╨С╨░╨╖╨╡╨╗╤М III
╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨С╨░╨╖╨╡╨╗╤М III?
╨С╨░╨╖╨╡╨╗╤М III ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╨╜╨╛╤А╨╝╨░╤В╨╕╨▓╨╜╨╛-╨┐╤А╨░╨▓╨╛╨▓╤Г╤О ╨▒╨░╨╖╤Г, ╤П╨▓╨╗╤П╤О╤Й╤Г╤О╤Б╤П ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨╡╨╜╨╕╨╡╨╝ ╨С╨░╨╖╨╡╨╗╤М╤Б╨║╨╕╤Е ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╨╣, ╤А╨░╨╖╤А╨░╨▒╨╛╤В╨░╨╜╨╜╤Г╤О ╨╕ ╤Б╨╛╨│╨╗╨░╤Б╨╛╨▓╨░╨╜╨╜╤Г╤О ╨С╨░╨╖╨╡╨╗╤М╤Б╨║╨╕╨╝ ╨║╨╛╨╝╨╕╤В╨╡╤В╨╛╨╝ ╨┐╨╛ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╝╤Г ╨╜╨░╨┤╨╖╨╛╤А╤Г ╨┤╨╗╤П ╤Г╨╢╨╡╤Б╤В╨╛╤З╨╡╨╜╨╕╤П ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨║ ╨║╨░╨┐╨╕╤В╨░╨╗╤Г ╨▒╨░╨╜╨║╨╛╨▓ ╨╕ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╤А╨╕╤Б╨║╨╛╨▓. ╨н╤В╨╛ ╨┤╨╡╨╗╨░╨╡╤В╤Б╤П ╨┐╤Г╤В╨╡╨╝ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨▒╨░╨╜╨║╨░╨╝ ╨╕╨╝╨╡╤В╤М ╨▒╨╛╨╗╤М╤И╨╡ ╤А╨╡╨╖╨╡╤А╨▓╨╛╨▓ ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨┐╤А╨╛╤В╨╕╨▓ ╤Б╨▓╨╛╨╕╤Е ╨░╨║╤В╨╕╨▓╨╛╨▓, ╤З╤В╨╛ ╤Г╨╝╨╡╨╜╤М╤И╨╕╤В ╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╤М ╨▒╨░╨╜╨║╨╛╨▓ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨╖╨░╨╡╨╝╨╜╤Л╨╡ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░.
╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡
╨Ю╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡
╨С╨░╨╖╨╡╨╗╤М╤Б╨║╨╕╨╣ ╨║╨╛╨╝╨╕╤В╨╡╤В ╨┐╨╛ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╝╤Г ╨╜╨░╨┤╨╖╨╛╤А╤Г ╨▒╤Л╨╗ ╤Б╨╛╨╖╨┤╨░╨╜ ╨▓ 1974 ╨│╨╛╨┤╤Г ╨┤╨╗╤П ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╣ ╤Б╤В╨░╨▒╨╕╨╗╤М╨╜╨╛╤Б╤В╨╕ ╨┐╤Г╤В╨╡╨╝ ╨┐╤А╨╕╨╜╤П╤В╨╕╤П ╤Б╤В╤А╨╛╨│╨╕╤Е ╨┐╤А╨░╨▓╨╕╨╗ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╣ ╨┐╤А╨░╨║╤В╨╕╨║╨╕ ╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓. ╨Т ╤Б╨╛╤Б╤В╨░╨▓ ╨║╨╛╨╝╨╕╤В╨╡╤В╨░ ╨▓╨╛╤И╨╗╨╕ ╤Г╨┐╤А╨░╨▓╨╗╤П╤О╤Й╨╕╨╡ ╤Ж╨╡╨╜╤В╤А╨░╨╗╤М╨╜╤Л╤Е ╨▒╨░╨╜╨║╨╛╨▓ ╨┤╨╡╤Б╤П╤В╨╕ ╤А╨░╨╖╨╜╤Л╤Е ╤Б╤В╤А╨░╨╜ ╤Б╨╛ ╤И╤В╨░╨▒-╨║╨▓╨░╤А╤В╨╕╤А╨╛╨╣ ╨▓ ╨С╨░╨╖╨╡╨╗╨╡, ╨и╨▓╨╡╨╣╤Ж╨░╤А╨╕╤П.
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╨Я╨╡╤А╨▓╨╛╨╜╨░╤З╨░╨╗╤М╨╜╨╛ ╨С╨░╨╖╨╡╨╗╤М╤Б╨║╨╕╨╣ ╨║╨╛╨╝╨╕╤В╨╡╤В ╤Б╨╛╤Б╤В╨╛╤П╨╗ ╨╕╨╖ ╤З╨╗╨╡╨╜╨╛╨▓ G10. ╨Я╨╛╨╖╨╢╨╡ ╨▓ 2009 ╨│╨╛╨┤╤Г ╨╛╨╜ ╤А╨░╤Б╤И╨╕╤А╨╕╨╗ ╤З╨╗╨╡╨╜╤Б╤В╨▓╨╛ ╨╖╨░ ╤Б╤З╨╡╤В ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╣ ╨╕╨╖ ╨С╤А╨░╨╖╨╕╨╗╨╕╨╕, ╨Р╨▓╤Б╤В╤А╨░╨╗╨╕╨╕, ╨Ш╨╜╨┤╨╕╨╕, ╨б╨░╤Г╨┤╨╛╨▓╤Б╨║╨╛╨╣ ╨Р╤А╨░╨▓╨╕╨╕, ╨а╨╛╤Б╤Б╨╕╨╕, ╨п╨┐╨╛╨╜╨╕╨╕, ╨Ш╤В╨░╨╗╨╕╨╕, ╨Ь╨╡╨║╤Б╨╕╨║╨╕, ╨Р╤А╨│╨╡╨╜╤В╨╕╨╜╤Л, ╨Ъ╨░╨╜╨░╨┤╤Л, ╨С╨╡╨╗╤М╨│╨╕╨╕, ╨Ш╨╜╨┤╨╛╨╜╨╡╨╖╨╕╨╕, ╨и╨▓╨╡╨╣╤Ж╨░╤А╨╕╨╕, ╨о╨╢╨╜╨╛╨╣ ╨Р╤Д╤А╨╕╨║╨╕, ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╨╛╨│╨╛ ╨Ъ╨╛╤А╨╛╨╗╨╡╨▓╤Б╤В╨▓╨░ ╨╕ ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╤Е ╨и╤В╨░╤В╨╛╨▓. ╨▓╤Б╨╡ ╨╕╨╖ ╨║╨╛╤В╨╛╤А╤Л╤Е ╤Д╨╛╤А╨╝╨╕╤А╤Г╤О╤В╤Б╤П.
╨ж╨╡╨╗╨╕
╨С╨░╨╖╨╡╨╗╤М III ╨┐╤А╨╛╨▓╨╡╨╗ ╤А╨╡╤Д╨╛╤А╨╝╤Л, ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜╨╜╤Л╨╡ ╨╜╨░ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╨╡ ╤А╨╕╤Б╨║╨╛╨▓ ╨▓ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╨╡. ╨ж╨╡╨╗╤М╤О ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╤П ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Б╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡ ╨▒╨╛╨╗╤М╤И╨╡╨╣ ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╤Б╤В╨╕ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╤А╨╡╨╖╨╡╤А╨▓╨░, ╨┐╤А╨╡╨╢╨┤╨╡ ╤З╨╡╨╝ ╨┐╤А╨╕╨▓╨╗╨╡╨║╨░╤В╤М ╨┤╨╡╨╜╤М╨│╨╕. ╨Ю╨╜ ╨╜╨░╨┐╤А╨░╨▓╨╗╨╡╨╜ ╨╜╨░ ╤Б╨╛╨▓╨╡╤А╤И╨╡╨╜╤Б╤В╨▓╨╛╨▓╨░╨╜╨╕╨╡ ╨╜╨╛╤А╨╝╨░╤В╨╕╨▓╨╜╨╛-╨┐╤А╨░╨▓╨╛╨▓╨╛╨╣ ╨▒╨░╨╖╤Л ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╣ ╨┤╨╡╤П╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╨╕, ╨║╨╛╤В╨╛╤А╨░╤П ╨▒╤Л╨╗╨░ ╨┐╤А╨╡╨┤╤Г╤Б╨╝╨╛╤В╤А╨╡╨╜╨░ ╨▓ ╨▒╨╛╨╗╨╡╨╡ ╤А╨░╨╜╨╜╨╕╤Е ╨С╨░╨╖╨╡╨╗╤М╤Б╨║╨╕╤Е ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╤П╤Е. ╨Ю╤Б╨╛╨▒╨╛╨╡ ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡ ╨▒╤Л╨╗╨╛ ╤Г╨┤╨╡╨╗╨╡╨╜╨╛ ╨┐╨╛╨▓╤Л╤И╨╡╨╜╨╕╤О ╤Г╤Б╤В╨╛╨╣╤З╨╕╨▓╨╛╤Б╤В╨╕ ╨▒╨░╨╜╨║╨╛╨▓ ╨╖╨░ ╤Б╤З╨╡╤В ╤А╨░╤Б╤Б╨╝╨╛╤В╤А╨╡╨╜╨╕╤П ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╤Д╨╕╨╜╨░╨╜╤Б╨░╨╝╨╕ ╨╕ ╤А╨╕╤Б╨║╨░╨╝╨╕ ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╤Б╤В╤А╨╡╤Б╤Б-╤В╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨▓ ╤Н╨║╤Б╤В╤А╨╡╨╝╨░╨╗╤М╨╜╤Л╤Е ╤Б╨╕╤В╤Г╨░╤Ж╨╕╤П╤Е. ╨н╤В╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╤Г╨║╤А╨╡╨┐╨╗╨╡╨╜╨╕╨╡ ╨▒╨░╨╜╨║╨╛╨▓ ╨▓╨╛ ╨▓╤А╨╡╨╝╤П ╨║╤А╨╕╨╖╨╕╤Б╨░ ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨▒╨╡╨┤╤Б╤В╨▓╨╕╤П. ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨║╤А╨╕╨╖╨╕╤Б. ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨║╤А╨╕╨╖╨╕╤Б тАФ ╤Н╤В╨╛ ╤Б╨╕╤В╤Г╨░╤Ж╨╕╤П, ╨▓ ╨║╨╛╤В╨╛╤А╨╛╨╣ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П ╨╕╨╗╨╕ ╨╗╤О╨▒╨╛╨╡ ╨╗╨╕╤Ж╨╛ ╨╜╨╡ ╨▓ ╤Б╨╛╤Б╤В╨╛╤П╨╜╨╕╨╕ ╨▓╤Л╨┐╨╛╨╗╨╜╨╕╤В╤М ╤Б╨▓╨╛╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨░ ╨▓ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨╛╤З╨╜╨╛╨│╨╛ ╨┤╨╛╤Е╨╛╨┤╨░. ╨Ю╨▒╤Л╤З╨╜╨╛ ╤Н╤В╨╛ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В ╨▓╤Л╤Б╨╛╨║╨╕╤Е ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨╖╨░╤В╤А╨░╤В, ╤Г╤Б╤В╨░╤А╨╡╨▓╤И╨╕╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣, ╨▒╨╛╨╗╤М╤И╨╕╤Е ╨┤╨╛╨╗╨│╨╛╨▓, ╨╜╨╡╨┐╤А╨░╨▓╨╕╨╗╤М╨╜╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╕ ╤Б╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╤П ╨▒╤О╨┤╨╢╨╡╤В╨░, ╨░ ╤В╨░╨║╨╢╨╡ ╨┐╨╗╨╛╤Е╨╛╨│╨╛ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П, ╨╕ ╨▓ ╨║╨╛╨╜╨╡╤З╨╜╨╛╨╝ ╨╕╤В╨╛╨│╨╡ ╤Н╤В╨╛ ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╕╨▓╨╡╤Б╤В╨╕ ╨║ ╨╜╨╡╨┐╨╗╨░╤В╨╡╨╢╨╡╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╨╕ ╨╕╨╗╨╕ ╨▒╨░╨╜╨║╤А╨╛╤В╤Б╤В╨▓╤Г. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡.
╨Т╤Л╨┐╨╛╨╗╨╜╨╡╨╜╨╕╨╡
╨С╨░╨╖╨╡╨╗╤М III ╨┐╨╛╤П╨▓╨╕╨╗╤Б╤П ╨┐╨╛ ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╤О ╤З╨╗╨╡╨╜╨╛╨▓ BCBS ╨▓ ╨╜╨╛╤П╨▒╤А╨╡ 2010 ╨│╨╛╨┤╨░. ╨Т╨╜╨╡╨┤╤А╨╡╨╜╨╕╨╡ ╨▒╤Л╨╗╨╛ ╨╖╨░╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╛ ╨╜╨░ 2013 ╨│╨╛╨┤, ╨╜╨╛ ╨┐╤А╨╕ ╤А╨░╨╖╨▓╨╡╤А╤В╤Л╨▓╨░╨╜╨╕╨╕ ╨╜╨╡╨╛╨┤╨╜╨╛╨║╤А╨░╤В╨╜╨╛ ╨┐╤А╨╛╨┤╨╗╨╡╨▓╨░╨╗╨╛╤Б╤М. ╨Я╨╡╤А╨▓╤Л╨╣ ╨╖╨░╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜ ╨╜╨░ ╨╝╨░╤А╤В 2019 ╨│╨╛╨┤╨░, ╨░ ╨▓╤В╨╛╤А╨╛╨╣ тАФ ╨╜╨░ ╤П╨╜╨▓╨░╤А╤М 2022 ╨│╨╛╨┤╨░.
╨г╤В╨▓╨╡╤А╨╢╨┤╨░╨╡╤В╤Б╤П, ╤З╤В╨╛ ╨▓ ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╤Е ╨и╤В╨░╤В╨░╤Е ╨С╨░╨╖╨╡╨╗╤М III ╨┐╤А╨╕╨╝╨╡╨╜╤П╨╡╤В╤Б╤П ╨║╨╛ ╨▓╤Б╨╡╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨╝ ╤Б ╨░╨║╤В╨╕╨▓╨░╨╝╨╕. ╨Т ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╤Е ╨и╤В╨░╤В╨░╤Е ╨С╨░╨╖╨╡╨╗╤М III ╨┐╤А╨╕╨╝╨╡╨╜╤П╨╡╤В╤Б╤П ╨║╨╛ ╨▓╤Б╨╡╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨╝ ╤Б ╨░╨║╤В╨╕╨▓╨░╨╝╨╕ ╨▒╨╛╨╗╨╡╨╡ 50 ╨╝╨╕╨╗╨╗╨╕╨░╤А╨┤╨╛╨▓ ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╤Б ╤А╨░╨╖╨╗╨╕╤З╨╕╤П╨╝╨╕ ╨▓ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П╤Е ╨║ ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В╨░╨╝ ╨╕ ╤А╨░╤Б╤З╨╡╤В╨░╤Е. ╨Т 2013 ╨│╨╛╨┤╤Г ╨б╨╛╨▓╨╡╤В ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╣ ╤А╨╡╨╖╨╡╤А╨▓╨╜╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╤Л ╤Г╤В╨▓╨╡╤А╨┤╨╕╨╗ ╨░╨╝╨╡╤А╨╕╨║╨░╨╜╤Б╨║╤Г╤О ╨▓╨╡╤А╤Б╨╕╤О ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В╨░ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕. ╨Ъ╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨┐╨╛╨║╤А╤Л╤В╨╕╤П╨Ъ╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╨┐╨╛╨║╨░╨╖╤Л╨▓╨░╨╡╤В ╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╤М ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨▓╤Л╨┐╨╛╨╗╨╜╤П╤В╤М ╨▓╤Б╨╡ ╤Б╨▓╨╛╨╕ ╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨░, ╨▓╨║╨╗╤О╤З╨░╤П ╨┤╨╛╨╗╨│, ╨╗╨╕╨╖╨╕╨╜╨│╨╛╨▓╤Л╨╡ ╨┐╨╗╨░╤В╨╡╨╢╨╕ ╨╕ ╨┤╨╕╨▓╨╕╨┤╨╡╨╜╨┤╤Л, ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨╗╤О╨▒╨╛╨│╨╛ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░. ╨С╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╨╕╨╣ ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╤Г╨║╨░╨╖╤Л╨▓╨░╨╡╤В ╨╜╨░ ╤В╨╛, ╤З╤В╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б ╨╕╨╝╨╡╨╡╤В ╨▒╨╛╨╗╨╡╨╡ ╤Б╨╕╨╗╤М╨╜╤Г╤О ╨┐╨╛╨╖╨╕╤Ж╨╕╤О ╨┤╨╗╤П ╨┐╨╛╨│╨░╤И╨╡╨╜╨╕╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╨┤╨╛╨╗╨│╨░. ╨Я╨╛╨┐╤Г╨╗╤П╤А╨╜╤Л╨╡ ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В╤Л ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨┐╨╛╨║╤А╤Л╤В╨╕╨╡ ╨┤╨╛╨╗╨│╨░, ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓, ╨░╨║╤В╨╕╨▓╨╛╨▓ ╨╕ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╛ ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╨╕ ╨С╨░╨╖╨╡╨╗╤М III. ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╨╡ ╨и╤В╨░╤В╤Л ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╨╗╨╕ ╨║╨╗╨░╤Б╤Б╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╤В╤М ╨╗╨╕╨║╨▓╨╕╨┤╨╜╤Л╨╡ ╨░╨║╤В╨╕╨▓╤Л. ╨Ы╨╕╨║╨▓╨╕╨┤╨╜╤Л╨╡ ╨░╨║╤В╨╕╨▓╤Л. ╨Ы╨╕╨║╨▓╨╕╨┤╨╜╤Л╨╡ ╨░╨║╤В╨╕╨▓╤Л тАФ ╤Н╤В╨╛ ╨┤╨╡╨╗╨╛╨▓╤Л╨╡ ╨░╨║╤В╨╕╨▓╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨┐╤А╨╡╨╛╨▒╤А╨░╨╖╨╛╨▓╨░╨╜╤Л ╨▓ ╨╜╨░╨╗╨╕╤З╨╜╤Л╨╡ ╨┤╨╡╨╜╤М╨│╨╕ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨║╨╛╤А╨╛╤В╨║╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░ ╨▓╤А╨╡╨╝╨╡╨╜╨╕, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╨╜╨░╨╗╨╕╤З╨╜╤Л╨╡ ╨┤╨╡╨╜╤М╨│╨╕, ╤А╤Л╨╜╨╛╤З╨╜╤Л╨╡ ╤Ж╨╡╨╜╨╜╤Л╨╡ ╨▒╤Г╨╝╨░╨│╨╕ ╨╕ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Л ╨┤╨╡╨╜╨╡╨╢╨╜╨╛╨│╨╛ ╤А╤Л╨╜╨║╨░. ╨Ю╨╜╨╕ ╨╛╤В╤А╨░╨╢╨░╤О╤В╤Б╤П ╨╜╨░ ╤Б╤В╨╛╤А╨╛╨╜╨╡ ╨░╨║╤В╨╕╨▓╨╛╨▓ ╨▒╨░╨╗╨░╨╜╤Б╨░ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕.╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ ╨╜╨░ ╤В╤А╨╡╤Е ╤Г╤А╨╛╨▓╨╜╤П╤Е ╤Б ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В╨╛╨╝ ╤А╨╕╤Б╨║╨░ 0%, 20% ╨╕ 50%, ╨┐╤А╨╕ ╤Н╤В╨╛╨╝ ╨╛╤Б╨╛╨▒╨╛╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╨┐╤А╨╕╨┤╨░╨╡╤В╤Б╤П ╤Б╨╕╤Б╤В╨╡╨╝╨░╤В╨╕╤З╨╡╤Б╨║╨╕ ╨▓╨░╨╢╨╜╤Л╨╝ ╨▒╨░╨╜╨║╨░╨╝ ╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨╝╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╨╛╤В╨╜╨╛╤Б╤П╤В╤Б╤П ╨║ ╤Н╤В╨╕╨╝ ╨╛╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П╨╝ ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╤Б╨▓╨╛╨╕╨╝ ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б-╤Г╤Б╨╗╤Г╨│╨╕ ╨╕ ╨┐╤А╨╛╨┤╤Г╨║╤В╤Л, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╨╡ ╤Б ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╨╕╨╗╨╕ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╝╨╕ ╨╛╨┐╨╡╤А╨░╤Ж╨╕╤П╨╝╨╕. ╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╝╨╕ ╨╕╨╖ ╨╜╨╕╤Е ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨▒╨░╨╜╨║╨╕, NBFC, ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨▒╤А╨╛╨║╨╡╤А╤Б╨║╨╕╨╡ ╤Д╨╕╤А╨╝╤Л, ╤Б╤В╤А╨░╤Е╨╛╨▓╤Л╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨╕ ╤В╤А╨░╤Б╤В╨╛╨▓╤Л╨╡ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╕. ╤З╨╕╤В╨░╤В╤М ╨┤╨░╨╗╨╡╨╡.
╨Ч╨░╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╡ ╨▓╨▓╨╡╨┤╨╡╨╜╨╕╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨║ ╨║╨░╨┐╨╕╤В╨░╨╗╤Г, ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨│╨╛ ╨┐╨╗╨╡╤З╨░. ╨Ъ╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨│╨╛ ╨┐╨╗╨╡╤З╨░. ╨Ф╨╛╨╗╨│ ╨║ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╨╝╤Г ╨║╨░╨┐╨╕╤В╨░╨╗╤Г, ╨┤╨╛╨╗╨│ ╨║ ╨║╨░╨┐╨╕╤В╨░╨╗╤Г, ╨┤╨╛╨╗╨│ ╨║ ╨░╨║╤В╨╕╨▓╨░╨╝ ╨╕ ╨┤╨╛╨╗╨│ ╨║ EBITDA. ╨┐╤А╨╛╤В╨╕╨▓ ╤Б╨▓╨╛╨╕╤Е ╨░╨║╤В╨╕╨▓╨╛╨▓ ╨╕╨╗╨╕ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╨│╨╛ ╨║╨░╨┐╨╕╤В╨░╨╗╨░. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡, ╨╕ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨▓ ╨╡╨▓╤А╨╛╨┐╨╡╨╣╤Б╨║╨╛╨╝ ╨║╨╛╨╜╤В╨╡╨║╤Б╤В╨╡ ╨╝╨╡╨╜╤П╨╗╨╕╤Б╤М ╨▓╨╛ ╨▓╤А╨╡╨╝╨╡╨╜╨╕.
╨б╤В╨╛╨╗╨┐╤Л ╨С╨░╨╖╨╡╨╗╤П III
- ╨в╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╡ ╨║ ╨▒╨░╨╜╨║╨░╨╝ ╨┐╨╛╨┤╨┤╨╡╤А╨╢╨╕╨▓╨░╤В╤М ╨╝╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Л╨╣ ╤А╨╡╨╖╨╡╤А╨▓ ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨╕ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨▒╤Г╤Д╨╡╤А╨╜╤Л╨╣ ╤Б╨╗╨╛╨╣ ╨▓ ╨╛╨▒╤Й╨╡╨╝ ╨║╨░╨┐╨╕╤В╨░╨╗╨╡.
- ╨б╤В╤А╨╡╤Б╤Б-╤В╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╣ ╤Б╨╕╤Б╤В╨╡╨╝╤Л ╨┐╤Г╤В╨╡╨╝ ╨▓╨╜╨╡╨┤╤А╨╡╨╜╨╕╤П ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╝╤Г ╨┐╨╗╨╡╤З╤Г.
- ╨Ф╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨║╨░╨┐╨╕╤В╨░╨╗╤Г ╨╕ ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨┤╨╗╤П ╤Б╨╕╤Б╤В╨╡╨╝╨╜╨╛ ╨╖╨╜╨░╤З╨╕╨╝╤Л╤Е ╨▒╨░╨╜╨║╨╛╨▓.
╨С╨░╨╖╨╡╨╗╤М III ╨┐╤А╨░╨▓╨╕╨╗╨░
╨Ф╨╛╤Б╤В╨░╤В╨╛╤З╨╜╨╛╤Б╤В╤М ╨║╨░╨┐╨╕╤В╨░╨╗╨░
- ╨а╨╡╨╖╨╡╤А╨▓ ╨║╨░╨┐╨╕╤В╨░╨╗╨░╨а╨╡╨╖╨╡╤А╨▓ ╨║╨░╨┐╨╕╤В╨░╨╗╨░╨а╨╡╨╖╨╡╤А╨▓ ╨║╨░╨┐╨╕╤В╨░╨╗╨░ тАУ ╤Н╤В╨╛ ╤А╨╡╨╖╨╡╤А╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╤Д╨╛╤А╨╝╨╕╤А╤Г╨╡╤В╤Б╤П ╨╕╨╖ ╨┐╤А╨╕╨▒╤Л╨╗╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╜╨╛╨╣ ╨╛╤В ╨╡╨╡ ╨▓╨╜╨╡╤А╨╡╨░╨╗╨╕╨╖╨░╤Ж╨╕╨╛╨╜╨╜╨╛╨╣ ╨┤╨╡╤П╤В╨╡╨╗╤М╨╜╨╛╤Б╤В╨╕ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╨╛╨│╨╛ ╨┐╨╡╤А╨╕╨╛╨┤╨░ ╨▓╤А╨╡╨╝╨╡╨╜╨╕, ╨╕ ╤Б╨╛╤Е╤А╨░╨╜╤П╨╡╤В╤Б╤П ╨┤╨╗╤П ╤Ж╨╡╨╗╨╡╨╣ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╛╨╗╨│╨╛╤Б╤А╨╛╤З╨╜╤Л╤Е ╨┐╤А╨╛╨╡╨║╤В╨╛╨▓ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨╕╨╗╨╕ ╤Б╨┐╨╕╤Б╨░╨╜╨╕╤П ╨╡╨╡ ╨║╨░╨┐╨╕╤В╨░╨╗╤М╨╜╤Л╤Е ╨╖╨░╤В╤А╨░╤В ╨▓ ╨▒╤Г╨┤╤Г╤Й╨╡╨╝. ╤З╨╕╤В╨░╤В╤М ╨┤╨░╨╗╨╡╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜╤Л ╨┤╨╛ 7%, ╨▓╨║╨╗╤О╤З╨░╤П ╨║╨░╨┐╨╕╤В╨░╨╗ ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 2,5% ╨╜╨░╨┤╨▒╨░╨▓╨║╨╕ ╨┐╤А╨╛╤В╨╕╨▓ ╨░╨║╤В╨╕╨▓╨╛╨▓, ╨▓╨╖╨▓╨╡╤И╨╡╨╜╨╜╤Л╤Е ╤Б ╤Г╤З╨╡╤В╨╛╨╝ ╤А╨╕╤Б╨║╨░╨Р╨║╤В╨╕╨▓╤Л, ╨▓╨╖╨▓╨╡╤И╨╡╨╜╨╜╤Л╨╡ ╤Б ╤Г╤З╨╡╤В╨╛╨╝ ╤А╨╕╤Б╨║╨░╨Р╨║╤В╨╕╨▓, ╨▓╨╖╨▓╨╡╤И╨╡╨╜╨╜╤Л╨╣ ╤Б ╤Г╤З╨╡╤В╨╛╨╝ ╤А╨╕╤Б╨║╨░, ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨╛╨▒╨╛╨╣ ╨╝╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г, ╨║╨╛╤В╨╛╤А╤Г╤О ╨▒╨░╨╜╨║ ╨╕╨╗╨╕ ╨╗╤О╨▒╨╛╨╡ ╨┤╤А╤Г╨│╨╛╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╡ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╨╛╨┤╨┤╨╡╤А╨╢╨╕╨▓╨░╤В╤М, ╤З╤В╨╛╨▒╤Л ╨╕╨╖╨▒╨╡╨╢╨░╤В╤М ╤А╨╕╤Б╨║╨░ ╨╜╨╡╨┐╨╗╨░╤В╨╡╨╢╨╡╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╨╕ ╨╕╨╗╨╕ ╨▒╨░╨╜╨║╤А╨╛╤В╤Б╤В╨▓╨░. ╨а╨╕╤Б╨║, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╨╣ ╤Б ╨║╨░╨╢╨┤╤Л╨╝ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╝ ╨░╨║╤В╨╕╨▓╨╛╨╝, ╨░╨╜╨░╨╗╨╕╨╖╨╕╤А╤Г╨╡╤В╤Б╤П ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╨╛, ╤З╤В╨╛╨▒╤Л ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╤В╤М ╨╛╨▒╤Й╤Г╤О ╨┐╨╛╤В╤А╨╡╨▒╨╜╨╛╤Б╤В╤М ╨▓ ╨║╨░╨┐╨╕╤В╨░╨╗╨╡. ╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡ (RWA). ╨Ф╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨╛╨╡ ╨╖╨░╨║╨╛╨╜╨╛╨┤╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨╛ ╤В╤А╨╡╨▒╤Г╨╡╤В ╨║╨╛╨╜╤В╤А╤Ж╨╕╨║╨╗╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨▒╤Г╤Д╨╡╤А╨░ ╨╛╤В 0% ╨┤╨╛ 2,5% RWA ╨┤╨╗╤П CET1.
- ╨Ф╨╗╤П ╨░╨║╤В╨╕╨▓╨╛╨▓, ╨▓╨╖╨▓╨╡╤И╨╡╨╜╨╜╤Л╤Е ╤Б ╤Г╤З╨╡╤В╨╛╨╝ ╤А╨╕╤Б╨║╨░, ╤В╤А╨╡╨▒╤Г╨╡╤В╤Б╤П ╨╛╨▒╤Й╨╡╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡ ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 4,5%. ╨Т ╨С╨░╨╖╨╡╨╗╨╡ II ╤Н╤В╨╛ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╡ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╗╨╛ 2%.
- ╨Ь╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Л╨╣ ╨║╨░╨┐╨╕╤В╨░╨╗ 1-╨│╨╛ ╤Г╤А╨╛╨▓╨╜╤П ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜ ╤Б 4% ╨▓ ╨С╨░╨╖╨╡╨╗╨╡ II ╨┤╨╛ 6% ╨▓ ╨С╨░╨╖╨╡╨╗╨╡ III, ╨▓╨║╨╗╤О╤З╨░╤П 4,5% ╨╛╤В CET1 ╨╕ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨╛ 1,5% ╨╛╤В AT1 (╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╣ ╤Г╤А╨╛╨▓╨╡╨╜╤М 1).
╨Ш╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М
- ╨С╨░╨╜╨║╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╨╛╨┤╨┤╨╡╤А╨╢╨╕╨▓╨░╤В╤М ╨║╨╛╤Н╤Д╤Д╨╕╤Ж╨╕╨╡╨╜╤В ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨│╨╛ ╨┐╨╗╨╡╤З╨░ ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡ 3%. ╨в╨╛ ╨╡╤Б╤В╤М ╨Ъ╨░╨┐╨╕╤В╨░╨╗ 1 ╤Г╤А╨╛╨▓╨╜╤П ╨┤╨╛╨╗╨╢╨╡╨╜ ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М ╨╜╨╡ ╨╝╨╡╨╜╨╡╨╡ 3% ╨╕ ╨▒╨╛╨╗╨╡╨╡ ╨╛╤В ╨╛╨▒╤Й╨╡╨╣ ╤Б╤Г╨╝╨╝╤Л ╨║╨╛╨╜╤Б╨╛╨╗╨╕╨┤╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨░╨║╤В╨╕╨▓╨╛╨▓ (╨▓╨║╨╗╤О╤З╨░╤П ╨▓╨╜╨╡╨▒╨░╨╗╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕).
╨Ы╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╤М
- ╨С╨░╨╜╨║╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╕╨╝╨╡╤В╤М ╨▓╤Л╤Б╨╛╨║╨╛╨║╨░╤З╨╡╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╡ ╨╗╨╕╨║╨▓╨╕╨┤╨╜╤Л╨╡ ╨░╨║╤В╨╕╨▓╤Л ╨┤╨╗╤П ╨┐╨╛╨║╤А╤Л╤В╨╕╤П ╨╛╨▒╤Й╨╡╨│╨╛ ╨╛╤В╤В╨╛╨║╨░ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ 30 ╨┤╨╜╨╡╨╣.
- ╨в╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╡ ╨║ ╤З╨╕╤Б╤В╨╛╨╝╤Г ╤Б╤В╨░╨▒╨╕╨╗╤М╨╜╨╛╨╝╤Г ╤Д╨╛╨╜╨┤╨╕╤А╨╛╨▓╨░╨╜╨╕╤О ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜╨╛ ╨┤╨╛ ╨▒╨╛╨╗╨╡╨╡ ╤З╨╡╨╝ ╨╛╨┤╨╜╨╛╨│╨╛ ╨│╨╛╨┤╨░.
╨Ъ╤А╨╕╤В╨╕╨║╨░
- ╨в╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╤А╨╡╨╖╨╡╤А╨▓╨╜╨╛╨╝╤Г ╨║╨░╨┐╨╕╤В╨░╨╗╤Г ╤Б╨╜╨╕╨╖╤П╤В ╨║╨╛╨╜╨║╤Г╤А╨╡╨╜╤Ж╨╕╤О ╨▓ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╝ ╤Б╨╡╨║╤В╨╛╤А╨╡ ╨┐╨╛ ╨╝╨╡╤А╨╡ ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜╨╕╤П ╨▒╨░╤А╤М╨╡╤А╨╛╨▓ ╨┤╨╗╤П ╨▓╤Е╨╛╨┤╨░. ╨Ъ╤А╨╕╤В╨╕╨║╨╕ ╤Г╤В╨▓╨╡╤А╨╢╨┤╨░╤О╤В, ╤З╤В╨╛ ╤Г╨╢╨╡╤Б╤В╨╛╤З╨╡╨╜╨╕╨╡ ╨╜╨╛╤А╨╝ ╨╖╨░╤Й╨╕╤В╨╕╤В ╤Б╨╡╨║╤В╨╛╤А ╨╜╨╡╨▒╨╗╨░╨│╨╛╨┐╤А╨╕╤П╤В╨╜╤Л╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝.
- ╨в╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╝╤Г ╨┐╨╗╨╡╤З╤Г ╨╕ ╨┤╨╛╤Б╤В╨░╤В╨╛╤З╨╜╨╛╤Б╤В╨╕ ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╤В╨░╨║╨╢╨╡ ╨┐╨╛╨▓╨╗╨╕╤П╤О╤В ╨╜╨░ ╤Н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╨╛╤Б╤В╤М ╨▒╨╛╨╗╨╡╨╡ ╨║╤А╤Г╨┐╨╜╤Л╤Е ╨▒╨░╨╜╨║╨╛╨▓ ╤Б ╨┐╨╛╤Б╤В╨╛╤П╨╜╨╜╤Л╨╝ ╤А╨╛╤Б╤В╨╛╨╝ ╨╜╨░ ╨╛╤Б╨╜╨╛╨▓╨╡ ╤Б╤В╨░╨▒╨╕╨╗╤М╨╜╨╛╨╣ ╨╝╨░╤А╨╢╨╕.
- ╨Ь╨╡╤В╨╛╨┤╨╛╨╗╨╛╨│╨╕╤П ╨▓╨╖╨▓╨╡╤И╨╕╨▓╨░╨╜╨╕╤П ╤А╨╕╤Б╨║╨░ ╨▓ ╨С╨░╨╖╨╡╨╗╨╡ III ╤В╨░╨║╨░╤П ╨╢╨╡, ╨║╨░╨║ ╨╕ ╨▓ ╨С╨░╨╖╨╡╨╗╨╡ II. ╨С╨░╨╖╨╡╨╗╤М II╨С╨░╨╖╨╡╨╗╤М II тАФ ╤Н╤В╨╛ ╨▓╤В╨╛╤А╨╛╨╣ ╨╜╨░╨▒╨╛╤А ╨┐╤А╨░╨▓╨╕╨╗, ╨║╨░╤Б╨░╤О╤Й╨╕╤Е╤Б╤П ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨║ ╨╝╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╨╛╨╝╤Г ╨║╨░╨┐╨╕╤В╨░╨╗╤Г, ╨╜╨░╨┤╨╖╨╛╤А╨╜╨╛╨│╨╛ ╨║╨╛╨╜╤В╤А╨╛╨╗╤П, ╤А╨╛╨╗╨╕ ╨╕ ╤А╤Л╨╜╨╛╤З╨╜╨╛╨╣ ╨┤╨╕╤Б╤Ж╨╕╨┐╨╗╨╕╨╜╤Л, ╨░ ╤В╨░╨║╨╢╨╡ ╤А╨░╤Б╨║╤А╤Л╤В╨╕╤П ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╕. ╨С╨░╨╖╨╡╨╗╤М╤Б╨║╨╕╨╣ ╨║╨╛╨╝╨╕╤В╨╡╤В ╨┐╨╛ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╝╤Г ╨╜╨░╨┤╨╖╨╛╤А╤Г ╤А╨░╨╖╤А╨░╨▒╨╛╤В╨░╨╗ ╨┐╤А╨░╨▓╨╕╨╗╨░ ╨┤╨╗╤П ╨╝╨╡╨╢╨┤╤Г╨╜╨░╤А╨╛╨┤╨╜╤Л╤Е ╨▒╨░╨╜╨║╨╛╨▓, ╤З╤В╨╛╨▒╤Л ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╤В╤М ╨┐╤А╨╛╨╖╤А╨░╤З╨╜╤Г╤О ╨╕ ╨▒╨╡╨╖╤А╨╕╤Б╨║╨╛╨▓╤Г╤О ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╤Г╤О ╤Б╤А╨╡╨┤╤Г.╨Я╨╛╨┤╤А╨╛╨▒╨╜╨╡╨╡. ╨н╤В╨╛ ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╕╨┤╨░╤В╤М ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤А╨╡╨╣╤В╨╕╨╜╨│╨╛╨▓╤Л╨╝ ╨░╨│╨╡╨╜╤В╤Б╤В╨▓╨░╨╝, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╤Ж╨╡╨╜╨╕╨▓╨░╤О╤В ╨░╨║╤В╨╕╨▓╤Л ╨╜╨░ ╨╛╤Б╨╜╨╛╨▓╨╡ ╤А╨╕╤Б╨║╨╛╨▓╨░╨╜╨╜╨╛╤Б╤В╨╕. ╨Ъ╤А╨╕╤В╨╕╨║╨╕ ╤Г╤В╨▓╨╡╤А╨╢╨┤╨░╤О╤В, ╤З╤В╨╛ ╨┐╨╛╤Б╨╗╨╡ ╨║╤А╨╕╨╖╨╕╤Б╨░ ╤Б╤Г╨▒╤Б╤В╨░╨╜╨┤╨░╤А╤В╨╜╨╛╨│╨╛ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╤П 2008 ╨│╨╛╨┤╨░ ╤В╨░╨║╨░╤П ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╤М ╨╛╤В ╤А╨╡╨╣╤В╨╕╨╜╨│╨╛╨▓╤Л╤Е ╨░╨│╨╡╨╜╤В╤Б╤В╨▓ ╤Б╨╛╨╖╨┤╨░╨╡╤В ╨┐╤А╨╛╨▒╨╗╨╡╨╝╤Л.
- ╨Ъ╤А╨╕╤В╨╕╨║╨░ ╨С╨░╨╖╨╡╨╗╤П III ╨╜╨╡ ╨╛╨│╤А╨░╨╜╨╕╤З╨╕╨▓╨░╨╡╤В╤Б╤П ╨╡╨│╨╛ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╨░╨╝╨╕ ╨╕ ╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╤П╨╝╨╕, ╨╜╨╛ ╤В╨░╨║╨╢╨╡ ╨╕ ╤А╨╡╨░╨╗╨╕╨╖╨░╤Ж╨╕╨╡╨╣.
- ╨Ъ╤А╨╕╤В╨╕╨║╨╕ ╨╜╨╡╨╛╨┤╨╜╨╛╨║╤А╨░╤В╨╜╨╛ ╨┐╨╛╨┤╤З╨╡╤А╨║╨╕╨▓╨░╨╗╨╕ ╨╖╨░╨┤╨╡╤А╨╢╨║╤Г ╤Б ╨▓╨╜╨╡╨┤╤А╨╡╨╜╨╕╨╡╨╝ ╤Д╤А╨╡╨╣╨╝╨▓╨╛╤А╨║╨░.
- ╨Р╨╝╨╡╤А╨╕╨║╨░╨╜╤Б╨║╨░╤П ╨░╤Б╤Б╨╛╤Ж╨╕╨░╤Ж╨╕╤П ╨▒╨░╨╜╨║╨╕╤А╨╛╨▓ ╤А╨░╤Б╨║╤А╨╕╤В╨╕╨║╨╛╨▓╨░╨╗╨░ ╨┐╨╛╤Б╤В╨░╨╜╨╛╨▓╨╗╨╡╨╜╨╕╨╡, ╨╖╨░╤П╨▓╨╕╨▓, ╤З╤В╨╛ ╨С╨░╨╖╨╡╨╗╤М III ╨╜╨╡ ╤В╨╛╨╗╤М╨║╨╛ ╨┐╨╛╨▓╨╗╨╕╤П╨╡╤В, ╨╜╨╛ ╨╕ ╨╜╨░╨╜╨╡╤Б╨╡╤В ╤Г╤Й╨╡╤А╨▒ ╨▒╨╛╨╗╨╡╨╡ ╨╝╨╡╨╗╨║╨╕╨╝ ╨▒╨░╨╜╨║╨░╨╝ ╨▓ ╨б╨╛╨╡╨┤╨╕╨╜╨╡╨╜╨╜╤Л╤Е ╨и╤В╨░╤В╨░╤Е.
╨Т╨╗╨╕╤П╨╜╨╕╨╡
╨б╤В╤А╨╛╨│╨╕╨╡ ╨╜╨╛╤А╨╝╤Л ╨С╨░╨╖╨╡╨╗╤П II, ╨▒╨╡╨╖╤Г╤Б╨╗╨╛╨▓╨╜╨╛, ╨┐╨╛╨▓╨╗╨╕╤П╤О╤В ╨╜╨░ ╨╗╨╡╨│╨║╨╛╤Б╤В╤М ╨▓╨╡╨┤╨╡╨╜╨╕╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨║╨╛╤В╨╛╤А╨╛╨╣ ╨┐╨╛╨╗╤М╨╖╤Г╤О╤В╤Б╤П ╨▒╨░╨╜╨║╨╕ ╨┐╨╛ ╨▓╤Б╨╡╨╝╤Г ╨╝╨╕╤А╤Г. ╨г╨╢╨╡╤Б╤В╨╛╤З╨╡╨╜╨╕╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨║ ╨▒╤Г╤Д╨╡╤А╨╜╨╛╨╝╤Г ╨║╨░╨┐╨╕╤В╨░╨╗╤Г, ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╝╤Г ╨┐╨╗╨╡╤З╤Г ╨╕ ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╤Г╨┤╨░╤А╨╕╤В ╨┐╨╛ ╨┐╤А╨╕╨▒╤Л╨╗╤М╨╜╨╛╤Б╤В╨╕ ╨╕ ╨╝╨░╤А╨╢╨╡ ╨▒╨░╨╜╨║╨╛╨▓. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╨╕╨╡ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨║╨░╨┐╨╕╤В╨░╨╗╤Г ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 7%, ╨▓╨▓╨╡╨┤╨╡╨╜╨╜╤Л╨╡ ╨▓ ╨С╨░╨╖╨╡╨╗╨╡ III, ╨▓ ╨╜╨╡╨║╨╛╤В╨╛╤А╨╛╨╣ ╤Б╤В╨╡╨┐╨╡╨╜╨╕ ╤Б╨╛╨║╤А╨░╤В╤П╤В ╨┐╤А╨╕╨▒╤Л╨╗╤М ╨▒╨░╨╜╨║╨╛╨▓. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╤А╨░╨╖╨╝╨╡╤А ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╤Е ╨▓╤Л╨┐╨╗╨░╤В ╨▒╤Г╨┤╨╡╤В ╨╜╨░╨┐╤А╤П╨╝╤Г╤О ╨╖╨░╨▓╨╕╤Б╨╡╤В╤М ╨╛╤В ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣ ╨║ ╤А╨╡╨╖╨╡╤А╨▓╨╜╨╛╨╝╤Г ╨║╨░╨┐╨╕╤В╨░╨╗╤Г.
╨Ш╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╕╨╡ ╨Ю╨н╨б╨а (╨Ю╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╤П ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╤З╨╡╤Б╤В╨▓╨░ ╨╕ ╤А╨░╨╖╨▓╨╕╤В╨╕╤П), ╨┐╤А╨╛╨▓╨╡╨┤╨╡╨╜╨╜╨╛╨╡ ╨▓ 2011 ╨│╨╛╨┤╤Г, ╨┐╨╛╨║╨░╨╖╨░╨╗╨╛, ╤З╤В╨╛ ╨▓╨╗╨╕╤П╨╜╨╕╨╡ ╨С╨░╨╖╨╡╨╗╤П III ╨╜╨░ ╨Т╨Т╨Я ╨▒╤Г╨┤╨╡╤В ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М ╨╛╤В -0,05% ╨┤╨╛ -0,015% ╨▓ ╨│╨╛╨┤ ╨▓ ╤Б╤А╨╡╨┤╨╜╨╡╤Б╤А╨╛╤З╨╜╨╛╨╣ ╨┐╨╡╤А╤Б╨┐╨╡╨║╤В╨╕╨▓╨╡. ╨Ф╤А╤Г╨│╨╛╨╡ ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╕╨╡ ╨┐╨╛╨║╨░╨╖╨░╨╗╨╛, ╤З╤В╨╛ ╨▒╨░╨╜╨║╨░╨╝ ╨┐╤А╨╕╤И╨╗╨╛╤Б╤М ╤Г╨▓╨╡╨╗╨╕╤З╨╕╤В╤М ╨┐╤А╨╕╨╝╨╡╤А╨╜╨╛ ╨╜╨░ 15 ╨▒╨░╨╖╨╕╤Б╨╜╤Л╤Е ╨┐╤Г╨╜╨║╤В╨╛╨▓. ╨С╨░╨╖╨╕╤Б╨╜╤Л╨╡ ╨┐╤Г╨╜╨║╤В╤Л ╨╕╨╗╨╕ BPS тАФ ╤Н╤В╨╛ ╨╜╨░╨╕╨╝╨╡╨╜╤М╤И╨░╤П ╨╡╨┤╨╕╨╜╨╕╤Ж╨░ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣, ╨▓╨╡╨║╤Б╨╡╨╗╨╡╨╣ ╨╕ ╨┤╤А╤Г╨│╨╕╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨╛╨▓. BPS ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╨╡╤В ╨╝╨░╨╗╨╡╨╣╤И╨╡╨╡ ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╕, ╨╡╤Б╨╗╨╕ ╨▒╤Л╤В╤М ╤В╨╛╤З╨╜╤Л╨╝. ╨Ю╨┤╨╕╨╜ ╨▒╨░╨╖╨╕╤Б╨╜╤Л╨╣ ╨┐╤Г╨╜╨║╤В ╤А╨░╨▓╨╡╨╜ 1/100-╨╣ ╤З╨░╤Б╤В╨╕ 1%. ╨г╨╖╨╜╨░╨╣╤В╨╡ ╨▒╨╛╨╗╤М╤И╨╡ ╨╛╨▒ ╨╕╤Е ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╤Е ╤Б╨┐╤А╨╡╨┤╨░╤Е, ╤З╤В╨╛╨▒╤Л ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П╨╝ ╨┐╤А╨░╨▓╨╕╨╗╨░ ╤А╨╡╨╖╨╡╤А╨▓╨╜╨╛╨│╨╛ ╨║╨░╨┐╨╕╤В╨░╨╗╨░.
╨Ч╨░╨║╨╗╤О╤З╨╡╨╜╨╕╨╡
╨С╨░╨╖╨╡╨╗╤М III, ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛, ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Е╨╛╤А╨╛╤И╨╕╨╝ ╤И╨░╨│╨╛╨╝ ╨▓ ╤Г╨║╤А╨╡╨┐╨╗╨╡╨╜╨╕╨╕ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╣ ╤Б╤А╨╡╨┤╤Л ╨┐╨╛╤Б╨╗╨╡ ╨│╨╗╨╛╨▒╨░╨╗╤М╨╜╨╛╨│╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╨║╤А╨╕╨╖╨╕╤Б╨░. ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╨║╤А╨╕╨╖╨╕╤Б. ╨║╨╛╨│╨┤╨░ ╨▓╨╡╨┤╤Г╤Й╨╕╨╡ ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П ╨╜╨╡ ╨▓ ╤Б╨╛╤Б╤В╨╛╤П╨╜╨╕╨╕ ╨▓╤Л╨┐╨╗╨░╤В╨╕╤В╤М ╤Б╨▓╨╛╨╣ ╨╛╨│╤А╨╛╨╝╨╜╤Л╨╣ ╨┤╨╛╨╗╨│ ╨╕╨╗╨╕ ╨║╨╛╨│╨┤╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╤Б╤В╨░╨╗╨║╨╕╨▓╨░╤О╤В╤Б╤П ╤Б ╨║╤А╨╕╨╖╨╕╤Б╨╛╨╝ ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨╕ ╨╜╨╡ ╨╝╨╛╨│╤Г╤В ╨▓╨╡╤А╨╜╤Г╤В╤М ╨┤╨╡╨╜╤М╨│╨╕ ╨▓╨║╨╗╨░╨┤╤З╨╕╨║╨░╨╝, ╨▓╤Б╨╡ ╤Н╤В╨╛ ╨▓╤Л╨╖╤Л╨▓╨░╨╡╤В ╨┐╨░╨╜╨╕╨║╤Г ╨╜╨░ ╤А╤Л╨╜╨║╨░╤Е ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨╕ ╤Б╤А╨╡╨┤╨╕ ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓. ╨з╨╕╤В╨░╤В╤М ╨┤╨░╨╗╨╡╨╡ ╨▓ 2008 ╨│╨╛╨┤╤Г. ╨б╨╕╤В╤Г╨░╤Ж╨╕╤П ╨┐╨╛╨║╨░╨╖╨░╨╗╨░, ╤З╤В╨╛ ╨▒╨╛╨╗╨╡╨╡ ╨║╤А╤Г╨┐╨╜╤Л╨╡ ╨▒╨░╨╜╨║╨╕ ╨╛╨╢╨╕╨┤╨░╤О╤В ╨▒╤Л╤Б╤В╤А╨╛╨│╨╛ ╤А╨░╤Б╤И╨╕╤А╨╡╨╜╨╕╤П, ╨╜╨╡ ╨┐╤А╨╕╨┤╨░╨▓╨░╤П ╨┤╨╛╨╗╨╢╨╜╨╛╨│╨╛ ╨╖╨╜╨░╤З╨╡╨╜╨╕╤П ╨▒╨╛╨╗╨╡╨╡ ╤А╨╕╤Б╨║╨╛╨▓╨░╨╜╨╜╨╛╨╝╤Г ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╤О. ╨Т ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨▓╨╛╨╖╨╜╨╕╨║╨╗╨░ ╨╛╤Б╤В╤А╨░╤П ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛╤Б╤В╤М ╨▓ ╨▒╨╛╨╗╨╡╨╡ ╤Б╤В╤А╨╛╨│╨╕╤Е ╤А╨░╨╝╨║╨░╤Е ╤А╨╡╨│╤Г╨╗╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╗╨╡╨▓╨╡╤А╨╕╨┤╨╢╨░, ╨╗╨╕╨║╨▓╨╕╨┤╨╜╨╛╤Б╤В╨╕ ╨╕ ╨▒╤Г╤Д╨╡╤А╨░ ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨▓ ╤Б╨╡╨║╤В╨╛╤А╨╡.
╨Ю╨╜ ╨▒╤Л╨╗ ╨▓╨▓╨╡╨┤╨╡╨╜ ╤Б ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П╨╝╨╕ ╨╕ ╨┤╨╛╨┐╨╛╨╗╨╜╨╡╨╜╨╕╤П╨╝╨╕ ╨║ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╨░╨╝ ╨С╨░╨╖╨╡╨╗╤П II. ╨Э╨╛╨▓╨░╤П ╤Б╤В╤А╤Г╨║╤В╤Г╤А╨░ ╨┐╤А╨╡╨┤╨┐╨╕╤Б╤Л╨▓╨░╨╡╤В ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╤Г╤О ╨┤╨╛╤Б╤В╨░╤В╨╛╤З╨╜╨╛╤Б╤В╤М ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨┤╨╗╤П RWA, ╨▒╤Г╤Д╨╡╤А╤Л ╨┤╨╗╤П ╤Б╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╤П ╨║╨░╨┐╨╕╤В╨░╨╗╨░ ╨╕ ╨║╨╛╨╜╤В╤А╤Ж╨╕╨║╨╗╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨▒╤Г╤Д╨╡╤А╤Л ╨┤╨╗╤П RWA, ╤В╨╡╨╝ ╤Б╨░╨╝╤Л╨╝ ╤Г╨║╤А╨╡╨┐╨╗╤П╤П ╨╝╨╡╨╢╨┤╤Г╨╜╨░╤А╨╛╨┤╨╜╤Г╤О ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╤Г╤О ╤Б╨╕╤Б╤В╨╡╨╝╤Г.
╨Ю╨┤╨╜╨░╨║╨╛ ╤Г ╨╜╨╡╨│╨╛ ╨╡╤Б╤В╤М ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╤Л╨╡ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┤╨╡╨╗╨░╤О╤В ╤Б╨╡╨║╤В╨╛╤А ╨╜╨╡╤Н╤Д╤Д╨╡╨║╤В╨╕╨▓╨╜╤Л╨╝. ╨Ю╨╜ ╨┐╨╛╨╗╤Г╤З╨╕╨╗ ╤И╨╕╤А╨╛╨║╨╛╨╡ ╨┐╤А╨╕╨╖╨╜╨░╨╜╨╕╨╡, ╨╕ ╨╡╨│╨╛ ╨▓╨╜╨╡╨┤╤А╨╡╨╜╨╕╨╡ ╨┐╤А╨╛╨▓╨╛╨┤╨╕╨╗╨╛╤Б╤М ╨┐╨╛ ╨▓╤Б╨╡╨╝╤Г ╨╝╨╕╤А╤Г. ╨Ю╨┤╨╜╨░╨║╨╛ ╨│╨░╤А╨╝╨╛╨╜╨╕╨╖╨░╤Ж╨╕╤П ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨│╨╛ ╨╖╨░╨║╨╛╨╜╨╛╨┤╨░╤В╨╡╨╗╤М╤Б╤В╨▓╨░ ╨▓╨╛ ╨▓╤Б╨╡╨╝ ╨╝╨╕╤А╨╡ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╕╨▓╨╡╤Б╤В╨╕ ╨║ ╤Г╤Е╤Г╨┤╤И╨╡╨╜╨╕╤О ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╛╨▓, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨▓ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╤Е ╤Б╤В╤А╨░╨╜╨░╤Е ╤Г╨╢╨╡ ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╤О╤В ╨▒╨╛╨╗╨╡╨╡ ╤Б╨╛╨▓╨╡╤А╤И╨╡╨╜╨╜╤Л╨╡ ╨╛╤Б╨╜╨╛╨▓╤Л.
╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕
╨н╤В╨╛ ╨▒╤Л╨╗╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨║ ╤В╨╛╨╝╤Г, ╤З╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨С╨░╨╖╨╡╨╗╤М III. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨╛╨▒╤Б╤Г╨╢╨┤╨░╨╡╨╝ ╤Ж╨╡╨╗╨╕, ╤А╨╡╨░╨╗╨╕╨╖╨░╤Ж╨╕╤О, ╨╛╤Б╨╜╨╛╨▓╤Л ╨╕ ╨┐╤А╨░╨▓╨╕╨╗╨░ ╨С╨░╨╖╨╡╨╗╤П III, ╨░ ╤В╨░╨║╨╢╨╡ ╨║╤А╨╕╤В╨╕╨║╤Г ╨╕ ╨▓╨╗╨╕╤П╨╜╨╕╨╡. ╨Т╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤Г╨╖╨╜╨░╤В╤М ╨▒╨╛╨╗╤М╤И╨╡ ╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╨╛╨▓╨░╨╜╨╕╨╕ ╨╕╨╖ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е ╤Б╤В╨░╤В╨╡╨╣ тАУ
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