 \u0627\u0644\u0645\u0635\u062f\u0631 .<\/p>\n

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\n\u0648\u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0644\u0627\u062a \u0627\u0644\u0644\u0627\u062d\u0642\u0629 \u0623\u0646 \u0646\u0628\u064a\u0646 \u0639\u062f\u0629 \u0645\u0633\u0627\u0626\u0644 :<\/span>
\n1-<\/span> \u0627\u0644\u062a\u0641\u0631\u064a\u0642 \u0628\u064a\u0646 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0629 \u0648\u062a\u0635\u0646\u064a\u0641\u0647\u0627 \u0648\u0641\u0642 \u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u0645\u062d\u0644\u064a .
\n2-<\/span> \u062a\u0648\u0636\u064a\u062d \u0635\u0648\u0631 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0644\u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0648\u0647\u064a \u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u063a\u0633\u0644 \u0644\u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u060c \u0641\u0627\u0644\u0635\u0648\u0631 \u0645\u062a\u0639\u062f\u062f\u0629 \u060c \u0648\u0647\u0646\u0627\u0643 \u0642\u0635\u0648\u0631 \u0641\u064a \u0627\u0644\u062a\u062d\u0648\u0637 \u0645\u0646\u0647\u0627 .<\/p>\n

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\n4-<\/span> \u0625\u0631\u0634\u0627\u062f \u0627\u0644\u0642\u0627\u0631\u0626 (\u0645\u0645\u0646 \u0644\u0647 \u062a\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0627\u0644\u063a\u064a\u0631) \u0625\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u0645\u0622\u062e\u0630 \u0648\u0627\u0644\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u0627\u0644\u062a\u064a \u0634\u062f\u062f \u0641\u064a\u0647\u0627 \u0627\u0644\u0645\u0646\u0638\u0645 \u0627\u0644\u0633\u0639\u0648\u062f\u064a .
\n5-<\/span> \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0641\u064a \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u0648\u0642\u0641 \u0645\u0646 \u0627\u0644\u0645\u062a\u0647\u0645 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u060c \u0628\u064a\u0646 \u0627\u0644\u0625\u0639\u0630\u0627\u0631 \u0628\u0627\u0644\u062c\u0647\u0644 \u0648\u0623\u0635\u0644 \u0627\u0644\u0628\u0631\u0627\u0621\u0629 .
\n\u0647\u0630\u0647 \u0627\u0644\u0645\u0633\u0627\u0626\u0644 \u0633\u062a\u0623\u062a\u064a \u062a\u0628\u0627\u0639\u0627\u064b \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0642\u0627\u0644\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0645\u0629 – \u0628\u0625\u0630\u0646 \u0627\u0644\u0644\u0647 – \u061b \u0644\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0645\u0648\u0636\u0648\u0639 \u0648\u062a\u0639\u0644\u0642\u0647 \u0628\u0627\u0642\u062a\u0635\u0627\u062f \u0647\u0630\u0627 \u0627\u0644\u0648\u0637\u0646 \u0627\u0644\u063a\u0627\u0644\u064a .
\n\u0648\u0627\u0644\u0644\u0647 \u0627\u0644\u0645\u0648\u0641\u0642<\/p>\n

\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 “\u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629”<\/span>
\n\u0642\u062f\u0645\u062a\u064f \u0628\u064a\u0646 \u064a\u062f\u0643\u0645 \u0627\u0644\u0645\u0642\u0627\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0643\u062a\u0648\u0637\u0626\u0629 \u0644\u0647\u0630\u0627 \u0627\u0644\u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u0645\u0647\u0645 \u060c \u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0633\u0623\u0633\u0644\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u060c \u0641\u0642\u062f \u0627\u062a\u0636\u062d \u0644\u0646\u0627 \u062c\u0645\u064a\u0639\u0627\u064b \u0623\u0646 \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0647\u064a \u062c\u0631\u064a\u0645\u0629 \u0645\u062a\u0648\u0644\u062f\u0629 \u0639\u0646 \u062c\u0631\u064a\u0645\u0629 \u0623\u0635\u0644\u064a\u0629 \u0648\u0642\u0639\u062a \u0648\u0646\u062a\u062c\u062a \u0639\u0646\u0647\u0627 \u0623\u0645\u0648\u0627\u0644 \u0642\u0630\u0631\u0629 Dirty Money \u060c \u0648\u0623\u0630\u0643\u0651\u0631 \u0628\u0627\u0644\u0645\u0627\u062f\u0629 \u0627\u0644\u0631\u0627\u0628\u0639\u0629 \u0645\u0646 \u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u0646\u0635\u0647\u0627:” \u062a\u0639\u062f \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u062c\u0631\u064a\u0645\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0639\u0646 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 …”\u0641\u0644\u0643\u0644 \u062c\u0631\u064a\u0645\u0629 \u0627\u0639\u062a\u0628\u0627\u0631 \u0645\u0633\u062a\u0642\u0644 .<\/p>\n

\u062a\u0635\u0646\u064a\u0641 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0645\u0631\u0651 \u0628\u0645\u0631\u0627\u062d\u0644 \u0645\u062a\u062f\u0631\u062c\u0629 \u0648\u0645\u062e\u062a\u0644\u0641\u0629 \u060c<\/span> \u0628\u062f\u0621\u0627\u064b \u0628\u062c\u0647\u0648\u062f \u0645\u062d\u062f\u0648\u062f\u0629 \u0645\u0646 \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u0643\u0627\u0646 \u062a\u0631\u0643\u064a\u0632\u0647\u0627 \u0645\u0646\u0635\u0628\u0627\u064b \u0639\u0644\u0649 \u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u062a\u0627\u062c\u0631\u0629 \u0628\u0627\u0644\u0645\u062e\u062f\u0631\u0627\u062a \u0648\u0627\u0644\u0645\u0624\u062b\u0631\u0627\u062a \u0627\u0644\u0639\u0642\u0644\u064a\u0629 \u060c \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0648\u062d\u0638 \u0645\u0646 \u0631\u062c\u0627\u0644 \u0625\u0646\u0641\u0627\u0630 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0641\u064a \u0623\u0645\u0631\u064a\u0643\u0627 \u0648\u0623\u0648\u0631\u0648\u0628\u0627 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0645\u062a\u062d\u0635\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0645\u062e\u062f\u0631\u0627\u062a \u062e\u0644\u0627\u0644 \u0627\u0644\u062b\u0645\u0627\u0646\u064a\u0646\u064a\u0627\u062a \u060c \u0648\u0639\u0646\u062f \u0635\u062f\u0648\u0631 \u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0623\u0645\u0645 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0639\u0627\u0645 (1994\u0645) \u0648\u062c\u062f \u0623\u0646 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0645\u0642\u062f\u0631 \u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u063a\u0633\u0644 \u0647\u0630\u0647 \u0647\u0648 ( 500 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 ) !! .<\/p>\n

\u0647\u0630\u0647 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u0645\u062e\u064a\u0641\u0629 \u0623\u0631\u0628\u0643\u062a \u0627\u0644\u0646\u0627\u0635\u062d\u064a\u0646 \u0644\u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a \u062f\u0648\u0644\u0647\u0645<\/span> \u060c \u0641\u062a\u0635\u062f\u0631 \u0627\u0644\u0645\u0648\u0636\u0648\u0639 \u0627\u0647\u062a\u0645\u0627\u0645 \u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u060c \u0648\u0639\u064f\u0642\u062f\u062a \u0645\u0646 \u0623\u062c\u0644\u0647 \u0627\u0644\u0645\u0624\u062a\u0645\u0631\u0627\u062a \u0631\u0641\u064a\u0639\u0629 \u0627\u0644\u062a\u0645\u062b\u064a\u0644 \u060c \u0648\u0623\u064f\u0633\u0633\u062a \u0644\u0645\u0643\u0627\u0641\u062d\u062a\u0647 \u0627\u0644\u0647\u064a\u0626\u0627\u062a \u060c \u0648\u0627\u0644\u062a\u064a \u0645\u0646 \u0623\u0634\u0647\u0631\u0647\u0627 (\u0645\u062c\u0645\u0648\u0639\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0627\u0644\u064a FATF ) \u0648\u0627\u0644\u062a\u064a \u0642\u0631\u0631\u062a \u0628\u0627\u0644\u0625\u062c\u0645\u0627\u0639 \u0641\u064a \u0634\u0647\u0631 \u064a\u0648\u0646\u064a\u0648 \u0645\u0646 \u0639\u0627\u0645 2015\u0645 \u0645\u0646\u062d \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 (\u0645\u0642\u0639\u062f \u0645\u0631\u0627\u0642\u0628) \u062a\u0645\u0647\u064a\u062f\u0627\u064b \u0644\u062d\u0635\u0648\u0644\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u060c \u062a\u0628\u0639 \u0630\u0644\u0643 \u0642\u0631\u0627\u0631 \u0645\u062c\u0644\u0633 \u0627\u0644\u0648\u0632\u0631\u0627\u0621 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0628\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u062f\u0621 \u0628\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0625\u0644\u0649 FATF \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u062a \u0627\u0644\u062f\u0639\u0648\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0628\u0630\u0644\u0643 .<\/p>\n

\u0644\u0642\u062f \u0627\u0646\u062a\u0647\u062c\u062a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644 (\u062d\u0633\u0628 \u0627\u0637\u0644\u0627\u0639\u064a) \u0645\u0646\u0647\u062c\u064a\u0646 \u0639\u0646\u062f \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0648\u062a\u0639\u062f\u0627\u062f\u0647\u0627 \u060c<\/strong><\/span> \u0641\u0645\u0646\u0647\u062c : \u0644\u0645 \u064a\u062d\u0635\u0631\u0647\u0627 \u0648\u064a\u0639\u062f\u062f\u0651\u0647\u0627 \u060c \u0628\u0644 \u0623\u0639\u0637\u0627\u0647\u0627 \u0627\u0644\u0648\u0635\u0641 \u0627\u0644\u0639\u0627\u0645 \u0648\u0647\u0648 (\u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u0645\u062f\u0631\u0651\u0629 \u0644\u0644\u0645\u0627\u0644 ) \u060c \u0648\u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u062b\u0627\u0646\u064a : \u062d\u0635\u0631 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0648\u0639\u062f\u062f\u0647\u0627 \u0628\u0634\u0643\u0644 \u062f\u0642\u064a\u0642 .<\/span><\/strong>
\n\u0648\u0647\u0646\u0627 \u0623\u0639\u0631\u0636 \u0644\u0643\u0645 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u062a\u064a \u0648\u0631\u062f\u062a \u0641\u064a \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u0642\u062f\u064a\u0645\u0629 \u0644\u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 ( \u062a\u062b\u0642\u064a\u0641\u0627\u064b \u0628\u0647\u0627 ) \u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u062c\u062f\u064a\u062f \u0627\u0633\u062a\u0642\u0631 \u0639\u0644\u0649 \u0645\u0646\u0647\u062c \u0639\u062f\u0645 \u0627\u0644\u062d\u0635\u0631 :<\/span><\/strong><\/p>\n

1 \u0640 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629 \u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0623\u0645\u0645 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0627\u062a\u062c\u0627\u0631 \u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0628\u0627\u0644\u0645\u062e\u062f\u0631\u0627\u062a \u0648\u0627\u0644\u0645\u0624\u062b\u0631\u0627\u062a \u0627\u0644\u0639\u0642\u0644\u064a\u0629 \u0644\u0639\u0627\u0645 1988 \u0645 .<\/p>\n

2 \u0640 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a(\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u0627\u0644\u064a\u0631\u0645\u0648)\u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0639\u0628\u0631 \u0627\u0644\u0648\u0637\u0646\u064a\u06292000\u0645 .
\n3\u0640 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0642\u0645\u0639 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628 1999 \u0645 .
\n4 \u0640 \u062a\u0647\u0631\u064a\u0628 \u0627\u0644\u0645\u0633\u0643\u0631\u0627\u062a \u0623\u0648 \u062a\u0635\u0646\u064a\u0639\u0647\u0627 \u0623\u0648 \u0627\u0644\u0645\u062a\u0627\u062c\u0631\u0629 \u0628\u0647\u0627 \u0623\u0648 \u062a\u0631\u0648\u064a\u062c\u0647\u0627 .
\n5\u0640 \u062c\u0631\u0627\u0626\u0645 \u062a\u0632\u064a\u064a\u0641 \u0627\u0644\u0646\u0642\u0648\u062f .
\n6 \u0640 \u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u062a\u0632\u0648\u064a\u0631 .
\n7 \u0640 \u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0631\u0634\u0648\u0629 .
\n8\u0640 \u062a\u0647\u0631\u064a\u0628 \u0627\u0644\u0623\u0633\u0644\u062d\u0629 \u0648\u0627\u0644\u0630\u062e\u0627\u0626\u0631 \u0648\u062a\u0635\u0646\u064a\u0639\u0647\u0627 \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631\u0629 \u0628\u0647\u0627 .
\n9 \u0640 \u0627\u0644\u0642\u0648\u0627\u062f\u0629 \u0623\u0648 \u0625\u0639\u062f\u0627\u062f \u0623\u0645\u0627\u0643\u0646 \u0627\u0644\u062f\u0639\u0627\u0631\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062c\u0646\u0633\u064a (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062c\u0646\u0633\u064a \u0644\u0644\u0623\u0637\u0641\u0627\u0644) .
\n10 \u0640 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0623\u0645\u0645 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0627\u062a\u062c\u0627\u0631 \u0628\u0627\u0644\u0628\u0634\u0631 .
\n11 \u0640 \u0627\u0644\u0642\u0631\u0635\u0646\u0629 .
\n12 \u0640 \u0627\u0644\u0627\u0628\u062a\u0632\u0627\u0632 .
\n13 \u0640 \u0627\u0644\u0627\u062e\u062a\u0637\u0627\u0641 \u0648\u0623\u062e\u0630 \u0627\u0644\u0631\u0647\u0627\u0626\u0646 .
\n14 \u0640 \u0627\u0644\u0642\u062a\u0644 \u0648\u0625\u062d\u062f\u0627\u062b \u0627\u0644\u062c\u0631\u0648\u062d \u0627\u0644\u0628\u062f\u0646\u064a\u0629.
\n15 \u0640 \u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0628\u064a\u0626\u0629 .
\n16 \u0640 \u0627\u0644\u0633\u0644\u0628 \u0623\u0648 \u0627\u0644\u0633\u0637\u0648 \u0627\u0644\u0645\u0633\u0644\u062d .
\n17 \u0640 \u0627\u0644\u0633\u0631\u0642\u0627\u062a \u0648 \u0627\u0644\u0645\u062a\u0627\u062c\u0631\u0629 \u0628\u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0633\u0631\u0648\u0642\u0629 .
\n18 \u0640 \u0627\u0644\u0646\u0635\u0628 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644.
\n19\u0640 \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0633 \u0645\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0639\u0627\u0645\u0629 \u0648\u0627\u0644\u062e\u0627\u0635\u0629 .
\n20 \u0640 \u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0628\u0637\u0631\u064a\u0642\u0629 \u063a\u064a\u0631 \u0646\u0638\u0627\u0645\u064a\u0629 .
\n21 \u0640 \u0645\u0645\u0627\u0631\u0633\u0629 \u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0641\u064a \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062f\u0648\u0646 \u062a\u0631\u062e\u064a\u0635 .<\/p>\n

22 \u0640 \u0645\u0645\u0627\u0631\u0633\u0629 \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u062f\u0648\u0646 \u062a\u0631\u062e\u064a\u0635 .
\n23\u0640 \u062c\u0631\u0627\u0626\u0645 \u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 (\u0643\u0627\u0644\u063a\u0634 \u0628\u0627\u0644\u0623\u0635\u0646\u0627\u0641 \u0648\u0627\u0644\u0623\u0648\u0632\u0627\u0646 \u0648\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0648\u062a\u0642\u0644\u064a\u062f \u0627\u0644\u0633\u0644\u0639 \u060c \u0648\u0627\u0644\u062a\u0633\u062a\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u060c…) .<\/p>\n

24 \u0640 \u0627\u0644\u062a\u0647\u0631\u064a\u0628 \u0627\u0644\u062c\u0645\u0631\u0643\u064a .<\/span>
\n25 \u0640 \u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u062a\u0647\u0631\u0628 \u0627\u0644\u0636\u0631\u064a\u0628\u064a .
\n* \u0648\u0623\u062e\u062a\u0645 \u0627\u0644\u0645\u0642\u0627\u0644 \u0628\u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0646\u0638\u0645 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0639\u0646\u062f \u062a\u0639\u0627\u0645\u0644\u0647 \u0645\u0639 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0644\u0645 \u064a\u0646\u063a\u0644\u0642 \u0639\u0644\u0649 \u0646\u0641\u0633\u0647 \u060c \u0628\u0644 \u0631\u0627\u0639\u0649 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u060c \u0648\u062a\u0646\u0628\u0647 \u0644\u062c\u0647\u0648\u062f \u0627\u0644\u062f\u0648\u0644 \u0630\u0627\u062a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u064a\u0646\u0629 \u060c \u0635\u062d\u0628 \u0647\u0630\u0627 \u062a\u0637\u0648\u0631\u064c \u062a\u0634\u0631\u064a\u0639\u064a \u062e\u0627\u0635 \u062a\u0648\u062c\u0647 \u0639\u0644\u0649 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a (\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u2013 \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u2013\u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629) \u0645\u0645\u0627 \u062d\u062f\u0627 \u0628\u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u0648\u0627\u0644\u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u0644\u0627\u062d\u062a\u0631\u0627\u0645 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u060c \u0645\u0635\u062f\u0627\u0642 \u0630\u0644\u0643 \u0627\u0644\u0639\u0631\u0636 \u0627\u0644\u0645\u0642\u062f\u0645 \u0645\u0646 FATF\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0644\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0644\u0647\u0627 \u0628\u0639\u0636\u0648\u064a\u0629 \u0643\u0627\u0645\u0644\u0629 ..<\/p>\n

\u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/strong><\/span>
\n\u0623\u0644\u0645\u062d\u062a \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0644\u064a\u0646 \u0627\u0644\u0633\u0627\u0628\u0642\u064a\u0646 \u0625\u0644\u0649 \u0645\u0648\u0636\u0648\u0639 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0648\u0625\u0644\u0649 \u0623\u0634\u0647\u0631 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0648\u0644\u062f \u0645\u0646\u0647\u0627 \u0627\u0644\u0645\u062a\u062d\u0635\u0644\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a (\u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644) \u060c \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u062c\u0631\u064a\u0645\u0629 \u0644\u0647\u0627 \u0642\u0631\u0627\u0621\u0629 \u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0645\u062e\u062a\u0644\u0641 \u0641\u064a\u0647\u0627 \u060c \u0641\u0645\u0646 \u0627\u0644\u0628\u0627\u062d\u062b\u064a\u0646 \u0645\u0646 \u064a\u0646\u0633\u0628 \u0628\u062f\u0627\u064a\u0627\u062a\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0635\u064a\u0646\u064a\u064a\u0646 \u0627\u0644\u0645\u062e\u0641\u064a\u0646 \u0644\u0623\u0645\u0648\u0627\u0644\u0647\u0645 \u0639\u0646 \u0633\u0637\u0648\u0629 \u0627\u0644\u0625\u0645\u0628\u0631\u0627\u0637\u0648\u0631\u064a\u0629 \u060c \u0648\u0645\u0646\u0647\u0645 \u0645\u0646 \u064a\u0646\u0633\u0628 \u0627\u0644\u0628\u062f\u0627\u064a\u0627\u062a \u0625\u0644\u0649 \u062a\u062c\u0651\u0627\u0631 \u0627\u0644\u0630\u0647\u0628 \u0627\u0644\u0647\u0646\u0648\u062f \u060c \u0648\u0644\u0627 \u0634\u0643 \u0623\u0646 \u0627\u0644\u0628\u062f\u0627\u064a\u0627\u062a \u0643\u0627\u0646\u062a \u0645\u062a\u0648\u0627\u0636\u0639\u0629\u060c \u0648\u0643\u0627\u0646 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0627\u0644\u0623\u0628\u0631\u0632 \u0641\u064a\u0647\u0627 \u0639\u0644\u0649 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u060c \u062f\u0648\u0646 \u0627\u0644\u062c\u0632\u0645 \u0628\u0648\u062c\u0648\u062f \u0623\u0628\u0639\u0627\u062f \u0625\u062c\u0631\u0627\u0645\u064a\u0629.<\/p>\n

\u0644\u0642\u062f \u0645\u0631 \u0645\u0639\u0646\u0627 \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0648\u062c\u0648\u062f \u0645\u0646\u0647\u062c\u064a\u0646( \u0628\u0627\u0631\u0632\u064a\u0646 )\u0639\u0646\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u060c \u0627\u0644\u062d\u0635\u0631 \u0648\u0639\u062f\u0645 \u0627\u0644\u062d\u0635\u0631 \u060c \u0648\u0644\u0627 \u0634\u0643 \u0623\u0646 \u0647\u0630\u0627 \u064a\u0646\u0633\u062d\u0628 \u0639\u0644\u0649 \u0646\u0638\u0631\u0629 \u0627\u0644\u0645\u0631\u0627\u0642\u0628 \u0639\u0646\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u060c \u0648\u0645\u0645\u0627 \u064a\u062d\u0633\u0646 \u0630\u0643\u0631\u0647 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u0644\u062f\u0648\u0644 \u0639\u0646\u062f \u0633\u0646\u0647\u0627 \u0644\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u060c \u0641\u0645\u0646\u0647\u0627 \u0645\u0646 \u0648\u0636\u0639 \u062d\u062f\u0651\u0627\u064b (\u062a\u0639\u0631\u064a\u0641\u0627\u064b) \u0644\u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u060c \u0648\u0645\u0646\u0647\u0627 \u0645\u0646 \u0633\u0627\u0631 \u0639\u0644\u0649 \u0627\u0644\u0631\u0623\u064a \u0627\u0644\u0630\u064a \u064a\u064f\u0633\u0646\u062f \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0627\u062a \u0644\u0644\u0641\u0642\u0647 \u062f\u0648\u0646 \u0625\u0642\u062d\u0627\u0645\u0647\u0627 \u0641\u064a \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a(\u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0627\u0644\u062c\u062f\u064a\u062f \u0644\u0645 \u064a\u0639\u0631\u0641 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u062e\u0644\u0627\u0641 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0633\u0627\u0628\u0642) \u060c \u0643\u0645\u0627 \u0623\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0645\u0631 \u0645\u0647\u0645 \u0648\u0645\u0644\u0627\u062d\u0638 \u060c \u0623\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0627\u062a \u062e\u0644\u0637\u062a \u0628\u064a\u0646 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0648\u0627\u0644\u0633\u0644\u0648\u0643 \u060c \u0648\u0623\u062e\u0631\u0649 \u062e\u0644\u0637\u062a \u0628\u064a\u0646 \u0627\u0644\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0644\u0644\u062c\u0631\u064a\u0645\u0629 \u0648\u0627\u0644\u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0644\u0647\u0627 .<\/p>\n

\u0648\u0642\u062f \u0642\u0644\u062a\u064f \u0641\u064a \u063a\u064a\u0631 \u0645\u0642\u0627\u0644 \u0623\u0646 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0646\u0634\u0648\u062f\u0629 \u0645\u0646 \u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u0642\u0627\u0644\u0627\u062a \u062d\u064a\u0627\u0632\u0629 \u0645\u0641\u0627\u062a\u064a\u062d \u0644\u0647\u0630\u0647 \u0627\u0644\u0645\u0648\u0636\u0648\u0639\u0627\u062a \u0644\u0627 \u0623\u0646 \u064a\u062a\u0636\u0644\u0639 \u0627\u0644\u0642\u0627\u0631\u0626 \u0645\u0646\u0647\u0627 \u0648\u064a\u0634\u0639\u0631 \u0628\u0627\u0644\u0627\u0643\u062a\u0641\u0627\u0621 \u0639\u0646 \u0627\u0644\u0628\u062d\u062b \u0627\u0644\u0639\u0644\u0645\u064a \u0627\u0644\u062f\u0642\u064a\u0642 \u060c \u0648\u0633\u0623\u0630\u0643\u0631 \u0645\u0646 \u0628\u0627\u0628 \u0627\u0644\u0639\u0644\u0645 \u0648\u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u062a\u0639\u0631\u064a\u0641\u0627\u064b \u0644\u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u062b\u0645 \u0623\u064f\u062a\u0628\u0639\u0647 \u0628\u0633\u0631\u062f \u0645\u0631\u0627\u062d\u0644 \u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0645\u0639 \u062a\u0648\u0635\u064a\u0641 \u0645\u062e\u062a\u0635\u0631 .<\/p>\n

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

\u0623\u0645\u0627 \u0627\u0644\u0645\u0631\u0627\u062d\u0644 \u0627\u0644\u062b\u0644\u0627\u062b \u0627\u0644\u062a\u064a \u062a\u0645\u0631 \u0641\u064a\u0647\u0627 \u0639\u0645\u0644\u064a\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u0647\u064a :<\/strong><\/span>
\n\u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 : \u0627\u0644\u062a\u0648\u0638\u064a\u0641 \u0623\u0648 \u0627\u0644\u0627\u064a\u062f\u0627\u0639 placement:<\/strong><\/span>
\n\u0648\u0647\u064a \u0623\u062e\u0637\u0631 \u0645\u0631\u062d\u0644\u0629 \u061b \u0644\u0623\u0646\u0647\u0627 \u0641\u064a \u0646\u0638\u0631\u064a \u062a\u0634\u0643\u0651\u0644 \u0627\u0644\u0645\u0648\u0627\u062c\u0647\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 ( \u0625\u0631\u0627\u062f\u064a\u0627\u064b ) \u062a\u062d\u062a \u063a\u0637\u0627\u0621 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u060c \u0641\u0627\u0644\u0645\u062c\u0631\u0645 \u0639\u0646\u062f\u0645\u0627 \u064a\u0631\u062a\u0643\u0628 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629 \u0623\u0648 \u064a\u0642\u0628\u0636 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0629 \u0642\u062f \u064a\u0641\u0644\u062a \u0645\u0646 \u0642\u0628\u0636\u0629 \u0627\u0644\u0623\u0645\u0646 \u060c \u0648\u0625\u0630\u0627 \u0623\u0631\u0627\u062f \u0623\u0646 \u064a\u0648\u062f\u0639 \u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0633\u064a\u0648\u0627\u062c\u0647 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0623\u0645\u0646\u064a\u0629 \u0648\u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u060c \u0648\u0633\u062a\u0643\u0648\u0646 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0627\u0646\u0643\u0634\u0627\u0641 \u0648\u0627\u0631\u062f\u0629 \u062c\u062f\u0627\u064b .
\n\u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u062a\u0623\u062a\u064a \u0641\u064a \u0635\u0648\u0631 \u0645\u062a\u0639\u062f\u062f\u0629 \u0645\u0646 \u0623\u0634\u0647\u0631\u0647\u0627 \u0627\u0644\u0627\u064a\u062f\u0627\u0639 \u0627\u0644\u0635\u0631\u064a\u062d \u0644\u0644\u0646\u0642\u062f \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0627\u0631\u064a\u0629 \u060c \u0648\u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u060c \u0648\u0642\u062f \u062a\u0638\u0647\u0631 \u0641\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u0634\u0631\u0627\u0621 \u0644\u0645\u062c\u0648\u0647\u0631\u0627\u062a \u0623\u0648 \u0644\u0648\u062d\u0627\u062a \u0641\u0646\u064a\u0629 \u063a\u0627\u0644\u064a\u0629 \u0627\u0644\u062b\u0645\u0646 !! .<\/p>\n

\u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 : \u0627\u0644\u062a\u063a\u0637\u064a\u0629 layering<\/strong><\/span>
\n\u0648\u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u062a\u0623\u062a\u064a \u0628\u0639\u062f \u0623\u0646 \u064a\u0646\u062c\u062d \u063a\u0627\u0633\u0644\u0648 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0641\u064a \u0641\u0635\u0644 \u0647\u0630\u0647 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0639\u0646 \u0645\u0635\u062f\u0631\u0647\u0627 \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u060c \u0648\u062a\u0633\u0645\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0639\u0646\u062f \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0627\u062d \u0648\u0627\u0644\u0645\u062e\u062a\u0635\u064a\u0646 \u0628\u0645\u0631\u062d\u0644\u0629 (\u0627\u0644\u062a\u0639\u062a\u064a\u0645 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0647) \u0648\u062a\u062c\u0631\u064a \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0639\u0642\u062f\u0629 \u060c \u0648\u0645\u0646 \u0623\u0634\u0647\u0631 \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0641\u064a\u0647\u0627 \u0645\u0627 \u064a\u0639\u0631\u0641 (\u0628\u0627\u0644\u062f\u0641\u0639 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062d\u0633\u0627\u0628) \u0639\u0646\u062f\u0645\u0627 \u064a\u0642\u0648\u0645 \u0628\u0646\u0643 \u0623\u062c\u0646\u0628\u064a \u0628\u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0641\u064a \u0628\u0646\u0643 \u0645\u062d\u0644\u064a \u064a\u0633\u062a\u062e\u062f\u0645\u0647 \u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0644\u0625\u062f\u0627\u0631\u0629 \u0623\u0646\u0634\u0637\u062a\u0647\u0645 \u0627\u0644\u0645\u0634\u0628\u0648\u0647\u0629 \u0628\u0625\u064a\u062f\u0627\u0639 \u0623\u0645\u0648\u0627\u0644 \u0623\u0648 \u0633\u062d\u0628 \u0634\u064a\u0643\u0627\u062a \u060c \u0648\u0645\u0646 \u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0647 : \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0625\u0646\u0634\u0627\u0621 \u0634\u0631\u0643\u0627\u062a \u0648\u0647\u0645\u064a\u0629 \u0641\u064a \u062f\u0648\u0644 \u062a\u064f\u0642\u062f\u0651\u0645 \u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0639\u0646\u062f \u062a\u0646\u0642\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 .<\/p>\n

\u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 : \u0627\u0644\u062f\u0645\u062c Integration:<\/span><\/strong>
\n\u0639\u0646\u062f\u0645\u0627 \u062a\u0635\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u062a\u062a\u0635\u0641 \u0628\u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 ( \u0638\u0627\u0647\u0631\u064a\u0627\u064b \u0628\u0627\u0644\u0637\u0628\u0639 )\u060c \u0641\u064a\u0635\u0639\u0628 \u062d\u064a\u0646\u0626\u0630 \u0643\u0634\u0641 \u062d\u0642\u064a\u0642\u062a\u0647\u0627 \u061b \u0644\u0627\u0628\u062a\u0639\u0627\u062f\u0647\u0627 \u0639\u0646 \u0645\u0635\u0627\u062f\u0631\u0647\u0627 \u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0629 \u060c \u0641\u062a\u0646\u062f\u0645\u062c \u0641\u064a \u0627\u0644\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0644\u0647\u0630\u0627 \u0627\u0644\u0628\u0644\u062f \u0628\u0634\u0643\u0644 \u0646\u0638\u0627\u0645\u064a \u060c \u0644\u0647\u0630\u0627 \u0627\u062a\u0635\u0641\u062a \u0628\u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u0627 \u0645\u0646 \u0633\u0627\u0628\u0642\u062a\u064a\u0647\u0627 .
\n\u0648\u062e\u062a\u0627\u0645\u0627\u064b:
\n\u0641\u0625\u0646 \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0632\u064a\u062f \u0642\u0631\u0627\u0621\u0629 \u0648\u062a\u0646\u0628\u0647 \u060c \u0641\u0642\u062f \u064a\u0642\u0639 \u0627\u0644\u0625\u0646\u0633\u0627\u0646 \u0641\u064a\u0647\u0627 \u0628\u062c\u0647\u0644 \u0623\u0648 \u062a\u063a\u0627\u0641\u0644 \u061b \u064a\u064f\u063a\u0631\u0649 \u0628\u0627\u0644\u0645\u0627\u0644 \u0623\u0648 \u0628\u0627\u0644\u0645\u0643\u0627\u0633\u0628 \u0648\u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u060c \u0648\u0647\u0630\u0627 \u0644\u0627 \u064a\u062d\u0645\u064a\u0647 \u0645\u0646 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 .<\/p>\n

\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644<\/span>
\n\u064a\u062f\u0631\u0643 \u0627\u0644\u0645\u062e\u062a\u0635\u0648\u0646 \u0623\u0646 \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u062c\u0631\u064a\u0645\u0629 \u0645\u062a\u0631\u0627\u0645\u064a\u0629 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0648\u0645\u062a\u062f\u0627\u062e\u0644\u0629 \u0627\u0644\u062d\u0628\u0627\u0644 \u060c \u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0630\u0627\u062a \u0627\u0644\u0637\u0627\u0628\u0639 \u0627\u0644\u062f\u0648\u0644\u064a \u062d\u0638\u064a\u062a \u0628\u0627\u0647\u062a\u0645\u0627\u0645 \u0628\u0627\u0644\u063a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u060c \u0648\u0627\u0644\u0645\u0646\u0635\u0641 \u062d\u064a\u0646 \u064a\u0637\u0651\u0644\u0639 \u0639\u0644\u0649 \u062c\u0647\u0648\u062f \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0645\u0646 \u0645\u0624\u0633\u0633\u0627\u062a \u0648\u0647\u064a\u0626\u0627\u062a \u0648\u0644\u062c\u0627\u0646 \u0644\u0647\u0627 \u0627\u0631\u062a\u0628\u0627\u0637 \u0628\u0647\u0630\u0627 \u0627\u0644\u0645\u0644\u0641 \u060c \u0644\u064a\u0641\u062e\u0631 \u0628\u0645\u0627 \u064a\u0631\u0627\u0647 \u060c\u0648\u064a\u062f\u0631\u0643 \u0623\u0633\u0628\u0627\u0628 \u062a\u0642\u062f\u064a\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (FATF) \u0627\u0644\u062f\u0639\u0648\u0629 \u0631\u0633\u0645\u064a\u0627\u064b \u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0644\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0644\u0647\u0627 \u0628\u0639\u0636\u0648\u064a\u0629 \u0643\u0627\u0645\u0644\u0629 .<\/p>\n

\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0627\u0644\u0623\u062e\u064a\u0631 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0633\u0644\u0629 \u060c \u0633\u0623\u062e\u0631\u062c \u0639\u0646 \u0627\u0644\u0646\u0633\u0642 \u0627\u0644\u0645\u0639\u062a\u0627\u062f \u0644\u0644\u0645\u0642\u0627\u0644\u0627\u062a (\u0627\u0644\u0633\u0631\u062f\u064a) \u060c \u0641\u0623\u0634\u064a\u0631 \u0625\u0644\u0649 \u0646\u0642\u0627\u0637 \u0645\u0647\u0645\u0629 \u0623\u0644\u0645\u062d\u062a \u0625\u0644\u064a\u0647\u0627 \u0633\u0627\u0628\u0642\u0627\u064b \u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0633\u0644\u0633\u0644 \u0645\u0642\u0635\u0648\u062f:<\/span><\/strong>
\n1-<\/span> \u0648\u0631\u062f \u0641\u064a \u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0630\u0650\u0643\u0652\u0631\u064c \u0644\u0628\u0639\u0636 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0627\u0644\u0645\u0639\u0646\u064a\u0629 \u0628\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 ( \u062c\u0647\u0627\u062a \u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0633\u0644\u0637\u0627\u062a \u0645\u062e\u062a\u0635\u0629) \u060c \u062a\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0628\u064a\u0646 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0628\u062a\u0637\u0628\u064a\u0642\u0647 .<\/p>\n

2-<\/span> \u0639\u062f\u062f\u062a \u0627\u0644\u0641\u0642\u0631\u0629 \u0627\u0644\u0631\u0627\u0628\u0639\u0629 \u0645\u0646 \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0627\u062f\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0647\u064a :
\n\u0623- \u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0646\u0642\u062f . \u0628- \u0647\u064a\u0626\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 . \u062c- \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 . \u062f- \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0639\u062f\u0644 . \u0647\u0640 – \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0639\u0645\u0644 \u0648\u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 .
\n* \u0648\u0642\u062f \u064a\u0636\u0627\u0641 \u0625\u0644\u064a\u0647\u0627 \u063a\u064a\u0631\u0647\u0627 \u062d\u0633\u0628 \u062a\u0642\u062f\u064a\u0631 \u0627\u0644\u0645\u0646\u0638\u0645 .<\/strong><\/span><\/p>\n

3-<\/span> \u062c\u0627\u0621 \u0630\u0643\u0631 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0635\u0629 \u0641\u064a \u0627\u0644\u0641\u0642\u0631\u0629 \u0627\u0644\u0633\u0627\u062f\u0633\u0629 \u0645\u0646 \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0627\u062f\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0648\u0647\u064a :
\n\u0623- \u0627\u0644\u0646\u064a\u0627\u0628\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 . \u0628- \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 . \u062c- \u0631\u0626\u0627\u0633\u0629 \u0623\u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u0629 . \u062f- \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 . \u0647\u0640- \u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062c\u0645\u0627\u0631\u0643 \u0627\u0644\u0639\u0627\u0645\u0629 . \u0648- \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u062a\u062d\u0631\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 .
\n* \u0648\u0623\u064a \u062c\u0647\u0629 \u0623\u062e\u0631\u0649 \u0645\u0643\u0644\u0641\u0629 \u0628\u062a\u0646\u0641\u064a\u0630 \u0623\u062d\u0643\u0627\u0645 \u0647\u0630\u0627 \u0627\u0644\u0646\u0638\u0627\u0645 .<\/strong><\/span><\/p>\n

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

5- \u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0628\u0627\u062d\u062b \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0623\u0646 \u064a\u0637\u0644\u0639 \u0639\u0644\u0649 \u0627\u0644\u062c\u0647\u0648\u062f \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u060c \u0648\u0645\u0646 \u0623\u0634\u0645\u0644 \u0627\u0644\u062c\u0647\u0648\u062f \u0627\u0644\u062a\u064a \u064a\u064f\u062a\u0646\u0628\u0651\u0647 \u0644\u0647\u0627 \u0645\u0627 \u0642\u0631\u0631\u062a\u0647 \u0648\u0627\u0647\u062a\u0645\u062a \u0628\u0647 \u062c\u0647\u062a\u0627\u0646 (\u062f\u0648\u0644\u064a\u062a\u0627\u0646) \u0647\u0645\u0627 :
\n\u0623- \u0645\u062c\u0645\u0648\u0639\u0629 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0627\u0644\u064a (FATF) \u0627\u0644\u062a\u064a \u062a\u0623\u0633\u0633\u062a \u0641\u064a \u0639\u0627\u0645 1989\u0645 \u060c \u062e\u0644\u0627\u0644 \u0627\u062c\u062a\u0645\u0627\u0639 \u0627\u0644\u0642\u0645\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u062e\u0627\u0645\u0633\u0629 \u0639\u0634\u0631\u0629 \u0644\u0644\u062f\u0648\u0644 \u0627\u0644\u0633\u0628\u0639 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u060c \u0648\u0647\u064a \u062a\u0636\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0643\u0648\u0645\u0627\u062a \u060c \u0648\u062a\u0633\u062a\u0647\u062f\u0641 \u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u0631\u0648\u064a\u062c \u0627\u0644\u0633\u064a\u0627\u0633\u064a\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u064a\u064a\u0646 \u0627\u0644\u0648\u0637\u0646\u064a \u0648\u0627\u0644\u062f\u0648\u0644\u064a \u0627\u0644\u0645\u0648\u062c\u0647\u0629 \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0643\u0648\u064a\u0646 \u0625\u0631\u0627\u062f\u0629 \u0633\u064a\u0627\u0633\u064a\u0629 \u0644\u0630\u0644\u0643 (\u0625\u0635\u0644\u0627\u062d\u0627\u062a \u062a\u0634\u0631\u064a\u0639\u064a\u0629 \u2013 \u0631\u0642\u0627\u0628\u064a\u0629 ) \u060c \u0648\u0642\u062f \u0623\u0635\u062f\u0631\u062a (\u0623\u0631\u0628\u0639\u064a\u0646 \u062a\u0648\u0635\u064a\u0629) \u062a\u0631\u0633\u0645 \u0628\u0647\u0627 \u0625\u0637\u0627\u0631\u0627\u064b \u0639\u0627\u0645\u0627\u064b \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0647\u0630\u0647 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 .<\/p>\n

\u0628- \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0644\u0644\u0634\u0631\u0637\u0629 \u0627\u0644\u062c\u0646\u0627\u0626\u064a\u0629 (\u0627\u0644\u0627\u0646\u062a\u0631\u0628\u0648\u0644) :<\/span>
\n\u0623\u0633\u0633\u062a (\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0627\u0646\u062a\u0631\u0628\u0648\u0644 \u0627\u0644\u062d\u0627\u0644\u064a\u0629) \u0639\u0627\u0645 1946\u0645 \u060c \u0628\u0639\u062f \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062d\u0631\u0628 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 ( \u0648\u0627\u0646\u0636\u0645\u062a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0644\u0647\u0627 \u0641\u064a \u0639\u0627\u0645 1956\u0645 ) \u060c \u0648\u0647\u064a \u0645\u0646\u0638\u0645\u0629 \u062f\u0648\u0644\u064a\u0629 \u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u060c \u0648\u0627\u0633\u062a\u0646\u0627\u062f\u0627\u064b \u0625\u0644\u0649 \u0627\u0644\u0645\u0627\u062f\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0645\u0646 \u0642\u0627\u0646\u0648\u0646\u0647\u0627 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0641\u0625\u0646\u0647\u0627 \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u0645\u062a\u0628\u0627\u062f\u0644 \u0639\u0644\u0649 \u0623\u0648\u0633\u0639 \u0646\u0637\u0627\u0642 \u0628\u064a\u0646 \u0643\u0627\u0641\u0629 \u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0634\u0631\u0637\u0629 \u0627\u0644\u062c\u0646\u0627\u0626\u064a\u0629 \u0641\u064a \u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0628\u0644\u062f\u0627\u0646 \u0648\u0628\u0631\u0648\u062d \u0627\u0644\u0625\u0639\u0644\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u062d\u0642\u0648\u0642 \u0627\u0644\u0625\u0646\u0633\u0627\u0646 .<\/p>\n

6-\u064a\u062a\u0633\u0627\u0647\u0644 \u0627\u0644\u0628\u0639\u0636 \u0641\u064a \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u060c \u0648\u0642\u062f \u062c\u0627\u0621 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u062a\u0639\u062f\u0627\u062f \u0644\u0635\u0648\u0631 \u0643\u062b\u064a\u0631\u0629 \u0635\u064f\u0646\u0651\u0641\u062a \u0639\u0644\u0649 \u0623\u0646\u0647\u0627 \u0645\u0646 \u062c\u0631\u0627\u0626\u0645 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u060c \u0645\u0646\u0647\u0627 :<\/strong><\/span>
\n\u0623-<\/span> \u062a\u062d\u0648\u064a\u0644 \u0645\u0627\u0644\u064d \u0623\u0648 \u0646\u0642\u0644\u0647 \u0645\u0639 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646\u0647 \u0645\u062a\u062d\u0635\u0644 \u0645\u0646 \u062c\u0631\u064a\u0645\u0629 \u061b \u0644\u0625\u062e\u0641\u0627\u0621 \u0645\u0635\u062f\u0631\u0647 \u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0623\u0648 \u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0645\u062a\u0648\u0631\u0637\u064d \u0641\u064a \u0627\u0631\u062a\u0643\u0627\u0628 \u062c\u0631\u064a\u0645\u0629 \u0623\u0635\u0644\u064a\u0629 .<\/p>\n

\u0628- \u0625<\/span>\u062e\u0641\u0627\u0621 \u0623\u0648 \u062a\u0645\u0648\u064a\u0647 \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0645\u0627\u0644 \u0623\u0648 \u0645\u0635\u062f\u0631\u0647 \u0623\u0648 \u0645\u0644\u0643\u064a\u062a\u0647 \u0623\u0648 \u0627\u0644\u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0647 \u060c \u0645\u0639 \u0627\u0644\u0639\u0644\u0645 \u0628\u0623\u0646\u0647 \u0645\u062a\u062d\u0635\u0644 \u0645\u0646 \u062c\u0631\u064a\u0645\u0629 \u0623\u0635\u0644\u064a\u0629 .
\n\u062c-<\/span> \u0627\u0644\u0634\u0631\u0648\u0639 \u0641\u064a \u0627\u0631\u062a\u0643\u0627\u0628 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0627\u0644\u0641\u0642\u0631\u0627\u062a (1-2-3) \u0645\u0646 \u0627\u0644\u0645\u0627\u062f\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u060c \u0623\u0648 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643 \u0641\u064a \u0627\u0631\u062a\u0643\u0627\u0628\u0647\u0627 \u0623\u0648 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0623\u0648 \u0627\u0644\u062a\u062d\u0631\u064a\u0636 \u0623\u0648 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0645\u0634\u0648\u0631\u0629 \u0623\u0648 \u0627\u0644\u0646\u0635\u062d \u0623\u0648 \u0627\u0644\u062a\u0633\u062a\u0631 \u0623\u0648 \u0627\u0644\u062a\u0622\u0645\u0631 . ( \u062a\u0631\u0627\u062c\u0639 \u0627\u0644\u0645\u0627\u062f\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0644\u0623\u0647\u0645\u064a\u062a\u0647\u0627 ) .<\/p>\n

7-<\/span> \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u0645\u0647\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u060c \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0647\u0627\u062f\u0641\u0629 \u0644\u0644\u0631\u0628\u062d (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u0642\u062f\u0645\u0648\u0646 \u062e\u062f\u0645\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0623\u0648 \u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u060c \u0639\u0646\u062f \u0627\u0634\u062a\u0628\u0627\u0647\u0647\u0645 \u0628\u0623\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u0645\u062a\u062d\u0635\u0644\u0627\u062a \u062c\u0631\u064a\u0645\u0629 \u060c \u0623\u0648 \u062a\u0631\u062a\u0628\u0637 \u0628\u0639\u0645\u0644\u064a\u0629 \u063a\u0633\u0644 \u0623\u0645\u0648\u0627\u0644 \u0623\u0646 \u064a\u0628\u0644\u063a\u0648\u0627 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0644\u0644\u062a\u062d\u0631\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u064a\u0633\u062a\u062c\u064a\u0628\u0648\u0627 \u0644\u0643\u0644 \u0645\u0627 \u064a\u064f\u0637\u0644\u0628 \u0645\u0646\u0647\u0645 \u060c \u0648\u0642\u062f \u0623\u0643\u062f \u0627\u0644\u0645\u0646\u0638\u0645 \u0639\u0644\u0649 \u062e\u0637\u0648\u0631\u0629 \u0647\u062a\u0643 \u0627\u0644\u0633\u0631\u064a\u0629 \u0641\u064a \u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u060c \u0648\u0639\u0644\u0649 \u062e\u0637\u0648\u0631\u0629 \u062a\u0646\u0628\u064a\u0647 \u0647\u0630\u0647 \u0627\u0644\u062c\u0647\u0627\u062a \u0644\u0639\u0645\u0644\u0627\u0626\u0647\u0627 \u0623\u0648 \u063a\u064a\u0631\u0647\u0645 \u0628\u0623\u064a \u0625\u062c\u0631\u0627\u0621 \u062a\u0645 \u0623\u0648 \u0633\u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645\u0647 \u0644\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0635\u0629 .<\/p>\n

8-<\/span> \u064a\u062c\u0628 \u0639\u0644\u0649 \u0643\u0644 \u0634\u062e\u0635 (\u064a\u062f\u062e\u0644 \u0623\u0648 \u064a\u062e\u0631\u062c ) \u0645\u0646 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0648\u0628\u062d\u0648\u0632\u062a\u0647 \u0623\u0645\u0648\u0627\u0644 \u0623\u0648 \u0645\u062c\u0648\u0647\u0631\u0627\u062a \u0623\u0648 \u0633\u0628\u0627\u0626\u0643 \u0630\u0647\u0628\u064a\u0629 \u0623\u0648 \u0645\u0639\u0627\u062f\u0646 \u062b\u0645\u064a\u0646\u0629 \u0623\u0648 \u0623\u062d\u062c\u0627\u0631 \u0643\u0631\u064a\u0645\u0629 \u0623\u0648 \u0639\u0645\u0644\u0627\u062a \u0623\u062c\u0646\u0628\u064a\u0629 \u062a\u0628\u0644\u063a \u0642\u064a\u0645\u062a\u0647\u0627 \u0623\u0648 \u062a\u0632\u064a\u062f \u0639\u0646 (60.000) \u0631\u064a\u0627\u0644 \u060c \u0627\u0644\u0625\u0642\u0631\u0627\u0631 \u0628\u0630\u0644\u0643 \u0643\u062a\u0627\u0628\u064a\u0627\u064b \u0623\u0645\u0627\u0645 \u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u062c\u0645\u0627\u0631\u0643 \u0627\u0644\u0639\u0627\u0645\u0629 \u060c \u0648\u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0645\u0627 \u064a\u064f\u0646\u0642\u0644 \u0639\u0646 \u0637\u0631\u064a\u0642 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u062d\u0646 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u0631\u064a\u062f\u064a\u0629 \u0648\u0623\u064a \u0648\u0633\u064a\u0644\u0629 \u0646\u0642\u0644 \u0623\u062e\u0631\u0649 \u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0623\u0646 \u064a\u062d\u062a\u0641\u0638 \u0627\u0644\u0634\u062e\u0635 \u0628\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a\u0647 \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0648\u064a \u0623\u0648 \u062a\u0632\u064a\u062f \u0639\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0641\u064a \u0627\u0644\u0644\u0627\u0626\u062d\u0629 \u061b \u0644\u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0625\u0628\u0631\u0627\u0632\u0647\u0627 \u062d\u0627\u0644 \u0633\u0641\u0631\u0647 \u0628\u0647\u0627 .<\/p>\n

9-<\/span> \u062c\u0627\u0621\u062a \u0627\u0644\u0639\u0642\u0648\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u0641\u0635\u0644 \u0627\u0644\u0633\u0627\u0628\u0639 \u0645\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 : \u0628\u0623\u0646 \u0643\u0644 \u0645\u0646 \u0627\u0631\u062a\u0643\u0628 \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0623\u0645\u0648\u0627\u0644 \u064a\u0639\u0627\u0642\u0628 \u0628\u0627\u0644\u0633\u062c\u0646 \u0644\u0645\u062f\u0629 \u0644\u0627 \u062a\u0642\u0644 \u0639\u0646 \u0633\u0646\u062a\u064a\u0646 \u0623\u0648 \u0628\u063a\u0631\u0627\u0645\u0629 \u0644\u0627 \u062a\u0632\u064a\u062f \u0639\u0646 \u062e\u0645\u0633\u0629 \u0645\u0644\u0627\u064a\u064a\u0646 \u0631\u064a\u0627\u0644 \u060c \u0648\u0639\u0646\u062f \u0627\u0642\u062a\u0631\u0627\u0646 \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u0628\u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0648\u0627\u0644\u0638\u0631\u0648\u0641 \u0641\u0644\u0646 \u062a\u0642\u0644 \u0627\u0644\u0639\u0642\u0648\u0628\u0629 \u0639\u0646 \u0627\u0644\u0633\u062c\u0646 \u0644\u0645\u062f\u0629 \u062b\u0644\u0627\u062b \u0633\u0646\u0648\u0627\u062a \u0623\u0648 \u0628\u0627\u0644\u063a\u0631\u0627\u0645\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0632\u064a\u062f \u0639\u0644\u0649 \u0633\u0628\u0639\u0629 \u0645\u0644\u0627\u064a\u064a\u0646 \u0631\u064a\u0627\u0644 \u060c \u0648\u0642\u062f \u062a\u062c\u062a\u0645\u0639 \u0627\u0644\u0639\u0642\u0648\u0628\u062a\u0627\u0646 \u060c \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0645\u062f\u0627\u0646 \u0645\u0639\u0631\u0636 \u0644\u0644\u062d\u0643\u0645 \u0628\u0627\u0644\u0645\u0646\u0639 \u0645\u0646 \u0627\u0644\u0633\u0641\u0631 \u0648\u0628\u0645\u0635\u0627\u062f\u0631\u0629 \u0645\u062a\u0639\u0644\u0642\u0627\u062a \u0627\u0644\u062c\u0631\u064a\u0645\u0629 \u060c \u0648\u064a\u062d\u0633\u0646 \u0628\u0627\u0644\u0642\u0627\u0631\u0626 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0645\u062c\u0645\u0648\u0639\u062a\u064a \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0645\u0646 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0639\u062f\u0644 \u0644\u0639\u0627\u0645\u064a (1434\u0647\u0640 \u0627\u0644\u0645\u062c\u0644\u062f 24 \u060c 1435\u0647\u0640 \u0627\u0644\u0645\u062c\u0644\u062f 12) \u0648\u0625\u0646 \u0643\u0627\u0646\u062a \u062a\u0642\u0631\u064a\u0631\u0627\u062a \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0639\u0644\u0649 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0633\u0627\u0628\u0642 \u060c \u0625\u0644\u0627 \u0623\u0646\u0647\u0627 \u0633\u062a\u062b\u0631\u064a \u0627\u0644\u0628\u0627\u062d\u062b \u0645\u0646 \u062c\u0647\u0629 \u062a\u0633\u0628\u064a\u0628 \u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0648\u062a\u0645\u064a\u064a\u0632 \u0627\u0644\u0648\u0642\u0627\u0626\u0639 \u0627\u0644\u0645\u0646\u062a\u062c\u0629 .<\/p>\n

10-<\/span> \u0627\u0639\u062a\u0646\u0649 \u0627\u0644\u0645\u0646\u0638\u0645 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0628\u0640 (\u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629) \u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u060c \u0648\u0638\u0647\u0631 \u0630\u0644\u0643 \u062c\u0644\u064a\u0651\u0627\u064b \u0641\u064a \u0646\u0638\u0627\u0645 \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u060c \u0641\u0639\u0646\u062f \u0645\u0635\u0627\u062f\u0631\u0629 \u0645\u062a\u0639\u0644\u0642\u0627\u062a \u062c\u0631\u064a\u0645\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0631\u0648\u0639\u064a \u062d\u0642\u0647 \u0625\u0646 \u0623\u062b\u0628\u062a \u0623\u0646\u0647 \u062d\u0635\u0644 \u0639\u0644\u064a\u0647\u0627 \u0628\u0642\u064a\u0645\u0629 \u0645\u0646\u0627\u0633\u0628\u0629 \u0648\u0644\u0642\u0627\u0621 \u062e\u062f\u0645\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0645\u0639 \u062c\u0647\u0644\u0647 \u0628\u0645\u0635\u062f\u0631\u0647\u0627 \u063a\u064a\u0631 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u060c \u0648\u062d\u0642\u0647 \u0641\u064a \u0627\u0644\u0625\u062b\u0628\u0627\u062a \u0645\u0643\u0641\u0648\u0644 \u0634\u0631\u0639\u0627\u064b \u0648\u0646\u0638\u0627\u0645\u0627\u064b \u062d\u062a\u0649 \u0648\u0644\u0648 \u0622\u0644\u062a \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0645\u0627\u062f\u062a\u064a\u0646 (33- 36) \u060c \u0648\u062b\u0628\u0648\u062a \u062d\u0633\u0646 \u0627\u0644\u0646\u064a\u0629 \u0639\u0627\u0626\u062f \u0644\u0646\u0638\u0631 \u0627\u0644\u0642\u0636\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0648\u0642\u0627\u0626\u0639 \u0648\u0627\u0644\u0645\u0644\u0627\u0628\u0633\u0627\u062a \u0641\u064a \u0627\u0644\u0642\u0636\u064a\u0629 .<\/p>\n

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