![\"\"](\"https:\/\/scriptmasr.online\/wp-content\/uploads\/2026\/09\/IMG-20260927-WA0060.jpg\")
<\/p>\n<\/p>\n
<\/p>\n
\u0643\u062a\u0628 \u0645\u0627\u0647\u0631<\/p>\n
\u064a\u064f\u0639\u062f \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u062d\u062f \u0623\u0628\u0631\u0632 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u064f\u0639\u064a\u062f \u062a\u0634\u0643\u064a\u0644 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u062e\u0644\u0627\u0644 \u0639\u0627\u0645 2026\u060c \u062d\u064a\u062b \u0644\u0645 \u064a\u0639\u062f \u062f\u0648\u0631\u0647 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u062f\u0639\u0645 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0628\u0644 \u0623\u0635\u0628\u062d \u0639\u0646\u0635\u0631\u064b\u0627 \u0631\u0626\u064a\u0633\u064a\u064b\u0627 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0648\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u0637\u0648\u064a\u0631 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u060c \u0648\u0642\u062f \u0623\u062f\u0649 \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u0643\u0628\u064a\u0631 \u0641\u064a \u062a\u0642\u0646\u064a\u0627\u062a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u064a \u0625\u0644\u0649 \u062f\u0641\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0646\u062d\u0648 \u062a\u0628\u0646\u064a \u0646\u0645\u0627\u0630\u062c \u0623\u0643\u062b\u0631 \u062a\u0637\u0648\u0631\u064b\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0630\u0643\u064a\u0629 \u0641\u0649 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629.
\n\u0648\u062a\u0623\u062a\u064a \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0645\u0646 \u0637\u0628\u064a\u0639\u0629 \u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0639\u062a\u0645\u062f \u0628\u0635\u0648\u0631\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0642\u064a\u0627\u0633. \u0641\u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u062f\u0642\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0628\u0646\u0627\u0621 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a\u060c \u0627\u0631\u062a\u0641\u0639\u062a \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0645\u0646\u062a\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u0648\u062a\u062d\u0633\u0646\u062a \u0642\u062f\u0631\u062a\u0647 \u0639\u0644\u0649 \u0639\u0643\u0633 \u0627\u0644\u0648\u0627\u0642\u0639 \u0627\u0644\u0641\u0639\u0644\u064a \u0644\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647. \u0644\u0630\u0644\u0643 \u0623\u0635\u0628\u062d \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0627\u0639\u062f \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u0631\u0627\u062c \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629.
\n\u0643\u0645\u0627 \u0633\u0627\u0647\u0645\u062a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0644\u064a\u0634\u0645\u0644 \u0642\u0637\u0627\u0639\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0645\u062b\u0644 \u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0648\u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629 \u0648\u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u0625\u0645\u062f\u0627\u062f \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629. \u0641\u0641\u064a \u0627\u0644\u0633\u0627\u0628\u0642 \u0643\u0627\u0646\u062a \u0628\u0639\u0636 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u062a\u0648\u0627\u062c\u0647 \u0635\u0639\u0648\u0628\u0627\u062a \u062a\u062a\u0639\u0644\u0642 \u0628\u0642\u064a\u0627\u0633\u0647\u0627 \u0623\u0648 \u062a\u0633\u0639\u064a\u0631\u0647\u0627 \u0628\u0635\u0648\u0631\u0629 \u062f\u0642\u064a\u0642\u0629\u060c \u0623\u0645\u0627 \u0627\u0644\u064a\u0648\u0645 \u0641\u0642\u062f \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0646\u0638\u0645 \u0627\u0644\u0630\u0643\u064a\u0629 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0623\u0646\u0645\u0627\u0637 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0643\u062a\u0634\u0627\u0641 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0639\u0642\u062f\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0628\u0645\u0627 \u064a\u0633\u0645\u062d \u0628\u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0648\u062a\u062e\u0635\u0635\u064b\u0627.<\/p>\n
\u0648\u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u064a\u064f\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0633\u062a\u0641\u064a\u062f \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0645\u0646 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0641\u0642\u062f \u0627\u0631\u062a\u0641\u0639 \u062d\u062c\u0645 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0625\u0644\u0649 \u0646\u062d\u0648 23.85 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0645\u0639 \u062a\u0648\u0642\u0639\u0627\u062a \u0628\u0645\u0648\u0627\u0635\u0644\u062a\u0647 \u0627\u0644\u0646\u0645\u0648 \u0628\u0645\u0639\u062f\u0644 \u0633\u0646\u0648\u064a \u0645\u0631\u0643\u0628 \u064a\u062a\u062c\u0627\u0648\u0632 12.8% \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629. \u0648\u062a\u0634\u064a\u0631 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 \u062d\u062c\u0645 \u0627\u0644\u0633\u0648\u0642 \u0642\u062f \u064a\u0635\u0644 \u0625\u0644\u0649 \u0646\u062d\u0648 38.68 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2030.<\/p>\n
\u0627\u0644\u0645\u0635\u062f\u0631: https:\/\/www.researchandmarkets.com\/reports\/6103797\/parametric-insurance-market-report<\/p>\n
\u0648\u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647\u060c \u062a\u0634\u0647\u062f \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0633\u0628\u0627\u0642\u064b\u0627 \u0645\u062a\u0632\u0627\u064a\u062f\u064b\u0627 \u0644\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u0647\u062f\u0641 \u062a\u0639\u0632\u064a\u0632 \u0642\u062f\u0631\u062a\u0647\u0627 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629. \u0648\u0644\u0645 \u062a\u0639\u062f \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0642\u0627\u0626\u0645\u0629 \u0641\u0642\u0637 \u0639\u0644\u0649 \u062d\u062c\u0645 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0623\u0648 \u0634\u0628\u0643\u0629 \u0627\u0644\u062a\u0648\u0632\u064a\u0639\u060c \u0628\u0644 \u0623\u0635\u0628\u062d\u062a \u062a\u0631\u062a\u0628\u0637 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0625\u0644\u0649 \u0631\u0624\u0649 \u062a\u0633\u0627\u0639\u062f \u0641\u064a \u0628\u0646\u0627\u0621 \u0645\u0624\u0634\u0631\u0627\u062a \u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0648\u0643\u0641\u0627\u0621\u0629.
\n\u0648\u0631\u063a\u0645 \u0647\u0630\u0647 \u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0643\u0628\u064a\u0631\u0629\u060c \u0644\u0627\u064a\u0632\u0627\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u064a\u0648\u0627\u062c\u0647 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a\u060c \u0645\u0646 \u0623\u0647\u0645\u0647\u0627 \u062c\u0648\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629\u060c \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u062d\u064a\u0632 \u0627\u0644\u062e\u0648\u0627\u0631\u0632\u0645\u064a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629 \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629. \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u0639\u0627\u0645 \u0644\u0644\u0633\u0648\u0642 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0644\u0646 \u062a\u062d\u062f \u0645\u0646 \u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0628\u0644 \u0633\u062a\u062f\u0641\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0625\u0644\u0649 \u062a\u0637\u0648\u064a\u0631 \u0623\u0637\u0631 \u0623\u0643\u062b\u0631 \u062a\u0637\u0648\u0631\u064b\u0627 \u0644\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.
\n\u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u064a\u0645\u0643\u0646 \u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0646\u0642\u0637\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0623\u0647\u0645 \u0641\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u060c \u062d\u064a\u062b \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0644\u062a\u063a\u0637\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0642\u062f\u0631\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u0629. \u0643\u0645\u0627 \u062a\u0634\u064a\u0631 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u0633\u062a\u0634\u0647\u062f \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0630\u0643\u064a\u0629\u060c \u0628\u0645\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u062d\u062f \u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u0633\u064a\u0642\u0648\u0645 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u0642\u0627\u062f\u0645 \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a.
\n\u062f\u0648\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631
\n\u064a\u064f\u0639\u062f \u062a\u0637\u0648\u064a\u0631 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0623\u062d\u062f\u062b \u0641\u064a\u0647\u0627 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u062d\u0648\u0644\u064b\u0627 \u062c\u0648\u0647\u0631\u064a\u064b\u0627 \u062f\u0627\u062e\u0644 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a. \u0641\u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u062a\u0639\u0642\u064a\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0627\u0644\u0645\u062a\u0637\u0631\u0641\u0629\u060c \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0648\u062d\u062f\u0647\u0627 \u0623\u0642\u0644 \u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u062f\u0642\u0629 \u0628\u0627\u0644\u0623\u0646\u0645\u0627\u0637 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631. \u0648\u0645\u0646 \u0647\u0646\u0627 \u0628\u0631\u0632\u062a \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0623\u062f\u0627\u0629 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0643\u0645\u064a\u0627\u062a \u0636\u062e\u0645\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0643\u062a\u0634\u0627\u0641 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0641\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0628\u0646\u0627\u0621 \u0646\u0645\u0627\u0630\u062c \u062a\u0646\u0628\u0624\u064a\u0629 \u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0648\u0643\u0641\u0627\u0621\u0629.
\n\u0648\u062a\u0639\u062a\u0645\u062f \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0639\u0644\u0649 \u062f\u0645\u062c \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0645\u0635\u0627\u062f\u0631 \u062a\u0634\u0645\u0644 \u0627\u0644\u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629\u060c \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629\u060c \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0634\u0639\u0627\u0631 \u0639\u0646 \u0628\u064f\u0639\u062f\u060c \u0648\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0631\u0635\u062f \u0627\u0644\u062c\u0648\u064a\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0628\u064a\u0626\u064a\u0629. \u0648\u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u064a (Machine Learning) \u0648\u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0639\u0645\u064a\u0642 (Deep Learning)\u060c \u062a\u0633\u062a\u0637\u064a\u0639 \u0647\u0630\u0647 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0623\u0646\u0645\u0627\u0637 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629 \u0648\u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0627\u0639\u062a\u064a\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0648\u0642\u0648\u0639 \u062d\u062f\u062b \u0645\u0639\u064a\u0646 \u0645\u062b\u0644 \u0627\u0644\u062c\u0641\u0627\u0641 \u0623\u0648 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0623\u0648 \u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0627\u0644\u0634\u062f\u064a\u062f\u0629.
\n\u0648\u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0632\u0631\u0627\u0639\u0629\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u062d\u0644\u064a\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0648\u0627\u0644\u0631\u0637\u0648\u0628\u0629 \u0648\u062f\u0631\u062c\u0627\u062a \u0627\u0644\u062d\u0631\u0627\u0631\u0629 \u0644\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u062d\u062a\u0645\u0627\u0644\u0627\u062a \u0627\u0644\u062c\u0641\u0627\u0641 \u0623\u0648 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0627\u0644\u0632\u0631\u0627\u0639\u064a. \u0643\u0645\u0627 \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629 \u0644\u0644\u062a\u0646\u0628\u0624 \u0628\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0625\u0634\u0639\u0627\u0639 \u0627\u0644\u0634\u0645\u0633\u064a \u0648\u0633\u0631\u0639\u0627\u062a \u0627\u0644\u0631\u064a\u0627\u062d\u060c \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u062a\u0635\u0645\u064a\u0645 \u0628\u0631\u0627\u0645\u062c \u062a\u0623\u0645\u064a\u0646 \u0623\u0643\u062b\u0631 \u062a\u0648\u0627\u0641\u0642\u064b\u0627 \u0645\u0639 \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0631\u0648\u0639\u0627\u062a.
\n\u0643\u0645\u0627 \u062a\u0633\u0627\u0647\u0645 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u062d\u064a\u062b \u062a\u0633\u0627\u0639\u062f \u0641\u064a \u062a\u0642\u062f\u064a\u0631 \u062d\u062c\u0645 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0628\u0635\u0648\u0631\u0629 \u0623\u0643\u062b\u0631 \u062f\u0642\u0629\u060c \u0648\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0641\u0636\u0644\u064b\u0627 \u0639\u0646 \u062f\u0639\u0645 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0648\u0627\u0644\u062a\u0633\u0639\u064a\u0631.
\n\u0648\u062a\u0634\u064a\u0631 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 \u062f\u0642\u0629 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u0635\u0628\u062d\u062a \u062a\u0641\u0648\u0642 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u062f\u0641\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0647\u0627 \u0641\u064a \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647\u0627 \u0623\u062d\u062f \u0623\u0647\u0645 \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0645\u0629.
\n\u0648\u0641\u064a \u0636\u0648\u0621 \u0630\u0644\u0643\u060c \u064a\u0645\u0643\u0646 \u0627\u0644\u0642\u0648\u0644 \u0625\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u0627 \u064a\u0639\u0645\u0644 \u0641\u0642\u0637 \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0648\u0642\u0639 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627\u060c \u0628\u0644 \u064a\u0633\u0647\u0645 \u0623\u064a\u0636\u064b\u0627 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0641\u0647\u0645 \u0623\u0639\u0645\u0642 \u0644\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u063a\u064a\u0631\u0627\u062a\u0647\u0627 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629\u060c \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0639\u0632\u0632 \u0645\u0646 \u0643\u0641\u0627\u0621\u0629 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0648\u064a\u0631\u0641\u0639 \u0645\u0646 \u0642\u062f\u0631\u062a\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u0629.
\n\u062a\u062d\u0633\u064a\u0646 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0648\u0631\u0641\u0639 \u0643\u0641\u0627\u0621\u062a\u0647\u0627
\n\u064a\u0634\u0647\u062f \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u062d\u0627\u0644\u064a\u064b\u0627 \u062a\u062d\u0648\u0644\u064b\u0627 \u0645\u0644\u062d\u0648\u0638\u064b\u0627 \u0641\u064a \u0637\u0631\u064a\u0642\u0629 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629\u060c \u062d\u064a\u062b \u0644\u0645 \u062a\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0623\u062d\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u060c \u0628\u0644 \u0627\u062a\u062c\u0647\u062a \u0646\u062d\u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u0631\u0643\u0628\u0629 (Composite Triggers) \u0627\u0644\u062a\u064a \u062a\u062c\u0645\u0639 \u0628\u064a\u0646 \u0639\u062f\u0629 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0646\u0645\u0648\u0630\u062c \u0648\u0627\u062d\u062f. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0643\u0645\u064a\u0629 \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0641\u0642\u0637 \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u060c \u0623\u0635\u0628\u062d \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u062f\u0645\u062c \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0645\u0637\u0627\u0631 \u0648\u0634\u062f\u0629 \u0627\u0644\u0631\u064a\u0627\u062d \u0648\u062f\u0631\u062c\u0629 \u0627\u0644\u062a\u0631\u0628\u0629 \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u062f\u0627\u062e\u0644 \u0645\u0624\u0634\u0631 \u0645\u0648\u062d\u062f \u0623\u0643\u062b\u0631 \u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629. \u0648\u064a\u064f\u0646\u0638\u0631 \u0625\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0627\u0644\u0647\u0627\u062f\u0641\u0629 \u0625\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u062f\u0642\u0629 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0641\u062c\u0648\u0629 \u0628\u064a\u0646 \u0627\u0644\u062d\u062f\u062b \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0648\u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646\u0647.<\/p>\n
\u0648\u0645\u0646 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0640 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u064a\u0641\u064a\u0629 (Adaptive Triggers)\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0633\u062a\u0646\u0627\u062f\u064b\u0627 \u0625\u0644\u0649 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0628\u064a\u0626\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u062d\u062f\u0648\u062f \u062b\u0627\u0628\u062a\u0629 \u062a\u0645 \u062a\u062d\u062f\u064a\u062f\u0647\u0627 \u0639\u0646\u062f \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629. \u0648\u064a\u0633\u0627\u0639\u062f \u0647\u0630\u0627 \u0627\u0644\u0646\u0647\u062c \u0639\u0644\u0649 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0645\u0624\u0634\u0631 \u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u0629 \u0627\u0644\u062a\u064a \u0623\u0635\u0628\u062d\u062a \u062a\u0624\u062b\u0631 \u0628\u0635\u0648\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062e\u0635\u0627\u0626\u0635 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629.
\n\u0643\u0645\u0627 \u0628\u062f\u0623\u062a \u0628\u0639\u0636 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0648\u0623\u0645\u064a\u0629 (Digital Twins) \u0639\u0646\u062f \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u0625\u0646\u0634\u0627\u0621 \u0646\u0645\u0648\u0630\u062c \u0631\u0642\u0645\u064a \u064a\u062d\u0627\u0643\u064a \u0627\u0644\u0623\u0635\u0644 \u0623\u0648 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0648\u062a\u062c\u0631\u0628\u0629 \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0639\u0644\u064a\u0647 \u0642\u0628\u0644 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0644\u0644\u062a\u063a\u0637\u064a\u0629. \u0648\u064a\u0633\u0627\u0639\u062f \u0630\u0644\u0643 \u0639\u0644\u0649 \u062a\u0637\u0648\u064a\u0631 \u0645\u0624\u0634\u0631\u0627\u062a \u0623\u0643\u062b\u0631 \u0627\u0631\u062a\u0628\u0627\u0637\u064b\u0627 \u0628\u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0648\u062a\u062d\u0633\u064a\u0646 \u062c\u0648\u062f\u0629 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0648\u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629.<\/p>\n
\u062a\u0634\u064a\u0631 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0625\u0644\u0649 \u0627\u0646\u062a\u0642\u0627\u0644 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u0624\u0634\u0631\u0627\u062a \u062b\u0627\u0628\u062a\u0629 \u0648\u0623\u062d\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0625\u0644\u0649 \u0645\u0624\u0634\u0631\u0627\u062a \u0645\u0631\u0643\u0628\u0629 \u0648\u062a\u0643\u064a\u0641\u064a\u0629 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629. \u0643\u0645\u0627 \u0628\u062f\u0623\u062a \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0648\u0623\u0645\u064a\u0629 \u0641\u064a \u0644\u0639\u0628 \u062f\u0648\u0631 \u0645\u062a\u0632\u0627\u064a\u062f \u0641\u064a \u0627\u062e\u062a\u0628\u0627\u0631 \u0648\u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0642\u0628\u0644 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629\u060c \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u064a\u0633\u0647\u0645 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u062f\u0642\u0629 \u0627\u0644\u062a\u063a\u0637\u064a\u0627\u062a \u0648\u0631\u0641\u0639 \u0643\u0641\u0627\u0621\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0641\u062c\u0648\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629.
\n\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u062a\u062a\u062c\u0647 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0645\u0646 \u0645\u0641\u0647\u0648\u0645 “\u0645\u0624\u0634\u0631 \u0648\u0627\u062d\u062f \u064a\u0646\u0627\u0633\u0628 \u0627\u0644\u062c\u0645\u064a\u0639” \u0625\u0644\u0649 \u0645\u0641\u0647\u0648\u0645 “\u0627\u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0645\u0635\u0645\u0645 \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u0643\u0644 \u062e\u0637\u0631”\u060c \u0648\u0647\u0648 \u0627\u062a\u062c\u0627\u0647 \u064a\u064f\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0634\u0643\u0644 \u0623\u062d\u062f \u0623\u0647\u0645 \u0645\u062d\u0631\u0643\u0627\u062a \u062a\u0637\u0648\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629\u060c \u062e\u0627\u0635\u0629 \u0645\u0639 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u062a\u0637\u0648\u0631 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629
\n\u0645\u0633\u062a\u0642\u0628\u0644 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629Basis Risk
\n\u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0638\u0647\u0648\u0631 \u0645\u0627 \u064a\u0639\u0631\u0641 \u0628\u0640 \u0646\u0645\u0627\u0630\u062c \u0642\u064a\u0627\u0633 \u0627\u0644\u0640 Basis Risk \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0641\u0639\u0644\u064a (Real-Time Basis Risk Monitoring). \u0641\u0641\u064a \u0627\u0644\u0645\u0627\u0636\u064a \u0643\u0627\u0646\u062a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0642\u0648\u0645 \u0628\u062a\u0642\u064a\u064a\u0645 \u0641\u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0634\u0631 \u0623\u062b\u0646\u0627\u0621 \u0645\u0631\u062d\u0644\u0629 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c \u0641\u0642\u0637\u060c \u0623\u0645\u0627 \u0627\u0644\u064a\u0648\u0645 \u0641\u0642\u062f \u0628\u062f\u0623\u062a \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u0624\u0634\u0631 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0648\u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0628\u0635\u0648\u0631\u0629 \u0645\u0633\u062a\u0645\u0631\u0629 \u0628\u0639\u062f \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629. \u0648\u062a\u0633\u062a\u062e\u062f\u0645 \u0647\u0630\u0647 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0645\u0639 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0633\u062c\u0644\u0629 \u0641\u0639\u0644\u064a\u064b\u0627 \u0648\u0627\u0643\u062a\u0634\u0627\u0641 \u0623\u064a \u0627\u0646\u062d\u0631\u0627\u0641\u0627\u062a \u0645\u062a\u0643\u0631\u0631\u0629 \u0642\u062f \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0648\u062c\u0648\u062f \u062e\u0644\u0644 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c \u0623\u0648 \u0622\u0644\u064a\u0629 \u0627\u0644\u062a\u0641\u0639\u064a\u0644. \u0648\u064a\u062a\u064a\u062d \u0630\u0644\u0643 \u0627\u0644\u062a\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u0643\u0631 \u0648\u0625\u0639\u0627\u062f\u0629 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u062c \u0642\u0628\u0644 \u0638\u0647\u0648\u0631 \u0645\u0634\u0643\u0644\u0627\u062a \u0648\u0627\u0633\u0639\u0629 \u0627\u0644\u0646\u0637\u0627\u0642.
\n\u0643\u0645\u0627 \u0628\u0631\u0632 \u0627\u062a\u062c\u0627\u0647 \u0622\u062e\u0631 \u064a\u062a\u0645\u062b\u0644 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0648\u0623\u0645\u0629 \u0628\u064a\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 (Loss Correlation Models). \u0648\u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062d\u062f\u062b \u0630\u0627\u062a\u0647\u060c \u0623\u0635\u0628\u062d\u062a \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0629 \u0628\u064a\u0646 \u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0648\u0643\u0644 \u062f\u0648\u0644\u0627\u0631 \u064a\u062a\u0645 \u062f\u0641\u0639\u0647 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629. \u0648\u064a\u0633\u0627\u0639\u062f \u0630\u0644\u0643 \u0639\u0644\u0649 \u0642\u064a\u0627\u0633 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0645\u0646\u062a\u062c \u0628\u0635\u0648\u0631\u0629 \u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0648\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0635\u0645\u064a\u0645 \u0623\u0648 \u0627\u0644\u062a\u0633\u0639\u064a\u0631.<\/p>\n
\u0648\u0645\u0646 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u0648\u0627\u0639\u062f\u0629 \u0623\u064a\u0636\u064b\u0627 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062a\u0648\u0644\u064a\u062f\u064a (Generative AI) \u0641\u064a \u0645\u062d\u0627\u0643\u0627\u0629 \u0641\u062c\u0648\u0627\u062a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0642\u0628\u0644 \u0637\u0631\u062d \u0627\u0644\u0645\u0646\u062a\u062c \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0641\u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0627\u062e\u062a\u0628\u0627\u0631 \u0639\u062f\u062f \u0645\u062d\u062f\u0648\u062f \u0645\u0646 \u0627\u0644\u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629\u060c \u0623\u0635\u0628\u062d \u0628\u0627\u0644\u0625\u0645\u0643\u0627\u0646 \u062a\u0648\u0644\u064a\u062f \u0622\u0644\u0627\u0641 \u0627\u0644\u0633\u064a\u0646\u0627\u0631\u064a\u0648\u0647\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0644\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629\u060c \u0648\u062a\u062d\u0644\u064a\u0644 \u0643\u064a\u0641\u064a\u0629 \u0645\u0644\u0627\u0626\u0645\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0643\u0644 \u0633\u064a\u0646\u0627\u0631\u064a\u0648. \u0648\u064a\u0633\u0627\u0639\u062f \u0630\u0644\u0643 \u0639\u0644\u0649 \u0627\u0643\u062a\u0634\u0627\u0641 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u064a\u0646\u062a\u062c \u0639\u0646\u0647\u0627 Basis Risk \u0645\u0631\u062a\u0641\u0639 \u0642\u0628\u0644 \u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u0645\u0646\u062a\u062c \u0641\u0639\u0644\u064a\u064b\u0627.
\n\u0643\u0630\u0644\u0643 \u0628\u062f\u0623\u062a \u0628\u0639\u0636 \u0634\u0631\u0643\u0627\u062a \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0645\u0627 \u064a\u0639\u0631\u0641 \u0628\u0627\u0633\u0645 \u062e\u0631\u0627\u0626\u0637 \u0627\u0644\u0640 (Basis Risk Mapping)\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062e\u062f\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0623\u0643\u062b\u0631 \u0639\u0631\u0636\u0629 \u0644\u0644\u062e\u0633\u0627\u0631\u0629. \u0648\u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0647\u0630\u0647 \u0627\u0644\u062e\u0631\u0627\u0626\u0637 \u0623\u062b\u0646\u0627\u0621 \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0639\u0627\u064a\u0631\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u0623\u0648 \u0634\u0631\u0648\u0637 \u062e\u0627\u0635\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u0631\u0641\u0639 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0645\u0646\u062a\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u0649 \u0648\u062a\u062d\u0633\u064a\u0646 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.
\n\u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u0623\u0646 \u062a\u0646\u062a\u0642\u0644 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0645\u0646 \u0645\u062c\u0631\u062f \u0645\u062d\u0627\u0648\u0644\u0629 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0640 Basis Risk \u0625\u0644\u0649 \u0628\u0646\u0627\u0621 \u0645\u0646\u062a\u062c\u0627\u062a \u062a\u0633\u062a\u0637\u064a\u0639 \u0642\u064a\u0627\u0633 \u0647\u0630\u0627 \u0627\u0644\u062e\u0637\u0631 \u0648\u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646\u0647 \u0628\u0635\u0648\u0631\u0629 \u0645\u0633\u062a\u0645\u0631\u0629\u060c \u0628\u062d\u064a\u062b \u064a\u0635\u0628\u062d \u0627\u0644\u0640 Basis Risk \u0646\u0641\u0633\u0647 \u0645\u0624\u0634\u0631\u064b\u0627 \u0631\u0626\u064a\u0633\u064a\u064b\u0627 \u0645\u0646 \u0645\u0624\u0634\u0631\u0627\u062a \u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a (KPI)\u060c \u0648\u0647\u0648 \u0627\u062a\u062c\u0627\u0647 \u0628\u062f\u0623\u062a \u0628\u0639\u0636 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629 \u0641\u064a \u062a\u0628\u0646\u064a\u0647 \u0636\u0645\u0646 \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629
\n\u062f\u0645\u062c \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621
\n\u064a\u0634\u0647\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u062d\u0627\u0644\u064a\u064b\u0627 \u062a\u062d\u0648\u0644\u064b\u0627 \u0645\u0647\u0645\u064b\u0627 \u064a\u062a\u0645\u062b\u0644 \u0641\u064a \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0631\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0644\u062d\u0638\u064a\u0629\u060c \u0648\u0630\u0644\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062f\u0645\u062c \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0623\u062c\u0647\u0632\u0629 \u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621. \u0648\u0642\u062f \u0633\u0627\u0647\u0645 \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0648\u0631 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0642\u062f\u0631\u0629 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0645\u0631 \u0648\u062a\u062d\u0633\u064a\u0646 \u0633\u0631\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0645\u0624\u0645\u0646 \u0636\u062f\u0647\u0627.
\n\u0648\u0641\u064a \u0627\u0644\u0633\u0627\u0628\u0642\u060c \u0643\u0627\u0646\u062a \u0639\u0645\u0644\u064a\u0629 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u062a\u0639\u062a\u0645\u062f \u0628\u0634\u0643\u0644 \u0631\u0626\u064a\u0633\u064a \u0639\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0631\u0635\u062f \u0623\u0648 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062f\u0648\u0631\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0635\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u0642\u062f \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0648\u062c\u0648\u062f \u0641\u062c\u0648\u0629 \u0632\u0645\u0646\u064a\u0629 \u0628\u064a\u0646 \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u062f\u062b \u0648\u062a\u0648\u0627\u0641\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631. \u0623\u0645\u0627 \u0627\u0644\u064a\u0648\u0645\u060c \u0641\u0642\u062f \u0623\u0635\u0628\u062d \u0628\u0627\u0644\u0625\u0645\u0643\u0627\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0635\u0648\u0631 \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0627\u0633\u062a\u0634\u0639\u0627\u0631 \u0627\u0644\u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0628\u0635\u0648\u0631\u0629 \u0634\u0628\u0647 \u0641\u0648\u0631\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u062a\u0648\u0644\u0649 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u062d\u0644\u064a\u0644 \u0647\u0630\u0647 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0633\u062a\u062e\u0644\u0627\u0635 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0642\u064a\u0642\u064a.
\n\u0648\u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0634\u0639\u0627\u0631 \u0627\u0644\u0630\u0643\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0637\u0627\u0642\u0629 \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629. \u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u0632\u0648\u064a\u062f \u0627\u0644\u0645\u0646\u0634\u0622\u062a \u0628\u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u0634\u0639\u0631\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0642\u064a\u0627\u0633 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0645\u062b\u0644 \u062f\u0631\u062c\u0627\u062a \u0627\u0644\u062d\u0631\u0627\u0631\u0629 \u0648\u0627\u0644\u0631\u0637\u0648\u0628\u0629 \u0648\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u064a\u0627\u0647 \u0648\u0633\u0631\u0639\u0627\u062a \u0627\u0644\u0631\u064a\u0627\u062d \u0648\u0627\u0644\u0627\u0647\u062a\u0632\u0627\u0632\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629. \u0648\u062a\u0642\u0648\u0645 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u0631\u0628\u0637 \u0647\u0630\u0647 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0645\u0646 \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0644\u0628\u0646\u0627\u0621 \u0635\u0648\u0631\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0639\u0646 \u062d\u0627\u0644\u0629 \u0627\u0644\u0623\u0635\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0648\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0630\u064a \u064a\u0648\u0627\u062c\u0647.<\/p>\n
\u0643\u0645\u0627 \u0638\u0647\u0631\u062a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062a\u062c\u062f\u062f\u0629\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u062f\u0645\u062c \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0625\u0634\u0639\u0627\u0639 \u0627\u0644\u0634\u0645\u0633\u064a \u0623\u0648 \u062d\u0631\u0643\u0629 \u0627\u0644\u0631\u064a\u0627\u062d \u0645\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0641\u0639\u0644\u064a \u0644\u0644\u0623\u0635\u0648\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u062c\u0647\u0632\u0629 \u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0645\u062b\u0628\u062a\u0629 \u062f\u0627\u062e\u0644 \u0627\u0644\u0645\u062d\u0637\u0627\u062a. \u0648\u064a\u0645\u0643\u0651\u0646 \u0630\u0644\u0643 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u0645\u062a\u0627\u0628\u0639\u0629 \u0627\u0644\u0638\u0631\u0648\u0641 \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0628\u0635\u0648\u0631\u0629 \u0645\u0633\u062a\u0645\u0631\u0629\u060c \u0648\u062a\u0642\u064a\u064a\u0645 \u0645\u062f\u0649 \u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0648\u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0627\u0646\u062a\u0638\u0627\u0631 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0639\u0627\u064a\u0646\u0627\u062a \u0627\u0644\u0645\u064a\u062f\u0627\u0646\u064a\u0629.
\n\u0648\u064a\u0639\u0643\u0633 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u062a\u062d\u0648\u0644\u064b\u0627 \u0623\u0648\u0633\u0639 \u062f\u0627\u062e\u0644 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0646\u062d\u0648 \u0628\u0646\u0627\u0621 \u0645\u0646\u0638\u0648\u0645\u0627\u062a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0646\u0642\u0627\u0637 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646\u0641\u0635\u0644\u0629. \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0624\u062f\u064a \u0647\u0630\u0627 \u0627\u0644\u062a\u0637\u0648\u0631 \u0625\u0644\u0649 \u0638\u0647\u0648\u0631 \u062c\u064a\u0644 \u062c\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0635\u0648\u0631\u0629 \u0644\u062d\u0638\u064a\u0629\u060c \u0648\u0631\u0641\u0639 \u0643\u0641\u0627\u0621\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u062e\u0637\u0627\u0631\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u0633\u0631\u0639\u0629 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u060c \u0628\u0645\u0627 \u064a\u0639\u0632\u0632 \u0645\u0646 \u0642\u062f\u0631\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629.
\n\u064a\u064f\u0639\u062f \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a\u0629 \u0623\u062d\u062f \u0623\u0628\u0631\u0632 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0634\u0647\u062f\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u062d\u0627\u0644\u064a\u064b\u0627\u060c \u062d\u064a\u062b \u0644\u0645 \u064a\u0639\u062f \u062f\u0648\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0642\u062a\u0635\u0631\u064b\u0627 \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0628\u0644 \u0627\u0645\u062a\u062f \u0644\u064a\u0634\u0645\u0644 \u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0635\u0648\u0631\u0629 \u0634\u0628\u0647 \u0641\u0648\u0631\u064a\u0629 \u0628\u0645\u062c\u0631\u062f \u062a\u062d\u0642\u0642 \u0634\u0631\u0648\u0637 \u0627\u0644\u0648\u062b\u064a\u0642\u0629. \u0648\u064a\u064f\u0646\u0638\u0631 \u0625\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0628\u0627\u0639\u062a\u0628\u0627\u0631\u0647 \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0627\u0644\u0630\u064a \u064a\u062a\u0637\u0644\u0628 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0645\u0639\u0627\u064a\u0646\u0629 \u0648\u062a\u0633\u0648\u064a\u0629 \u0642\u062f \u062a\u0633\u062a\u063a\u0631\u0642 \u0623\u0633\u0627\u0628\u064a\u0639 \u0623\u0648 \u0623\u0634\u0647\u0631.
\n\u0648\u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0638\u0647\u0648\u0631 \u0645\u0641\u0647\u0648\u0645 Straight-Through Processing (STP)\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u0631\u062d\u0644\u0629 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0645\u0646 \u0644\u062d\u0638\u0629 \u0648\u0635\u0648\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062d\u062a\u0649 \u0625\u0635\u062f\u0627\u0631 \u0642\u0631\u0627\u0631 \u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636. \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0646\u0645\u0627\u0630\u062c\u060c \u064a\u062a\u0648\u0644\u0649 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0645\u0642\u0627\u0631\u0646\u062a\u0647\u0627 \u0628\u0634\u0631\u0648\u0637 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0645\u0631\u0627\u062c\u0639\u0629 \u062d\u062f\u0648\u062f \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0648\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0646\u0647\u0627\u0626\u064a \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062a\u062f\u062e\u0644 \u0628\u0634\u0631\u064a \u0625\u0644\u0627 \u0641\u064a \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629. \u0648\u0642\u062f \u0628\u062f\u0623\u062a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062f\u0645\u062c \u0647\u0630\u0647 \u0627\u0644\u0622\u0644\u064a\u0627\u062a \u062f\u0627\u062e\u0644 \u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0627 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0628\u0647\u062f\u0641 \u062a\u0633\u0631\u064a\u0639 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.
\n\u0648\u0645\u0646 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u0628\u062f\u0623\u062a \u062a\u0643\u062a\u0633\u0628 \u0627\u0647\u062a\u0645\u0627\u0645\u064b\u0627 \u0645\u062a\u0632\u0627\u064a\u062f\u064b\u0627 \u0643\u0630\u0644\u0643 \u0631\u0628\u0637 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0628\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0628\u062d\u064a\u062b \u064a\u062a\u0645 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0625\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u064a\u0646 \u0641\u0648\u0631 \u062a\u062d\u0642\u0642 \u0627\u0644\u062d\u062f\u062b \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647. \u0648\u064a\u0643\u062a\u0633\u0628 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0623\u0647\u0645\u064a\u0629 \u062e\u0627\u0635\u0629 \u0641\u064a \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c \u062d\u064a\u062b \u062a\u0645\u062b\u0644 \u0633\u0631\u0639\u0629 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0639\u0646\u0635\u0631\u064b\u0627 \u062d\u0627\u0633\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u062d\u062f \u0645\u0646 \u0622\u062b\u0627\u0631 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629.
\n\u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0634\u0647\u062f \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u062a\u0648\u0633\u0639\u064b\u0627 \u0623\u0643\u0628\u0631 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0643\u0640”\u0645\u062d\u0631\u0643 \u062a\u0634\u063a\u064a\u0644” \u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u060c \u0628\u062d\u064a\u062b \u064a\u0635\u0628\u062d \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u0627\u0644\u0635\u0631\u0641 \u0639\u0645\u0644\u064a\u0627\u062a \u0645\u062a\u0631\u0627\u0628\u0637\u0629 \u062a\u062a\u0645 \u0628\u0635\u0648\u0631\u0629 \u0622\u0644\u064a\u0629 \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0627 \u0633\u064a\u0639\u0632\u0632 \u0645\u0646 \u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u064a\u0631\u0641\u0639 \u0645\u0646 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0627\u0644\u062a\u064a \u064a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.<\/p>\n
\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a
\n1. \u0645\u062d\u062f\u0648\u062f\u064a\u0629 \u062c\u0648\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u0643\u0627\u0645\u0644\u0647\u0627
\n\u064a\u0639\u062a\u0645\u062f \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0639\u0644\u0649 \u0643\u0645\u064a\u0627\u062a \u0636\u062e\u0645\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0648\u062a\u062d\u0633\u064a\u0646 \u062f\u0642\u062a\u0647\u0627\u060c \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u0639\u0627\u0646\u064a \u0645\u0646 \u0646\u0642\u0635 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0623\u0648 \u0639\u062f\u0645 \u062a\u062c\u0627\u0646\u0633\u0647\u0627 \u0628\u064a\u0646 \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629. \u0643\u0645\u0627 \u0623\u0646 \u062f\u0645\u062c \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0645\u0646 \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0627\u0633\u062a\u0634\u0639\u0627\u0631 \u0648\u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0642\u062f \u064a\u062e\u0644\u0642 \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u062f\u0642\u0629 \u0648\u0627\u0644\u0627\u062a\u0633\u0627\u0642\u060c \u0648\u0647\u0648 \u0645\u0627 \u0642\u062f \u064a\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u062c\u0648\u062f\u0629 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0648\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u064a\u0647\u0627 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646.
\n2. \u0635\u0639\u0648\u0628\u0629 \u062a\u0641\u0633\u064a\u0631 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a
\n\u062a\u0639\u062a\u0645\u062f \u0628\u0639\u0636 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062d\u062f\u064a\u062b\u0629\u060c \u062e\u0627\u0635\u0629 \u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0639\u0645\u064a\u0642\u060c \u0639\u0644\u0649 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0645\u0639\u0642\u062f\u0629 \u064a\u0635\u0639\u0628 \u062a\u0641\u0633\u064a\u0631 \u0637\u0631\u064a\u0642\u0629 \u0648\u0635\u0648\u0644\u0647\u0627 \u0625\u0644\u0649 \u0627\u0644\u0646\u062a\u0627\u0626\u062c. \u0648\u064a\u0634\u0643\u0644 \u0630\u0644\u0643 \u062a\u062d\u062f\u064a\u064b\u0627 \u0623\u0645\u0627\u0645 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0646\u062f \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062a\u0648\u0636\u064a\u062d \u0623\u0633\u0628\u0627\u0628 \u0628\u0639\u0636 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0623\u0648 \u0644\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u0627\u0644\u0645\u0633\u0627\u0626\u0644 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0623\u0648 \u062a\u062d\u062f\u064a\u062f \u0634\u0631\u0648\u0637 \u0627\u0644\u062a\u063a\u0637\u064a\u0629.
\n3. \u0627\u0644\u062a\u062d\u064a\u0632 \u0627\u0644\u062e\u0648\u0627\u0631\u0632\u0645\u064a (Algorithmic Bias)
\n\u0625\u0630\u0627 \u062a\u0645 \u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0639\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0645\u0643\u062a\u0645\u0644\u0629 \u0623\u0648 \u0645\u0646\u062d\u0627\u0632\u0629\u060c \u0641\u0642\u062f \u062a\u0646\u0639\u0643\u0633 \u0647\u0630\u0647 \u0627\u0644\u0627\u0646\u062d\u064a\u0627\u0632\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629. \u0648\u0642\u062f \u064a\u0624\u062f\u064a \u0630\u0644\u0643 \u0625\u0644\u0649 \u062a\u0642\u064a\u064a\u0645 \u063a\u064a\u0631 \u062f\u0642\u064a\u0642 \u0644\u0628\u0639\u0636 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0623\u0648 \u0625\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0646\u062a\u0627\u0626\u062c \u0644\u0627 \u062a\u0639\u0643\u0633 \u0627\u0644\u0648\u0627\u0642\u0639 \u0628\u0635\u0648\u0631\u0629 \u0645\u062a\u0648\u0627\u0632\u0646\u0629\u060c \u0645\u0645\u0627 \u064a\u0641\u0631\u0636 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0636\u0631\u0648\u0631\u0629 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629 \u0644\u0644\u0646\u0645\u0627\u0630\u062c \u0648\u0627\u062e\u062a\u0628\u0627\u0631\u0647\u0627 \u0628\u0635\u0648\u0631\u0629 \u062f\u0648\u0631\u064a\u0629.
\n4. \u0627\u0631\u062a\u0641\u0627\u0639 \u062a\u0643\u0644\u0641\u0629 \u062a\u0637\u0648\u064a\u0631 \u0648\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0630\u0643\u064a\u0629
\n\u064a\u062a\u0637\u0644\u0628 \u0628\u0646\u0627\u0621 \u0646\u0645\u0627\u0630\u062c \u0630\u0643\u0627\u0621 \u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u062a\u0642\u062f\u0645\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0643\u0628\u064a\u0631\u0629 \u0641\u064a \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0648\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062e\u0628\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629. \u0648\u0642\u062f \u064a\u0645\u062b\u0644 \u0630\u0644\u0643 \u062a\u062d\u062f\u064a\u064b\u0627 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0627\u0644\u062a\u064a \u062a\u0645\u062a\u0644\u0643 \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0648\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0623\u0643\u0628\u0631.
\n5. \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a
\n\u0623\u0635\u0628\u062d\u062a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0639\u062a\u0645\u062f \u0628\u0635\u0648\u0631\u0629 \u0645\u062a\u0632\u0627\u064a\u062f\u0629 \u0639\u0644\u0649 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u0648\u0645\u0642\u062f\u0645\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u064a\u0629. \u0648\u064a\u0624\u062f\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0641\u064a \u062d\u0627\u0644 \u062d\u062f\u0648\u062b \u062e\u0644\u0644 \u0641\u064a \u062a\u062f\u0641\u0642 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648 \u062a\u0648\u0642\u0641 \u0625\u062d\u062f\u0649 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0623\u0648 \u0627\u0646\u062e\u0641\u0627\u0636 \u062c\u0648\u062f\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0627\u0644\u0646\u0645\u0627\u0630\u062c.<\/p>\n
6. \u0646\u0642\u0635 \u0627\u0644\u0643\u0641\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629
\n\u064a\u062a\u0637\u0644\u0628 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u062a\u0648\u0627\u0641\u0631 \u062e\u0628\u0631\u0627\u062a \u062a\u062c\u0645\u0639 \u0628\u064a\u0646 \u0639\u0644\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0627\u0643\u062a\u0648\u0627\u0631\u064a \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0639\u0644\u0648\u0645 \u0627\u0644\u0645\u0646\u0627\u062e. \u0648\u0645\u0639 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0633\u0631\u064a\u0639 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0627\u0633\u062a\u0642\u0637\u0627\u0628 \u0627\u0644\u0643\u0641\u0627\u0621\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0648\u0625\u062f\u0627\u0631\u062a\u0647\u0627 \u0648\u0645\u0631\u0627\u062c\u0639\u062a\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0645\u0631.
\n7. \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u0629
\n\u062a\u0634\u0647\u062f \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062d\u0627\u0644\u064a\u064b\u0627 \u062a\u0648\u062c\u0647\u064b\u0627 \u0646\u062d\u0648 \u0648\u0636\u0639 \u0623\u0637\u0631 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0623\u0643\u062b\u0631 \u0635\u0631\u0627\u0645\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629. \u0648\u064a\u0633\u062a\u0644\u0632\u0645 \u0630\u0644\u0643 \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0637\u0648\u064a\u0631 \u0623\u0646\u0638\u0645\u0629 \u0644\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0648\u0627\u0644\u062a\u0648\u062b\u064a\u0642 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0648\u0627\u0645\u062a\u062b\u0627\u0644\u0647\u0627 \u0644\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629.
\n\u0631\u063a\u0645 \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u0635\u0628\u062d \u0623\u062d\u062f \u0627\u0644\u0645\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u060c \u0641\u0625\u0646 \u0646\u062c\u0627\u062d \u062a\u0637\u0628\u064a\u0642\u0647 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639 \u0633\u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0642\u062f\u0631\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a \u062c\u0648\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0646\u0645\u0627\u0630\u062c\u060c \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u060c \u0648\u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0643\u0641\u0627\u0621\u0627\u062a \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629\u060c \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0645\u0632\u0627\u064a\u0627\u0647 \u062f\u0648\u0646 \u0627\u0644\u0625\u062e\u0644\u0627\u0644 \u0628\u062b\u0642\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u0633\u0648\u0642.
\n\u0623\u0645\u062b\u0644\u0629 \u0648\u0627\u0639\u062f\u0629 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a
\n1. \u0634\u0631\u0643\u0629 Flood Flash \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0636\u062f \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a
\n\u062a\u064f\u0639\u062f \u0634\u0631\u0643\u0629 Flood Flash \u0627\u0644\u0628\u0631\u064a\u0637\u0627\u0646\u064a\u0629 \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u062a\u0648\u0638\u064a\u0641 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0636\u062f \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a. \u0648\u062a\u0639\u062a\u0645\u062f \u0627\u0644\u0634\u0631\u0643\u0629 \u0639\u0644\u0649 \u0623\u062c\u0647\u0632\u0629 \u0627\u0633\u062a\u0634\u0639\u0627\u0631 \u0645\u062b\u0628\u062a\u0629 \u0641\u064a \u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0642\u064a\u0627\u0633 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u064a\u0627\u0647 \u0628\u0634\u0643\u0644 \u0644\u062d\u0638\u064a\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u0625\u0631\u0633\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0635\u0648\u0631\u0629 \u0645\u0633\u062a\u0645\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0629\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062e\u062f\u0645 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u062a\u062d\u0644\u064a\u0644 \u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u062a\u062d\u0642\u0642 \u0634\u0631\u0648\u0637 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0641\u0648\u0631 \u062a\u062c\u0627\u0648\u0632 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u064a\u0627\u0647 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.
\n\u0648\u0642\u062f \u0633\u0627\u0647\u0645 \u062f\u0645\u062c \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0639\u062f\u0629 \u062c\u0648\u0627\u0646\u0628 \u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u062c \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u060c \u0645\u0646 \u0623\u0647\u0645\u0647\u0627 \u0632\u064a\u0627\u062f\u0629 \u0633\u0631\u0639\u0629 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u062a\u062f\u062e\u0644 \u0627\u0644\u0628\u0634\u0631\u064a \u0641\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u062f\u062b \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647. \u0648\u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u0639\u0627\u064a\u0646\u0627\u062a \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0642\u062f \u062a\u0633\u062a\u063a\u0631\u0642 \u0623\u064a\u0627\u0645\u064b\u0627 \u0623\u0648 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0623\u0635\u0628\u062d\u062a \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u0644\u062d\u0638\u064a\u0629 \u064a\u062a\u0645 \u062a\u062d\u0644\u064a\u0644\u0647\u0627 \u0628\u0635\u0648\u0631\u0629 \u0622\u0644\u064a\u0629\u060c \u0645\u0645\u0627 \u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u062a\u0633\u0631\u064a\u0639 \u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0648\u062a\u062d\u0633\u064a\u0646 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.
\n\u0643\u0645\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0630\u0643\u064a \u0641\u064a \u062f\u0631\u0627\u0633\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0646\u0645\u0627\u0630\u062c \u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u062d\u062f\u064a\u062f \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0643\u0644 \u0639\u0645\u064a\u0644. \u0648\u0642\u062f \u0633\u0645\u062d \u0630\u0644\u0643 \u0628\u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u0645\u0648\u0627\u0642\u0639 \u0643\u0627\u0646\u062a \u062a\u0648\u0627\u062c\u0647 \u0635\u0639\u0648\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u063a\u0637\u064a\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0631\u062a\u0641\u0627\u0639 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a.<\/p>\n
2. \u0634\u0631\u0643\u0629 Swiss Re \u0648\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0644\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a
\n\u062a\u064f\u0639\u062f \u0634\u0631\u0643\u0629 Swiss Re \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0639\u0627\u0644\u0645\u064a\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u060c \u0648\u0642\u062f \u062a\u0648\u0633\u0639\u062a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u0641\u064a \u062f\u0645\u062c \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0639 CatNet \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627 \u0628\u0647\u062f\u0641 \u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0648\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629. \u0648\u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u062a\u062d\u0644\u064a\u0644 \u0643\u0645\u064a\u0627\u062a \u0636\u062e\u0645\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0635\u0648\u0631 \u0627\u0644\u0623\u0642\u0645\u0627\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0628\u0634\u0643\u0644 \u0644\u062d\u0638\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u0641\u0647\u0645 \u062a\u0637\u0648\u0631 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u0642\u064a\u064a\u0645 \u0622\u062b\u0627\u0631\u0647\u0627 \u0628\u0635\u0648\u0631\u0629 \u0623\u0643\u062b\u0631 \u062f\u0642\u0629.
\n\u0648\u0642\u062f \u0623\u0633\u0647\u0645 \u0647\u0630\u0627 \u0627\u0644\u062a\u0648\u062c\u0647 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0642\u062f\u0631\u0629 Swiss Re \u0639\u0644\u0649 \u062a\u0635\u0645\u064a\u0645 \u0628\u0631\u0627\u0645\u062c \u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629 \u0644\u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0623\u0639\u0627\u0635\u064a\u0631 \u0648\u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u062d\u0631\u0627\u0626\u0642 \u0627\u0644\u063a\u0627\u0628\u0627\u062a\u060c \u062d\u064a\u062b \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u062f\u0645\u062c \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0645\u0646 \u0645\u0635\u0627\u062f\u0631 \u0645\u062a\u0639\u062f\u062f\u0629 \u0648\u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0625\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0643\u062a\u062a\u0627\u0628\u064a\u0647 \u0628\u0635\u0648\u0631\u0629 \u0623\u0633\u0631\u0639 \u0645\u0646 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629.
\n\u0648\u0641\u064a \u0639\u0627\u0645 2026 \u0623\u0639\u0644\u0646\u062a Swiss Re \u0639\u0646 \u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u0634\u0631\u0643\u0629 SAS \u0644\u062f\u0645\u062c \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0645\u0646\u0635\u0629 Cat Net\u060c \u0628\u0647\u062f\u0641 \u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0628\u0635\u0648\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0641\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0648\u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629. \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0639\u0644\u0646\u0629\u060c \u0633\u0627\u0647\u0645\u062a \u0647\u0630\u0647 \u0627\u0644\u062d\u0644\u0648\u0644 \u0641\u064a:
\n– \u0632\u064a\u0627\u062f\u0629 \u0643\u0641\u0627\u0621\u0629 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 95%.
\n– \u062a\u062d\u0633\u064a\u0646 \u0643\u0641\u0627\u0621\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0646\u0645\u0630\u062c\u0629 \u0628\u0646\u062d\u0648 50%.
\n– \u062a\u0645\u0643\u064a\u0646 \u0641\u0631\u0642 \u0627\u0644\u0627\u0643\u062a\u062a\u0627\u0628 \u0645\u0646 \u062f\u0631\u0627\u0633\u0629 \u0639\u062f\u062f \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0628\u0646\u062d\u0648 40%\u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0641\u0633 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629.
\n\u0644\u0627 \u062a\u0643\u0645\u0646 \u0623\u0647\u0645\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0641\u064a \u0633\u0631\u0639\u0629 \u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0641\u0642\u0637\u060c \u0648\u0625\u0646\u0645\u0627 \u0641\u064a \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u0635\u0628\u062d \u062c\u0632\u0621\u064b\u0627 \u0645\u0646 \u062f\u0648\u0631\u0629 \u0627\u0644\u0639\u0645\u0644 \u0628\u0627\u0644\u0643\u0627\u0645\u0644\u060c \u0628\u062f\u0621\u064b\u0627 \u0645\u0646 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u062a\u063a\u0637\u064a\u0629\u060c \u0645\u0631\u0648\u0631\u064b\u0627 \u0628\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u060c \u0648\u0627\u0646\u062a\u0647\u0627\u0621\u064b \u0628\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0635\u0648\u0631\u0629 \u0622\u0644\u064a\u0629. \u0648\u064a\u0639\u0643\u0633 \u0630\u0644\u0643 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u062d\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0646\u062d\u0648 \u0628\u0646\u0627\u0621 \u0645\u0646\u062a\u062c\u0627\u062a \u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629 \u0623\u0643\u062b\u0631 \u0643\u0641\u0627\u0621\u0629 \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a
\n\u0631\u0623\u064a \u0627\u0644\u0627\u062a\u062d\u0627\u062f
\n\u064a\u0631\u0649 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u0635\u0628\u062d \u0623\u062d\u062f \u0623\u0647\u0645 \u0627\u0644\u0645\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0641\u064a \u0638\u0644 \u0645\u0627 \u064a\u0634\u0647\u062f\u0647 \u0627\u0644\u0639\u0627\u0644\u0645 \u0645\u0646 \u062a\u0632\u0627\u064a\u062f \u0645\u0644\u062d\u0648\u0638 \u0641\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u0645\u0627 \u064a\u0635\u0627\u062d\u0628 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062a\u0635\u0645\u064a\u0645 \u0645\u0646\u062a\u062c\u0627\u062a \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0623\u0643\u062b\u0631 \u0645\u0631\u0648\u0646\u0629 \u0648\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u0629\u060c \u0648\u0642\u062f \u0623\u0633\u0647\u0645\u062a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u0641\u064a \u0625\u062d\u062f\u0627\u062b \u0646\u0642\u0644\u0629 \u0646\u0648\u0639\u064a\u0629 \u0641\u064a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u060c \u0628\u062f\u0621\u064b\u0627 \u0645\u0646 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0645\u0631\u0648\u0631\u064b\u0627 \u0628\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u0629\u060c \u0648\u0635\u0648\u0644\u064b\u0627 \u0625\u0644\u0649 \u062f\u0639\u0645 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0648\u0633\u0631\u0639\u0629 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a .
\n\u0648\u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a\u060c \u062a\u0633\u062a\u0636\u064a\u0641 \u0645\u0635\u0631 \u062d\u0627\u0644\u064a\u064b\u0627 \u0631\u0626\u0627\u0633\u0629 \u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0641\u0631\u064a\u0642\u064a\u0629\u060c \u0648\u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u062f\u0648\u0631 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0641\u064a \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u062e\u0628\u0631\u0627\u062a \u062d\u0648\u0644 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a \u062e\u0627\u0635\u0629 \u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0623\u0641\u0631\u064a\u0642\u064a\u0629. \u0648\u064a\u0633\u0647\u0645 \u0647\u0630\u0627 \u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0631\u0626\u0627\u0633\u064a \u0641\u064a \u0641\u062a\u062d \u0622\u0641\u0627\u0642 \u0623\u0648\u0633\u0639 \u0644\u0644\u062d\u0648\u0627\u0631 \u0627\u0644\u0645\u0647\u0646\u064a\u060c \u0648\u0646\u0642\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0646\u0627\u062c\u062d\u0629\u060c \u0648\u062f\u0639\u0645 \u0628\u0646\u0627\u0621 \u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0642\u0627\u0631\u0629\u060c \u0628\u0645\u0627 \u064a\u0639\u0632\u0632 \u0645\u0646 \u0642\u062f\u0631\u0629 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0627\u0644\u0641\u0627\u0639\u0644\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0648\u0645\u0633\u062a\u062f\u0627\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0623\u0641\u0631\u064a\u0642\u064a.
\n\u0648\u064a\u0624\u0643\u062f \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0623\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u062a\u0637\u0644\u0628 \u062a\u0648\u0627\u0641\u0631 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0642\u0648\u0645\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u0648\u0641\u064a \u0645\u0642\u062f\u0645\u062a\u0647\u0627 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u062c\u0648\u062f\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u0648\u0627\u0641\u0631\u0647\u0627\u060c \u0648\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0628\u0646\u0627\u0621 \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u0641\u0646\u064a\u0629 \u0644\u0644\u0639\u0627\u0645\u0644\u064a\u0646 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u062f\u0639\u0645 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0628\u064a\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0645\u0642\u062f\u0645\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0628\u062d\u062b\u064a\u0629 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629.
\n\u0648\u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0630\u0627\u062a\u0647\u060c \u064a\u0634\u062f\u062f \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0639\u0644\u0649 \u0623\u0647\u0645\u064a\u0629 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0628\u064a\u0646 \u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0628\u064a\u0646 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0639\u0632\u064a\u0632 \u062b\u0642\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u062e\u0627\u0635\u0629 \u0641\u064a \u0638\u0644 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u0629 \u0627\u0644\u062a\u064a \u064a\u0634\u0647\u062f\u0647\u0627 \u0627\u0644\u0642\u0637\u0627\u0639\u060c \u0643\u0645\u0627 \u064a\u062a\u0648\u0642\u0639 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0623\u0646 \u064a\u0635\u0628\u062d \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u0639\u0646\u0635\u0631\u064b\u0627 \u0623\u0633\u0627\u0633\u064a\u064b\u0627 \u0641\u064a \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0627\u0645\u062a\u0631\u064a\u060c \u0644\u064a\u0633 \u0641\u0642\u0637 \u0643\u0623\u062f\u0627\u0629 \u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u0625\u0646\u0645\u0627 \u0643\u0634\u0631\u064a\u0643 \u0631\u0626\u064a\u0633\u064a \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062f\u0639\u0645 \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644. \u0648\u0645\u0646 \u062b\u0645 \u0641\u0625\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u064a\u0645\u062b\u0644 \u0641\u0631\u0635\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u062a\u0639\u0632\u064a\u0632 \u0642\u062f\u0631\u0629 \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629\u060c \u0648\u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u062c\u0647\u0648\u062f \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629<\/p>\n
\u0627\u0644\u0645\u0635\u0627\u062f\u0631:<\/p>\n
https:\/\/www.mordorintelligence.com\/industry-reports\/parametric-insurance-market?network=g&source_campaign=&matchtype=&device=c&utm_source=google&utm_medium=cpc&utm_term=&utm_campaign=DynamicAd3July26&hsa_acc=5298956608&hsa_cam=24041533679&hsa_grp=198147092763&hsa_ad=817632784246&hsa_src=g&hsa_tgt=dsa-19959388920&hsa_kw=&hsa_mt=&hsa_net=adwords&hsa_ver=3&gad_source=1&gad_campaignid=24041533679&gbraid=0AAAAADm-AlzVp8Njj0S2BncPtEb_nRbIY&gclid=EAIaIQobChMI496Pv9iBlgMVMZVoCR2_kxNiEAAYAiAAEgLxCvD_BwE
\nhttps:\/\/www.researchandmarkets.com\/reports\/6103797\/parametric-insurance-market-report<\/p>\n
Parametric Insurance: The Climate Disaster Growth Market in 2026<\/a><\/p><\/blockquote>\n