{"id":5714,"date":"2026-03-05T01:23:16","date_gmt":"2026-03-05T01:23:16","guid":{"rendered":"https:\/\/theprofessionals.sa\/?p=5714"},"modified":"2026-03-05T01:28:00","modified_gmt":"2026-03-05T01:28:00","slug":"family-businesses","status":"publish","type":"post","link":"https:\/\/theprofessionals.sa\/ar\/2026\/03\/05\/family-businesses\/","title":{"rendered":"\u0628\u064a\u0646 \u0627\u0644\u0648\u0631\u0627\u062b\u0629 \u0648 \u0627\u0644\u062d\u0648\u0643\u0645\u0629: \u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0646\u0645\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629"},"content":{"rendered":"\t\t
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\u0628\u064a\u0646 \u0627\u0644\u0648\u0631\u0627\u062b\u0629 \u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629: \u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0646\u0645\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u062a\u0634\u0643\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0639\u0645\u0648\u062f\u064b\u0627 \u0641\u0642\u0631\u064a\u064b\u0627 \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u060c \u0648\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0644\u064a\u0633\u062a \u0627\u0633\u062a\u062b\u0646\u0627\u0621\u064b. \u062a\u0627\u0631\u064a\u062e\u064a\u064b\u0627 \u0646\u0634\u0623\u062a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0643\u0627\u0645\u062a\u062f\u0627\u062f \u0644\u0623\u0646\u0634\u0637\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u0639\u0627\u0626\u0644\u064a\u0629 \u0635\u063a\u064a\u0631\u0629 \u062b\u0645 \u062a\u0637\u0648\u0631\u062a \u0625\u0644\u0649 \u0645\u0624\u0633\u0633\u0627\u062a \u0643\u0628\u064a\u0631\u0629 \u062a\u0639\u0645\u0644 \u0641\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u0645\u062b\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629\u060c \u0627\u0644\u0625\u0646\u0634\u0627\u0621\u0627\u062a\u060c \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u060c \u0648\u0627\u0644\u0635\u0646\u0627\u0639\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u064a\u0629.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0639\u0646\u062f \u0625\u0644\u0642\u0627\u0621 \u0646\u0638\u0631\u0629 \u0633\u0631\u064a\u0639\u0629 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0633\u0646\u062c\u062f \u0623\u0646\u0647\u0627 \u062a\u0645\u062b\u0644 \u062d\u0648\u0627\u0644\u064a <\/span>63<\/span>% \u0645\u0646 <\/span>\u0627\u0644\u0645\u0646\u0634\u0622\u062a \u0627\u0644\u0639\u0627\u0645\u0644\u0629<\/span> \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629\u060c<\/span> \u0648\u062a\u0633\u0627\u0647\u0645 \u0628\u0646\u0633\u0628\u0629 66% \u0645\u0646 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635\u060c \u064832% \u0645\u0646 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0645\u0644\u0643\u0629\u060c \u0648\u062a\u0648\u0638\u0641 \u062d\u0648\u0627\u0644\u064a 48% \u0645\u0646 \u0645\u062c\u0645\u0648\u0639 \u0627\u0644\u0642\u0648\u0649 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/span>\u061b \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u0631\u0643\u064a\u0632\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0648\u0645\u0635\u062f\u0631 \u062d\u064a\u0648\u064a \u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u0631\u0635 \u0639\u0645\u0644. <\/span>\u062a\u062a\u0645\u064a\u0632 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0628\u0645\u0631\u0648\u0646\u0629 \u0643\u0628\u064a\u0631\u0629 \u0648\u0627\u0631\u062a\u0628\u0627\u0637 \u0639\u0645\u064a\u0642 \u0628\u0627\u0644\u0645\u062c\u062a\u0645\u0639 \u0627\u0644\u0645\u062d\u0644\u064a\u060c \u0644\u0643\u0646\u0647\u0627 \u062a\u0648\u0627\u062c\u0647 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0642\u0641 \u0639\u0627\u0626\u0642\u064b\u0627 \u0623\u0645\u0627\u0645 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u062a\u0647\u0627 \u0648\u0646\u0645\u0648\u0647\u0627 \u0639\u0628\u0631 \u0627\u0644\u0623\u062c\u064a\u0627\u0644<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0623\u0648\u0644\u064b\u0627: \u0627\u0644\u062a\u0646\u0627\u0642\u0644 \u0648\u0627\u0644\u0648\u0631\u0627\u062b\u0629<\/span> \u0648<\/span>\u0639\u0642\u0648\u062f \u0627\u0644\u062a\u0639\u0627\u0642\u0628<\/span><\/span> <\/span><\/p><\/div>

\u064a\u064f\u0639\u0631\u0641 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u062d\u0627\u0644\u064a \u0641\u064a \u0628\u064a\u0626\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0628\u0640 “\u0639\u0642\u0648\u062f \u0627\u0644\u062a\u0639\u0627\u0642\u0628”. \u0645\u0639\u0638\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u062a\u0623\u0633\u0633\u062a \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u0637\u0641\u0631\u0629 \u0627\u0644\u0646\u0641\u0637\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u062a\u064a\u0646\u064a\u0627\u062a \u0648\u0627\u0644\u0633\u0628\u0639\u064a\u0646\u064a\u0627\u062a\u060c \u0648\u0647\u064a \u0627\u0644\u0622\u0646 \u062a\u0645\u0631 \u0628\u0645\u0631\u062d\u0644\u0629 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0633\u0644\u0637\u0629 \u0645\u0646 \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u0623\u0648\u0644 (\u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0646) \u0625\u0644\u0649 \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062b\u0627\u0646\u064a \u0623\u0648 \u0627\u0644\u062b\u0627\u0644\u062b<\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u062a\u0634\u064a\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 18% \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u062a\u0645\u062a\u0644\u0643 \u062e\u0637\u0629 \u062a\u0639\u0627\u0642\u0628 \u0634\u0627\u0645\u0644\u0629 \u0648\u0645\u0648\u062b\u0642\u0629. \u0647\u0630\u0647 \u0627\u0644\u0641\u062c\u0648\u0629 \u0627\u0644\u0647\u064a\u0643\u0644\u064a\u0629 \u062a\u0645\u062b\u0644 \u0623\u0643\u0628\u0631 \u062a\u0647\u062f\u064a\u062f \u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u061b <\/span>\u0641<\/span>\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a <\/span>\u0644\u064a\u0633 \u0644\u062f\u064a\u0647\u0627<\/span> \u062e\u0637\u0637 \u062e\u0644\u0627\u0641\u0629 \u0648\u0627\u0636\u062d\u0629 \u0623\u0648 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u062a\u062d\u062f\u062f \u062f\u0648\u0631 \u0643\u0644 \u0641\u0631\u062f \u0641\u064a \u0627\u0644\u0639\u0627\u0626\u0644\u0629<\/span><\/span>\u060c<\/span> <\/span><\/span>\u0645<\/span>\u0645\u0627 \u064a\u0641\u062a\u062d \u0627\u0644\u0628\u0627\u0628 \u0644\u0644\u0635\u0631\u0627\u0639\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u062d\u0635\u0635 \u0648\u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a<\/span><\/span> <\/span>\u0628\u0639\u062f \u0631\u062d\u064a\u0644 \u0627\u0644\u0645\u0624\u0633<\/span>\u0633<\/span><\/span>.<\/span> <\/span><\/span>\u064a\u0639\u0648\u062f \u0630\u0644\u0643 \u063a\u0627\u0644\u0628<\/span>\u064b<\/span>\u0627 \u0625\u0644\u0649 “\u0627\u0644\u0627\u0631\u062a\u0628\u0627\u0637 \u0627\u0644\u0639\u0627\u0637\u0641\u064a” \u0644\u0644\u0645\u0624\u0633\u0633 \u0628\u0627\u0644\u0642\u0631\u0627\u0631\u060c \u0648\u0635\u0639\u0648\u0628\u0629 \u0627\u0644\u062a\u062e\u0644\u064a \u0639\u0646 \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0644\u0635\u0627\u0644\u062d \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062c\u062f\u064a\u062f \u0627\u0644\u0630\u064a \u0642\u062f \u064a\u062d\u0645\u0644 \u0631\u0624\u064a\u0629 \u0645\u062e\u062a\u0644\u0641\u0629 \u0648\u0623\u0643\u062b\u0631 <\/span>\u062a\u0637\u0648\u0631\u064b\u0627<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u062b\u0627\u0646\u064a\u064b\u0627: <\/span>\u0645\u0639\u0636\u0644\u0629 \u0627\u0644\u062d\u0648\u0643\u0645\u0629<\/span><\/span> <\/span>\u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629<\/span> \u0648<\/span>\u0627\u0644\u0645\u064a\u062b\u0627\u0642 \u0627\u0644\u0639\u0627\u0626\u0644\u064a<\/span><\/span> <\/span><\/p><\/div>

\u0645\u0646 \u0623\u0628\u0631\u0632 <\/span>\u0627\u0644\u062a\u062d\u062f\u064a<\/span>\u0627\u062a<\/span> \u0627\u0644<\/span>\u062a\u064a<\/span><\/span> <\/span>\u062a<\/span>\u0648\u0627\u062c\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0647\u0648<\/span> \u0635\u0639\u0648\u0628\u0629<\/span> \u0627\u0644\u0641\u0635\u0644 \u0628\u064a\u0646 \u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 (\u0645\u062c\u0644\u0633 \u0627\u0644\u0639\u0627\u0626\u0644\u0629) \u0648\u0628\u064a\u0646 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 (\u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629). \u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u0623\u062d\u064a\u0627\u0646\u060c \u062a\u062a\u062f\u0627\u062e\u0644 \u0627\u0644\u0639\u0648\u0627\u0637\u0641 \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0645\u0639 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0634\u0644\u0644 \u0625\u062f\u0627\u0631\u064a \u0623\u0648 \u0646\u0632\u0627\u0639\u0627\u062a \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u0645\u062f \u0639\u0646\u062f \u062e\u0631\u0648\u062c \u0623\u062d\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u0621 \u0623\u0648 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062d\u0635\u0635<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u062a\u0637\u0628\u064a\u0642 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0645\u062b\u0644<\/span>:<\/span> \u0641\u0635\u0644 \u0627\u0644\u0623\u062f\u0648\u0627\u0631\u060c \u0648\u062c\u0648\u062f \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u0645\u0633\u062a\u0642\u0644\u060c \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0636\u062d\u0629<\/span>\u060c<\/span> <\/span><\/span>\u0644\u0627<\/span> \u064a\u0632\u0627\u0644 \u062a\u062d\u062f\u064a\u064b\u0627 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0623\u0633\u0627\u0644\u064a\u0628 \u0625\u062f\u0627\u0631\u0629 \u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u0636\u0639\u0641 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u064a\u062d\u062f\u0651 \u0645\u0646 \u0642\u062f\u0631\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0644\u0649 \u062c\u0630\u0628 \u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u062e\u0627\u0631\u062c\u064a\u064a\u0646 \u0623\u0648 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629<\/span><\/span>.<\/span> <\/span><\/span>\u0644\u062d\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0636\u0644\u0629\u060c \u0628\u062f\u0623\u062a \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0639\u0627\u0626\u0644\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0641\u064a \u062a\u0628\u0646\u064a “\u0627\u0644\u0645\u064a\u062b\u0627\u0642 \u0627\u0644\u0639\u0627\u0626\u0644\u064a<\/span>“<\/span> <\/span><\/span>\u0648\u0647\u0648 \u0648\u062b\u064a\u0642\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0623\u062e\u0644\u0627\u0642\u064a\u0629 \u062a\u0646\u0638\u0645 \u0623\u062f\u0648\u0627\u0631 \u0623\u0641\u0631\u0627\u062f \u0627\u0644\u0639\u0627\u0626\u0644\u0629\u060c \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0648\u0638\u064a\u0641\u0647\u0645\u060c \u0648\u0622\u0644\u064a\u0629 \u0641\u0636 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a. <\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u062b\u0627\u0644\u062b\u064b\u0627: \u0645\u0642\u0627\u0648\u0645\u0629 \u0627\u0644\u062a\u063a\u064a\u064a\u0631<\/span> \u0648\u0627\u0644\u062a\u0637\u0648\u0631<\/span><\/span> <\/span><\/p><\/div>

\u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062d\u0627\u0644\u064a \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u062a\u0623\u0633\u0633 \u0641\u064a \u0628\u064a\u0626\u0627\u062a \u062a\u062c\u0627\u0631\u064a\u0629 \u062a\u0642\u0644\u064a\u062f\u064a\u0629\u061b \u0648\u0645\u0639 \u062a\u0637\u0648\u0631 \u0627\u0644\u0633\u0648\u0642 \u0648\u0633\u0631\u0639\u0629 \u0627\u0644\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u060c \u062a\u0648\u0627\u062c\u0647 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0627\u0644\u062a\u062d\u062f\u064a\u062b \u0648\u0627\u0639\u062a\u0645\u0627\u062f \u062a\u0642\u0646\u064a\u0627\u062a \u0631\u0642\u0645\u064a\u0629 \u062d\u062f\u064a\u062b\u0629 \u0623\u0648 \u0646\u0645\u0627\u0630\u062c \u0639\u0645\u0644 \u0645\u0628\u062a\u0643\u0631\u0629. \u0627\u0644\u0645\u0642\u0627\u0648\u0645\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0644\u0644\u062a\u063a\u064a\u064a\u0631\u060c \u0633\u0648\u0627\u0621 \u0644\u0623\u0633\u0628\u0627\u0628 \u062b\u0642\u0627\u0641\u064a\u0629 \u0623\u0648 \u062e\u0648\u0641 \u0645\u0646 \u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u0633\u064a\u0637\u0631\u0629\u060c \u062a\u0628\u0637\u0626 \u0645\u0646 \u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u062b \u0648\u062a\u0639\u0631\u0636 \u0627\u0644\u0634\u0631\u0643\u0629 \u0644\u0641\u0642\u062f\u0627\u0646 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0641\u064a \u0633\u0648\u0642 \u0633\u0631\u064a\u0639 \u0627\u0644\u062a\u0637\u0648\u0631<\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0627\u0644\u062c\u064a\u0644 <\/span>\u0627\u0644\u062d\u0627\u0644\u064a<\/span> \u0645\u0646 \u0627\u0644\u0642\u0627\u062f\u0629 \u064a\u0645\u064a\u0644 \u0625\u0644\u0649 \u062a\u0628\u0646\u064a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/span><\/span> <\/span>AI<\/span><\/span> \u0648<\/span>\u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/span><\/span> <\/span>Fintech<\/span><\/span> \u0648<\/span>\u0627\u0644\u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629<\/span>\u060c \u0648\u0647\u0648 \u0645\u0627 \u0642\u062f \u064a\u0635\u0637\u062f\u0645<\/span><\/span> <\/span>\u0628\u0639\u0642\u0644\u064a\u0629 “\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0622\u0645\u0646” \u0627\u0644\u062a\u064a \u064a\u0641\u0636\u0644\u0647\u0627 <\/span>\u0627\u0644\u062c\u064a\u0644<\/span> \u0627\u0644\u0623\u0648\u0644. \u0625\u0644\u0627 \u0623\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0638\u0647\u0631 \u0623\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a<\/span> \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629<\/span> \u0627\u0644\u062a\u064a \u0623\u062f\u0645\u062c\u062a <\/span>\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629<\/span> \u0641\u064a <\/span>\u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0623\u0648 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a <\/span>\u0623\u0638\u0647\u0631\u062a \u0645\u0631\u0648\u0646\u0629 \u0623\u0643\u0628\u0631 \u0641\u064a \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 <\/span>\u0648\u0627\u0644\u0646\u0645\u0648<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0631\u0627\u0628\u0639\u064b\u0627<\/span>: \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629<\/span><\/span> <\/span><\/p><\/div>

\u062a\u0648\u062c\u062f \u0641\u0631\u0635 \u0643\u0628\u064a\u0631\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 <\/span>\u0644\u0644\u0631\u064a\u0627\u062f\u0629<\/span> \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629\u060c \u0644\u0643\u0646\u0647\u0627 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0646\u0641\u0633\u0647 \u062a\u0648\u0627\u062c\u0647 \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0646\u0641\u064a\u0630\u064a\u0629 \u062a\u062a\u0639\u0644\u0642 \u0628\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u062a\u063a\u064a\u064a\u0631 \u0648\u0627\u0639\u062a\u0645\u0627\u062f \u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0628\u064a\u0626\u064a\u0629 \u0648\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0645\u062a\u0642\u062f\u0645\u0629. \u0625\u062f\u0645\u0627\u062c \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u062d\u0633\u0651\u0646 \u0635\u0648\u0631\u0629 \u0627\u0644\u0634\u0631\u0643\u0629 \u0648\u064a\u0641\u062a\u062d \u0623\u0633\u0648\u0627\u0642\u064b\u0627 \u0648\u0634\u0631\u0627\u0643\u0627\u062a \u062c\u062f\u064a\u062f\u0629\u060c \u0644\u0643\u0646 \u0630\u0644\u0643 \u064a\u062a\u0637<\/span>\u0644<\/span>\u0628 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0648\u062a\u063a\u064a\u0631\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u062e\u0627\u0645\u0633\u064b\u0627<\/span>: <\/span>\u0645\u0648\u0627\u0621\u0645\u0629 \u0631\u0624\u064a\u0629 2030 <\/span> <\/span><\/p><\/div>

\u0627\u0633\u062a\u0634\u0639\u0631\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0623\u0647\u0645\u064a\u0629 \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639\u060c \u0641\u0623\u0646\u0634\u0623\u062a “\u0627\u0644\u0645\u0631\u0643\u0632 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0644\u0645\u0646\u0634\u0622\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629”\u060c \u0627\u0644\u0630\u064a \u064a\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0623\u062f\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u0634\u0627\u062f\u064a\u0629 \u0644\u0644\u062d\u0648\u0643\u0645\u0629\u060c \u0648\u0646\u0634\u0631 \u0627\u0644\u0648\u0639\u064a \u0628\u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0645\u0648\u0627\u062b\u064a\u0642 \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629. \u0643\u0645\u0627 \u062c\u0627\u0621 \u0646\u0638\u0627\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f \u0644\u064a\u0648\u0641\u0631 \u0645\u0631\u0648\u0646\u0629 \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u062a\u062a\u064a\u062d \u0644\u0644\u0639\u0627\u0626\u0644\u0627\u062a \u0625\u0628\u0631\u0627\u0645 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0645\u0633\u0627\u0647\u0645\u064a\u0646 \u062a\u0646\u0638\u0645 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0628\u0634\u0643\u0644 \u064a\u062d\u0645\u064a \u0643\u064a\u0627\u0646 \u0627\u0644\u0634\u0631\u0643\u0629 \u0639\u0646\u062f \u062d\u062f\u0648\u062b \u062e\u0644\u0627\u0641\u0627\u062a <\/span>\u0628\u064a\u0646 \u0627\u0644<\/span>\u0648\u0631\u062b\u0629<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0644\u0645 \u064a\u0639\u062f \u062e\u064a\u0627\u0631 \u0627\u0644\u0628\u0642\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u0642\u062f\u064a\u0645 \u0645\u062a\u0627\u062d<\/span>\u064b<\/span>\u0627. \u062a\u0641\u0631\u0636 \u0631\u0624\u064a\u0629 2030 \u0645\u0639\u0627\u064a\u064a\u0631 \u0639\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0643\u0645\u0627 \u062a\u0634\u062c\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0625\u062f\u0631\u0627\u062c \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0623\u0633\u0647\u0645. \u0647\u0630\u0627 \u0627\u0644\u062a\u0648\u062c\u0647 \u064a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062d\u0645\u0627\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u0643\u064a\u0627\u0646\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0641\u0643\u0643 \u0648\u0636\u0645\u0627\u0646 \u0645\u0633\u0627\u0647\u0645\u062a\u0647\u0627 \u0641\u064a \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u0645\u062d\u0644\u064a<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0633\u0627\u062f\u0633\u064b\u0627<\/span>: \u0635\u0639\u0648\u0628\u0629 <\/span>\u062c\u0630\u0628 \u0627\u0644\u0643\u0641\u0627\u0621\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 <\/span><\/span> <\/span><\/p><\/div>

\u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629 \u062a\u062d\u062f\u064a<\/span>\u064b<\/span>\u0627 \u0641\u064a \u062c\u0630\u0628 “\u0627\u0644\u0643\u0641\u0627\u0621\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629<\/span><\/span>\u060c<\/span> <\/span><\/span>\u0641<\/span>\u063a\u0627\u0644\u0628<\/span>\u064b<\/span>\u0627 \u0645\u0627 \u064a\u062a\u0631\u062f\u062f \u0627\u0644<\/span>\u0642\u0627\u062f\u0629<\/span> \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0648\u0646 \u0641\u064a \u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0627\u0626\u0644\u064a\u0629 \u062e\u0648\u0641<\/span>\u064b<\/span>\u0627 \u0645\u0646<\/span><\/span> <\/span>\u0633\u0642\u0641 \u0627\u0644\u0645\u0633\u0627\u0631 \u0627\u0644\u0648\u0638\u064a\u0641\u064a \u0623\u0648 \u0627\u0644\u062a\u062f\u062e\u0644 \u0627\u0644\u0639\u0627\u0626\u0644\u064a \u0641\u064a \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a. \u0644\u0630\u0627\u060c \u0641\u0625\u0646 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0628\u064a\u0626\u0629 \u0639\u0645\u0644 \u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u062c\u062f\u0627\u0631\u0629<\/span> <\/span>\u0647\u0648 \u0627\u0644\u0633\u0628\u064a\u0644 \u0627\u0644\u0648\u062d\u064a\u062f \u0644\u0644\u0634\u0631\u0643\u0627\u062a<\/span> \u0627\u0644\u0639\u0627\u0626\u0644\u064a\u0629<\/span> \u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u062c\u0646\u0633\u064a\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629<\/span><\/span>.<\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

<\/span><\/span> <\/span><\/p><\/div>

\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a<\/span> \u0627\u0644\u0645\u0648\u0627\u062c\u0647\u0629 \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a<\/span><\/span> <\/span><\/p><\/div>

  1. \u0648\u0636\u0639 \u062e\u0637\u0629 \u062e\u0644\u0627\u0641\u0629 \u0645\u0643\u062a\u0648\u0628\u0629 \u0648\u0648\u0627\u0636\u062d\u0629 \u062a\u0634\u0645\u0644 \u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u0642\u0627\u062f\u0645\u060c \u0648\u062a\u062d\u062f\u064a\u062f \u0623\u062f\u0648\u0627\u0631 \u0648\u0645\u0647\u0627\u0645 \u0644\u0643\u0644 \u0641\u0631\u062f\u060c \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0644\u062d\u0644 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a<\/span>.<\/span> <\/span><\/p><\/li><\/ol><\/div>

    1. \u062a\u0628\u0646\u0651\u064a \u0645\u0645\u0627\u0631\u0633\u0627\u062a \u062d\u0648\u0643\u0645\u0629 \u0645\u0624\u0633\u0633\u064a\u0629: \u0625\u0646\u0634\u0627\u0621 \u0645\u062c\u0644\u0633 \u0625\u062f\u0627\u0631\u0629 \u064a\u0636\u0645 \u0623\u0639\u0636\u0627\u0621 \u0645\u0633\u062a\u0642\u0644\u064a\u0646\u060c \u0648\u062a\u0642\u0627\u0631\u064a\u0631 \u062f\u0648\u0631\u064a\u0629 \u0639\u0646 \u0627\u0644\u0623\u062f\u0627\u0621 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/span>.<\/span> <\/span><\/p><\/li><\/ol><\/div>

      1. \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u062a\u062d<\/span>\u0648<\/span>\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u062a\u0628\u0646\u064a \u062a\u0642\u0646\u064a\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u062d\u062f\u064a\u062b\u0629 \u0644\u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0648\u062a\u062d\u0633\u064a\u0646 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621<\/span><\/span>.<\/span> <\/span><\/p><\/li><\/ol><\/div>

        1. \u0648\u0636\u0639 \u0633\u064a\u0627\u0633\u0627\u062a \u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0645\u0628\u0643\u0631\u0629 \u0628\u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0645\u0633\u062a\u0634\u0627\u0631\u064a\u0646\u061b \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0646\u062a\u0642\u0627\u0644 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/span>.<\/span> <\/span><\/p><\/li><\/ol><\/div>

          1. \u062a\u0634\u062c\u064a\u0639 \u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u062f\u0627\u062e\u0644 \u0627\u0644\u0634\u0631\u0643\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0634\u0627\u0631\u064a\u0639 \u062a\u062c\u0631\u064a\u0628\u064a\u0629\u060c \u0648\u0641\u062a\u062d \u0642\u0646\u0648\u0627\u062a \u0644\u0644\u062d\u0648\u0627\u0631 \u0628\u064a\u0646 \u0627\u0644\u0623\u062c\u064a\u0627\u0644 \u0644\u062a\u0648\u062d\u064a\u062f \u0627\u0644\u0631\u0624\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629<\/span>.<\/span> <\/span><\/p><\/li><\/ol><\/div>

            <\/span><\/span> <\/span><\/p><\/div>

            <\/span><\/span> <\/span><\/p><\/div>

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