{"id":32889,"date":"2025-06-17T14:25:25","date_gmt":"2025-06-17T10:25:25","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/?p=32889"},"modified":"2026-02-05T17:58:36","modified_gmt":"2026-02-05T13:58:36","slug":"rogor-davukavshirot-investitsiebi-chvens-miznebs-da-rogor-vimokmedot-chkvianurad","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/finansuri-ganatleba\/rogor-davukavshirot-investitsiebi-chvens-miznebs-da-rogor-vimokmedot-chkvianurad\/","title":{"rendered":"\u10e0\u10dd\u10d2\u10dd\u10e0 \u10e8\u10d4\u10d5\u10d0\u10e0\u10e9\u10d8\u10dd\u10d7 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7"},"content":{"rendered":"\n<p>\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10e0\u10d4\u10d1\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d8\u10e1 \u10db\u10dd\u10de\u10dd\u10d5\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1 \u2212 \u10d8\u10e1 \u10e9\u10d5\u10d4\u10dc\u10d8 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10db\u10eb\u10da\u10d0\u10d5\u10e0\u10d8 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d8\u10d0. \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10e8\u10d4\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10d8\u10db\u10d0\u10e1, \u10d7\u10e3 \u10e0\u10d0 \u10d2\u10d5\u10e1\u10e3\u10e0\u10e1 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8 \u2212 \u10d5\u10d8\u10e1\u10ec\u10d0\u10d5\u10da\u10dd\u10d7? \u10d5\u10d8\u10e8\u10dd\u10d5\u10dd\u10d7 \u10d1\u10d8\u10dc\u10d0? \u10d5\u10d8\u10ea\u10ee\u10dd\u10d5\u10e0\u10dd\u10d7 \u10db\u10e8\u10d5\u10d8\u10d3\u10d0\u10d3 \u10de\u10d4\u10dc\u10e1\u10d8\u10d0\u10d6\u10d4 \u10d2\u10d0\u10e1\u10d5\u10da\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2?<\/p>\n\n\n\n<p>\u10d0\u10db\u10d0\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0, \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d0\u10d3 \u10e8\u10d4\u10d5\u10d0\u10e4\u10d0\u10e1\u10dd\u10d7 \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8. \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10e1 \u10d8\u10d6\u10d8\u10d3\u10d0\u10d5\u10e1, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d8\u10e1 \u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d2\u10d0\u10e3\u10e0\u10d9\u10d5\u10d4\u10d5\u10da\u10dd\u10d1\u10d8\u10e1 \u10e4\u10d0\u10e1\u10d0\u10d3 \u10db\u10dd\u10d3\u10d8\u10e1.<\/p>\n\n\n\n<p>\u10db\u10dd\u10d3\u10d8\u10d7, \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10dd\u10d7 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da\u10d8 \u10e0\u10e9\u10d4\u10d5\u10d4\u10d1\u10d8 \u2212 \u10e0\u10dd\u10d2\u10dd\u10e0 \u10db\u10dd\u10d5\u10d0\u10e0\u10d2\u10dd\u10d7 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8 \u10e1\u10ec\u10dd\u10e0\u10d0\u10d3 \u10e9\u10d5\u10d4\u10dc\u10e1 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1\u10d0\u10d3\u10db\u10d8 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. \u10e8\u10d4\u10d0\u10e4\u10d0\u10e1\u10d4 \u10e8\u10d4\u10dc\u10d8 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d3\u10e0\u10dd\u10d8\u10e1 \u10f0\u10dd\u10e0\u10d8\u10d6\u10dd\u10dc\u10e2\u10d8<\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li>\u10d7\u10e3 \u10e4\u10e3\u10da\u10e1 \u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1 <strong>\u10db\u10dd\u10d9\u10da\u10d4\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8 <\/strong>\u10db\u10d8\u10d6\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, 1-2 \u10ec\u10d4\u10da\u10d8\u10ec\u10d0\u10d3\u10e8\u10d8 \u10d1\u10d8\u10dc\u10d8\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d0\u10d3\u10d8 \u10e8\u10d4\u10dc\u10d0\u10e2\u10d0\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10d0\u10e0 \u10e6\u10d8\u10e0\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0\u10e8\u10d8 \u10e4\u10e3\u10da\u10d8\u10e1 \u10d3\u10d0\u10d1\u10d0\u10dc\u10d3\u10d4\u10d1\u10d0. \u10d0\u10db \u10d3\u10e0\u10dd\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10d9\u10d0\u10de\u10d8\u10e2\u10d0\u10da\u10d8\u10e1 \u10e8\u10d4\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10da\u10d8\u10d9\u10d5\u10d8\u10d3\u10e3\u10e0\u10dd\u10d1\u10d0<\/li>\n\n\n\n<li>\u10d7\u10e3 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8 <strong>\u10d2\u10e0\u10eb\u10d4\u10da\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8\u10d0<\/strong>, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10de\u10d4\u10dc\u10e1\u10d8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d0\u10d6\u10dd\u10d2\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0, \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0 \u10d0\u10d8\u10e2\u10d0\u10dc\u10dd \u10d1\u10d0\u10d6\u10e0\u10d8\u10e1 \u10d3\u10e0\u10dd\u10d4\u10d1\u10d8\u10d7\u10d8 \u10e0\u10e7\u10d4\u10d5\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d0\u10d8\u10e0\u10e9\u10d8\u10dd \u10d0\u10e5\u10e2\u10d8\u10d5\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d3\u10e0\u10dd\u10d7\u10d0 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e4\u10d0\u10e1\u10e1 \u10d6\u10e0\u10d3\u10d8\u10d0\u10dc, \u10d7\u10e3\u10dc\u10d3\u10d0\u10ea \u10db\u10dd\u10d9\u10da\u10d4\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d0\u10d3 \u10e9\u10d0\u10d5\u10d0\u10e0\u10d3\u10dc\u10d4\u10d1\u10d8 \u10f0\u10e5\u10dd\u10dc\u10d3\u10d4\u10d7<\/li>\n<\/ul>\n\n\n\n<p><strong>\u10e0\u10e9\u10d4\u10d5\u10d0<\/strong>: \u10d3\u10d0\u10e7\u10d0\u10d5\u10d8 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d4\u10d1\u10d0\u10d3 (\u10db\u10dd\u10d9\u10da\u10d4, \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d3\u10d0 \u10d2\u10e0\u10eb\u10d4\u10da\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8) \u10d3\u10d0 \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e8\u10d4\u10d0\u10e0\u10e9\u10d8\u10d4 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d8 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. \u10e0\u10d8\u10e1\u10d9\u10d8 \u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8: \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d3\u10d0\u10d5\u10d8\u10ea\u10d5\u10d0\u10d7 \u10d1\u10d0\u10da\u10d0\u10dc\u10e1\u10d8<\/h2>\n\n\n\n<p>\u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e0\u10d8\u10e1\u10d9\u10d8 = \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d8\u10e1 \u10e8\u10d0\u10dc\u10e1\u10d8, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d3\u10d8\u10d3\u10d8\u10d0 \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10d8\u10e1 \u10e0\u10d8\u10e1\u10d9\u10d8, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li>\u10d9\u10e0\u10d8\u10de\u10e2\u10dd\u10d5\u10d0\u10da\u10e3\u10e2\u10d0, \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d4\u10d1\u10d8, \u10d3\u10d0\u10d1\u10d0\u10da\u10e4\u10d0\u10e1\u10d8\u10d0\u10dc\u10d8 \u10d0\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8 \u2212 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10d0\u10e1\u10d4\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8 \u10d8\u10e7\u10dd\u10e1, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10e1\u10e0\u10e3\u10da\u10d0\u10d3 \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10dd \u10d7\u10d0\u10dc\u10ee\u10d0<\/li>\n\n\n\n<li>\u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10dd\u10d1\u10da\u10d8\u10d2\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8, \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d0\u10dc\u10d0\u10d1\u10e0\u10d4\u10d1\u10d8 \u2212 \u10d1\u10d4\u10d5\u10e0\u10d0\u10d3 \u10e3\u10e4\u10e0\u10dd \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd\u10d0, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10d4\u10da\u10d8 \u10d0\u10e5\u10d5\u10e1<\/li>\n<\/ul>\n\n\n\n<p><strong>\u10e0\u10e9\u10d4\u10d5\u10d0:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li>\u10d2\u10d0\u10d3\u10d0\u10ee\u10d4\u10d3\u10d4 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1\u10d0\u10d3\u10db\u10d8 \u10e8\u10d4\u10dc\u10e1 \u10e2\u10dd\u10da\u10d4\u10e0\u10d0\u10dc\u10e2\u10dd\u10d1\u10d0\u10e1: \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d0\u10d3 \u10ee\u10d0\u10e0 \u10db\u10d6\u10d0\u10d3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d0\u10d3 \u10d3\u10d0 \u10d4\u10db\u10dd\u10ea\u10d8\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d0\u10e3\u10eb\u10da\u10dd \u10d3\u10d0\u10dc\u10d0\u10d9\u10d0\u10e0\u10d2\u10e1?<\/li>\n\n\n\n<li>\u10d7\u10e3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d0 \u10e8\u10d4\u10dc\u10d7\u10d5\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0, \u10d0\u10ef\u10dd\u10d1\u10d4\u10d1\u10e1, \u10dc\u10d0\u10d9\u10da\u10d4\u10d1\u10d0\u10d3 \u10e0\u10d8\u10e1\u10d9\u10d8\u10d0\u10dc\u10d8 \u10d0\u10e5\u10e2\u10d8\u10d5\u10d4\u10d1\u10d8 \u10d0\u10d8\u10e0\u10e9\u10d8\u10dd&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. \u10d8\u10e7\u10d0\u10d5\u10d8 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d3\u10d0 \u10db\u10dd\u10d7\u10db\u10d8\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d0\u10e6\u10ed\u10e3\u10e0\u10d5\u10d8\u10da\u10d8<\/h2>\n\n\n\n<p>\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8 \u10db\u10dd\u10d9\u10da\u10d4 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d0\u10e0 \u10d8\u10ea\u10d5\u10da\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1, \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10d0\u10dc \u10d4\u10ea\u10d4\u10db\u10dd\u10d3\u10d4\u10e1. \u10d7\u10e3\u10db\u10ea\u10d0 \u10e3\u10db\u10d4\u10e2\u10d4\u10e1\u10d0\u10d3 \u10d2\u10e0\u10eb\u10d4\u10da\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d0\u10e8\u10d8 \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10e3\u10e0\u10d0\u10d3 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0. \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8 \u10d0\u10e0 \u10d8\u10e6\u10d4\u10d1\u10d4\u10dc \u10e1\u10de\u10dd\u10dc\u10e2\u10d0\u10dc\u10e3\u10e0, \u10d4\u10db\u10dd\u10ea\u10d8\u10e3\u10e0 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10e1<\/p>\n\n\n\n<p><strong>\u10e0\u10e9\u10d4\u10d5\u10d0:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-style-1\">\n<li>\u10dc\u10e3 \u10d2\u10d0\u10e7\u10d8\u10d3\u10d8 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d8\u10db\u10d8\u10e2\u10dd\u10db, \u10e0\u10dd\u10db \u10d1\u10d0\u10d6\u10d0\u10e0\u10d8 \u10d3\u10e0\u10dd\u10d4\u10d1\u10d8\u10d7 \u10d3\u10d0\u10d4\u10ea\u10d0<\/li>\n\n\n\n<li>\u10d0\u10e0 \u10e8\u10d4\u10d4\u10ea\u10d0\u10d3\u10dd \u201e\u10d1\u10d0\u10d6\u10e0\u10d8\u10e1 \u10d3\u10d0\u10ed\u10d4\u10e0\u10d0\u10e1\u201c, \u10d0\u10dc\u10e3 \u10d8\u10d3\u10d4\u10d0\u10da\u10e3\u10e0 \u10d3\u10e0\u10dd\u10e1 \u10d3\u10d0\u10d4\u10da\u10dd\u10d3\u10dd \u2212 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da\u10d0\u10d3 \u10e8\u10d4\u10e3\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10db\u10e3\u10d3\u10db\u10d8\u10d5\u10d0\u10d3 \u10d6\u10e3\u10e1\u10e2\u10d8 \u10d3\u10e0\u10dd\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10ea\u10dc\u10dd\u10d1\u10d0<\/li>\n\n\n\n<li>\u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10e0\u10e3\u10da\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10d0\u10db\u10dd\u10ec\u10db\u10d4 \u10de\u10dd\u10e0\u10e2\u10e4\u10d4\u10da\u10d8, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10dc\u10e3 \u10d2\u10d4\u10e5\u10dc\u10d4\u10d1\u10d0 \u10d2\u10d0\u10d3\u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e0\u10d4\u10d0\u10e5\u10ea\u10d8\u10d0 \u10db\u10ea\u10d8\u10e0\u10d4 \u10e0\u10e7\u10d4\u10d5\u10d4\u10d1\u10d6\u10d4<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u10e1\u10ee\u10d5\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10d0\u10d5\u10d8\u10ec\u10e7\u10d3\u10d4\u10d1\u10d0\u10d7<\/h2>\n\n\n\n<p><strong>\u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10d9\u10e3\u10e0\u10e1\u10d8:<\/strong> \u10d7\u10e3 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0\u10e1 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1, \u10d2\u10d0\u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4, \u10e0\u10dd\u10db \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0\u10db \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0 \u10db\u10dd\u10d0\u10ee\u10d3\u10d8\u10dc\u10dd\u10e1 \u10e1\u10d0\u10d1\u10dd\u10da\u10dd\u10dd \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d6\u10d4.<\/p>\n\n\n\n<p><strong>\u10da\u10d8\u10d9\u10d5\u10d8\u10d3\u10e3\u10e0\u10dd\u10d1\u10d0:<\/strong> \u10d6\u10dd\u10d2\u10d8 \u10d0\u10e5\u10e2\u10d8\u10d5\u10d8 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10d8\u10e7\u10d8\u10d3\u10d4\u10d1\u10d0, \u10d6\u10dd\u10d2\u10d8 \u2212 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0 \u10d0\u10dc \u10db\u10ea\u10d8\u10e0\u10d4 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10e8\u10d8 \u10ec\u10d8\u10da\u10d8 \u2212 \u10d2\u10d0\u10e7\u10d8\u10d3\u10d5\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10db\u10d4\u10e2 \u10d3\u10e0\u10dd\u10e1 \u10d3\u10d0 \u10eb\u10d0\u10da\u10d8\u10e1\u10ee\u10db\u10d4\u10d5\u10d0\u10e1 \u10db\u10dd\u10d8\u10d7\u10ee\u10dd\u10d5\u10e1.<\/p>\n\n\n\n<p><strong>\u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10dd \u10e0\u10d4\u10df\u10d8\u10db\u10d8:<\/strong> \u10d2\u10d0\u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4, \u10e0\u10dd\u10db \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0\u10e1 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10dd \u10d3\u10d0\u10e2\u10d5\u10d8\u10e0\u10d7\u10d5\u10d0 \u10d0\u10e5\u10d5\u10e1. \u10d6\u10dd\u10d2 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d4\u10e1 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7 \u10d0\u10dc \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd.<\/p>\n\n\n\n<p>\u10d0\u10e1\u10d4 \u10e0\u10dd\u10db, \u10e4\u10e3\u10da\u10d8\u10e1 \u10d3\u10d0\u10d1\u10d0\u10dc\u10d3\u10d4\u10d1\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d8\u10e1 \u10db\u10dd\u10da\u10dd\u10d3\u10d8\u10dc\u10d8 \u10d0\u10e0 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e7\u10dd\u10e1. \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10e8\u10d4\u10dc\u10e1 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10e1, \u10e8\u10d4\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d4\u10d1\u10dd\u10d3\u10d4\u10e1 \u10e8\u10d4\u10dc\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10e0\u10d4\u10d0\u10da\u10dd\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10e0\u10d8\u10e1\u10d9\u10d8\u10e1\u10d0\u10d3\u10db\u10d8 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1. \u10e1\u10ec\u10dd\u10e0\u10d8 \u10d3\u10d0\u10d2\u10d4\u10d2\u10db\u10d5\u10d8\u10d7, \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10d7\u10d0 \u10d3\u10d0 \u10db\u10dd\u10d7\u10db\u10d8\u10dc\u10d4\u10d1\u10d8\u10d7 \u10e8\u10d4\u10dc \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8 \u10d8\u10e5\u10ea\u10d4\u10e1 \u10d0\u10e0\u10d0 \u10db\u10d0\u10e0\u10e2\u10dd \u10e4\u10e3\u10da\u10d8\u10e1 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\u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10d8 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