{"id":137162,"date":"2023-12-13T14:04:11","date_gmt":"2023-12-13T11:04:11","guid":{"rendered":"https:\/\/aiacademy.info\/blog\/?p=137162"},"modified":"2023-12-11T16:00:01","modified_gmt":"2023-12-11T13:00:01","slug":"%d8%aa%d8%ae%d9%84%d8%b5-%d9%85%d9%86%d9%87%d8%a7-%d9%82%d8%a8%d9%84-%d8%a3%d9%86-%d8%aa%d8%b6%d8%b9%d9%83-%d8%a8%d8%af%d9%8a%d9%88%d9%86-%d9%84%d9%84%d8%a3%d8%a8%d8%af-%d9%86%d8%b5%d9%8a%d8%ad","status":"publish","type":"post","link":"https:\/\/aiacademy.info\/blog\/%d8%aa%d8%ae%d9%84%d8%b5-%d9%85%d9%86%d9%87%d8%a7-%d9%82%d8%a8%d9%84-%d8%a3%d9%86-%d8%aa%d8%b6%d8%b9%d9%83-%d8%a8%d8%af%d9%8a%d9%88%d9%86-%d9%84%d9%84%d8%a3%d8%a8%d8%af-%d9%86%d8%b5%d9%8a%d8%ad\/","title":{"rendered":"\u062a\u062e\u0644\u0635 \u0645\u0646\u0647\u0627 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0636\u0639\u0643 \u0628\u062f\u064a\u0648\u0646 \u0644\u0644\u0623\u0628\u062f.. \u0646\u0635\u064a\u062d\u0629 \u0644\u062a\u0646\u0638\u064a\u0645 \u0623\u0645\u0648\u0627\u0644\u0643"},"content":{"rendered":"
\n

\u062a\u062e\u0644\u0635 \u0645\u0646\u0647\u0627 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0636\u0639\u0643 \u0628\u062f\u064a\u0648\u0646 \u0644\u0644\u0623\u0628\u062f.. \u0646\u0635\u064a\u062d\u0629 \u0644\u062a\u0646\u0638\u064a\u0645 \u0623\u0645\u0648\u0627\u0644\u0643<\/strong><\/span><\/p>\n

\u0627\u0644\u062b\u0631\u0648\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u062a\u062e\u0644\u0635 \u0645\u0646\u0647\u0627 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0636\u0639\u0643 \u0628\u062f\u064a\u0648\u0646 \u0644\u0644\u0623\u0628\u062f.. \u0646\u0635\u064a\u062d\u0629 \u0644\u062a\u0646\u0638\u064a\u0645 \u0623\u0645\u0648\u0627\u0644\u0643\u00a0<\/span><\/strong><\/span><\/h3>\n

\u062a\u0639\u062f\u0651 \u0645\u062d\u0648\u0631\u064b\u0627 \u0645\u0647\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0648\u0631\u063a\u0645 \u0627\u0644\u062a\u0631\u062d\u064a\u0628 \u0628\u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0630\u064a \u064a\u0639\u062a\u0628\u0631 \u062b\u0648\u0631\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0623\u0633\u0631\u064a\u060c \u0625\u0644\u0627 \u0623\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 (CFPB) \u0628\u0627\u0634\u0631 \u062a\u062d\u0642\u064a\u0642\u064b\u0627 \u0641\u064a \u0639\u0627\u0645 2021. \u062a\u0645 \u0641\u062d\u0635 \u0639\u062f\u0629 \u0634\u0631\u0643\u0627\u062a \u0628\u0634\u0623\u0646 \u0633\u064a\u0627\u0633\u0627\u062a\u0647\u0627 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0633\u0645\u0627\u062d \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0628\u0627\u0644\u0634\u0631\u0627\u0621 \u0648\u062a\u0623\u062c\u064a\u0644 \u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p>\n

\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u0623\u0639\u0644\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a> \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0623\u0646\u0647 \u064a\u0637\u0644\u0628 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0646\u0638\u0631\u064b\u0627 \u0644\u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0642\u0644\u0642 \u062d\u064a\u0627\u0644 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646 \u0644\u062f\u0649 \u0627\u0644\u0645\u0642\u062a\u0631\u0636\u064a\u0646. \u0648\u0645\u0646 \u062b\u0645\u060c \u0623\u0634\u0627\u0631 \u0627\u0644\u0645\u0643\u062a\u0628 \u0641\u064a \u0648\u0642\u062a \u0644\u0627\u062d\u0642 \u0625\u0644\u0649 \u0636\u0631\u0648\u0631\u0629 \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0642\u0637\u0627\u0639\u060c \u0648\u0630\u0644\u0643 \u0641\u064a \u0625\u0637\u0627\u0631 \u0634\u0643\u0627\u0648\u0649 \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0641\u0648\u0631\u064a \u0645\u0639 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u062f\u0641\u0639 \u0627\u0644\u062b\u0645\u0646 \u0644\u0627\u062d\u0642\u064b\u0627 \u062a\u0634\u0643\u0644 \u0648\u0633\u064a\u0644\u0629 \u0644\u0625\u062e\u0636\u0627\u0639 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0644\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0634\u0627\u0643\u0644.<\/p>\n

\u064a\u062c\u062f\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0623\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0641\u0648\u0631\u064a \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627 \u0644\u0627 \u062a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u062c\u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0627\u0644\u062a\u062c\u0627\u0631\u060c \u0628\u0644 \u062a\u062b\u064a\u0631 \u0623\u064a\u0636\u064b\u0627 \u062a\u0633\u0627\u0624\u0644\u0627\u062a \u062d\u0648\u0644 \u0623\u062e\u0644\u0627\u0642\u064a\u0627\u062a \u0647\u0630\u0647 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u062a\u0623\u062b\u064a\u0631\u0647\u0627 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646.<\/p>\n

\u062a\u062c\u0646\u0628 \u0627\u0644\u0623\u0632\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629! \u0628\u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u0642\u062f\u0645 \u0631\u062c\u0644 \u0623\u0639\u0645\u0627\u0644 \u0623\u0645\u064a\u0631\u0643\u064a \u0646\u0635\u064a\u062d\u0629 \u062d\u064a\u0648\u064a\u0629 \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u0648\u0642\u0648\u0639 \u0641\u064a \u0645\u0634\u0627\u0643\u0644 \u0645\u0627\u0644\u064a\u0629\u060c \u062d\u064a\u062b \u0627\u0643\u062a\u0634\u0641 \u0623\u0646 “\u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/strong>” \u064a\u0639\u062a\u0628\u0631 \u0623\u0645\u0631\u064b\u0627 \u0636\u0631\u0648\u0631\u064a\u064b\u0627.<\/p>\n

\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u064a\u0639\u062a\u0628\u0631 \u062c\u0632\u0621\u064b\u0627 \u0647\u0627\u0645\u064b\u0627 \u0645\u0646 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0646\u0627\u062c\u062d\u0629.<\/p>\n

\"-\"<\/p>\n

\u0648\u0625\u0644\u064a\u0643 \u0628\u0639\u0636 \u0627\u0644\u0646\u0635\u0627\u0626\u062d \u0644\u062a\u062d\u0642\u064a\u0642 \u0630\u0644\u0643 \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u062f\u0627\u0626\u0645\u0629:<\/strong><\/span><\/h3>\n

1. \u0648\u0636\u0639 \u062e\u0637\u0629 \u0645\u064a\u0632\u0627\u0646\u064a\u0629:<\/strong>
\n– \u0642\u0645 \u0628\u062a\u062d\u062f\u064a\u062f \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0634\u0647\u0631\u064a\u0629 \u062a\u0634\u0645\u0644 \u062c\u0645\u064a\u0639 \u0645\u0635\u0631\u0648\u0641\u0627\u062a\u0643 \u0648\u062f\u062e\u0644\u0643.
\n– \u0642\u0633\u0651\u0645 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0644\u0649 \u0641\u0626\u0627\u062a \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u062b\u0644 \u0627\u0644\u0625\u064a\u062c\u0627\u0631\u060c \u0627\u0644\u0637\u0639\u0627\u0645\u060c \u0627\u0644\u062a\u0631\u0641\u064a\u0647\u060c \u0648\u0627\u0644\u062a\u0648\u0641\u064a\u0631.<\/p>\n

2. \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0642\u0627\u0626\u0645\u0629:<\/strong>
\n– \u0642\u0644\u0644 \u0645\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u062d\u0631\u0635 \u0639\u0644\u0649 \u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a.
\n– \u0627\u0642\u0637\u0639 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0648\u0636\u0639\u0643 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n

3. \u0648\u0636\u0639 \u062e\u0637\u0629 \u0644\u0644\u0637\u0648\u0627\u0631\u0626:<\/strong>
\n– \u0642\u0645 \u0628\u0625\u0646\u0634\u0627\u0621 \u0635\u0646\u062f\u0648\u0642 \u0637\u0648\u0627\u0631\u0626 \u0644\u062a\u063a\u0637\u064a\u0629 \u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0645\u062a\u0648\u0642\u0639\u0629 \u062f\u0648\u0646 \u0627\u0644\u0644\u062c\u0648\u0621 \u0625\u0644\u0649 \u0627\u0644\u062f\u064a\u0648\u0646.<\/p>\n

4. \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0628\u0627\u0646\u062a\u0638\u0627\u0645:<\/strong>
\n– \u0627\u062d\u0641\u0638 \u0646\u0633\u0628\u0629 \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u062f\u062e\u0644\u0643 \u0644\u0644\u062a\u0648\u0641\u064a\u0631.
\n– \u0627\u0633\u062a\u062e\u062f\u0645 \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641 \u0645\u0627\u0644\u064a\u0629 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644.<\/p>\n

5. \u062a\u062c\u0646\u0628 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0641\u0627\u062e\u0631:<\/strong>
\n– \u062a\u062c\u0646\u0628 \u0634\u0631\u0627\u0621 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u062a\u064a \u0644\u064a\u0633 \u0644\u062f\u064a\u0643 \u062d\u0627\u062c\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0625\u0644\u064a\u0647\u0627.
\n– \u0642\u0645 \u0628\u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0645\u0644\u064a\u064b\u0627 \u0642\u0628\u0644 \u0627\u0644\u0642\u064a\u0627\u0645 \u0628\u0634\u0631\u0627\u0621 \u063a\u0627\u0644\u064d \u0648\u0644\u0643\u0646 \u063a\u064a\u0631 \u0636\u0631\u0648\u0631\u064a.<\/p>\n

6. \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0628\u062d\u0630\u0631:<\/strong>
\n– \u0627\u0633\u062a\u0634\u0631 \u062e\u0628\u064a\u0631 \u0645\u0627\u0644\u064a \u0642\u0628\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0648\u0627\u0628\u062d\u062b \u0639\u0646 \u0641\u0631\u0635 \u062a\u0646\u0627\u0633\u0628 \u0645\u0633\u062a\u0648\u0649 \u0645\u062e\u0627\u0637\u0631\u0643 \u0648\u0623\u0647\u062f\u0627\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n

7. \u062a\u0639\u0644\u0645 \u0645\u0647\u0627\u0631\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062f\u064a\u0648\u0646:<\/strong>
\n– \u0625\u0630\u0627 \u0643\u0646\u062a \u0628\u0627\u0644\u0641\u0639\u0644 \u0641\u064a \u062f\u064a\u0648\u0646\u060c \u0641\u062d\u062f\u062f \u062e\u0637\u0629 \u0644\u0633\u062f\u0627\u062f\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0646\u062a\u0638\u0645 \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u062c\u062f\u064a\u062f\u0629.<\/p>\n

8. \u0645\u0631\u0627\u062c\u0639\u0629 \u0648\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u062e\u0637\u0629:<\/strong>
\n– \u0642\u0645 \u0628\u0645\u0631\u0627\u062c\u0639\u0629 \u0645\u064a\u0632\u0627\u0646\u064a\u062a\u0643 \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u0648\u0623\u062c\u0631\u0650 \u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0638\u0631\u0648\u0641\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n

\u0628\u062a\u0646\u0641\u064a\u0630 \u0647\u0630\u0647 \u0627\u0644\u0646\u0635\u0627\u0626\u062d\u060c \u064a\u0645\u0643\u0646\u0643 \u062a\u062d\u0633\u064a\u0646 \u062a\u0646\u0638\u064a\u0645 \u0623\u0645\u0648\u0627\u0644\u0643 \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u0648\u0642\u0648\u0639 \u0641\u064a \u062f\u0648\u0627\u0645\u0629 \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0632\u0645\u0646\u0629.<\/strong><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\u062a\u062e\u0644\u0635 \u0645\u0646\u0647\u0627 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0636\u0639\u0643 \u0628\u062f\u064a\u0648\u0646 \u0644\u0644\u0623\u0628\u062f.. \u0646\u0635\u064a\u062d\u0629 \u0644\u062a\u0646\u0638\u064a\u0645 \u0623\u0645\u0648\u0627\u0644\u0643 \u0627\u0644\u062b\u0631\u0648\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0631\u063a\u0628\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0…<\/p>\n","protected":false},"author":4,"featured_media":138804,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[1741],"tags":[2628,3863,3862],"class_list":["post-137162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1741","tag-2628","tag-3863","tag-3862"],"_links":{"self":[{"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/posts\/137162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/comments?post=137162"}],"version-history":[{"count":3,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/posts\/137162\/revisions"}],"predecessor-version":[{"id":137176,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/posts\/137162\/revisions\/137176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/media\/138804"}],"wp:attachment":[{"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/media?parent=137162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/categories?post=137162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aiacademy.info\/blog\/wp-json\/wp\/v2\/tags?post=137162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}