{"id":487,"date":"2025-05-11T08:43:12","date_gmt":"2025-05-11T08:43:12","guid":{"rendered":"https:\/\/obexchange-sa.com\/?p=487"},"modified":"2025-05-21T07:48:50","modified_gmt":"2025-05-21T07:48:50","slug":"%d8%a3%d9%86%d9%88%d8%a7%d8%b9-%d8%ae%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%b5%d8%b1%d8%a7%d9%81%d8%a9","status":"publish","type":"post","link":"https:\/\/obexchange-sa.com\/en\/%d8%a3%d9%86%d9%88%d8%a7%d8%b9-%d8%ae%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d8%b5%d8%b1%d8%a7%d9%81%d8%a9\/","title":{"rendered":"\u0623\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\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"},"content":{"rendered":"<h2 data-start=\"175\" data-end=\"226\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0623\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\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<\/span><\/h2>\n<p data-start=\"175\" data-end=\"226\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0623\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 <\/span><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0639\u062f <a href=\"https:\/\/obexchange-sa.com\/en\/%d9%85%d8%a7-%d9%87%d9%8a-%d8%a7%d9%84%d8%b5%d8%b1%d8%a7%d9%81%d8%a9\/\">\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629<\/a> \u0645\u0646 \u0627\u0644\u062f\u0639\u0627\u0626\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0644\u0627\u0642\u062a\u0635\u0627\u062f \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 \u062d\u064a\u062b \u062a\u0644\u0639\u0628 \u062f\u0648\u0631\u064b\u0627 \u0645\u062d\u0648\u0631\u064a\u064b\u0627 \u0641\u064a \u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0644\u0649 \u062d\u062f \u0633\u0648\u0627\u0621. \u0645\u0639 \u062a\u0637\u0648\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0636\u0645\u0646 \u0631\u0624\u064a\u0629 2030\u060c \u062a\u0632\u0627\u064a\u062f\u062a \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0648\u062b\u0648\u0642\u0629 \u0648\u0645\u0631\u0646\u0629 \u062a\u0644\u0628\u064a \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629. \u0648\u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u0623\u0633\u0645\u0627\u0621 \u0627\u0644\u0644\u0627\u0645\u0639\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644\u060c \u062a\u0628\u0631\u0632 \u0634\u0631\u0643\u0629 <strong data-start=\"620\" data-end=\"650\">\u0639\u062b\u0645\u0627\u0646 \u0623\u062d\u0645\u062f \u0628\u0627\u0643\u0631\u0645\u0627\u0646 \u0648\u0634\u0631\u0643\u0627\u0624\u0647<\/strong> \u0643\u0625\u062d\u062f\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0635\u0631\u0627\u0641\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0628\u0645\u0647\u0646\u064a\u0629 \u0639\u0627\u0644\u064a\u0629 \u0648\u0633\u0645\u0639\u0629 \u0637\u064a\u0628\u0629.<\/span><\/p>\n<h2 class=\"\" data-start=\"741\" data-end=\"782\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0623\u0648\u0644\u0627\u064b: \u0627\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/span><\/h2>\n<p class=\"\" data-start=\"784\" data-end=\"890\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u062a\u0639\u062f\u062f \u0623\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\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\u060c \u0648\u064a\u0645\u0643\u0646 \u062a\u0635\u0646\u064a\u0641\u0647\u0627 \u0625\u0644\u0649 \u0639\u062f\u0629 \u0623\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0631\u0626\u064a\u0633\u064a\u0629:<\/span><\/p>\n<h3 class=\"\" data-start=\"1085\" data-end=\"1122\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">1. <strong data-start=\"1092\" data-end=\"1122\">\u0634\u0631\u0627\u0621 \u0648\u0628\u064a\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629<\/strong><\/span><\/h3>\n<p class=\"\" data-start=\"1123\" data-end=\"1240\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0648\u0641\u0631 \u0645\u0643\u0627\u062a\u0628 \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0634\u0631\u0627\u0621 \u0648\u0628\u064a\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629 \u0628\u0623\u0633\u0639\u0627\u0631 \u0635\u0631\u0641 \u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062e\u062f\u0645 \u0627\u0644\u0645\u0633\u0627\u0641\u0631\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u0648\u0631\u062f\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646.<\/span><\/p>\n<h3 class=\"\" data-start=\"1417\" data-end=\"1463\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">2. <strong data-start=\"1424\" data-end=\"1463\">\u062e\u062f\u0645\u0627\u062a \u0635\u0631\u0641 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0644\u0644\u0645\u0633\u0627\u0641\u0631\u064a\u0646 \u0648\u0627\u0644\u062d\u062c\u0627\u062c<\/strong><\/span><\/h3>\n<p class=\"\" data-start=\"1464\" data-end=\"1618\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0646\u0638\u0631\u064b\u0627 \u0644\u0623\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u062c\u0647\u0629 \u062f\u064a\u0646\u064a\u0629 \u0647\u0627\u0645\u0629\u060c \u0641\u0625\u0646 \u062e\u062f\u0645\u0627\u062a \u0635\u0631\u0641 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0644\u0644\u062d\u062c\u0627\u062c \u0648\u0627\u0644\u0645\u0639\u062a\u0645\u0631\u064a\u0646 \u062a\u0639\u062a\u0628\u0631 \u0645\u0646 \u0627\u0644\u0631\u0643\u0627\u0626\u0632 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0635\u0631\u0627\u0641\u0629\u060c \u0648\u062a\u0634\u0647\u062f \u0630\u0631\u0648\u062a\u0647\u0627 \u0641\u064a \u0645\u0648\u0627\u0633\u0645 \u0627\u0644\u062d\u062c \u0648\u0627\u0644\u0639\u0645\u0631\u0629.<\/span><\/p>\n<h3 class=\"\" data-start=\"1620\" data-end=\"1654\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">3. <strong data-start=\"1627\" data-end=\"1654\">\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a<\/strong><\/span><\/h3>\n<p class=\"\" data-start=\"1655\" data-end=\"1811\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0634\u0645\u0644 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u0635\u0631\u0641\u060c\u00a0 \u0648\u062a\u0628\u062f\u064a\u0644\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u062a\u060c \u0648\u062e\u062f\u0645\u0629 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0633\u062a\u064a\u0631\u0627\u062f \u0648\u0627\u0644\u062a\u0635\u062f\u064a\u0631\u060c \u0648\u0633\u062f\u0627\u062f \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629.<\/span><\/p>\n<h2 class=\"\" data-start=\"1818\" data-end=\"1887\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062b\u0627\u0646\u064a\u0627\u064b: \u0634\u0631\u0643\u0629 \u0639\u062b\u0645\u0627\u0646 \u0623\u062d\u0645\u062f \u0628\u0627\u0643\u0631\u0645\u0627\u0646 \u0648\u0634\u0631\u0643\u0627\u0624\u0647 \u2013 \u0646\u0645\u0648\u0630\u062c \u0644\u0644\u0631\u064a\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u0635\u0631\u0627\u0641\u0629<\/span><\/h2>\n<h3 class=\"\" data-start=\"1889\" data-end=\"1907\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0646\u0628\u0630\u0629 \u0639\u0646 \u0627\u0644\u0634\u0631\u0643\u0629<\/span><\/h3>\n<p class=\"\" data-start=\"1909\" data-end=\"2153\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0623\u0633\u0633\u062a \u0634\u0631\u0643\u0629 <strong data-start=\"1920\" data-end=\"1958\">\u0639\u062b\u0645\u0627\u0646 \u0623\u062d\u0645\u062f \u0628\u0627\u0643\u0631\u0645\u0627\u0646 \u0648\u0634\u0631\u0643\u0627\u0624\u0647 \u0644\u0644\u0635\u0631\u0627\u0641\u0629<\/strong> \u0645\u0646\u0630 \u0639\u062f\u0629 \u0639\u0642\u0648\u062f\u060c \u0648\u0647\u064a \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0631\u064a\u0642\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629. \u064a\u0642\u0639 \u0645\u0642\u0631\u0647\u0627 \u0641\u064a <strong data-start=\"2066\" data-end=\"2079\">\u0645\u062f\u064a\u0646\u0629 <a href=\"https:\/\/ar.wikipedia.org\/wiki\/%D8%A7%D9%84%D8%B1%D9%8A%D8%A7%D8%B6\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0631\u064a\u0627\u0636<\/a><\/strong>.<\/span><\/p>\n<h2 data-start=\"2155\" data-end=\"2170\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0631\u0624\u064a\u0629 \u0627\u0644\u0634\u0631\u0643\u0629<\/span><\/h2>\n<p class=\"\" data-start=\"2172\" data-end=\"2350\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0647\u062f\u0641 \u0627\u0644\u0634\u0631\u0643\u0629 \u0625\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0623\u0646\u0648\u0627\u0639 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0648\u0645\u0627\u0644\u064a\u0629 \u0645\u0648\u062b\u0648\u0642\u0629 \u0648\u0633\u0631\u064a\u0639\u0629 \u0648\u0622\u0645\u0646\u0629\u060c \u062a\u0644\u0628\u064a \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a\u060c \u0645\u0639 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u062a\u0627\u0645 \u0628\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 <strong data-start=\"2317\" data-end=\"2349\">\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a <\/strong>.<\/span><\/p>\n<h2 data-start=\"2352\" data-end=\"2387\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0623\u0628\u0631\u0632 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645\u0647\u0627 \u0627\u0644\u0634\u0631\u0643\u0629<\/span><\/h2>\n<h3 data-start=\"2568\" data-end=\"2600\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">1. <strong data-start=\"2576\" data-end=\"2600\">\u0635\u0631\u0641 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629<\/strong><\/span><\/h3>\n<p class=\"\" data-start=\"2601\" data-end=\"2709\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0648\u0641\u0631 \u0627\u0644\u0634\u0631\u0643\u0629 \u0623\u0633\u0639\u0627\u0631 \u0635\u0631\u0641 \u0645\u0646\u0627\u0641\u0633\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629\u060c \u0645\u0639 \u062d\u0631\u0635\u0647\u0627 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0628\u0634\u0643\u0644 \u0644\u062d\u0638\u064a \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0639\u062f\u0627\u0644\u0629.<\/span><\/p>\n<h3 data-start=\"2711\" data-end=\"2736\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">2. <strong data-start=\"2719\" data-end=\"2736\">\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a<\/strong><\/span><\/h3>\n<p class=\"\" data-start=\"2737\" data-end=\"2879\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0642\u062f\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u062d\u0644\u0648\u0644 \u0645\u0627\u0644\u064a\u0629 \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u0627\u0644\u0635\u0631\u0641\u060c \u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0639\u0644\u0649 \u062a\u0628\u0633\u064a\u0637 \u0639\u0645\u0644\u064a\u0627\u062a\u0647\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/span><\/p>\n<h4 class=\"\" data-start=\"2881\" data-end=\"2912\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">3. <strong data-start=\"2889\" data-end=\"2912\">\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u062f\u0639\u0645<\/strong><\/span><\/h4>\n<p class=\"\" data-start=\"2913\" data-end=\"3083\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0639\u062a\u0645\u062f \u0627\u0644\u0634\u0631\u0643\u0629 \u0646\u0638\u0627\u0645\u064b\u0627 \u0645\u062a\u0642\u062f\u0645\u064b\u0627 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u064a\u0634\u0645\u0644 \u0627\u0644\u0631\u062f \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641\u060c \u0648\u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0634\u062e\u0635\u064a\u060c \u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0645\u0648\u0638\u0641\u064a\u0646 \u0645\u062f\u0631\u0628\u064a\u0646 \u0639\u0644\u0649 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0646 \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u062c\u0646\u0633\u064a\u0627\u062a.<\/span><\/p>\n<h2 class=\"\" data-start=\"3090\" data-end=\"3117\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062b\u0627\u0644\u062b\u0627\u064b: \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629<\/span><\/h2>\n<p class=\"\" data-start=\"3119\" data-end=\"3352\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u062e\u0636\u0639 \u062c\u0645\u064a\u0639 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0634\u0631\u0643\u0629 \u0628\u0627\u0643\u0631\u0645\u0627\u0646 \u0648\u0634\u0631\u0643\u0627\u0624\u0647\u060c \u0644\u0631\u0642\u0627\u0628\u0629 \u0635\u0627\u0631\u0645\u0629 \u0645\u0646 <a href=\"https:\/\/www.sama.gov.sa\/ar-sa\/Pages\/default.aspx\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"3205\" data-end=\"3237\">\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a<\/strong><\/a>\u060c \u0627\u0644\u0630\u064a \u064a\u0636\u0645\u0646 \u0627\u0644\u062a\u0632\u0627\u0645\u0647\u0627 \u0628\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u062a\u0639\u0644\u064a\u0645\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628\u060c \u0648\u0636\u0645\u0627\u0646 \u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/span><\/p>\n<h2 class=\"\" data-start=\"3359\" data-end=\"3401\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0631\u0627\u0628\u0639\u0627\u064b: \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0648\u0627\u0644\u0641\u0631\u0635 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0635\u0631\u0627\u0641\u0629<\/span><\/h2>\n<h3 class=\"\" data-start=\"3403\" data-end=\"3416\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a:<\/span><\/h3>\n<ul data-start=\"3417\" data-end=\"3547\">\n<li class=\"\" data-start=\"3417\" data-end=\"3451\">\n<p class=\"\" data-start=\"3419\" data-end=\"3451\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0627\u0644\u062a\u0646\u0627\u0641\u0633 \u0627\u0644\u062d\u0627\u062f \u0628\u064a\u0646 <a href=\"https:\/\/obexchange-sa.com\/en\/%d9%83%d9%8a%d9%81-%d8%aa%d8%b9%d9%85%d9%84-%d8%b4%d8%b1%d9%83%d8%a7%d8%aa-%d8%a7%d9%84%d8%b5%d8%b1%d8%a7%d9%81%d8%a9\/\">\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629<\/a>.<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3517\" data-end=\"3547\">\n<p class=\"\" data-start=\"3519\" data-end=\"3547\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u062a\u0642\u0644\u0628\u0627\u062a \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0635\u0631\u0641 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629.<\/span><\/p>\n<\/li>\n<\/ul>\n<h3 class=\"\" data-start=\"3549\" data-end=\"3559\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0627\u0644\u0641\u0631\u0635:<\/span><\/h3>\n<ul data-start=\"3560\" data-end=\"3700\">\n<li class=\"\" data-start=\"3560\" data-end=\"3588\">\n<p class=\"\" data-start=\"3562\" data-end=\"3588\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0627\u0644\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3589\" data-end=\"3642\">\n<p class=\"\" data-start=\"3591\" data-end=\"3642\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u0628\u0646\u0648\u0643 \u062f\u0648\u0644\u064a\u0629 \u0648\u0634\u0631\u0643\u0627\u062a \u062a\u0642\u0646\u064a\u0629 \u0645\u0627\u0644\u064a\u0629 (FinTech).<\/span><\/p>\n<\/li>\n<li class=\"\" data-start=\"3643\" data-end=\"3700\">\n<p class=\"\" data-start=\"3645\" data-end=\"3700\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0635\u0631\u0641 \u0648\u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u062c\u0627\u0644\u064a\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629.<\/span><\/p>\n<\/li>\n<\/ul>\n<p><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif;\">\u0623\u0642\u0631\u0623 \u0627\u064a\u0636\u0627 :<\/span>\u00a0<a href=\"https:\/\/obexchange-sa.com\/en\/%d8%b4%d8%b1%d8%a7%d8%a1-%d8%b9%d9%85%d9%84%d8%a7%d8%aa-%d8%a3%d8%ac%d9%86%d8%a8%d9%8a%d8%a9-%d8%a8%d8%a7%d9%84%d8%b1%d9%8a%d8%a7%d8%b6-%d8%a8%d8%a3%d9%81%d8%b6%d9%84-%d8%a7%d9%84%d8%a3%d8%b3%d8%b9\/\">\u0634\u0631\u0627\u0621 \u0639\u0645\u0644\u0627\u062a \u0623\u062c\u0646\u0628\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636 \u0628\u0623\u0641\u0636\u0644 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0645\u0646 \u0634\u0631\u0643\u0629 \u0639\u062b\u0645\u0627\u0646 \u0623\u062d\u0645\u062f \u0628\u0627\u0643\u0631\u0645\u0627\u0646 \u0644\u0644\u0635\u0631\u0627\u0641\u0629<\/a><\/p>\n<h2><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0627\u0641\u0636\u0644 \u0634\u0631\u0643\u0629 \u0635\u0631\u0627\u0641\u0629 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636<\/span><\/h2>\n<p class=\"\" data-start=\"793\" data-end=\"1199\"><span style=\"font-size: 18pt; color: #000000; font-family: helvetica, arial, sans-serif;\">\u0645\u0627 \u064a\u0645\u064a\u0632 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636 \u0647\u0648 \u062a\u0646\u0648\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629\u060c \u0648\u0633\u0631\u0639\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u060c \u0648\u0648\u062c\u0648\u062f \u0627\u0644\u0634\u0631\u0643\u0629 \u0641\u064a \u0645\u0648\u0627\u0642\u0639 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636 \u060c \u0648\u0627\u0644\u0623\u062d\u064a\u0627\u0621 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629\u060c \u0648\u0627\u0644\u0645\u062c\u0645\u0639\u0627\u062a \u0627\u0644\u0633\u0643\u0646\u064a\u0629. \u0643\u0645\u0627 \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0627\u0633\u062a\u0639\u0644\u0627\u0645 \u0639\u0646 <strong data-start=\"980\" data-end=\"1014\">\u0633\u0639\u0631 \u0635\u0631\u0641 \u0627\u0644\u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636 \u0627\u0644\u0622\u0646<\/strong> \u060c \u0645\u0627 \u064a\u0633\u0627\u0639\u062f\u0643 \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0630\u0643\u064a \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062d\u0631\u0643\u0629 \u0627\u0644\u0633\u0648\u0642. \u0643\u0630\u0644\u0643\u060c \u062a\u0645\u0646\u062d\u0643 \u0628\u0639\u0636 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062e\u064a\u0627\u0631 <strong data-start=\"1130\" data-end=\"1159\">\u062a\u062a\u0628\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0644\u062d\u0638\u064a\u064b\u0627<\/strong>\u060c \u0623\u0648 \u0625\u0631\u0633\u0627\u0644 \u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0639\u0646\u062f \u0627\u0644\u0648\u0635\u0648\u0644 \u0644\u0633\u0639\u0631 \u0645\u062d\u062f\u062f.<\/span><\/p>\n<p class=\"\" data-start=\"1201\" data-end=\"1530\"><span style=\"font-size: 18pt; color: #000000; font-family: helvetica, arial, sans-serif;\">\u0648\u0644\u0623\u0646 \u0627\u0644\u0631\u064a\u0627\u0636 \u062a\u0639\u062f \u0645\u0631\u0643\u0632\u064b\u0627 \u062a\u062c\u0627\u0631\u064a\u064b\u0627 \u0648\u0633\u064a\u0627\u062d\u064a\u064b\u0627 \u0647\u0627\u0645\u064b\u0627\u060c \u0641\u0625\u0646 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u064a\u0646 \u0641\u0642\u0637\u060c \u0628\u0644 \u064a\u0634\u0645\u0644 \u0627\u0644\u0645\u0642\u064a\u0645\u064a\u0646 \u0645\u0646 \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u062c\u0646\u0633\u064a\u0627\u062a\u060c \u0645\u0645\u0646 \u064a\u0631\u0633\u0644\u0648\u0646 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0625\u0644\u0649 \u0628\u0644\u062f\u0627\u0646\u0647\u0645 \u0623\u0648 \u064a\u0633\u0627\u0641\u0631\u0648\u0646 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a. \u0648\u0644\u0647\u0630\u0627\u060c \u062a\u0633\u0639\u0649 \u0643\u0628\u0631\u0649 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0625\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0629 \u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0628\u0634\u0643\u0644 \u0627\u062d\u062a\u0631\u0627\u0641\u064a \u0648\u0633\u0647\u0644\u060c \u0645\u0639 \u0645\u0631\u0627\u0639\u0627\u0629 \u0627\u062e\u062a\u0644\u0627\u0641 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0633\u0648\u0627\u0621 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a.<\/span><\/p>\n<h2 data-start=\"2310\" data-end=\"2334\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u0631\u0627\u0641\u0629 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629<\/span><\/h2>\n<p><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0628\u062d\u062b \u0639\u0646 <strong data-start=\"274\" data-end=\"326\">\u0623\u0641\u0636\u0644 \u0634\u0631\u0643\u0629 \u0635\u0631\u0627\u0641\u0629 \u0641\u064a \u0627\u0644\u0631\u064a\u0627\u0636 \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0623\u062c\u0646\u0628\u064a\u0629<\/strong>\u060c \u0641\u0623\u0646\u062a \u0641\u064a \u0627\u0644\u0645\u0643\u0627\u0646 \u0627\u0644\u0645\u0646\u0627\u0633\u0628. \u062a\u0634\u0647\u062f \u062e\u062f\u0645\u0629 \u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a 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data-end=\"604\">\u0634\u0631\u0643\u0629 \u0639\u062b\u0645\u0627\u0646 \u0623\u062d\u0645\u062f \u0628\u0627\u0643\u0631\u0645\u0627\u0646 \u0648\u0634\u0631\u0643\u0627\u0624\u0647 \u0644\u0644\u0635\u0631\u0627\u0641\u0629<\/strong> \u062e\u062f\u0645\u0627\u062a \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0648\u0622\u0645\u0646\u0629 \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0628\u0623\u0633\u0639\u0627\u0631 \u0635\u0631\u0641 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0648\u062e\u062f\u0645\u0629 \u0639\u0645\u0644\u0627\u0621 \u0645\u062a\u0645\u064a\u0632\u0629.<\/span><\/p>\n<p class=\"\" data-start=\"3718\" data-end=\"4045\"><span style=\"font-size: 18pt; font-family: helvetica, arial, sans-serif; color: #000000;\">\u0648\u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 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