{"id":1523,"date":"2025-07-01T07:37:33","date_gmt":"2025-07-01T04:37:33","guid":{"rendered":"https:\/\/test-new.mispay.co\/%d8%a7%d9%84%d8%b4%d8%b1%d9%88%d8%b7-%d9%88%d8%a7%d9%84%d8%a3%d8%ad%d9%83%d8%a7%d9%85\/"},"modified":"2026-04-13T11:52:08","modified_gmt":"2026-04-13T08:52:08","slug":"%d8%a7%d9%84%d8%b4%d8%b1%d9%88%d8%b7-%d9%88%d8%a7%d9%84%d8%a3%d8%ad%d9%83%d8%a7%d9%85","status":"publish","type":"page","link":"https:\/\/www.mispay.co\/ar\/%d8%a7%d9%84%d8%b4%d8%b1%d9%88%d8%b7-%d9%88%d8%a7%d9%84%d8%a3%d8%ad%d9%83%d8%a7%d9%85\/","title":{"rendered":"\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1523\" class=\"elementor elementor-1523 elementor-583\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f56bf85 e-flex e-con-boxed e-con e-parent\" data-id=\"f56bf85\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-37154d9 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"37154d9\" data-element_type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:300}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53d7f4e elementor-widget elementor-widget-heading\" data-id=\"53d7f4e\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0633\u0627\u0631\u064a\u0629 \u0627\u0639\u062a\u0628\u0627\u0631\u064b\u0627 \u0645\u0646 20 \u064a\u0646\u0627\u064a\u0631 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a64e1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"03a64e1\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 MISpay<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20b2a81 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"20b2a81\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0648\u0642\u0639\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0641\u0625\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\u060c \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0645\u0633\u0624\u0648\u0644 \u0639\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0623\u064a \u0642\u0648\u0627\u0646\u064a\u0646 \u0645\u062d\u0644\u064a\u0629 \u0633\u0627\u0631\u064a\u0629.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4af85b7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4af85b7\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7be4cf5 e-flex e-con-boxed e-con e-parent\" data-id=\"7be4cf5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-723ff25 e-con-full e-flex e-con e-child\" data-id=\"723ff25\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a689a15 elementor-widget elementor-widget-heading\" data-id=\"a689a15\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1784238 elementor-widget elementor-widget-text-editor\" data-id=\"1784238\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol><li><span style=\"font-weight: 400;\">\u062a\u0634\u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0644\u0632\u0645\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u064b\u0627 \u0645\u0628\u0631\u0645\u0629 \u0628\u064a\u0646\u0643 (\u0633\u0648\u0627\u0621 \u0643\u0646\u062a \u0634\u062e\u0635\u064a\u064b\u0627 \u0623\u0648 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0643\u064a\u0627\u0646 \u062a\u0645\u062b\u0644\u0647) \u0648\u0628\u064a\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0639\u0635\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 (MIS Pay) \u0627\u0644\u0645\u0634\u0627\u0631 \u0625\u0644\u064a\u0647\u0627 \u0641\u064a\u0645\u0627 \u0628\u0639\u062f \u0628\u0640 (\u201d\u0646\u062d\u0646\u201c)\u060c \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062c\u0645\u064a\u0639 \u062c\u0648\u0627\u0646\u0628 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0648\/\u0623\u0648 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 <\/span><a href=\"https:\/\/www.mispay.co\/\"><span style=\"font-weight: 400;\">https:\/\/www.mispay.co\/<\/span><\/a><span style=\"font-weight: 400;\"> \u0623\u0648 \u062a\u0637\u0628\u064a\u0642 MIS Pay\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u064a \u0635\u064a\u063a\u0629 \u0648\u0633\u0627\u0626\u0637 \u0623\u062e\u0631\u0649\u060c \u0642\u0646\u0627\u0629 \u0648\u0633\u0627\u0626\u0637\u060c \u0645\u0648\u0642\u0639 \u0648\u064a\u0628\u060c \u0623\u0648 \u062a\u0637\u0628\u064a\u0642 \u062c\u0648\u0627\u0644 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629. \u062a\u0642\u0631 \u0628\u0623\u0646\u0643 \u0642\u0631\u0623\u062a \u0648\u0641\u0647\u0645\u062a \u0648\u0648\u0627\u0641\u0642\u062a \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\u060c \u0643\u0645\u0627 \u064a\u062a\u0645 \u062a\u0639\u062f\u064a\u0644\u0647\u0627 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631. \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0623\u064a \u0643\u064a\u0627\u0646 \u062a\u062c\u0627\u0631\u064a\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0628\u0623\u0646\u0643 \u0645\u062e\u0648\u0644 \u0648\u0644\u062f\u064a\u0643 \u0627\u0644\u0633\u0644\u0637\u0629 \u0644\u0625\u0644\u0632\u0627\u0645 \u0647\u0630\u0627 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645. <\/span><\/li><li><span style=\"font-weight: 400;\"> \u0627\u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0630\u064a \u062a\u0634\u062a\u0631\u064a \u0645\u0646\u0647 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 MIS Pay \u0644\u064a\u0633 \u0637\u0631\u0641\u064b\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0648\u0623\u064a \u0634\u0631\u0648\u0637 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0637\u0628\u064a\u0642 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0645\u0633\u062a\u0642\u0644\u0629 \u0639\u0646 \u0634\u0631\u0648\u0637 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629.<\/span><\/li><li><span style=\"font-weight: 400;\"> \u0646\u062d\u0646 \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u062e\u0627\u0635\u060c \u0641\u064a \u062a\u063a\u064a\u064a\u0631 \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648\u0644\u0623\u064a \u0633\u0628\u0628.<\/span><\/li><li><span style=\"font-weight: 400;\"> \u062a\u0642\u0631 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0639\u0646 \u0645\u0631\u0627\u062c\u0639\u0629 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0622\u062e\u0631 \u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a\u060c \u0648\u0633\u064a\u062a\u0645 \u0625\u062e\u0637\u0627\u0631\u0643 \u0628\u0623\u064a \u062a\u062d\u062f\u064a\u062b \u0644\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0639\u0628\u0631 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0646\u0635\u064a\u0629. \u064a\u0639\u062a\u0628\u0631 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u0643 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0628\u0639\u062f \u062a\u0627\u0631\u064a\u062e \u0646\u0634\u0631 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u0639\u062f\u0644\u0629 \u0628\u0645\u062b\u0627\u0628\u0629 \u0625\u0642\u0631\u0627\u0631 \u0645\u0646\u0643 \u0628\u0623\u0646\u0643 \u0642\u062f \u0631\u0627\u062c\u0639\u062a \u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0648\u0641\u0647\u0645\u062a \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0648\u0648\u0627\u0641\u0642\u062a \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0627. <\/span><\/li><li><span style=\"font-weight: 400;\"> \u062a\u0639\u062a\u0628\u0631 \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u062c\u0632\u0621\u064b\u0627 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c94525 elementor-widget elementor-widget-heading\" data-id=\"2c94525\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6. \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u0627\u062a:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3bb79a elementor-widget elementor-widget-text-editor\" data-id=\"b3bb79a\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0648\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0648\u0627\u0644\u062a\u0639\u0628\u064a\u0631\u0627\u062a \u0648\u0627\u0644\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0633\u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u0627\u0644\u0645\u0639\u0627\u0646\u064a \u0627\u0644\u0645\u0634\u0627\u0631 \u0625\u0644\u064a\u0647\u0627 \u0645\u0642\u0627\u0628\u0644 \u0643\u0644 \u0645\u0646\u0647\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645:<\/span><\/p><p><span style=\"font-weight: 400;\">6.1 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0636\u0645\u064a\u0631 \u201d\u0623\u0646\u062a\u201c: \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u062a\u0634\u064a\u0631 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0636\u0645\u064a\u0631 \u201d\u0623\u0646\u062a\u060c\u201c \u0623\u0648 \u0627\u0644\u0636\u0645\u064a\u0631 \u0627\u0644\u0645\u0644\u0643\u064a \u0623\u0648 \u0623\u064a \u0636\u0645\u0627\u0626\u0631 \u0645\u0634\u0627\u0628\u0647\u0629 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u0639\u0646\u064a \u0627\u0644\u0645\u0634\u0627\u0631 \u0625\u0644\u064a\u0647 \u0641\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641 (\u0643\u0645\u0627 \u0647\u0648 \u0645\u062d\u062f\u062f \u0623\u062f\u0646\u0627\u0647) \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0642\u0628\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 MIS Pay \u0643\u0645\u0627 \u0647\u0648 \u0645\u062d\u062f\u062f \u0623\u062f\u0646\u0627\u0647.<\/span><\/p><p><span style=\"font-weight: 400;\">6.2 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0627\u0644\u0636\u0645\u064a\u0631 \u201d\u0646\u062d\u0646\u201c: \u062a\u0634\u064a\u0631 \u0627\u0644\u0625\u0634\u0627\u0631\u0627\u062a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0636\u0645\u064a\u0631 \u201d\u0646\u062d\u0646\u201c \u0623\u0648 \u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u062c\u0645\u0639 \u0643\u0636\u0645\u064a\u0631 \u0645\u0644\u0643\u064a \u0623\u0648 \u062c\u0645\u0639 \u0623\u0648 \u0623\u064a \u0636\u0645\u0627\u0626\u0631 \u0645\u0634\u0627\u0628\u0647\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0625\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0639\u0635\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 (MIS Pay) \u0648\u0627\u0644\u0643\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u062a\u0627\u0628\u0639\u064a\u0646 \u0644\u0647\u0627.<\/span><\/p><p><span style=\"font-weight: 400;\">6.3 \u0627\u0644\u0645\u0646\u0635\u0629: \u062a\u0639\u0646\u064a \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0639\u0635\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 (MIS Pay) <\/span><a href=\"https:\/\/www.mispay.co\/\"><span style=\"font-weight: 400;\">https:\/\/www.mispay.co\/<\/span><\/a><span style=\"font-weight: 400;\"> .<\/span><\/p><p><span style=\"font-weight: 400;\">6.4 \u0627\u0644\u0639\u0645\u064a\u0644: \u064a\u0639\u0646\u064a \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u062e\u0627\u0635 \u0628\u0640 \u201d\u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u0627\u062c\u0631\u201c \u0627\u0644\u0630\u064a \u064a\u0633\u062a\u062e\u062f\u0645 \u062d\u0633\u0627\u0628 (MIS Pay).<\/span><\/p><p><span style=\"font-weight: 400;\">6.5 \u0627\u0644\u062a\u0627\u062c\u0631: \u064a\u0639\u0646\u064a \u0623\u064a \u0643\u064a\u0627\u0646 \u062a\u062c\u0627\u0631\u064a \u064a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0644\u0639\u0645\u0644\u0627\u0626\u0647 \u0648\u0641\u0642\u064b\u0627 \u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u064a\u0646\u0647 \u0648\u0628\u064a\u0646 (MIS Pay)\u060c \u0623\u0648 \u0628\u064a\u0646 (MIS Pay) \u0648\u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062c\u0627\u0631.<\/span><\/p><p><span style=\"font-weight: 400;\">6.6 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u0627\u062c\u0631: \u062a\u0639\u0646\u064a \u0623\u064a \u0637\u0631\u0642\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0627 \u0627\u0644\u062d\u0635\u0631 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0633\u0645\u062d \u0644\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0628\u0639\u0631\u0636 \u0627\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u0629 \u0648\u0627\u062d\u062f\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">6.7 \u0627\u0644\u062e\u062f\u0645\u0627\u062a: \u062a\u0639\u0646\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0639\u0635\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 (MIS Pay).<\/span><\/p><p><span style=\"font-weight: 400;\">6.8 \u0637\u0644\u0628 \u0627\u0644\u0634\u0631\u0627\u0621: \u064a\u0639\u0646\u064a \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u0642\u062f\u0645 \u0645\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0623\u0648 \u0645\u0648\u0642\u0639 \u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0623\u0648 \u0623\u064a \u062a\u0637\u0628\u064a\u0642\u0627\u062a\u060c \u0623\u0648 \u0646\u0642\u0637\u0629 \u0628\u064a\u0639 \u0623\u062e\u0631\u0649 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0627\u062c\u0631.<\/span><\/p><p><span style=\"font-weight: 400;\">6.9 \u062e\u062f\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay): \u062a\u0639\u0646\u064a \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u062f\u0649 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0639\u0644\u0649 \u0645\u0648\u0642\u0639 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062c\u0627\u0631 \u0623\u0648 \u0641\u064a \u0623\u064a \u0646\u0642\u0637\u0629 \u0628\u064a\u0639 \u0623\u062e\u0631\u0649 \u0644\u062f\u0649 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0639\u0644\u0649 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u062a\u064a \u064a\u062e\u062a\u0627\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0645\u0648\u062c\u0628\u0647\u0627 \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062c\u0627\u0631 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 (MIS Pay) \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">6.10 \u062d\u0633\u0627\u0628 (MIS Pay): \u064a\u0639\u0646\u064a \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0630\u064a \u0623\u0646\u0634\u0623\u0647 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay)\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u062e\u0636\u0639 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0648\u062a\u0634\u063a\u064a\u0644\u0647 \u0644\u0634\u0631\u0648\u0637 \u0648\u0623\u062d\u0643\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">6.11 \u0627\u0644\u062f\u0641\u0639: \u064a\u0639\u0646\u064a \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0631 \u0628\u0647\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0639\u0646\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u0629 (MIS Pay) \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0637\u0644\u0628 \u0634\u0631\u0627\u0621 \u0645\u0639\u064a\u0646.<\/span><\/p><p><span style=\"font-weight: 400;\">6.12 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f: \u064a\u0639\u0646\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u062f\u0641\u0639\u0647 \u0627\u0644\u0639\u0645\u064a\u0644 \u0644\u0644\u062a\u0627\u062c\u0631 \u0639\u0628\u0631 MIS Pay \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0639\u062a\u0645\u062f\u0629 \u0648\u064a\u062a\u0645 \u0625\u0639\u0627\u062f\u062a\u0647 \u0644\u0627\u062d\u0642\u064b\u0627 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0639\u062f \u0646\u0632\u0627\u0639.<\/span><\/p><p><span style=\"font-weight: 400;\">6.13 \u0627\u0644\u0646\u0632\u0627\u0639: \u064a\u0639\u0646\u064a \u0623\u064a \u0637\u0644\u0628 \u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f\u060c \u062e\u0635\u0645\u060c \u062a\u0639\u0648\u064a\u0636\u060c \u0645\u0637\u0627\u0644\u0628\u0629 \u0645\u0636\u0627\u062f\u0629\u060c \u0623\u0648 \u0646\u0632\u0627\u0639 \u0645\u0646 \u0623\u064a \u0646\u0648\u0639 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0636\u062f \u0627\u0644\u062a\u0627\u062c\u0631 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0623\u062f\u062a \u0625\u0644\u0649 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0639\u062a\u0645\u062f\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">6.14 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641: \u062a\u0639\u0646\u064a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0644\u062a\u0642\u062f\u064a\u0645\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 \u0625\u0644\u0649 (MIS Pay) \u0644\u0625\u0646\u0634\u0627\u0621 \u062d\u0633\u0627\u0628 \u0644\u0647 \u0645\u0639 (MIS Pay) \u0643\u0645\u0627 \u064a\u062a\u0645 \u062c\u0645\u0639\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 (MIS Pay) \u0623\u0648 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u0627\u062c\u0631 \u0644\u0623\u063a\u0631\u0627\u0636 \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0644\u0644\u0639\u0645\u0644\u0627\u0621.<\/span><\/p><p><span style=\"font-weight: 400;\">6.15 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a: \u064a\u0639\u0646\u064a \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u062f\u0641\u0639\u0647 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u064a\u0644 (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0623\u064a \u0636\u0631\u064a\u0628\u0629 \u0642\u064a\u0645\u0629 \u0645\u0636\u0627\u0641\u0629\u060c \u0631\u0633\u0648\u0645 \u0627\u0644\u0634\u062d\u0646 \u0648\u0631\u0633\u0648\u0645 \u0627\u0644\u062e\u062f\u0645\u0629) \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0637\u0644\u0628 \u0634\u0631\u0627\u0621 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0639\u062a\u0645\u062f\u0629 \u0648\u0627\u062d\u062f\u0629 \u0646\u0627\u0642\u0635\u064b\u0627:<\/span><\/p><p><span style=\"font-weight: 400;\">6.15.1 \u0623\u064a \u0645\u0631\u062a\u062c\u0639\u0627\u062a<\/span><\/p><p><span style=\"font-weight: 400;\">6.15.2 \u0623\u064a \u062e\u0635\u0648\u0645\u0627\u062a\u060c \u0623\u0631\u0635\u062f\u0629 \u0623\u0648 \u062e\u0635\u0648\u0645\u0627\u062a \u064a\u0637\u0644\u0628\u0647\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u064a\u0648\u0627\u0641\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0639\u0646\u064a<\/span><\/p><p><span style=\"font-weight: 400;\">6.16 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0642\u0627\u0647\u0631\u0629: \u062a\u0639\u0646\u064a \u0623\u064a \u062d\u062f\u062b \u0642\u062f\u0631\u064a \u0623\u0648 \u062d\u0627\u062f\u062b \u0645\u0641\u0627\u062c\u0626 \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u0648\u0642\u0639\u0647 \u0648\u064a\u0633\u062a\u062d\u064a\u0644 \u0645\u0646\u0639\u0647\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643\u060c \u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u062d\u0635\u0631 \u0627\u0644\u062d\u0631\u0627\u0626\u0642\u060c \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a\u060c \u0627\u0644\u0639\u0648\u0627\u0635\u0641\u060c \u0627\u0644\u0623\u0639\u0627\u0635\u064a\u0631\u060c \u0627\u0644\u0632\u0648\u0627\u0628\u0639\u060c \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0628\u0631\u0643\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0632\u0644\u0627\u0632\u0644\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u064a \u0625\u062c\u0631\u0627\u0621\u0627\u062a\u060c \u0623\u0648\u0627\u0645\u0631 \u0623\u0648 \u0637\u0644\u0628\u0627\u062a \u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0633\u0644\u0637\u0629 \u0633\u064a\u0627\u062f\u064a\u0629 \u0623\u0648 \u062d\u0643\u0648\u0645\u0629 \u0648\/\u0623\u0648 \u0623\u064a \u0633\u0644\u0637\u0629 \u0623\u062e\u0631\u0649 \u0645\u0646 \u0627\u0644\u0645\u0641\u062a\u0631\u0636 \u0623\u0646 \u062a\u0639\u0645\u0644 \u0644\u0635\u0627\u0644\u062d \u0630\u0644\u0643 \u0627\u0644\u0637\u0631\u0641\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u062d\u0631\u0628\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0645\u0639\u0644\u0646\u0629 \u0623\u0645 \u0644\u0627\u060c \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0634\u0627\u0628\u0647\u0629 \u0644\u0644\u062d\u0631\u0628\u060c \u0627\u0644\u062b\u0648\u0631\u0627\u062a\u060c \u0627\u0644\u0634\u063a\u0628\u060c \u0627\u0644\u0639\u0635\u064a\u0627\u0646 \u0627\u0644\u0645\u062f\u0646\u064a\u060c \u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u062f\u0646\u064a\u0629\u060c \u0648\u0643\u0630\u0644\u0643 \u0627\u0644\u0625\u0636\u0631\u0627\u0628\u0627\u062a\u060c \u062a\u0648\u0642\u0641 \u0627\u0644\u0639\u0645\u0644\u060c \u0648\/\u0623\u0648 \u062d\u0627\u0644\u0627\u062a \u0645\u0634\u0627\u0628\u0647\u0629\u060c \u0648\u0623\u064a \u0633\u0628\u0628 \u0622\u062e\u0631 \u0645\u0634\u0627\u0628\u0647 \u062e\u0627\u0631\u062c \u0639\u0646 \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0623\u0648 \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0644\u0623\u064a \u0637\u0631\u0641\u060c \u0645\u0627 \u0644\u0645 \u064a\u0643\u0646 \u062a\u0646\u0641\u064a\u0630\u0647 \u0623\u062f\u0627\u0621\u064b \u0645\u0636\u0645\u0648\u0646\u064b\u0627 \u0628\u0645\u0648\u062c\u0628 \u062a\u0646\u0627\u0632\u0644 \u0635\u0631\u064a\u062d \u0639\u0646 \u0627\u0644\u0625\u063a\u0627\u062b\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u062d\u062f\u0648\u062b \u062d\u062f\u062b \u0642\u0648\u0629 \u0642\u0627\u0647\u0631\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">6.17 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627: \u062a\u0639\u0646\u064a \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0633\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f1e44 elementor-widget elementor-widget-heading\" data-id=\"78f1e44\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">7. \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0648\u0627\u0644\u0635\u0644\u0627\u062d\u064a\u0629\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06afc30 elementor-widget elementor-widget-text-editor\" data-id=\"06afc30\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">7.1 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u064a\u062f\u0644 \u0639\u0644\u0649 \u0623\u0646\u0643 \u062a\u062a\u0645\u062a\u0639 \u0628\u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0644\u0625\u0628\u0631\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\u060c \u0648\u0623\u0646\u0643 \u062a\u062c\u0627\u0648\u0632\u062a \u0633\u0646 \u0627\u0644\u062b\u0627\u0645\u0646\u0629 \u0639\u0634\u0631\u0629 (18) \u0639\u0627\u0645\u064b\u0627.<\/span><\/p><p><span style=\"font-weight: 400;\">7.2 \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0643\u0635\u0627\u062d\u0628 \u0639\u0645\u0644\u060c \u0634\u062e\u0635 \u0627\u0639\u062a\u0628\u0627\u0631\u064a\u060c \u0623\u0648 \u0623\u064a \u0643\u064a\u0627\u0646 \u0622\u062e\u0631\u060c \u0641\u0625\u0646 \u0630\u0644\u0643 \u064a\u0639\u062f \u0625\u0642\u0631\u0627\u0631\u064b\u0627 \u0645\u0646\u0643 \u0628\u0623\u0646 \u0644\u062f\u064a\u0643 \u0627\u0644\u0633\u0644\u0637\u0629 \u0648\u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0625\u0628\u0631\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0648\u0625\u0644\u0632\u0627\u0645 \u0643\u064a\u0627\u0646\u0643 \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645. \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0623\u064a\u0636\u064b\u0627 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0627\u0644\u062a\u064a \u062a\u0646\u0637\u0628\u0642 \u0639\u0644\u0649\u060c \u0648\u062a\u062e\u0636\u0639 \u0644\u0639\u0645\u0644\u064a\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay). <\/span><\/p><p><span style=\"font-weight: 400;\">7.3 \u0628\u0627\u062e\u062a\u064a\u0627\u0631\u0643 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0628\u0623\u0646\u0643 \u0642\u062f \u0623\u0628\u0631\u0645\u062a \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064b\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5ce96 elementor-widget elementor-widget-heading\" data-id=\"1e5ce96\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">8. \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u062c\u064a\u0644:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-155a677 elementor-widget elementor-widget-text-editor\" data-id=\"155a677\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">8.1 \u062a\u062a\u0637\u0644\u0628 \u0639\u0645\u0644\u064a\u0629 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0646\u0643 \u062a\u0642\u062f\u064a\u0645 \u0628\u0639\u0636 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0625\u0644\u0649 (MIS Pay) \u0644\u0623\u063a\u0631\u0627\u0636 KYC \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0627 \u0627\u0644\u062d\u0635\u0631 \u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0639\u0646\u0648\u0627\u0646\u060c \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0631\u0642\u0645 \u0627\u0644\u0647\u0627\u062a\u0641\u060c \u0627\u0644\u0639\u0645\u0631.<\/span><\/p><p><span style=\"font-weight: 400;\">\u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646 \u064a\u062a\u0645 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0635\u062d\u064a\u062d\u0629 \u0648\u062f\u0642\u064a\u0642\u0629 \u0648\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u062d\u062f\u062b\u0629 \u0639\u0646\u0643 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0648\u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0625\u062e\u0637\u0627\u0631 MIS Pay \u0641\u0648\u0631\u064b\u0627 \u0628\u0623\u064a \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0641\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0623\u0648 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0638\u0631\u0648\u0641 \u0623\u062e\u0631\u0649 \u0642\u062f \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0623\u0647\u0644\u064a\u062a\u0643 \u0644\u0645\u0648\u0627\u0635\u0644\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 MIS Pay \u0623\u0648 \u0643\u0645\u0627 \u0647\u0648 \u0645\u0637\u0644\u0648\u0628 \u0628\u0645\u0648\u062c\u0628 \u0634\u0631\u0648\u0637 \u0648\u0623\u062d\u0643\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">8.2 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0624\u062b\u0631 \u0623\u0648 \u062a\u0643\u0648\u0646 \u0630\u0627\u062a \u0623\u0647\u0645\u064a\u0629 \u0644\u0623\u064a \u0637\u0631\u0641 \u0641\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0624\u062c\u0644.<\/span><\/p><p><span style=\"font-weight: 400;\">8.3 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0633\u0624\u0648\u0644\u0627\u064b \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u062f\u062b \u062a\u062d\u062a \u062d\u0633\u0627\u0628\u0643. \u0643\u0645\u0627 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0627\u0644\u062d\u0641\u0627\u0638\u060c \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0648\u0642\u0627\u062a\u060c \u0639\u0644\u0649 \u062a\u062f\u0627\u0628\u064a\u0631 \u0627\u0644\u0623\u0645\u0627\u0646 \u0639\u0644\u0649 \u0627\u0633\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0648\u0643\u0644\u0645\u0629 \u0627\u0644\u0645\u0631\u0648\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u062d\u0633\u0627\u0628\u0643\u060c \u0645\u0627 \u0644\u0645 \u064a\u0646\u0635 \u0639\u0644\u0649 \u062e\u0644\u0627\u0641 \u0630\u0644\u0643 \u0645\u0646 \u0642\u0628\u0644 MIS Pay \u0643\u062a\u0627\u0628\u064a\u064b\u0627. <\/span><\/p><p><span style=\"font-weight: 400;\">8.4 \u0625\u0630\u0627 \u0641\u0642\u062f\u062a \u0623\u0648 \u0633\u064f\u0631\u0642\u062a \u0643\u0644\u0645\u0629 \u0627\u0644\u0645\u0631\u0648\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643\u060c \u0623\u0648 \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0639\u062a\u0642\u062f \u0623\u0646\u0647 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u0648\u0635\u0648\u0644 \u063a\u064a\u0631 \u0645\u0635\u0631\u062d \u0628\u0647 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628\u0643 \u0641\u064a MIS Pay\u060c \u0641\u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u062a\u063a\u064a\u064a\u0631 \u0643\u0644\u0645\u0629 \u0645\u0631\u0648\u0631 \u062d\u0633\u0627\u0628\u0643 \u0648\u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0641\u0648\u0631\u064b\u0627. \u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0633\u0624\u0648\u0644\u0627\u064b \u0639\u0646 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u062a\u062a\u0645 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628\u0647 \u0627\u0644\u0645\u0633\u0631\u0648\u0642 \u0645\u0627 \u0644\u0645 \u064a\u062e\u0637\u0631\u0646\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0641\u0648\u0631\u064b\u0627 \u0628\u062a\u0639\u0644\u064a\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u064a\u062a\u0644\u0642\u0649 \u0631\u0633\u0627\u0626\u0644 \u0646\u0635\u064a\u0629 \u0623\u0648 \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0645\u0646 (MIS Pay) \u062a\u0641\u064a\u062f \u0628\u0623\u0646 \u0627\u0644\u062d\u0633\u0627\u0628 \u0642\u062f \u062a\u0645 \u0625\u063a\u0644\u0627\u0642\u0647. <\/span><\/p><p><span style=\"font-weight: 400;\">8.5 \u0644\u0627 \u064a\u062c\u0648\u0632 \u0646\u0642\u0644 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646. \u0644\u0630\u0644\u0643\u060c \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0631\u062f \u0642\u064a\u0645\u0629 \u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0644\u062d\u0633\u0627\u0628\u0643 \u0625\u0644\u0649 (MIS Pay)\u060c \u0628\u0634\u0631\u0637 \u0623\u0644\u0627 \u062a\u0643\u0648\u0646 \u0639\u0645\u0644\u064a\u0629 \u0635\u0627\u0644\u062d\u0629 \u0623\u0648 \u0645\u0635\u0631\u062d \u0628\u0647\u0627 \u0623\u0648 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0637\u0628\u064a\u0642 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0642\u0627\u0646\u0648\u0646 \u0648\u0623\u0646\u0647\u0627 \u062d\u062f\u062b\u062a \u0645\u0646 \u062c\u0627\u0646\u0628\u0643 \u0623\u0648 \u0645\u0646 \u062c\u0627\u0646\u0628 \u0623\u064a \u0634\u062e\u0635 \u0642\u062f \u064a\u0635\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u063a\u064a\u0631 \u0630\u0644\u0643 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0633\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0623\u0648 \u0643\u0644\u0645\u0629 \u0627\u0644\u0645\u0631\u0648\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643\u060c \u0633\u0648\u0627\u0621 \u0633\u0645\u062d\u062a \u0628\u0647\u0630\u0627 \u0627\u0644\u0648\u0635\u0648\u0644 \u0623\u0645 \u0644\u0627. <\/span><\/p><p><span style=\"font-weight: 400;\">8.6 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u0649 (MIS Pay)\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u062e\u0627\u0635\u060c \u0623\u064a \u0634\u0643\u0648\u0643 \u0628\u0623\u0646 \u0623\u064a\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u063a\u064a\u0631 \u0635\u062d\u064a\u062d\u0629 \u0623\u0648 \u063a\u064a\u0631 \u062f\u0642\u064a\u0642\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0643\u0627\u0645\u0644\u0629 \u0623\u0648 \u0642\u062f\u064a\u0645\u0629 \u062f\u0648\u0646 \u0627\u0644\u0645\u0633\u0627\u0633 \u0628\u0623\u064a \u062d\u0642\u0648\u0642 \u0623\u062e\u0631\u0649\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0623\u0648 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627\u060c \u0641\u0625\u0646\u0646\u0627 \u0646\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u062a\u0639\u0644\u064a\u0642 \u062e\u062f\u0645\u0627\u062a\u0646\u0627 \u0648\u062a\u0639\u0644\u064a\u0642 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a\u0647\u0627 \u0623\u0648 \u062a\u0642\u064a\u064a\u062f \u0647\u0630\u0627 \u0627\u0644\u0648\u0635\u0648\u0644.<\/span><\/p><p><span style=\"font-weight: 400;\">8.7 \u0642\u062f \u062a\u0642\u0648\u0645 (MIS Pay)\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0637\u0644\u0642\u060c \u0648\u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0628\u0625\u0628\u062f\u0627\u0621 \u0623\u064a \u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u062a\u0631\u0627\u0647\u0627 \u0636\u0631\u0648\u0631\u064a\u0629\u060c \u0633\u0648\u0627\u0621 \u062a\u0645 \u0630\u0644\u0643 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b. \u0642\u062f \u062a\u0637\u0644\u0628 (MIS Pay) \u0645\u0646\u0643 \u062a\u0642\u062f\u064a\u0645 \u0631\u062f \u0628\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u062f\u0648\u0646 \u062a\u0642\u064a\u064a\u062f \u0644\u0645\u0627 \u0630\u0643\u0631 \u0623\u0639\u0644\u0627\u0647. \u0625\u0630\u0627 \u0643\u0646\u062a \u0635\u0627\u062d\u0628 \u0639\u0645\u0644 \u0623\u0648 \u0645\u0633\u062c\u0644\u064b\u0627 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0635\u0627\u062d\u0628 \u0639\u0645\u0644\u060c \u0641\u0642\u062f \u062a\u062a\u0636\u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0627\u0644\u0623\u062e\u0631\u0649 \u0644\u0644\u0634\u0631\u0643\u0629 \u0623\u0648 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0636\u0645\u0646 \u0623\u064a \u0635\u0644\u0627\u062d\u064a\u0629 \u0645\u0636\u0645\u0648\u0646\u0629 \u0644\u0623\u064a \u0634\u062e\u0635 \u0644\u0644\u062a\u0635\u0631\u0641 \u0628\u0645\u0648\u062c\u0628\u0647\u0627. \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0625\u0644\u0649 (MIS Pay) \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628. \u0643\u0645\u0627 \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0647 \u0625\u0630\u0627 \u0644\u0645 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0630\u0644\u0643\u060c \u0641\u0642\u062f \u062a\u0642\u0648\u0645 (MIS Pay)\u060c \u062f\u0648\u0646 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629\u060c \u0628\u062a\u0642\u064a\u064a\u062f \u0623\u0648 \u062a\u0639\u0644\u064a\u0642 \u0623\u0648 \u0633\u062d\u0628 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u0646\u062d\u062a\u0641\u0638 \u0623\u064a\u0636\u064b\u0627 \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u062a\u0639\u0644\u064a\u0642 \u0623\u064a \u062d\u0633\u0627\u0628\u0627\u062a \u063a\u064a\u0631 \u0645\u0624\u0643\u062f\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0648\u062b\u0642\u0629 \u0623\u0648 \u0623\u064a \u062d\u0633\u0627\u0628\u0627\u062a \u0644\u0645 \u062a\u0643\u0646 \u0646\u0634\u0637\u0629 \u0644\u0641\u062a\u0631\u0629 \u0637\u0648\u064a\u0644\u0629.     <\/span><\/p><p><span style=\"font-weight: 400;\">8.8 \u0639\u0646\u062f \u0625\u062a\u0645\u0627\u0645\u0643 \u0644\u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0633\u062c\u064a\u0644\u060c \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0642\u0631\u0623\u062a \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0648\u0641\u0647\u0645\u062a\u0647\u0627 \u0648\u0648\u0627\u0641\u0642\u062a \u0639\u0644\u0649 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0647\u0627\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0648\u062d\u062a\u0649 \u062c\u0645\u064a\u0639 \u0645\u0627 \u0642\u062f \u064a\u062a\u0645 \u062a\u0639\u062f\u064a\u0644\u0647 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631. \u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u0633\u064a\u0627\u0633\u0629 \u0648\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0639\u0644\u064a\u0647\u0627\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u062c\u0632\u0621\u064b\u0627 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0648\u062d\u062a\u0649 \u0645\u0634\u0645\u0648\u0644\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c33db24 elementor-widget elementor-widget-heading\" data-id=\"c33db24\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">9. \u0627\u0644\u062e\u062f\u0645\u0627\u062a:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0666b2c elementor-widget elementor-widget-text-editor\" data-id=\"0666b2c\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">9.1 (MIS Pay) \u0647\u064a \u0645\u0646\u0635\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0635\u0645\u0645\u0629 \u0644\u062a\u0643\u0648\u0646 \u0631\u0627\u0628\u0637\u064b\u0627 \u0643\u0645\u0631\u0643\u0632 \u062a\u062c\u0627\u0631\u064a \u0634\u0627\u0645\u0644 \u0644\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0639\u0627\u0642\u062f \u0645\u0639 \u0623\u0635\u062d\u0627\u0628 \u0647\u0630\u0647 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0623\u0648 \u0627\u0644\u0645\u062a\u0627\u062c\u0631. \u0647\u062f\u0641\u0646\u0627 \u0647\u0648 \u062a\u0648\u0641\u064a\u0631 \u062f\u0644\u064a\u0644 \u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0645\u0646\u062d \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u064a\u0632\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646\u060c \u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627. <\/span><\/p><p><span style=\"font-weight: 400;\">9.2 \u064a\u0639\u0631\u0636 \u0645\u0648\u0642\u0639 (MIS Pay) \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0648\u0627\u0644\u0645\u0645\u0644\u0648\u0643\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u062a\u062c\u0627\u0631 \u0639\u0644\u0649 \u0645\u0646\u0635\u0627\u062a\u0647\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0648\u0642\u062f \u0648\u0627\u0641\u0642\u0648\u0627 \u0639\u0644\u0649 \u0648\u0636\u0639 \u0642\u0627\u0626\u0645\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u0648\u0627\u0641\u0642 \u0647\u0624\u0644\u0627\u0621 \u0627\u0644\u062a\u062c\u0627\u0631 \u0643\u062a\u0627\u0628\u064a\u064b\u0627 \u0645\u0639 (MIS Pay) \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u0627\u062a\u0647\u0645 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. <\/span><\/p><p><span style=\"font-weight: 400;\">9.3 \u0644\u0627 \u064a\u062d\u0642 \u0644\u0644\u062a\u0627\u062c\u0631 \u0641\u0631\u0636 \u0623\u064a \u0631\u0633\u0648\u0645 \u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u0627\u0644\u0634\u0631\u0627\u0621. \u064a\u064f\u0631\u062c\u0649 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0645\u0631\u0627\u062c\u0639\u0629 \u0642\u064a\u0645\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u0634\u0631\u0627\u0621. \u0625\u0630\u0627 \u062a\u0645 \u0641\u0631\u0636 \u0623\u064a \u0631\u0633\u0648\u0645\u060c \u0641\u0625\u0646 \u0627\u0644\u0631\u0633\u0648\u0645 \u0644\u064a\u0633\u062a \u0641\u064a \u0645\u0635\u0644\u062d\u0629 (MS Pay) \u0648\u0644\u064a\u0633\u062a \u062e\u0627\u0636\u0639\u0629 \u0644\u0645\u0648\u0627\u0641\u0642\u062a\u0647\u0627. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-251020a elementor-widget elementor-widget-heading\" data-id=\"251020a\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">10. \u0634\u0631\u0648\u0637 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u062d\u0641\u0638\u0629 MIS Pay<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bca82d0 elementor-widget elementor-widget-text-editor\" data-id=\"bca82d0\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"white-space-collapse: preserve; letter-spacing: 0px;\">\u062a\u0646\u0638\u0645 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 \u0645\u062d\u0641\u0638\u0629 MIS Pay\u060c \u0648\u064a\u064f\u0639\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0645\u062d\u0641\u0638\u0629 \u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0645\u0627 \u064a\u0644\u064a:<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.1 \u0627\u0644\u0623\u0647\u0644\u064a\u0629: \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0645\u062a\u0627\u062d\u0629 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u062c\u0644\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0644\u062f\u064a\u0647\u0645 \u062d\u0633\u0627\u0628 \u0641\u0639\u0627\u0644 \u0641\u064a MISpay.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.2 \u0627\u0644\u0639\u0645\u0644\u0629: \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0628\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u064a\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.3 \u0637\u0631\u0642 \u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0631\u0635\u064a\u062f: \u064a\u0645\u0643\u0646 \u0625\u0636\u0627\u0641\u0629 \u0631\u0635\u064a\u062f \u0625\u0644\u0649 \u0645\u062d\u0641\u0638\u062a\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644:<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">a.\t\u062d\u0645\u0644\u0627\u062a \u0627\u0644\u0643\u0627\u0634 \u0628\u0627\u0643<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">b.\t\u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">c.\t\u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0625\u062d\u0627\u0644\u0629<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">d.\t\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0627\u0633\u062a\u0631\u062c\u0627\u0639 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">e.\t\u0627\u0644\u0627\u0633\u062a\u0631\u062c\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0639\u0630\u0631 \u0625\u0639\u0627\u062f\u062a\u0647\u0627 \u0625\u0644\u0649 \u0648\u0633\u064a\u0644\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0623\u0635\u0644\u064a\u0629<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">f.\t\u0645\u0643\u0627\u0641\u0622\u062a \u062e\u0627\u0635\u0629 \u062a\u0635\u062f\u0631\u0647\u0627 MISpay<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">\u0648\u064a\u062d\u0642 \u0644\u0640 MISpay \u062a\u0639\u062f\u064a\u0644 \u0645\u0635\u0627\u062f\u0631 \u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u0623\u064a \u0648\u0642\u062a. <\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.4 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0635\u064a\u062f: \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0624\u0647\u0644\u0629 \u0639\u0628\u0631 MISpay \u0641\u0642\u0637\u060c \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0631\u0635\u064a\u062f \u0641\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0633\u062f\u0627\u062f \u0644\u0644\u0627\u0642\u0633\u0627\u0637 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0648\u0642\u062f \u0644\u0627 \u062a\u0646\u0637\u0628\u0642 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.5 \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a: \u0642\u062f \u064a\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0639\u0644\u0649 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0647\u0644\u0629\u060c \u0645\u0627 \u0644\u0645 \u064a\u062a\u0645 \u062a\u0648\u0641\u064a\u0631 \u062e\u064a\u0627\u0631 \u062a\u062d\u0643\u0645 \u064a\u062f\u0648\u064a \u0645\u0633\u062a\u0642\u0628\u0644\u0627\u064b.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.6 \u0627\u0644\u062a\u062d\u0648\u064a\u0644: \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u062d\u0648\u064a\u0644 \u0631\u0635\u064a\u062f \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0625\u0644\u0649 \u0645\u0633\u062a\u062e\u062f\u0645 \u0622\u062e\u0631.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.7 \u0627\u0644\u0633\u062d\u0628: \u0644\u0627 \u064a\u0645\u0643\u0646 \u0633\u062d\u0628 \u0627\u0644\u0631\u0635\u064a\u062f \u0623\u0648 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647 \u0623\u0648 \u062a\u062d\u0648\u064a\u0644\u0647 \u0625\u0644\u0649 \u0646\u0642\u062f. \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0645\u0628\u0627\u0644\u063a \u0627\u0633\u062a\u0631\u062c\u0627\u0639 \u0645\u0624\u0643\u062f\u0629\u060c \u0642\u062f \u062a\u0633\u0645\u062d MISpay \u0628\u0637\u0644\u0628 \u062a\u062d\u0648\u064a\u0644 \u0628\u0646\u0643\u064a \u0628\u0639\u062f \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0648\u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0627\u0643\u062f \u0645\u0646 \u0645\u0635\u062f\u0631 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0627\u0635\u0644\u064a \u0648\u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0627\u064a \u0645\u0633\u062a\u062d\u0642\u0627\u062a \u063a\u064a\u0631 \u0645\u062f\u0641\u0648\u0639\u0629 \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.8 \u0627\u0644\u0625\u0631\u062c\u0627\u0639 \u0648\u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a: \u0641\u064a \u062d\u0627\u0644 \u0625\u0631\u062c\u0627\u0639 \u0637\u0644\u0628 \u0623\u0648 \u0627\u0644\u063a\u0627\u0621 \u0637\u0644\u0628 \u0645\u0631\u062a\u0628\u0637 \u0628\u0631\u0635\u064a\u062f \u062a\u0631\u0648\u064a\u062c\u064a\u060c \u064a\u062d\u0642 \u0644\u0640 MISpay \u062a\u0639\u062f\u064a\u0644 \u0623\u0648 \u062e\u0635\u0645 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0631\u062a\u0628\u0637 \u0628\u0647.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.9 \u0633\u0648\u0621 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645: \u064a\u062d\u0642 \u0644\u0640 MISpay \u0625\u064a\u0642\u0627\u0641 \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0623\u0648 \u0625\u0644\u063a\u0627\u0621 \u0623\u064a \u0631\u0635\u064a\u062f \u0641\u064a \u062d\u0627\u0644 \u0627\u0644\u0627\u0634\u062a\u0628\u0627\u0647 \u0628\u0633\u0648\u0621 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u0648 \u0645\u062e\u0627\u0644\u0641\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.10 \u0627\u0644\u0623\u0642\u0631\u0627\u0631: \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0635\u0631\u0627\u062d\u0629\u064b \u0628\u0623\u0646\u0647 \u0644\u0627 \u064a\u062d\u0642 \u0644\u0643 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u0623\u064a \u0631\u0635\u064a\u062f \u062a\u0645\u062a \u0645\u0635\u0627\u062f\u0631\u062a\u0647 \u0645\u0646 \u0645\u062d\u0641\u0638\u062a\u0643 \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062d\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062f\u064a\u0631\u0647\u0627 MISpay \u0623\u0648 \u0623\u064a \u0634\u062d\u0646 \u062a\u0631\u0648\u064a\u062c\u064a \u0622\u062e\u0631.<\/span><\/p>\n<p><span style=\"white-space-collapse: preserve;\">10.11 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0634\u0631\u0648\u0637: \u062a\u062d\u062a\u0641\u0638 MISpay \u0628\u062d\u0642 \u062a\u0639\u062f\u064a\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0641\u064a \u0623\u064a \u0648\u0642\u062a\u060c \u0648\u064a\u064f\u0639\u062f \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a.<\/span><\/p>\n<p><br><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45fb1e3 elementor-widget elementor-widget-heading\" data-id=\"45fb1e3\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">11. \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0648\u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0606dd2 elementor-widget elementor-widget-text-editor\" data-id=\"0606dd2\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">11.1 \u0639\u0646\u062f \u0625\u0646\u0634\u0627\u0621 \u062d\u0633\u0627\u0628\u060c \u0641\u0625\u0646\u0643 \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0623\u0646\u0647 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064b\u0627 \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u064a\u0647 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u062a\u0644\u0642\u064a \u0631\u0633\u0627\u0626\u0644 \u062f\u0648\u0631\u064a\u0629 \u0645\u0646\u0627 \u0648\u0642\u062f \u064a\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0641\u0631\u064a\u0642 MIS Pay \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u064a\u0631\u0633\u0644 \u0644\u0643 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0646\u0635\u064a\u0629 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u064a \u0648\u0633\u064a\u0644\u0629 \u0627\u062a\u0635\u0627\u0644 \u0623\u062e\u0631\u0649. \u0646\u0634\u0631 \u0627\u0644\u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0639\u0627\u062f\u064a \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u062e\u062f\u0645\u0627\u062a. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">11.2 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064b\u0627\u060c \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0641\u0648\u0631\u064b\u0627 \u0628\u0623\u064a \u062a\u063a\u064a\u064a\u0631 \u0641\u064a \u0639\u0646\u0648\u0627\u0646 \u0628\u0631\u064a\u062f\u0643 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u062e\u0631\u0649 \u062a\u0642\u062f\u0645\u0647\u0627 \u0644\u0646\u0627 \u0648\u0633\u0646\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0630\u0644\u0643\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062d\u062f\u064a\u062b \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0648\u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u062d\u0633\u0627\u0628\u0643 \u0641\u064a (MIS Pay) \u0641\u064a \u0623\u0642\u0631\u0628 \u0648\u0642\u062a \u0645\u0645\u0643\u0646 \u0648\u0639\u0646\u062f \u0627\u0644\u0636\u0631\u0648\u0631\u0629.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">11.3 \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0623\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0648\u0627\u0644\u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0625\u0641\u0635\u0627\u062d\u0627\u062a \u0648\u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064b\u0627 \u0647\u064a \u0627\u062a\u0635\u0627\u0644\u0627\u062a \u062a\u0641\u064a \u0628\u0623\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629. \u064a\u062c\u0628 \u062a\u0642\u062f\u064a\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0643\u062a\u0627\u0628\u064a\u064b\u0627. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">11.4 \u0642\u062f \u062a\u0637\u0644\u0628 \u0645\u0646\u0643 \u0645\u0646\u0635\u0629 (MIS Pay) \u0623\u064a\u0636\u064b\u0627 \u0623\u062b\u0646\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0625\u0631\u0633\u0627\u0644 \u0631\u0633\u0627\u0626\u0644 \u0628\u0631\u064a\u062f \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0625\u0634\u0639\u0627\u0631\u0627\u062a \u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u062e\u062f\u0645\u0627\u062a\u0647\u0627. \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u062a\u0644\u0642\u064a \u0631\u0633\u0627\u0626\u0644 SMS \u0644\u0643\u0644 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641 \u062a\u0642\u062f\u0645\u0647 \u0625\u0644\u0649 (MIS Pay). \u062a\u0642\u0631 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u0646\u0643 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0644\u0631\u0642\u0645 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u0642\u062f\u0645 \u0644\u0646\u0627. \u064a\u064f\u0633\u0645\u062d \u0644\u0643 \u0628\u062a\u0644\u0642\u064a \u0631\u0633\u0627\u0644\u0629 SMS \u0639\u0644\u0649 \u0631\u0642\u0645 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u0642\u062f\u0645 \u0644\u0646\u0627. \u0643\u0645\u0627 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u062a\u0646\u0628\u064a\u0647\u0646\u0627 \u0643\u0644\u0645\u0627 \u062a\u0648\u0642\u0641\u062a \u0639\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641 \u0645\u0639\u064a\u0646.    <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22c6efb elementor-widget elementor-widget-heading\" data-id=\"22c6efb\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">12. \u062d\u0642\u0648\u0642 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0627\u0644\u0641\u0643\u0631\u064a\u0629 \u0648\u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1012f2 elementor-widget elementor-widget-text-editor\" data-id=\"e1012f2\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">12.1 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u062d\u0635\u0631\u060c \u0627\u0644\u0646\u0635\u0648\u0635 \u0648\u0627\u0644\u0635\u0648\u0631 \u0627\u0644\u0631\u0633\u0648\u0645\u064a\u0629 \u0648\u0634\u0639\u0627\u0631\u0627\u062a (MIS Pay) \u0648\u0627\u0644\u0623\u0632\u0631\u0627\u0631 \u0648\u0627\u0644\u0635\u0648\u0631 \u0648\u0627\u0644\u0645\u0642\u0627\u0637\u0639 \u0627\u0644\u0635\u0648\u062a\u064a\u0629 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\u062a\u062c\u0627\u0631\u064a\u0629 \u0644\u0640 (MIS Pay)\u060c \u0645\u0639 \u0645\u0644\u0627\u062d\u0638\u0629 \u0623\u0646\u0647 \u0644\u0627 \u064a\u062c\u0648\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0644\u0640 (MIS Pay) \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u0645\u0646\u062a\u062c \u0623\u0648 \u0623\u064a \u062e\u062f\u0645\u0629 \u063a\u064a\u0631 \u0645\u0639\u0631\u0648\u0636\u0629 \u0639\u0644\u0649 \u0645\u0646\u0635\u0629 (MIS Pay)\u060c \u0623\u0648 \u0623\u064a \u0645\u0646\u062a\u062c \u0623\u0648 \u062e\u062f\u0645\u0629 \u062a\u0633\u064a\u0621 \u0625\u0644\u0649 (MIS Pay) \u0623\u0648 \u062a\u0636\u0631 \u0628\u0633\u0645\u0639\u062a\u0647\u0627.<\/span><\/p><p><span style=\"font-weight: 400;\">12.3 \u064a\u064f\u062d\u0638\u0631 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u0639\u0644\u0627\u0645\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u0648 \u0623\u064a \u062d\u0642\u0648\u0642 \u0645\u0644\u0643\u064a\u0629 \u0641\u0643\u0631\u064a\u0629 \u062a\u062e\u0635 (MIS Pay) \u0645\u0646 \u0623\u064a \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a. \u064a\u064f\u062d\u0638\u0631 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0625\u0639\u0627\u062f\u0629 \u0625\u0646\u062a\u0627\u062c \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0625\u0639\u062f\u0627\u062f \u0623\u0648 \u0646\u0634\u0631 \u0623\u0648 \u062a\u0646\u0641\u064a\u0630 \u0623\u0648 \u0625\u0631\u0633\u0627\u0644 \u0623\u0648 \u0639\u0631\u0636 \u0623\u0648 \u0628\u062b \u0623\u0648 \u0648\u0633\u0627\u0626\u0644 \u0623\u062e\u0631\u0649 \u0644\u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0645\u0627 \u0644\u0645 \u062a\u0633\u0645\u062d (MIS Pay) \u0628\u0630\u0644\u0643 \u0623\u0648 \u062a\u0641\u0648\u0636\u0647 \u0635\u0631\u0627\u062d\u0629\u064b \u0648\u0643\u062a\u0627\u0628\u064a\u064b\u0627. \u0644\u0627 \u064a\u062c\u0648\u0632 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u062a\u0641\u0643\u064a\u0643 \u0646\u0638\u0627\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0623\u064a \u0647\u0646\u062f\u0633\u0629 \u0639\u0643\u0633\u064a\u0629 \u0623\u0648 \u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644 \u0644\u0647 \u0623\u0648 \u0631\u0628\u0637 \u0623\u064a \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0623\u064a \u0646\u0638\u0627\u0645 \u064a\u0639\u0643\u0633 \u0623\u0648 \u064a\u0636\u0639 \u0623\u064a \u0628\u0631\u0627\u0645\u062c \u0623\u0648 \u0646\u0635\u0648\u0635 \u0644\u063a\u0631\u0636 \u0625\u0632\u0627\u0644\u0629 \u0623\u0648 \u0641\u0647\u0631\u0633\u0629 \u0623\u0648 \u062d\u0630\u0641 \u0623\u0648 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0623\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0633\u062a\u062e\u0631\u0627\u062c \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0639\u0644\u0649 \u0623\u064a \u062c\u0632\u0621 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0623\u0648 \u062a\u062d\u0645\u064a\u0644 \u063a\u064a\u0631 \u0645\u0628\u0631\u0631 \u0639\u0644\u0649 \u062a\u0634\u063a\u064a\u0644 \u0623\u0648 \u0648\u0638\u0627\u0626\u0641 \u0623\u064a \u062c\u0627\u0646\u0628 \u0645\u0646 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0645\u062d\u0627\u0648\u0644\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627 \u062f\u0648\u0646 \u0625\u0630\u0646 \u0623\u0648 \u0627\u0644\u0639\u0645\u0644 \u0639\u0644\u0649 \u0625\u0644\u062d\u0627\u0642 \u0627\u0644\u0636\u0631\u0631 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0623\u0648 \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71fd9ff elementor-widget elementor-widget-heading\" data-id=\"71fd9ff\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">13. \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe145c5 elementor-widget elementor-widget-text-editor\" data-id=\"fe145c5\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">13.1 \u064a\u064f\u062d\u0638\u0631 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0640 (MIS Pay) \u0644\u0644\u0625\u0639\u0644\u0627\u0646 \u0639\u0646 \u0645\u0646\u062a\u062c\u0647 \u0623\u0648 \u0641\u064a \u0623\u064a \u0645\u0643\u0627\u0646 \u0622\u062e\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629\u060c \u0643\u0645\u0627 \u0647\u0648 \u0645\u062d\u062f\u062f \u0648\u0641\u0642\u064b\u0627 \u0644\u0627\u062e\u062a\u064a\u0627\u0631\u0646\u0627 \u0627\u0644\u0645\u0637\u0644\u0642 \u0641\u064a \u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0646\u0634\u0631 \u0644\u0645\u0627 \u064a\u0644\u064a: \u0623\u064a \u0625\u0639\u0644\u0627\u0646 \u0644\u062c\u0630\u0628 \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647\u060c \u0623\u064a \u0625\u0639\u0644\u0627\u0646\u0627\u062a\u060c \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0644\u063a\u0629 \u0645\u0628\u062a\u0630\u0644\u0629\u060c \u0645\u0648\u0627\u062f \u0641\u0627\u062d\u0634\u0629\u060c \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0625\u0647\u0627\u0646\u0627\u062a\u060c \u062a\u062c\u0627\u0648\u0632\u0627\u062a \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u062b\u0642\u0627\u0641\u064a\u0629 \u0623\u0648 \u062f\u064a\u0646\u064a\u0629\u060c \u0623\u064a \u0645\u062d\u062a\u0648\u0649 \u0633\u064a\u0627\u0633\u064a \u0646\u0642\u062f\u064a\u060c \u0645\u0648\u0627\u062f \u062a\u0647\u062f\u062f \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0623\u0648 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a\u060c \u062a\u0633\u0628\u0628 \u0627\u0644\u0625\u0633\u0627\u0621\u0629 \u0623\u0648 \u0627\u0644\u062a\u0634\u0647\u064a\u0631 \u0623\u0648 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0621\u060c \u0623\u064a \u0645\u062d\u062a\u0648\u0649 \u0622\u062e\u0631 \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0647\u064a\u0646\u064b\u0627 \u0623\u0648 \u0641\u0627\u062d\u0634\u064b\u0627 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0646\u0627\u0633\u0628.<\/span><\/p><p><span style=\"font-weight: 400;\">13.2 \u0646\u062d\u0646 \u0645\u062e\u0648\u0644\u0648\u0646 \u0628\u0631\u0641\u0636 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0644\u0623\u064a \u0633\u0628\u0628 \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0646\u0627 \u0627\u0644\u0645\u0637\u0644\u0642. \u0646\u062d\u0646 \u0644\u0633\u0646\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0646 \u0639\u0646 \u0623\u064a \u0631\u0641\u0636 \u0644\u062d\u0633\u0627\u0628\u0643 \u0623\u0648 \u0631\u0641\u0636 \u062a\u0646\u0641\u064a\u0630 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0629. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9b31b32 elementor-widget elementor-widget-heading\" data-id=\"9b31b32\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">14. \u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062a\u0648\u0627\u0641\u0631\u0647\u0627:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b835c6 elementor-widget elementor-widget-text-editor\" data-id=\"8b835c6\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">14.1 \u0633\u062a\u0639\u0645\u0644 (MIS Pay) \u062f\u0627\u0626\u0645\u064b\u0627 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0623\u0641\u0636\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0644\u0643\u060c \u0648\u062d\u062a\u0649 \u0645\u0633\u062a\u0648\u0649 \u062e\u062f\u0645\u0629 \u0645\u062a\u0645\u064a\u0632\u060c \u062d\u064a\u062b \u062a\u0628\u0630\u0644 (MIS Pay) \u0643\u0644 \u062c\u0647\u062f \u0644\u0636\u0645\u0627\u0646 \u062a\u0648\u0641\u0631 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u0642\u0627\u0628\u0644\u064a\u062a\u0647\u0627 \u0644\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0648\u0644\u0643\u0646 (MIS Pay) \u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u0639\u062f\u0645 \u062a\u0648\u0641\u0631 \u0623\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u0644\u062f\u0649 \u0623\u064a \u062a\u0627\u062c\u0631\u060c \u062d\u064a\u062b \u062a\u0645 \u0639\u0631\u0636 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6a6ed6 elementor-widget elementor-widget-heading\" data-id=\"f6a6ed6\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">15. \u062e\u062f\u0645\u0627\u062a \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0628\u064a\u0639 \u0644\u0644\u0645\u0646\u062a\u062c\u0627\u062a:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a67966e elementor-widget elementor-widget-text-editor\" data-id=\"a67966e\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">15.1 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0639\u0629 \u0628\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0622\u062c\u0644 (MIS Pay) \u0645\u0646 \u062e\u0644\u0627\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u062d\u0645\u0644 \u0627\u0633\u0645 \u0627\u0644\u0639\u0644\u0627\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0644\u0640 (MIS Pay) \u0647\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0648\u0627\u0644\u062f\u0639\u0645 \u0644\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u062a\u062c\u0627\u0631 \u0623\u0648 \u0627\u0644\u0645\u0635\u0646\u0639\u064a\u0646 \u0623\u0648 \u0627\u0644\u0648\u0643\u0644\u0627\u0621 \u0627\u0644\u0645\u062d\u0644\u064a\u064a\u0646 \u0641\u0642\u0637\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u0648\u0631\u062f\u064a\u0646\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0643\u0644 \u0645\u0646\u062a\u062c. \u0643\u0630\u0644\u0643\u060c \u0644\u0627 \u062a\u0645\u0646\u062d (MIS Pay) \u0623\u064a \u0636\u0645\u0627\u0646 \u0645\u0646 \u0623\u064a \u0646\u0648\u0639 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0628\u0627\u0639\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u0644\u0630\u0644\u0643\u060c \u064a\u064f\u0631\u062c\u0649 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0628\u0627\u0644\u062a\u062c\u0627\u0631 \u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062f\u0639\u0645 \u0641\u0646\u064a \u0623\u0648 \u062e\u062f\u0645\u0629 \u0639\u0645\u0644\u0627\u0621 \u0623\u0648 \u062e\u062f\u0645\u0629 \u0645\u0627 \u0628\u0639\u062f \u0627\u0644\u0628\u064a\u0639 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0645\u0646\u062a\u062c\u0627\u062a\u0647\u0645. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fca6ad elementor-widget elementor-widget-heading\" data-id=\"8fca6ad\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">16. \u0627\u0644\u062f\u0641\u0639:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65613dd elementor-widget elementor-widget-text-editor\" data-id=\"65613dd\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">16.1 \u0628\u0645\u062c\u0631\u062f \u0625\u0646\u0634\u0627\u0621 \u062d\u0633\u0627\u0628 \u0645\u0639 (MIS Pay) \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u062a\u0645\u0646\u062d\u0643 (MIS Pay) \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0637\u0644\u0628 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0639\u0646\u062f \u0627\u062e\u062a\u064a\u0627\u0631\u0643 \u0644\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u064a\u0627\u0631 \u0627\u0644\u062f\u0641\u0639 \u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0644\u062f\u0649 \u0627\u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0639\u0646\u064a \u0623\u0648 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062c\u0627\u0631.<\/span><\/p><p><span style=\"font-weight: 400;\">16.2 \u062a\u062a\u064a\u062d \u0644\u0643 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u062a\u0627\u062c\u0631 \u0623\u0648 \u0645\u0646\u0635\u0629 \u062a\u0627\u062c\u0631 \u0645\u0639 \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0648\u0642\u062a \u0644\u0627\u062d\u0642 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0634\u0631\u0648\u0637 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0623\u062b\u0646\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0643\u0645\u0627 \u0647\u0648 \u0645\u062d\u062f\u062f \u0641\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0625\u0628\u0631\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0641\u0625\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0648\u062a\u0642\u0631 \u0628\u0623\u0646\u0643 \u0642\u062f \u062a\u0641\u0647\u0645 \u0648\u062a\u0642\u0628\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0623\u0645\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0643\u0645\u0627 \u0647\u0648 \u0645\u062d\u062f\u062f \u0641\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639.<\/span><\/p><p><span style=\"font-weight: 400;\">16.3 \u0628\u0645\u062c\u0631\u062f \u0627\u062e\u062a\u064a\u0627\u0631\u0643 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0641\u064a \u0646\u0642\u0637\u0629 \u0628\u064a\u0639 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u062b\u0646\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639\u060c \u0633\u064a\u064f\u0637\u0644\u0628 \u0645\u0646\u0643 \u0627\u062e\u062a\u064a\u0627\u0631 \u0645\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0634\u0631\u0648\u0637 \u0627\u0644\u062f\u0641\u0639\u060c \u0625\u0646 \u0648\u062c\u062f\u062a\u060c \u0627\u0644\u062a\u064a \u0633\u062a\u0635\u0628\u062d \u0633\u0627\u0631\u064a\u0629 \u0648\u0645\u0644\u0632\u0645\u0629 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 (MIS Pay) \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u0645\u0631 \u0627\u0644\u0634\u0631\u0627\u0621 \u0647\u0630\u0627. \u062a\u0648\u0641\u0631 (MIS Pay) \u0637\u0631\u0642 \u062f\u0641\u0639 \u0645\u062a\u0646\u0648\u0639\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0639\u0628\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646. <\/span><\/p><p><span style=\"font-weight: 400;\">16.4 \u062a\u062d\u062a\u0641\u0638 (MIS Pay) \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0625\u062c\u0631\u0627\u0621 \u0623\u064a \u062a\u063a\u064a\u064a\u0631 \u0623\u0648 \u062a\u0639\u062f\u064a\u0644 \u0641\u064a \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0623\u0648 \u0639\u0645\u0644\u064a\u0629 \u062a\u0648\u0641\u0631\u0647\u0627.<\/span><\/p><p><span style=\"font-weight: 400;\">16.5 \u062a\u0642\u062f\u0645 (MIS Pay) \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0632\u0648\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0637\u0631\u0641 \u062b\u0627\u0644\u062b\u060c \u0645\u0639 \u0627\u0644\u0639\u0644\u0645 \u0623\u0646 (MIS Pay) \u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0623\u064a \u062e\u0637\u0623 \u0623\u0648 \u0636\u0631\u0631 \u0623\u0648 \u0623\u064a \u0645\u0633\u0623\u0644\u0629 \u0645\u0645\u0627\u062b\u0644\u0629 \u0642\u062f \u064a\u062a\u0639\u0631\u0636 \u0644\u0647\u0627 \u0627\u0644\u0639\u0645\u064a\u0644 \u0646\u062a\u064a\u062c\u0629 \u0623\u0648 \u0628\u0633\u0628\u0628 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a. \u062d\u064a\u062b \u062a\u0642\u0639 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0644\u0649 \u0645\u0632\u0648\u062f \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b. <\/span><\/p><p><span style=\"font-weight: 400;\">16.6 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u062a\u063a\u0637\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 \u0643\u0627\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0639\u0646\u064a\u060c \u0628\u062d\u064a\u062b \u064a\u0645\u0643\u0646 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0637\u0644\u0628\u0627\u062a\u060c \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u062d\u062f\u0648\u062f \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/span><\/p><p><span style=\"font-weight: 400;\">16.7 \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0641\u0625\u0646\u0643\u060c \u0627\u0644\u0639\u0645\u064a\u0644\u060c \u062a\u0648\u0627\u0641\u0642 \u0648\u062a\u0641\u0648\u0636 (MIS Pay) \u0628\u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0644\u063a \u0645\u0646 \u062d\u0633\u0627\u0628 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062e\u0632\u0646 \u0641\u064a (\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u062e\u0627\u0635) \u0645\u0639 (MIS Pay) \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0644\u0644\u062f\u0641\u0639. \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u062d\u0641\u0638 \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0645\u0639\u0646\u0627 \u0623\u0648 \u0645\u0639 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u064a\u0646 \u0644\u062f\u064a\u0646\u0627 \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0645\u0627 \u0648\u0631\u062f \u0641\u064a \u0646\u0638\u0627\u0645 \u201d\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u201c\u060c \u064a\u062d\u0642 \u0644\u0640 (MIS Pay) \u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0641\u064a \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u062d\u0642\u0627\u0642 \u0645\u0646 \u062d\u0633\u0627\u0628 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0645\u062e\u0632\u0646. \u0625\u0630\u0627 \u0641\u0634\u0644\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0644\u0644\u0642\u0633\u0637 \u0623\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0641\u0648\u0631\u064b\u0627. \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u0645\u0627 \u064a\u0643\u0641\u064a \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0633\u062a\u062d\u0642\u0627\u0642\u0627\u062a\u0643 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629. <\/span><\/p><p><span style=\"font-weight: 400;\">16.8 \u0642\u062f \u062a\u0642\u0648\u0645 (MIS Pay)\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0637\u0644\u0642\u060c \u0641\u064a \u0623\u064a \u0648\u0642\u062a\u060c \u0628\u0625\u0628\u062f\u0627\u0621 \u0623\u064a \u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u062a\u0631\u0627\u0647\u0627 \u0636\u0631\u0648\u0631\u064a\u0629\u060c \u0633\u0648\u0627\u0621 \u0628\u0634\u0643\u0644 \u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629\u060c \u0648\u0642\u062f \u062a\u0637\u0644\u0628 \u0645\u0646\u0643 \u0623\u064a\u0636\u064b\u0627 \u062a\u0632\u0648\u064a\u062f\u0647\u0627 \u0628\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0648\u062b\u0627\u0626\u0642\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645 \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0639\u0644\u0649 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\u062f\u0648\u0646 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0644\u064a\u0647\u0627\u060c \u0628\u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0623\u0648 \u062a\u0642\u064a\u064a\u062f \u0623\u0648 \u0625\u064a\u0642\u0627\u0641 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\/\u0623\u0648 \u0633\u062d\u0628 \u0639\u0636\u0648\u064a\u062a\u0643 \u0645\u0646\u0647\u0627. <\/span><\/p><p><span style=\"font-weight: 400;\">16.9 \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u062a\u0642\u0631 \u0628\u0645\u0644\u0627\u0621\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0648\u0641\u0627\u0621 \u0628\u062c\u0645\u064a\u0639 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\u062d\u0627\u0644\u0629 \u062a\u0623\u062e\u0631\u0643 \u0623\u0648 \u062a\u062e\u0644\u0641\u0643 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f. <\/span><\/p><p><span style=\"font-weight: 400;\">16-12 \u062a\u0648\u0627\u0641\u0642 \u0648\u0641\u0642\u064b\u0627 \u0644\u0625\u0639\u0644\u0627\u0646 \u0633\u0645\u0629\u060c \u0627\u0644\u0630\u064a \u064a\u0646\u0635 \u0639\u0644\u0649: \u201d\u0623\u0646\u0627 \u0627\u0644\u0645\u0648\u0642\u0639 \u0623\u062f\u0646\u0627\u0647 \u0623\u0642\u0631 \u0628\u0623\u0646 \u0628\u064a\u0627\u0646\u0627\u062a\u064a \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0635\u062d\u064a\u062d\u0629 \u0648\u062f\u0642\u064a\u0642\u0629 \u0648\u0643\u0627\u0645\u0644\u0629\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0623\u0642\u0631 \u0628\u0645\u0648\u0627\u0641\u0642\u062a\u064a \u0639\u0644\u0649 \u062a\u0641\u0648\u064a\u0636 (MIS Pay) \u0628\u0625\u0646\u0634\u0627\u0621 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\u0645\u0639 \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0639\u0636\u0627\u0621 \u0627\u0644\u062d\u0627\u0644\u064a\u064a\u0646 \u0648\u0627\u0644\u0645\u062d\u062a\u0645\u0644\u064a\u0646 \u0644\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (\u0633\u0645\u0629) \u0623\u0648 \u0644\u0623\u064a \u062c\u0647\u0629 \u0645\u0639\u062a\u0645\u062f\u0629 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a.\u201c<\/span><\/p><p><span style=\"font-weight: 400;\">16.13 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u0646\u0643 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0648\u0623\u0646\u0643 \u0644\u0627 \u062a\u0633\u062a\u062e\u062f\u0645 \u062e\u062f\u0645\u0627\u062a (MIS Pay) \u0641\u064a \u0623\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u063a\u0633\u0644 \u0623\u0645\u0648\u0627\u0644 \u0623\u0648 \u0627\u062d\u062a\u064a\u0627\u0644 \u0623\u0648 \u0639\u0645\u0644\u064a\u0627\u062a \u0633\u064a\u0648\u0644\u0629.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-658123e elementor-widget elementor-widget-heading\" data-id=\"658123e\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">17. \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cb7121 elementor-widget elementor-widget-text-editor\" data-id=\"8cb7121\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">17.1 \u0644\u0646 \u062a\u0643\u0648\u0646 (MIS Pay) \u0645\u0633\u0624\u0648\u0644\u0629 \u062a\u062c\u0627\u0647\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0623\u064a \u0639\u0645\u0644\u064a\u0629 \u0627\u0633\u062a\u0631\u062f\u0627\u062f\u060c \u0628\u064a\u0646\u0645\u0627 \u0642\u062f \u062a\u0644\u0639\u0628 (MIS Pay) \u062f\u0648\u0631\u064b\u0627 \u0641\u064a \u062a\u0633\u0647\u064a\u0644 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0648\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0623\u0648 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0637\u0644\u0642\u060c \u0641\u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u062f\u0648\u0631 \u0644\u0627 \u064a\u062a\u0636\u0645\u0646 \u062a\u062d\u0645\u0644 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f\u0627\u062a.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8be5c54 elementor-widget elementor-widget-heading\" data-id=\"8be5c54\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">18. \u0627\u0644\u0633\u0631\u064a\u0629 \u0648\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a593287 elementor-widget elementor-widget-text-editor\" data-id=\"a593287\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">18.1 \u062a\u0644\u062a\u0632\u0645 (MIS Pay) \u0628\u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u0645\u0647\u0646\u064a\u0629 \u0627\u0644\u0645\u0639\u0642\u0648\u0644\u0629 \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u0631\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u0628\u062d\u0648\u0632\u062a\u0647\u0627\u060c \u0648\u0639\u062f\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0623\u0648 \u062a\u0628\u0627\u062f\u0644\u0647\u0627 \u0628\u064a\u0646\u0647\u0627 \u0648\u0628\u064a\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0625\u0644\u0627 \u0641\u064a \u062d\u062f\u0648\u062f \u0648\u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0646\u0635\u0648\u0635 \u0639\u0644\u064a\u0647\u0627 \u0641\u064a \u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0644\u0648\u0627\u0626\u062d\u0647 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">18.2 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u064a\u0629 \u0623\u0648 \u0627\u0644\u0648\u062b\u0627\u0626\u0642\u060c \u0627\u0644\u062a\u064a \u062a\u0637\u0644\u0628\u0647\u0627 (MIS Pay) \u0628\u0634\u0643\u0644 \u0645\u0639\u0642\u0648\u0644 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u062a\u0643 \u0641\u064a\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628\u0643 \u0641\u064a (MIS Pay) \u0623\u0648 \u0623\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0644\u062e\u062f\u0645\u0627\u062a (MIS Pay)\u060c \u0648\u062a\u0641\u0648\u0636\u0646\u0627 \u0628\u0625\u062c\u0631\u0627\u0621 \u0623\u064a \u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a \u0646\u0631\u0627\u0647\u0627 \u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0647\u0648\u064a\u062a\u0643. \u062a\u062d\u062a\u0641\u0638 (MIS Pay) \u0628\u0627\u0644\u062d\u0642 \u0641\u064a \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0641\u064a (MIS Pay) \u0623\u0648 \u062a\u0639\u0644\u064a\u0642 \u0623\u0648 \u062a\u0642\u064a\u064a\u062f \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 (MIS Pay) \u0625\u0630\u0627 \u0644\u0645 \u0646\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u0648 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0628\u0645\u0627 \u064a\u0631\u0636\u064a\u0646\u0627. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">18.3 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0648\u062a\u0641\u0648\u0636 (MIS Pay) \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u064a \u0623\u0648 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u064a\u0629 \u0648\u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0645 \u062c\u0645\u0639\u0647\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0644\u0640 (MIS Pay) \u0623\u0648 \u0627\u0644\u062a\u0627\u062c\u0631 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631. \u0642\u062f \u064a\u062a\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0623\u0648 \u0627\u0644\u0643\u0634\u0641 \u0639\u0646\u0647\u0627 \u0644\u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629\u060c \u0642\u062f \u064a\u0634\u0645\u0644 \u0630\u0644\u0643 \u0645\u0634\u0627\u0631\u0643\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0627\u0644\u062a\u0639\u0631\u064a\u0641\u064a\u0629 \u0648\u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u0639 \u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629 \u0644\u0623\u063a\u0631\u0627\u0636 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0623\u0648 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0623\u0648 \u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0627\u0644\u0641\u062d\u0648\u0635\u0627\u062a \u0627\u0644\u0645\u0645\u0627\u062b\u0644\u0629\u060c \u0623\u0648 \u0644\u0623\u064a \u063a\u0631\u0636 \u0622\u062e\u0631 \u0642\u062f \u062a\u0631\u0627\u0647 (MIS Pay) \u0636\u0631\u0648\u0631\u064a\u064b\u0627 \u0644\u062a\u0645\u0643\u064a\u0646 (MIS Pay) \u0645\u0646 \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0643 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">18.4 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627\u060c \u0639\u0646\u062f \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0644\u0640 (MIS Pay) \u0639\u0644\u0649 \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629\u060c \u0645\u0639 \u0627\u0644\u0639\u0644\u0645 \u0628\u0623\u0646 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0633\u064a\u062a\u0645 \u062c\u0645\u0639\u0647\u0627 \u0648\u0641\u0647\u0645 \u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639\u0647\u0627.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">18.5 \u0625\u0630\u0627 \u0643\u0646\u062a \u0644\u0627 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0633\u064a\u0627\u0633\u0627\u062a\u0646\u0627 \u0648\u0645\u0645\u0627\u0631\u0633\u0627\u062a\u0646\u0627\u060c \u0641\u0644\u0646 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0644\u0640 (MIS Pay).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">18.6 \u0644\u0646 \u062a\u0633\u0645\u062d (MIS Pay) \u0644\u0644\u0639\u0645\u064a\u0644 (\u0627\u0644\u0645\u062a\u0639\u0627\u0642\u062f \u0645\u0639 (MIS Pay)) \u0628\u0627\u0644\u0643\u0634\u0641 \u0644\u0623\u0637\u0631\u0627\u0641 \u062b\u0627\u0644\u062b\u0629 \u0639\u0646 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u0645 \u0627\u0633\u062a\u0644\u0627\u0645\u0647\u0627 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0623\u0648 \u0639\u0642\u062f \u062e\u062f\u0645\u0629 \u0645\u0628\u0631\u0645 \u0645\u0639 (MIS Pay)\u060c \u0648\u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u062a\u0639\u0644\u0642 \u0628\u0623\u0639\u0645\u0627\u0644 (MIS Pay) \u0644\u0646 \u064a\u062a\u0645 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u064a\u0647\u0627. (MIS Pay) \u0628\u0637\u0631\u064a\u0642\u0629 \u062a\u0634\u0645\u0644 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0641\u064a \u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0624\u062b\u0631 \u0633\u0644\u0628\u064b\u0627 \u0639\u0644\u0649 \u0623\u0639\u0645\u0627\u0644 (MIS Pay)\u060c \u0648\u064a\u0643\u0648\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0633\u0624\u0648\u0644\u0627\u064b \u0639\u0646 \u062a\u0639\u0648\u064a\u0636 (MIS Pay) \u0639\u0646 \u0623\u064a \u062e\u0633\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0623\u0648 \u0627\u0644\u0633\u0645\u0639\u0629\u060c \u0625\u0630\u0627 \u062d\u062f\u062b \u0630\u0644\u0643 \u0646\u062a\u064a\u062c\u0629 \u0644\u0623\u064a \u0625\u062c\u0631\u0627\u0621 \u0627\u062a\u062e\u0630\u0647 \u0627\u0644\u0639\u0645\u064a\u0644. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">18.7 \u0644\u0646 \u062a\u0643\u0648\u0646 (MIS Pay) \u0645\u0633\u0624\u0648\u0644\u0629 \u0639\u0646 \u0623\u064a \u0625\u0633\u0627\u0621\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0644\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0634\u062e\u0635\u064a \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u062a\u0641\u0648\u064a\u0636 \u0623\u064a \u0634\u062e\u0635 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0634\u062e\u0635\u064a \u0623\u0648 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u0633\u062c\u064a\u0644\u0643 \u0644\u0625\u062c\u0631\u0627\u0621 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u062d\u0633\u0627\u0628\u0643\u060c \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u064a\u0647\u060c \u0633\u062a\u0643\u0648\u0646 \u0645\u0633\u0624\u0648\u0644\u0627\u064b \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0645 \u0639\u0644\u0649 \u062d\u0633\u0627\u0628\u0643\u060c \u0648\u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646\u0643 \u0644\u0646 \u062a\u062d\u0645\u0644\u0646\u0627 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0648\u0627\u0642\u0628 \u0623\u0641\u0639\u0627\u0644 \u0623\u064a \u0637\u0631\u0641 \u062b\u0627\u0644\u062b \u062a\u0633\u0645\u062d \u0644\u0647 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0633\u0627\u0628\u0643.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3338e2 elementor-widget elementor-widget-heading\" data-id=\"c3338e2\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">19. \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c604d1 elementor-widget elementor-widget-text-editor\" data-id=\"5c604d1\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">19.1 (MIS Pay) \u0647\u0648 \u0645\u0646\u0635\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0627 \u062a\u0634\u0627\u0631\u0643 \u0641\u064a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u062a\u062c\u0627\u0631 \u0648\u0627\u0644\u0628\u0627\u0626\u0639\u064a\u0646 \u0623\u0648 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629\u060c \u0648(MIS Pay) \u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0628\u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0627\u0644\u0623\u0634\u0643\u0627\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0623\u064a \u062d\u0627\u0644\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u062a\u062c\u0627\u0631 \u0648\u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0623\u064a \u0641\u0634\u0644 \u0641\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631 \u0623\u0648 \u0646\u0648\u0639\u0647\u0627 \u0623\u0648 \u0639\u0644\u0627\u0645\u062a\u0647\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0623\u0648 \u0645\u0648\u062b\u0648\u0642\u064a\u062a\u0647\u0627 \u0623\u0648 \u0643\u0641\u0627\u0621\u062a\u0647\u0627 \u0623\u0648 \u0623\u0635\u0627\u0644\u062a\u0647\u0627 \u0623\u0648 \u062a\u0648\u0641\u0631\u0647\u0627 \u0623\u0648 \u0642\u0627\u0646\u0648\u0646\u064a\u062a\u0647\u0627.<\/span><\/p><p><span style=\"font-weight: 400;\">19.2 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u062c\u0627\u0631 \u0645\u0646 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u0645\u0633\u062a\u0642\u0644\u064a\u0646 \u0648\u064a\u062a\u0639\u0627\u0642\u062f\u0648\u0646 \u0641\u0642\u0637 \u0645\u0639 (MIS Pay)\u060c \u0648\u0644\u0627 \u064a\u0639\u062a\u0628\u0631\u0648\u0646 \u0645\u0648\u0638\u0641\u064a\u0646 \u0644\u062f\u0649 (MIS Pay) \u0623\u0648 \u0645\u0645\u062b\u0644\u064a\u0647\u0627 \u0623\u0648 \u0648\u0643\u0644\u0627\u0626\u0647\u0627. \u0643\u0645\u0627 \u0623\u0646 (MIS Pay) \u0644\u0627 \u062a\u0642\u0648\u0645 \u0628\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0645\u0647\u0627\u0645 \u0628\u0646\u0641\u0633\u0647\u0627\u060c \u0628\u0644 \u062a\u062f\u064a\u0631 \u0639\u0645\u0644\u064a\u0629 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0645\u0647\u0627\u0645 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u062a\u0647\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0628\u062a\u0648\u0641\u064a\u0631 \u0639\u0645\u0644\u064a\u0629 \u062a\u0648\u0627\u0635\u0644 \u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0627\u0644\u062a\u0627\u062c\u0631\u060c \u0648\u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0645 \u0628\u064a\u0646\u0647\u0645 \u0648\u0628\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0623\u0648 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629\u060c \u0648\u0641\u064a \u062d\u0627\u0644 \u0646\u0634\u0648\u0621 \u0646\u0632\u0627\u0639 \u0628\u064a\u0646 \u0623\u064a \u0645\u0646 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u064a\u0646 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u064a\u062a\u0639\u0647\u062f \u0643\u0644 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u062a\u062c\u0627\u0631 \u0628\u0625\u0639\u0641\u0627\u0621 (MIS Pay) \u0645\u0646 \u0623\u064a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0623\u0648 \u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0623\u064a \u0646\u0632\u0627\u0639\u0627\u062a \u0628\u064a\u0646 \u0623\u064a \u0637\u0631\u0641 \u0628\u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0627\u0644\u0623\u0634\u0643\u0627\u0644. \u0648\u064a\u062a\u0639\u0647\u062f\u0648\u0646 \u0628\u0625\u0639\u0641\u0627\u0621 (MIS Pay) \u0648\u0648\u0643\u0644\u0627\u0626\u0647\u0627 \u0648\u0645\u0648\u0638\u0641\u064a\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0648\u0627\u0644\u0645\u0637\u0627\u0644\u0628 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0645\u0646 \u0623\u064a \u0646\u0648\u0639 \u0623\u0648 \u0637\u0628\u064a\u0639\u0629\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0645\u0639\u0631\u0648\u0641\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0639\u0631\u0648\u0641\u0629\u060c \u0645\u0639\u0644\u0646\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0639\u0644\u0646\u0629\u060c \u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0623\u0648 \u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0627\u0644\u0623\u0634\u0643\u0627\u0644 \u0628\u0647\u0630\u0647 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a. <\/span><\/p><p><span style=\"font-weight: 400;\">19.3 \u0628\u0645\u0648\u062c\u0628 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u060c \u062a\u0642\u0631 \u0648\u062a\u0641\u0647\u0645 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0648\u062c\u0648\u062f \u0645\u062e\u0627\u0637\u0631 \u0623\u0648 \u0623\u062e\u0637\u0627\u0621 \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631 \u0623\u0648 \u0645\u0646 \u0645\u0642\u062f\u0645\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629. \u0644\u0630\u0644\u0643\u060c \u064a\u0643\u0648\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u0641\u0642\u064b\u0627 \u0644\u0642\u0631\u0627\u0631\u0647\u060c \u0648(MIS Pay) \u0644\u0627 \u062a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0630\u0644\u0643. <\/span><\/p><p><span style=\"font-weight: 400;\">19.4 \u0644\u0627 \u062a\u0643\u0648\u0646 (MIS Pay) \u0645\u0633\u0624\u0648\u0644\u0629 \u062a\u062c\u0627\u0647\u0643 \u0623\u0648 \u062a\u062c\u0627\u0647 \u0623\u064a \u0634\u062e\u0635 \u0622\u062e\u0631 \u0639\u0646 \u0623\u064a \u0623\u0636\u0631\u0627\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u0639\u0631\u0636\u064a\u0629 \u0623\u0648 \u062e\u0627\u0635\u0629 \u0623\u0648 \u0639\u0642\u0627\u0628\u064a\u0629 \u0623\u0648 \u062a\u0628\u0639\u064a\u0629 \u0642\u062f \u062a\u0646\u0634\u0623\u060c \u062d\u062a\u0649 \u0625\u0630\u0627 \u062a\u0645 \u0625\u0628\u0644\u0627\u063a (MIS Pay) \u0628\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062d\u062f\u0648\u062b \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0623\u0636\u0631\u0627\u0631. \u0644\u0627 \u062a\u0643\u0648\u0646 (MIS Pay) \u0645\u0633\u0624\u0648\u0644\u0629 \u0639\u0646 \u0623\u064a \u0623\u0636\u0631\u0627\u0631 \u0623\u0648 \u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a \u0623\u0648 \u062e\u0633\u0627\u0626\u0631 \u062a\u062a\u0643\u0628\u062f\u0647\u0627 \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0623\u0648 \u0627\u0639\u062a\u0645\u0627\u062f\u0643 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0646\u062a\u064a\u062c\u0629 \u0644\u0639\u062f\u0645 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627\u060c \u0623\u0648 \u0645\u0646 \u0623\u064a \u0645\u0639\u0627\u0645\u0644\u0629 \u0623\u0648 \u0639\u0644\u0627\u0642\u0629 \u0646\u0634\u0623\u062a \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 \u0623\u064a \u062a\u0627\u062c\u0631\u060c \u062d\u062a\u0649 \u0625\u0630\u0627 \u062a\u0645 \u0625\u0628\u0644\u0627\u063a (MIS Pay) \u0628\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062d\u062f\u0648\u062b \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0623\u0636\u0631\u0627\u0631. \u0643\u0645\u0627 \u0623\u0646 (MIS Pay) \u0644\u064a\u0633\u062a \u0645\u0633\u0624\u0648\u0644\u0629 \u0639\u0646 \u0623\u064a \u062a\u0623\u062e\u064a\u0631 \u0623\u0648 \u0641\u0634\u0644 \u0641\u064a \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u060c \u0648\u0644\u0627 \u062a\u0643\u0648\u0646 \u0645\u0633\u0624\u0648\u0644\u0629 \u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u062a\u0627\u062c\u0631 \u062a\u0635\u0631\u064a\u062d \u0645\u0647\u0646\u064a \u0623\u0648 \u0645\u062a\u062e\u0635\u0635 \u0644\u0644\u0639\u0645\u0644. <\/span><\/p><p><span style=\"font-weight: 400;\">19.5 \u062a\u064f\u0642\u062f\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0643\u0645\u0627 \u0647\u064a \u0645\u0639\u0631\u0648\u0636\u0629 \u0648\u0643\u0645\u0627 \u0647\u064a \u0645\u062a\u0627\u062d\u0629 \u0645\u0646\u0647\u0627\u060c \u0648\u064a\u062a\u0645 \u0625\u0639\u0641\u0627\u0621 (MIS Pay) \u0648\u0625\u062e\u0644\u0627\u0621 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0647\u0627 \u0645\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u062a\u0646\u0635\u0644\u0627\u062a\u060c \u0627\u0644\u0635\u0631\u064a\u062d\u0629 \u0623\u0648 \u0627\u0644\u0636\u0645\u0646\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u0644\u0645 \u064a\u062a\u0645 \u0630\u0643\u0631\u0647\u0627 \u0635\u0631\u0627\u062d\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u0645\u0646\u064a\u0629 \u0628\u0634\u0623\u0646 \u0642\u062f\u0631\u0629 \u0627\u0644\u0628\u0627\u0626\u0639 \u0648\u0645\u0644\u0627\u0621\u0645\u0629 \u062e\u062f\u0645\u0627\u062a\u0647 \u0644\u063a\u0631\u0636 \u0645\u0639\u064a\u0646 \u0648\u0628\u062f\u0648\u0646 \u0627\u0644\u0625\u0636\u0631\u0627\u0631 \u0628\u0647\u0627\u060c \u0648\u0644\u0627 \u062a\u0642\u062f\u0645 (MIS Pay) \u0623\u064a \u062a\u0646\u0635\u0644\u0627\u062a \u0623\u0648 \u0636\u0645\u0627\u0646\u0627\u062a \u0628\u0634\u0623\u0646 \u0645\u0635\u062f\u0627\u0642\u064a\u0629 \u0623\u0648 \u062c\u0648\u062f\u0629 \u0623\u0648 \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0623\u0648 \u062a\u0648\u0641\u0631 \u0623\u0648 \u0645\u0627\u0644\u0643 \u0623\u0635\u0644\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0633\u0644\u0639\u060c \u0623\u0648 \u0623\u064a \u062e\u062f\u0645\u0627\u062a \u0645\u0637\u0644\u0648\u0628\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0629 (MIS Pay)\u060c \u0648\u0644\u0627 \u062a\u0636\u0645\u0646 (MIS Pay) \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u063a\u064a\u0631 \u0645\u0646\u0642\u0637\u0639\u0629 \u0623\u0648 \u062e\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621. \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u0646\u0643 \u062a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0623\u064a \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0645\u0646 (MIS Pay)\u060c \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f \u064a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647. <\/span><\/p><p><span style=\"font-weight: 400;\">19.6 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u062a\u064f\u0639\u0631\u0636 \u0644\u0623\u063a\u0631\u0627\u0636 \u0639\u0627\u0645\u0629 \u0641\u0642\u0637. \u0623\u0645\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u062a\u0644\u0642\u0627\u0647\u0627 (MIS Pay)\u060c \u0641\u0625\u0646\u0646\u0627 \u0646\u0628\u0630\u0644 \u0642\u0635\u0627\u0631\u0649 \u062c\u0647\u062f\u0646\u0627 \u0644\u0636\u0645\u0627\u0646 \u0628\u0642\u0627\u0621 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u062d\u062f\u062b\u0629 \u0648\u0635\u062d\u064a\u062d\u0629\u060c \u0644\u0643\u0646\u0646\u0627 \u0644\u0627 \u0646\u0642\u062f\u0645 \u0623\u064a \u062a\u0646\u0635\u0644\u0627\u062a \u0623\u0648 \u0636\u0645\u0627\u0646\u0627\u062a \u0645\u0646 \u0623\u064a \u0646\u0648\u0639\u060c \u0633\u0648\u0627\u0621 \u0634\u0641\u0647\u064a\u064b\u0627 \u0623\u0648 \u0636\u0645\u0646\u064a\u064b\u0627\u060c \u0645\u0646 \u062d\u064a\u062b \u0627\u0643\u062a\u0645\u0627\u0644 \u0623\u0648 \u062f\u0642\u0629 \u0623\u0648 \u0645\u0648\u062b\u0648\u0642\u064a\u0629 \u0623\u0648 \u0645\u0644\u0627\u0621\u0645\u0629 \u0623\u0648 \u062a\u0648\u0641\u0631 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0625\u0639\u0644\u0627\u0646\u0627\u062a \u0623\u0648 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629 \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0623\u064a \u063a\u0631\u0636. \u0644\u0630\u0644\u0643\u060c \u0641\u0625\u0646 \u0627\u0639\u062a\u0645\u0627\u062f\u0643 \u0639\u0644\u0649 \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u064a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644. <\/span><\/p><p><span style=\"font-weight: 400;\">19.7 \u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0633\u062c\u0644\u0629 \u0639\u0644\u0649 (MIS Pay) \u062a\u0639\u062a\u0628\u0631 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0631\u0627\u0642\u0628\u0629 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u060c \u0644\u0623\u0633\u0628\u0627\u0628 \u0623\u0645\u0646\u064a\u0629 \u0648\u0623\u062f\u0627\u0621.<\/span><\/p><p><span style=\"font-weight: 400;\">19.8 \u0644\u0627 \u062a\u0643\u0648\u0646 (MIS Pay) \u0645\u0633\u0624\u0648\u0644\u0629 \u0639\u0646 \u0623\u064a \u062a\u0623\u062e\u064a\u0631 \u0623\u0648 \u0639\u0631\u0642\u0644\u0629 \u0623\u0648 \u0641\u0634\u0644 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0633\u0628\u0628 \u0641\u064a \u0630\u0644\u0643 \u064a\u0639\u0648\u062f \u0625\u0644\u0649 \u062d\u062f\u062b \u0642\u0648\u0629 \u0642\u0627\u0647\u0631\u0629 \u0623\u0648 \u0623\u062d\u062f\u0627\u062b \u0645\u0634\u0627\u0628\u0647\u0629 \u062e\u0627\u0631\u062c\u0629 \u0639\u0646 \u0633\u064a\u0637\u0631\u062a\u0646\u0627 \u0623\u0648 \u062d\u0643\u0645\u0646\u0627 \u0648\u062a\u0645\u0646\u0639 \u0623\u0648 \u062a\u0639\u064a\u0642 \u0639\u0645\u0644\u064a\u0629 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">19.9 \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0625\u0639\u0641\u0627\u0621 (MIS Pay) \u0648\u0623\u064a \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0647\u0627 \u0623\u0648 \u0645\u0633\u0624\u0648\u0644\u064a\u0647\u0627 \u0623\u0648 \u0645\u062f\u064a\u0631\u064a\u0647\u0627 \u0623\u0648 \u0645\u0648\u0638\u0641\u064a\u0647\u0627 \u0623\u0648 \u0648\u0643\u0644\u0627\u0626\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0648\u062a\u0639\u0648\u064a\u0636\u0647\u0645 \u0639\u0646 \u0623\u064a \u0648\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0623\u0648 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a \u0623\u0648 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0623\u0648 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0623\u0648 \u0627\u0644\u0646\u0641\u0642\u0627\u062a\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0644\u0627 \u0627\u0644\u062d\u0635\u0631 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0623\u0648 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0627\u0644\u0623\u0634\u0643\u0627\u0644 \u0628\u0645\u0627 \u064a\u0644\u064a:<\/span><\/p><p><span style=\"font-weight: 400;\">19.9.1 \u0648\u0635\u0648\u0644\u0643 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 (MIS Pay) \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0623\u0648 \u0639\u062f\u0645 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647.<\/span><\/p><p><span style=\"font-weight: 400;\">19.9.2 \u0625\u0647\u0645\u0627\u0644\u0643 \u0623\u0648 \u0633\u0648\u0621 \u062a\u0635\u0631\u0641\u0643.<\/span><\/p><p><span style=\"font-weight: 400;\">19.9.3 \u0627\u0646\u062a\u0647\u0627\u0643\u0643 \u0644\u0623\u064a \u0642\u0627\u0646\u0648\u0646 \u0645\u0639\u0645\u0648\u0644 \u0628\u0647.<\/span><\/p><p><span style=\"font-weight: 400;\">19.9.4 \u0641\u0634\u0644\u0643 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0648\u0635\u064a\u0627\u0646\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0635\u062d\u064a\u062d\u0629 \u0648\u062f\u0642\u064a\u0642\u0629 \u0648\u062d\u062f\u064a\u062b\u0629 \u0648\u0643\u0627\u0645\u0644\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628\u0643 \u0641\u064a (MIS Pay).<\/span><\/p><p><span style=\"font-weight: 400;\">19.10 \u0625\u0630\u0627 \u0643\u0646\u062a \u0644\u0627 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u064a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0641\u064a \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0641\u0644\u0627 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0646\u0635\u0629 (MIS Pay) \u0648\u0644\u0627 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062e\u062f\u0645\u0627\u062a\u0647\u0627.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4f10ca elementor-widget elementor-widget-heading\" data-id=\"d4f10ca\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">20. \u0627\u0644\u062a\u0639\u0648\u064a\u0636:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2aaf5ef elementor-widget elementor-widget-text-editor\" data-id=\"2aaf5ef\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">20.1 \u062a\u0642\u0631 \u0648\u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u062a\u0639\u0648\u064a\u0636 \u0648\u0625\u0639\u0641\u0627\u0621 (MIS Pay) \u0648\u0643\u064a\u0627\u0646\u0627\u062a\u0647\u0627 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0631\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u0621 \u0648\u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0646 \u0648\u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0648\u062a\u0639\u0648\u064a\u0636\u0647\u0645 \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0627\u062a \u0648\u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0648\u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0648\u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u0627\u0644\u0646\u0641\u0642\u0627\u062a (\u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0623\u064a \u0646\u0641\u0642\u0627\u062a \u0648\u0631\u0633\u0648\u0645 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u062a\u0643\u0627\u0644\u064a\u0641 \u062a\u062d\u0642\u064a\u0642 \u0648\u0631\u0633\u0648\u0645 \u0627\u0644\u0645\u062d\u0627\u0645\u064a\u0646). \u0625\u0630\u0627 \u062a\u0639\u0631\u0636\u062a (MIS Pay) \u0644\u0623\u064a \u0623\u0636\u0631\u0627\u0631 \u0646\u0627\u062a\u062c\u0629 \u0639\u0646\u0643 \u0623\u0648 \u0625\u0630\u0627 \u0646\u0634\u0623\u062a \u0639\u0646 \u0623\u0648 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0646\u062a\u0647\u0627\u0643\u0643 \u0644\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0623\u0648 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0623\u0648 \u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629\u060c \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0637\u0631\u0641 \u062b\u0627\u0644\u062b (\u0645\u0646 \u0637\u0631\u0641\u0643) \u0644\u0644\u062e\u062f\u0645\u0627\u062a. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc9817 elementor-widget elementor-widget-heading\" data-id=\"0fc9817\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">21. \u0627\u0644\u062a\u0639\u0647\u062f\u0627\u062a\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6655971 elementor-widget elementor-widget-text-editor\" data-id=\"6655971\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">21.1 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f \u0647\u0648 \u0625\u0634\u0639\u0627\u0631 \u0644\u0643 \u064a\u0641\u064a\u062f \u0628\u0623\u0646\u0647\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\u060c \u0642\u0645\u0646\u0627 \u0628\u062a\u0639\u0647\u062f \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642\u0646\u0627 \u0648\u0645\u0632\u0627\u064a\u0627\u0647\u0627\u060c \u0648\u062d\u0642 \u062e\u0635\u0645 \u0623\u064a \u0645\u0628\u0644\u063a \u0645\u0633\u062a\u062d\u0642 \u0639\u0644\u064a\u0643. \u0648\u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u062a\u0643\u0648\u0646 (MIS Pay) \u0645\u0624\u0647\u0644\u0629 \u0644\u0645\u0645\u0627\u0631\u0633\u0629 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642\u0647\u0627 \u0648\u0633\u0644\u0637\u0627\u062a\u0647\u0627 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a\u0629 \u0648\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0639\u0644\u0627\u062c \u0648\u062f\u0641\u0639 \u0623\u064a \u0645\u0628\u0644\u063a \u0645\u0633\u062a\u062d\u0642 \u0639\u0644\u064a\u0643\u060c \u0645\u0627 \u0644\u0645 \u062a\u062a\u0644\u0642\u0649 \u0625\u0634\u0639\u0627\u0631\u064b\u0627 \u0643\u062a\u0627\u0628\u064a\u064b\u0627 \u0628\u062e\u0644\u0627\u0641 \u0630\u0644\u0643. \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629\u060c \u064a\u062d\u0642 \u0644\u0643 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u0628\u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0642\u0648\u0642 \u0648\u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0648\u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a\u0629 \u0648\u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u0639\u0644\u0627\u062c\u060c \u0628\u0645\u0648\u062c\u0628 \u0625\u0634\u0639\u0627\u0631\u060c \u062d\u064a\u062b \u0623\u0646\u0643 \u0628\u0645\u062c\u0631\u062f \u0642\u0628\u0648\u0644\u0643 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\u060c \u062a\u0642\u0631 \u0648\u062a\u0642\u0628\u0644 \u0634\u0631\u0648\u0637 \u0647\u0630\u0627 \u0627\u0644\u0628\u0646\u062f. <\/span><\/p><p><span style=\"font-weight: 400;\">21.2 \u062a\u0642\u0631 \u0623\u064a\u0636\u064b\u0627 \u0628\u0623\u0646\u0647 \u0644\u064a\u0633 \u0644\u062f\u064a\u0643 \u0623\u064a \u0635\u0644\u0629 \u0628\u0623\u064a \u0646\u0634\u0627\u0637 \u0625\u062c\u0631\u0627\u0645\u064a \u0623\u0648 \u0627\u062d\u062a\u064a\u0627\u0644 \u0623\u0648 \u0639\u0645\u0644\u064a\u0627\u062a \u0633\u064a\u0648\u0644\u0629 \u063a\u0633\u0644 \u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0642\u0631 \u0628\u0623\u0646 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629 \u0628\u0645\u0648\u062c\u0628 \u0642\u0631\u0627\u0631 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0624\u062c\u0644 \u0633\u062a\u0643\u0648\u0646 \u0645\u0646 \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0645\u0634\u0631\u0648\u0639\u0629 \u0648\u0644\u0646 \u064a\u062a\u0645 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0623\u064a \u0646\u0634\u0627\u0637 \u063a\u064a\u0631 \u0642\u0627\u0646\u0648\u0646\u064a.<\/span><\/p><p><span style=\"font-weight: 400;\">21.3 \u062a\u0642\u0631 \u0628\u0623\u0646\u0643 \u0648\u0644\u0627 \u0623\u064a \u0645\u0646 \u0623\u0642\u0627\u0631\u0628\u0643 \u0623\u0648 \u0636\u0627\u0645\u0646\u064a\u0643 \u0623\u0648 \u0645\u0648\u0638\u0641\u064a\u0643 \u0644\u064a\u0633\u0648\u0627 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062d\u0643\u0648\u0645\u064a\/ \u0627\u0644\u062e\u0627\u0635\/ \u0627\u0644\u0639\u0633\u0643\u0631\u064a (\u0630\u0648 \u0627\u0644\u0635\u0644\u0629). \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u062a\u062a\u0639\u0647\u062f \u0628\u0625\u0628\u0644\u0627\u063a (MIS Pay) \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0628\u0623\u064a \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0642\u062f \u062a\u062d\u062f\u062b \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u062f\u062f\u060c \u0628\u062d\u064a\u062b \u064a\u062d\u0642 \u0644\u0647\u0627 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-628c026 elementor-widget elementor-widget-heading\" data-id=\"628c026\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">22. \u0627\u0644\u0625\u0634\u0639\u0627\u0631\u0627\u062a\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7f4420 elementor-widget elementor-widget-text-editor\" data-id=\"c7f4420\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">22.1 \u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0647\u0646\u0627\u060c \u064a\u062c\u0628 \u0625\u0631\u0633\u0627\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0645\u0631\u0627\u0633\u0644\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0643\u062a\u0627\u0628\u0629 \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0640 (MIS Pay) \u0627\u0644\u0645\u0648\u0636\u062d \u0639\u0644\u0649 \u0645\u0646\u0635\u0629 (MIS Pay) \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0648 \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0647\u0627 \u0639\u0628\u0631 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0645\u0648\u062d\u062f \u062e\u0644\u0627\u0644 \u0633\u0627\u0639\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0623\u0648 \u0628\u0637\u0631\u0642 \u0623\u062e\u0631\u0649. \u0625\u0630\u0627 \u0631\u063a\u0628\u062a (MIS Pay) \u0641\u064a \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643\u060c \u0641\u0633\u062a\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0639\u0628\u0631 \u0628\u0631\u064a\u062f\u0643 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0646\u0635\u064a\u0629 \u0639\u0644\u0649 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641\u0643 \u0627\u0644\u0630\u064a \u0642\u062f\u0645\u062a\u0647 \u0644\u0640 (MIS Pay) \u0623\u0648 \u0628\u0623\u064a \u0648\u0633\u064a\u0644\u0629 \u0627\u062a\u0635\u0627\u0644 \u0623\u062e\u0631\u0649. <\/span><\/p><p><span style=\"font-weight: 400;\">22.2 \u0644\u0636\u0645\u0627\u0646 \u0642\u062f\u0631\u062a\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064b\u0627\u060c \u064a\u062c\u0628 \u0639\u0644\u064a\u0643 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0625\u062e\u0637\u0627\u0631\u0646\u0627 \u0641\u0648\u0631\u064b\u0627 \u0628\u0623\u064a \u062a\u063a\u064a\u064a\u0631 \u0641\u064a \u0639\u0646\u0648\u0627\u0646 \u0628\u0631\u064a\u062f\u0643 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u0642\u062f\u0645\u0647\u0627 \u0644\u0646\u0627 \u0648\u0633\u0646\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0643 \u0639\u0628\u0631\u0647\u0627 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0631\u0642\u0645 \u0647\u0627\u062a\u0641\u0643\u060c \u0639\u0646 \u0637\u0631\u064a\u0642 \u062a\u062d\u062f\u064a\u062b \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0648\u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u062e\u0631\u0649 \u062a\u062a\u0639\u0644\u0642 \u0628\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0634\u062e\u0635\u064a \u0641\u064a (MIS Pay) \u0641\u064a \u0623\u0642\u0631\u0628 \u0648\u0642\u062a \u0645\u0645\u0643\u0646 \u0648\u0639\u0646\u062f \u0627\u0644\u0636\u0631\u0648\u0631\u0629.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0612882 elementor-widget elementor-widget-heading\" data-id=\"0612882\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">23. \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0628\u0643\u0631<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-740356b elementor-widget elementor-widget-text-editor\" data-id=\"740356b\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u064a\u062d\u0642 \u0644\u0644\u0639\u0645\u064a\u0644 \u062f\u0641\u0639 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0627\u062a \u0645\u0628\u0643\u0631\u064b\u0627 (\u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-527a7f2 elementor-widget elementor-widget-heading\" data-id=\"527a7f2\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">24. \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0641\u064a \u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0633\u0627\u0631\u0627\u062a:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3a6616 elementor-widget elementor-widget-text-editor\" data-id=\"b3a6616\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">24.1 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 (MIS Pay) \u0625\u0644\u0649 \u0623\u0642\u0635\u0649 \u062d\u062f \u064a\u0633\u0645\u062d \u0628\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0643\u062a\u0627\u0628\u0629 \u0639\u0646 \u0623\u064a \u0623\u0633\u0626\u0644\u0629 \u0623\u0648 \u062a\u0642\u062f\u064a\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0644\u0645\u0633\u0627\u0639\u062f\u0629 (MIS Pay) \u0641\u064a \u0625\u062c\u0631\u0627\u0621 \u0623\u064a \u062a\u062d\u062f\u064a\u062b\u0627\u062a \u062f\u0627\u062e\u0644\u064a\u0629 \u0623\u0648 \u0627\u0633\u062a\u0641\u0633\u0627\u0631.<\/span><\/p><p><span style=\"font-weight: 400;\">24.2 \u062a\u0642\u0631 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646 \u064a\u062a\u0645 \u0627\u0644\u0643\u0634\u0641 \u0639\u0646 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0648\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0623\u0648 \u0623\u064a \u062d\u0633\u0627\u0628 \u0622\u062e\u0631 \u0645\u0646 \u0642\u0628\u0644 (MIS Pay)<\/span><\/p><p><span style=\"font-weight: 400;\">\u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u060c \u062a\u0642\u0631 \u0628\u0623\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0627\u0644\u0643\u0634\u0641 \u0639\u0646 (MIS Pay) \u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0643 \u0648\u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0623\u0648 \u0623\u064a \u062d\u0633\u0627\u0628 \u0622\u062e\u0631 \u0644\u0630\u0644\u0643 \u0627\u0644\u0648\u0643\u064a\u0644 \u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a (SIMAH) \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0645\u0628\u0631\u0645\u0629 \u0648\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0644\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\/\u0623\u0648 \u0623\u064a \u0637\u0631\u0641 \u0622\u062e\u0631 \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a (SAMA).<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa36b77 elementor-widget elementor-widget-heading\" data-id=\"fa36b77\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">25. \u0627\u0633\u062a\u0642\u0644\u0627\u0644\u064a\u0629 \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u0641\u0635\u0644 \u0644\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1da8dad elementor-widget elementor-widget-text-editor\" data-id=\"1da8dad\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">25.1 \u0625\u0630\u0627 \u062a\u0642\u0631\u0631 \u0628\u0637\u0644\u0627\u0646 \u0623\u064a \u0634\u0631\u0637 \u0623\u0648 \u0628\u0646\u062f \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u060c \u0641\u0633\u064a\u0639\u062a\u0628\u0631 \u0630\u0644\u0643 \u0627\u0644\u0634\u0631\u0637 \u0623\u0648 \u0627\u0644\u0628\u0646\u062f \u0641\u0642\u0637 \u0628\u0627\u0637\u0644\u0627\u064b \u062f\u0648\u0646 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0628\u0623\u064a \u0634\u0643\u0644 \u0645\u0646 \u0627\u0644\u0623\u0634\u0643\u0627\u0644 \u0639\u0644\u0649 \u0628\u0627\u0642\u064a \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u062a\u064a \u062a\u0638\u0644 \u0633\u0627\u0631\u064a\u0629 \u0648\u0641\u0639\u0627\u0644\u0629.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd4a910 elementor-widget elementor-widget-heading\" data-id=\"fd4a910\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">26. \u0635\u0644\u0627\u062d\u064a\u0629 \u0648\u0625\u0646\u0647\u0627\u0621 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0232cdf elementor-widget elementor-widget-text-editor\" data-id=\"0232cdf\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">26.1 \u062a\u0635\u0628\u062d \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0633\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0641\u0639\u0648\u0644 \u0641\u064a \u0627\u0644\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0630\u064a \u062a\u0646\u0642\u0631 \u0641\u064a\u0647 \u0644\u0644\u0625\u0634\u0627\u0631\u0629 \u0625\u0644\u0649 \u0642\u0628\u0648\u0644\u0643 \u0644\u0634\u0631\u0648\u0637\u0647\u0627 \u0648\u062a\u0638\u0644 \u0633\u0627\u0631\u064a\u0629 \u0648\u0641\u0639\u0627\u0644\u0629 \u0644\u0644\u0648\u0631\u062b\u0629.<\/span><\/p><p><span style=\"font-weight: 400;\">26.2 \u0625\u0630\u0627 \u0642\u0631\u0631\u062a (MIS Pay) \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629\u060c \u0641\u0633\u062a\u0642\u0648\u0645 \u0628\u0625\u062e\u0637\u0627\u0631\u0643 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u0631\u0633\u0627\u0644 \u0625\u0634\u0639\u0627\u0631 \u0625\u0644\u0649 \u0639\u0646\u0648\u0627\u0646 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0627\u0644\u0630\u064a \u0642\u062f\u0645\u062a\u0647 \u0644\u0640 (MIS Pay). \u0643\u0645\u0627 \u0623\u0646\u0643 \u062a\u0648\u0627\u0641\u0642 \u0648\u062a\u0642\u0631 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0628\u0623\u0646 (MIS Pay) \u064a\u062d\u0642 \u0644\u0647\u0627 \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0639 \u0623\u0648 \u0628\u062f\u0648\u0646 \u0633\u0628\u0628 \u062f\u0648\u0646 \u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0625\u0628\u0644\u0627\u063a\u0643 \u0628\u0633\u0628\u0628 \u0625\u0646\u0647\u0627\u0621 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629. <\/span><\/p><p><span style=\"font-weight: 400;\">26.3 \u064a\u0645\u0643\u0646\u0643 \u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0628\u0639\u062f \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646\u0643 \u0642\u062f \u062f\u0641\u0639\u062a \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0627\u062a \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628\u0643 \u0641\u064a (MIS Pay) \u0628\u0627\u062a\u0628\u0627\u0639 \u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0639\u0644\u0649 \u0645\u0646\u0635\u0629 (MIS Pay) \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u0634\u0643\u060c \u062a\u0638\u0644 \u0645\u0633\u0624\u0648\u0644\u0627\u064b \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u062d\u0633\u0627\u0628\u0643 \u0641\u064a (MIS Pay) \u062d\u062a\u0649 \u0628\u0639\u062f \u0625\u063a\u0644\u0627\u0642\u0647 \u0648\u0625\u0646\u0647\u0627\u0621 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecb79f2 elementor-widget elementor-widget-heading\" data-id=\"ecb79f2\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">27. \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b274e5 elementor-widget elementor-widget-text-editor\" data-id=\"2b274e5\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">27.1 \u062a\u0645\u062b\u0644 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0648\u062c\u0645\u064a\u0639 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a\u0647\u0627 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u0627 \u062a\u0645 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0639\u0644\u064a\u0647 \u0648\u0642\u0628\u0648\u0644\u0647 \u0648\u0641\u0647\u0645\u0647 \u0628\u064a\u0646\u0643 \u0648\u0628\u064a\u0646 (MIS Pay). \u0643\u0645\u0627 \u062a\u0634\u0645\u0644 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0645\u0627 \u0642\u062f \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062b\u0647 \u0645\u0646 \u0648\u0642\u062a \u0644\u0622\u062e\u0631 \u0648\u0645\u0627 \u064a\u062a\u0645 \u0646\u0634\u0631\u0647 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u062f\u062f \u0639\u0644\u0649 \u0645\u0646\u0635\u062a\u0646\u0627 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0648\u062a\u0644\u063a\u064a \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0646 \u0623\u064a \u0646\u0648\u0639. <\/span><\/p><p><span style=\"font-weight: 400;\">27.2 \u062a\u0634\u0643\u0644 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0625\u0634\u0639\u0627\u0631\u064b\u0627 \u0644\u0643 \u0628\u0623\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0642\u0648\u0642 \u0648\u0627\u0644\u0645\u0635\u0627\u0644\u062d \u0648\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0640 (MIS Pay) \u0642\u062f \u062a\u0645 \u0630\u0643\u0631\u0647\u0627\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062d\u0642 \u0641\u064a \u062e\u0635\u0645 \u0623\u064a \u0645\u0628\u0644\u063a \u0645\u0633\u062a\u062d\u0642 \u0639\u0644\u064a\u0643 \u0648\u0641\u0642\u064b\u0627 \u0644\u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645. \u0633\u064a\u0638\u0644 (MIS Pay) \u0645\u0624\u0647\u0644\u0627\u064b \u0644\u0645\u0645\u0627\u0631\u0633\u0629 \u062c\u0645\u064a\u0639 \u062d\u0642\u0648\u0642\u0647 \u0648\u062a\u0642\u062f\u064a\u0631\u0627\u062a\u0647 \u0648\u0648\u0633\u0627\u0626\u0644\u0647 \u0627\u0644\u0639\u0644\u0627\u062c\u064a\u0629 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645. <\/span><\/p><p><span style=\"font-weight: 400;\">27.3 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627\u060c \u0623\u0648\u0627\u0641\u0642 \u0623\u0646\u0627 \u0627\u0644\u0645\u0648\u0642\u0639 \u0623\u062f\u0646\u0627\u0647 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0645\u064a\u0632 \u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (MIS Pay) \u0628\u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062a\u0637\u0644\u0628\u0647\u0627 \u0645\u0646\u064a \u0644\u0625\u0646\u0634\u0627\u0621 \u062d\u0633\u0627\u0628\u064a \u0645\u0639 \u0627\u0644\u0634\u0631\u0643\u0629 \u0648\/\u0623\u0648 \u0644\u0645\u0631\u0627\u062c\u0639\u062a\u0647 \u0648\/\u0623\u0648 \u0625\u062f\u0627\u0631\u062a\u0647\u060c \u0648\u0623\u0641\u0648\u0636 \u0627\u0644\u0634\u0631\u0643\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0623\u0648 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u064a \u0623\u0648 \u0628\u062d\u0633\u0627\u0628\u064a \u0627\u0644\u0645\u0630\u0643\u0648\u0631 \u0623\u0648 \u0623\u064a \u062d\u0633\u0627\u0628 \u0622\u062e\u0631 \u062a\u0645\u062a\u0644\u0643\u0647 \u0627\u0644\u0634\u0631\u0643\u0629 \u0645\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a (SIMAH) \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0627\u0644\u0639\u0636\u0648\u064a\u0629 \u0627\u0644\u0645\u0628\u0631\u0645\u0629 \u0648\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\/\u0623\u0648 \u0623\u064a \u0643\u064a\u0627\u0646 \u0622\u062e\u0631 \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a (SAMA).<\/span><\/p><p><span style=\"font-weight: 400;\">27.4 \u062a\u0648\u0627\u0641\u0642\u060c \u0628\u0645\u0648\u062c\u0628 \u0645\u0627 \u0633\u0628\u0642\u060c \u0639\u0644\u0649 \u0623\u0646\u0643 \u062a\u0641\u0647\u0645 \u0648\u062a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u0639\u0648\u0627\u0642\u0628 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0639\u0646\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0627\u0646\u062a\u0647\u0627\u0643 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u062a\u0641\u0642 \u0639\u0644\u064a\u0647\u0627. \u062a\u0648\u0627\u0641\u0642 \u0639\u0644\u0649 \u0623\u0646 (MIS Pay) \u0644\u0647\u0627 \u0627\u0644\u062d\u0642 \u0641\u064a \u0625\u0628\u0644\u0627\u063a \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0644\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u201dSIMAH\u201c \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0623\u0648 \u0639\u062f\u0645 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0633\u062f\u0627\u062f. <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a9db45 elementor-widget elementor-widget-heading\" data-id=\"3a9db45\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">28. \u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u0639\u0645\u0648\u0644 \u0628\u0647\u0627 \u0648\u0627\u0644\u0627\u062e\u062a\u0635\u0627\u0635 \u0627\u0644\u0642\u0636\u0627\u0626\u064a:\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-214247f elementor-widget elementor-widget-text-editor\" data-id=\"214247f\" data-element_type=\"widget\" data-settings=\"{&quot;htmega_fe&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">28.1 \u062a\u062a\u0639\u0647\u062f \u0627\u0644\u062d\u0642\u0648\u0642 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u0645\u0634\u0627\u0631 \u0625\u0644\u064a\u0647\u0627 \u0644\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0628\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0648\u064a\u062a\u0645 \u062a\u0641\u0633\u064a\u0631\u0647\u0627 \u0648\u062a\u0648\u0636\u064a\u062d\u0647\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0623\u062d\u0643\u0627\u0645 \u0648\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0648\u062a\u0648\u0627\u0641\u0642 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0639\u0644\u0649 \u0623\u0646 \u0623\u064a \u0646\u0632\u0627\u0639 \u0623\u0648 \u0627\u0644\u062a\u0632\u0627\u0645 \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u0645\u0646 \u0623\u064a \u0646\u0648\u0639 \u064a\u0646\u0634\u0623 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0633\u064a\u0643\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 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\u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u0623\u062a\u0639\u0627\u0628 \u0627\u0644\u0645\u062d\u0627\u0645\u064a \u0645\u0646 \u0627\u0644\u0637\u0631\u0641 \u063a\u064a\u0631 \u0627\u0644\u0633\u0627\u0626\u062f.<\/span><\/p><p><span style=\"font-weight: 400;\">28.2 \u062a\u0648\u0627\u0641\u0642 \u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0627 \u0623\u0646\u0643 \u062a\u062a\u062d\u0645\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u0639\u0648\u0627\u0642\u0628 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0648\u064a\u062d\u0642 \u0644\u0640 (MIS Pay)\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u062f\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u0637\u0644\u0642\u060c \u0631\u0641\u0639 \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u062d\u0627\u0643\u0645 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0641\u064a 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