\u0646\u0628\u0630\u0629 \u0639\u0646\u0627<\/h1><\/div>\u0641\u0648\u0643\u0648\u0645<\/strong>\u060c \u0645\u0646\u0635\u062a\u0643 \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/h2><\/div>\u062a\u0628\u0633\u064a\u0637 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u062a\u0645\u062a\u0629\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u0639\u0628\u0631 \u062c\u0645\u064a\u0639 \u0627\u0644\u0648\u0633\u0627\u0626\u0637 \u0627\u0644\u0645\u064f\u062a\u0639\u062f\u062f\u0629\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0646\u0635\u0648\u0635\u064b\u0627\u060c \u0635\u0648\u0631\u064b\u0627\u060c \u0635\u0648\u062a\u064a\u0627\u062a\u060c \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u062c\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u062a\u0642\u062f\u064a\u0645 \u0630\u0644\u0643 \u0639\u0628\u0631 \u0648\u0638\u0627\u0626\u0641 \u0645\u064f\u062a\u0639\u062f\u062f\u0629\u060c \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629\u060c \u0628\u0633\u0644\u0627\u0645\u0629 \u0635\u064f\u0645\u0645\u062a \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u0645\u0624\u0633\u0633\u062a\u0643.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u062a\u0632\u0627\u0645\u0646\u0627<\/h2><\/div><\/div><\/div>01<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646<\/h3><\/div>\u064a\u0639\u0645\u0644 \u0641\u0631\u064a\u0642\u0646\u0627 \u0643\u062c\u0632\u0621 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0641\u0631\u064a\u0642\u0643\u060c \u0648\u0646\u0644\u062a\u0632\u0645 \u0628\u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u0648\u062b\u0642\u0629 \u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u064f\u0633\u0628\u0642\u064b\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u064f\u0639\u062a\u0645\u062f \u0648\u0627\u0644\u0645\u064f\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/p>\n<\/div><\/div><\/div>
02<\/p>\n<\/div><\/div><\/div><\/div>
\u062a\u0631\u0643\u064a\u0632 \u0645\u062e\u0635\u0635<\/h3><\/div>\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u062d\u064a\u062b \u0646\u0642\u0648\u0645 \u0628\u062a\u0643\u064a\u064a\u0641 \u062a\u0642\u0646\u064a\u0627\u062a\u0646\u0627 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0648\u0645\u0631\u0627\u062d\u0644 \u062a\u0637\u0648\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a.<\/p>\n<\/div><\/div><\/div>
03<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/h3><\/div>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n![\"LinkedIn\"](\"https:\/\/foqum.sa\/wp-content\/uploads\/2025\/10\/in.svg\")
<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u0641\u0648\u0643\u0648\u0645<\/strong>\u060c \u0645\u0646\u0635\u062a\u0643 \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/h2><\/div>\u062a\u0628\u0633\u064a\u0637 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u062a\u0645\u062a\u0629\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u0639\u0628\u0631 \u062c\u0645\u064a\u0639 \u0627\u0644\u0648\u0633\u0627\u0626\u0637 \u0627\u0644\u0645\u064f\u062a\u0639\u062f\u062f\u0629\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0646\u0635\u0648\u0635\u064b\u0627\u060c \u0635\u0648\u0631\u064b\u0627\u060c \u0635\u0648\u062a\u064a\u0627\u062a\u060c \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u062c\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u062a\u0642\u062f\u064a\u0645 \u0630\u0644\u0643 \u0639\u0628\u0631 \u0648\u0638\u0627\u0626\u0641 \u0645\u064f\u062a\u0639\u062f\u062f\u0629\u060c \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629\u060c \u0628\u0633\u0644\u0627\u0645\u0629 \u0635\u064f\u0645\u0645\u062a \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u0645\u0624\u0633\u0633\u062a\u0643.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u062a\u0632\u0627\u0645\u0646\u0627<\/h2><\/div><\/div><\/div>01<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646<\/h3><\/div>\u064a\u0639\u0645\u0644 \u0641\u0631\u064a\u0642\u0646\u0627 \u0643\u062c\u0632\u0621 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0641\u0631\u064a\u0642\u0643\u060c \u0648\u0646\u0644\u062a\u0632\u0645 \u0628\u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u0648\u062b\u0642\u0629 \u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u064f\u0633\u0628\u0642\u064b\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u064f\u0639\u062a\u0645\u062f \u0648\u0627\u0644\u0645\u064f\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/p>\n<\/div><\/div><\/div>
02<\/p>\n<\/div><\/div><\/div><\/div>
\u062a\u0631\u0643\u064a\u0632 \u0645\u062e\u0635\u0635<\/h3><\/div>\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u062d\u064a\u062b \u0646\u0642\u0648\u0645 \u0628\u062a\u0643\u064a\u064a\u0641 \u062a\u0642\u0646\u064a\u0627\u062a\u0646\u0627 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0648\u0645\u0631\u0627\u062d\u0644 \u062a\u0637\u0648\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a.<\/p>\n<\/div><\/div><\/div>
03<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/h3><\/div>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u062a\u0628\u0633\u064a\u0637 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u0623\u062a\u0645\u062a\u0629\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u0639\u0628\u0631 \u062c\u0645\u064a\u0639 \u0627\u0644\u0648\u0633\u0627\u0626\u0637 \u0627\u0644\u0645\u064f\u062a\u0639\u062f\u062f\u0629\u060c \u0633\u0648\u0627\u0621 \u0643\u0627\u0646\u062a \u0646\u0635\u0648\u0635\u064b\u0627\u060c \u0635\u0648\u0631\u064b\u0627\u060c \u0635\u0648\u062a\u064a\u0627\u062a\u060c \u0623\u0648 \u0628\u064a\u0627\u0646\u0627\u062a \u062c\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u062a\u0642\u062f\u064a\u0645 \u0630\u0644\u0643 \u0639\u0628\u0631 \u0648\u0638\u0627\u0626\u0641 \u0645\u064f\u062a\u0639\u062f\u062f\u0629\u060c \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629\u060c \u0628\u0633\u0644\u0627\u0645\u0629 \u0635\u064f\u0645\u0645\u062a \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u0645\u0624\u0633\u0633\u062a\u0643.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u062a\u0632\u0627\u0645\u0646\u0627<\/h2><\/div><\/div><\/div>01<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646<\/h3><\/div>\u064a\u0639\u0645\u0644 \u0641\u0631\u064a\u0642\u0646\u0627 \u0643\u062c\u0632\u0621 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0641\u0631\u064a\u0642\u0643\u060c \u0648\u0646\u0644\u062a\u0632\u0645 \u0628\u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u0648\u062b\u0642\u0629 \u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u064f\u0633\u0628\u0642\u064b\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u064f\u0639\u062a\u0645\u062f \u0648\u0627\u0644\u0645\u064f\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/p>\n<\/div><\/div><\/div>
02<\/p>\n<\/div><\/div><\/div><\/div>
\u062a\u0631\u0643\u064a\u0632 \u0645\u062e\u0635\u0635<\/h3><\/div>\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u062d\u064a\u062b \u0646\u0642\u0648\u0645 \u0628\u062a\u0643\u064a\u064a\u0641 \u062a\u0642\u0646\u064a\u0627\u062a\u0646\u0627 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0648\u0645\u0631\u0627\u062d\u0644 \u062a\u0637\u0648\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a.<\/p>\n<\/div><\/div><\/div>
03<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/h3><\/div>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
01<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u062a\u0639\u0627\u0648\u0646<\/h3><\/div>\u064a\u0639\u0645\u0644 \u0641\u0631\u064a\u0642\u0646\u0627 \u0643\u062c\u0632\u0621 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0641\u0631\u064a\u0642\u0643\u060c \u0648\u0646\u0644\u062a\u0632\u0645 \u0628\u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u0648\u062b\u0642\u0629 \u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u064f\u0633\u0628\u0642\u064b\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u064f\u0639\u062a\u0645\u062f \u0648\u0627\u0644\u0645\u064f\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/p>\n<\/div><\/div><\/div>
02<\/p>\n<\/div><\/div><\/div><\/div>
\u062a\u0631\u0643\u064a\u0632 \u0645\u062e\u0635\u0635<\/h3><\/div>\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u062d\u064a\u062b \u0646\u0642\u0648\u0645 \u0628\u062a\u0643\u064a\u064a\u0641 \u062a\u0642\u0646\u064a\u0627\u062a\u0646\u0627 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0648\u0645\u0631\u0627\u062d\u0644 \u062a\u0637\u0648\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a.<\/p>\n<\/div><\/div><\/div>
03<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/h3><\/div>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u064a\u0639\u0645\u0644 \u0641\u0631\u064a\u0642\u0646\u0627 \u0643\u062c\u0632\u0621 \u0644\u0627 \u064a\u062a\u062c\u0632\u0623 \u0645\u0646 \u0641\u0631\u064a\u0642\u0643\u060c \u0648\u0646\u0644\u062a\u0632\u0645 \u0628\u062a\u0637\u0648\u064a\u0631 \u062d\u0644\u0648\u0644 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0648\u0645\u0648\u062b\u0642\u0629 \u0636\u0645\u0646 \u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u064f\u0633\u0628\u0642\u064b\u0627 \u0648\u0641\u0642\u064b\u0627 \u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u064f\u0639\u062a\u0645\u062f \u0648\u0627\u0644\u0645\u064f\u062a\u0641\u0642 \u0639\u0644\u064a\u0647.<\/p>\n<\/div><\/div><\/div>
02<\/p>\n<\/div><\/div><\/div><\/div>
\u062a\u0631\u0643\u064a\u0632 \u0645\u062e\u0635\u0635<\/h3><\/div>\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u062d\u064a\u062b \u0646\u0642\u0648\u0645 \u0628\u062a\u0643\u064a\u064a\u0641 \u062a\u0642\u0646\u064a\u0627\u062a\u0646\u0627 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0648\u0645\u0631\u0627\u062d\u0644 \u062a\u0637\u0648\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a.<\/p>\n<\/div><\/div><\/div>
03<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/h3><\/div>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u062a\u062d\u062f\u064a\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u062d\u064a\u062b \u0646\u0642\u0648\u0645 \u0628\u062a\u0643\u064a\u064a\u0641 \u062a\u0642\u0646\u064a\u0627\u062a\u0646\u0627 \u0644\u062a\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643 \u0627\u0644\u0623\u0648\u0644\u064a\u0629 \u0648\u0645\u0631\u0627\u062d\u0644 \u062a\u0637\u0648\u0631\u0643 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a.<\/p>\n<\/div><\/div><\/div>
03<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0648\u0633\u0639 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629<\/h3><\/div>\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u062c\u0645\u0639 \u0628\u064a\u0646 \u0645\u0643\u062a\u0628\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0645\u064f\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 \u0627\u0644\u0633\u0631\u064a\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0628\u0643\u0641\u0627\u0621\u0629 \u0639\u0627\u0644\u064a\u0629\u060c \u064a\u062c\u0639\u0644\u0646\u0627 \u0646\u062a\u0645\u062a\u0639 \u0628\u0645\u0631\u0648\u0646\u0629 \u0644\u0627\u0632\u0645\u0629 \u0644\u062a\u0637\u0648\u064a\u0631 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u064a\u0632\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0643\u0644\u064a\u064b\u0627 \u0641\u064a \u0641\u062a\u0631\u0629 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0627\u0628\u064a\u0639\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0648\u062a\u062d\u0642\u064a\u0642 \u0642\u064a\u0645\u0629 \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0623\u0639\u0645\u0627\u0644.<\/p>\n<\/div><\/div><\/div>
04<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0623\u0645\u0646 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062c\u0648\u062f\u0629<\/h3><\/div>\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 ISO 27001 \u0645\u0646\u0630 \u0639\u0627\u0645 2022\u060c \u0645\u0639 \u0627\u0644\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0634\u0647\u0627\u062f\u0629 ISO 9001 \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0648\u0637\u0646\u064a (ENS) \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2026.<\/p>\n<\/div><\/div><\/div>
05<\/p>\n<\/div><\/div><\/div><\/div>
\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0633\u0644\u0633<\/h3><\/div>\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u062d\u0644\u0648\u0644\u0646\u0627 \u0645\u064f\u062a\u0643\u0627\u0645\u0644\u0629 \u0628\u0633\u0644\u0627\u0633\u0629 \u0645\u0639 \u0645\u0646\u0638\u0648\u0645\u062a\u0643\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0642\u0627\u0626\u0645\u0629\u060c \u0648\u062a\u0645\u0646\u062d \u0627\u0644\u062d\u0631\u064a\u0629 \u0641\u064a \u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0645\u0631\u0646 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u062a\u064a \u062a\u064f\u0646\u0627\u0633\u0628\u0643\u0645\u060c \u0633\u0648\u0627\u0621 \u0627\u0639\u062a\u0645\u062f\u062a \u0639\u0644\u0649 \u0627\u0644\u0646\u0634\u0631 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062e\u0648\u0627\u062f\u0645 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u0641\u064a\u0629\u060c \u0645\u0627 \u064a\u0636\u0645\u0646 \u0623\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0645\u0644\u060c \u0627\u0644\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0641\u0642 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643\u0645 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0627\u0644\u0641\u0631\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/h2><\/div><\/div><\/div>\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u0645\u0647\u0646\u062f\u0633 \u0639\u0627\u0626\u0636 \u0627\u0644\u0645\u0647\u0627\u0646 <\/h3>\u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0631\u0626\u064a\u0633 \u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u062f\u0628\u0644\u0648\u0645 \u0627\u0644\u062a\u0623\u0633\u064a\u0633 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0643\u0633\u0641\u0648\u0631\u062f\u060c \u0648\u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0648\u0628 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0623\u0646\u062c\u0644\u064a\u0627 \u0631\u0648\u0633\u0643\u064a\u0646 \u0643\u0627\u0645\u0628\u0631\u064a\u062f\u062c\u060c \u0648\u0645\u064f\u0639\u062a\u0645\u062f \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a (CISM). <\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 12 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0642\u0627\u062f \u062e\u0644\u0627\u0644\u0647\u0627 \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0646\u0641\u064a\u0630 \u0648 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c<\/div><\/div><\/div><\/div><\/div>\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u062e\u0627\u0643\u0648\u0628\u0648 \u0628\u0627\u0628\u0644\u0648\u0633 \u0645\u0646\u063a\u0633<\/h3>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0627\u062a \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0642 (ESIC)<\/div>\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062e\u0632\u064a\u0646\u0629 \u0644\u062f\u0649 \u0628\u0646\u0643\u064a\u0652 Banco Santander \u0648Banco Urquijo.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\n
<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0625\u0645\u064a\u0644\u064a\u0648 \u0623\u0644\u0628\u0627 \u0644\u064a\u0646\u064a\u0631\u0648<\/h3>\u0627\u0644\u0645\u062f\u064a\u0631 \u0627\u0644\u0641\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0643\u0645\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM)<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0646\u0638\u0645 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0628 \u0627\u0644\u0622\u0644\u064a (CIS) \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0645\u0644\u0643 \u0633\u0639\u0648\u062f\u060c \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0646\u0627\u0646\u0648 \u062f\u062c\u0631\u064a \u0641\u064a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0628\u0624\u064a\u0629 \u0645\u0646 \u0645\u0646\u0635\u0629 \u064a\u0648\u062f\u0627\u0633\u064a\u062a\u064a (Udacity).<\/p>\n<\/div>\n
\u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0641\u064a \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u062c\u0627\u0645\u0639\u0629 \u0644\u064a\u064a\u062c. \u0634\u0647\u0627\u062f\u0627\u062a \u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0630\u0643\u064a\u0629. <\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0627\u0644\u0623\u0646\u062b\u0631\u0648\u0628\u0648\u0644\u0648\u062c\u064a\u0627\u060c \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0625\u0628\u0633\u062a\u0645\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0639\u0644\u0648\u0645 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0645\u0642\u062f\u0645\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u0643\u0644\u064a\u0629 \u0643\u064a\u0646\u062c\u0632 \u0643\u0648\u0644\u064a\u062f\u062c \u0644\u0646\u062f\u0646\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 PMI \u2013 CAPM\u060c \u0639\u0645\u0644\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u0649 \u0634\u0631\u0643\u0629 \u0645\u0633\u0643 \u0628\u064a \u0633\u064a \u062c\u064a \u0644\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a\u060c \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629. <\/div>\n\u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div> \u0645\u062d\u0643\u0645 \u062f\u0648\u0644\u064a \u0645\u0639\u062a\u0645\u062f \u0645\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u062e\u0644\u064a\u062c\u064a<\/div>\n\u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u062f\u0628\u0644\u0648\u0645 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0645\u0646 \u0645\u0639\u0647\u062f \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0639\u0636\u0648\u0629 \u0641\u064a \u0646\u0627\u062f\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0628\u0627\u0644\u063a\u0631\u0641\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u060c \u0648\u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0642 \u0627\u0644\u0631\u0642\u0645\u064a.<\/div>\u062e\u0628\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0648\u0628\u0646\u0627\u0621 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0636\u0648\u0631 \u0627\u0644\u0631\u0642\u0645\u064a.
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 (UAM) \u0648\u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u062d\u064a\u0648\u064a\u0629.<\/div>\n\u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646)
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u0625\u062c\u0627\u0632\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0627\u0631\u0644\u0648\u0633 \u0627\u0644\u062b\u0627\u0644\u062b (UC3M) \u0648\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u0639\u0647\u062f \u062f\u0631\u0627\u0633\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (IEB).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>\u062d\u0627\u0635\u0644 \u0639\u0644\u0649 \u0634\u0647\u0627\u062f\u0629 \u0627\u0644\u062f\u0643\u062a\u0648\u0631\u0627\u0647 \u0628\u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0634\u0631\u0641 \u0641\u064a \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0645\u0628\u0644\u0648\u062a\u0646\u0633\u064a \u0628\u0645\u062f\u0631\u064a\u062f (UCM) \u0648\u0647\u0646\u062f\u0633\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0645\u062f\u0631\u064a\u062f \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (UPM).<\/div>\n\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639.
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n<\/div>\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>\u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n\u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div>+90%<\/div><\/div><\/div><\/div>\u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div>
+7%<\/div><\/div><\/div><\/div>\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0647\u064a\u0643\u0644\u0629 \u0627\u0644\u062a\u0632\u0627\u0645\u0627\u062a \u0627\u0644\u062f\u064a\u0648\u0646 \u0627\u0644\u0645\u0643\u0641\u0648\u0644\u0629 (CDOs) \u0644\u062f\u0649 Morgan Stanley. <\/div>\n \u062e\u0628\u0631\u0629 \u062a\u0642\u0646\u064a\u0629 \u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0627\u0644\u062d\u0644\u0648\u0644\u060c \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0642\u062f\u0631\u0627\u062a \u0642\u064a\u0627\u062f\u064a\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u062d\u062a\u0631\u0627\u0641\u064a\u0629 \u0644\u062f\u0648\u0631\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0628\u064a\u0639 \u0648\u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631.<\/p>\n \u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 Indra. \u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0643\u062e\u0628\u064a\u0631\u0629 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0644\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0645\u062b\u0644 OHL-Ingesan \u0648Adecco Outsourcing \u0648Ur\u00eda Men\u00e9ndez \u0648Verescence. \u0623\u062d\u062f \u0645\u0624\u0633\u0633\u064a \u0634\u0631\u0643\u0629 op2aim.<\/p>\n \u0645\u0647\u0646\u064a\u0629 \u0637\u0645\u0648\u062d\u0629 \u0648\u0630\u0627\u062a \u062f\u0627\u0641\u0639 \u0630\u0627\u062a\u064a\u060c \u062a\u064f\u0631\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0648\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0646\u062c\u0627\u062d \u0627\u0644\u0641\u0631\u064a\u0642. \u0639\u0636\u0648 \u0641\u064a \u0639\u062f\u062f \u0645\u0646 \u0647\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u064a\u0645\u060c \u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0647 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0639\u062f\u0627\u062f \u0627\u0644\u0627\u0646\u0638\u0645\u0647 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0647<\/p>\n<\/div><\/div><\/div><\/div><\/div> \u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u062f\u0627\u0631\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0644\u062f\u0649 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u064a\u0628\u0633\u0627 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629<\/p>\n<\/div><\/div><\/div><\/div><\/div> \u0623\u0633\u062a\u0627\u0630 \u0645\u062d\u0627\u0636\u0631 \u0641\u064a \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0639\u0635\u0628\u064a\u0629 (\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u062c\u0627\u0645\u0639\u0629 \u0643\u0648\u0628\u0646\u0647\u0627\u063a\u0646) \u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0648\u0627\u0644\u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0648\u0623\u0633\u0648\u0627\u0642 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0644\u062f\u0649 Banco Santander \u0648Deloitte \u0648Ahorro Corporaci\u00f3n. \u062e\u0628\u0631\u0629 \u0645\u0647\u0646\u064a\u0629 \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0646\u0648\u0648\u064a\u0629 \u0648\u0641\u064a\u0644\u064a\u0628\u0633 \u0648\u0627\u0644\u0645\u0643\u062a\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0644\u0628\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0639. \u0627\u0644\u0647\u062f\u0641:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0634\u0627\u0645\u0644 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0625\u0646\u062a\u0627\u062c \u0648\u062a\u0631\u0628\u064a\u0629 \u0633\u0645\u0643 \u0627\u0644\u0642\u0627\u0631\u0648\u0635 (Sea Bass) \u0648\u062a\u0633\u0648\u064a\u0642\u0647 \u0648\u0628\u064a\u0639\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062f\u0648\u0644\u064a\u0629.<\/p>\n \u0627\u0644\u0646\u062a\u0627\u0626\u062c:<\/strong><\/p>\n<\/div> \u062e\u0627\u0631\u0637\u0629 \u0637\u0631\u064a\u0642 \u0644\u0640 12 \u0645\u0634\u0631\u0648\u0639\u064b\u0627 \u0641\u064a 4 \u0645\u062c\u0627\u0644\u0627\u062a<\/p>\n<\/div><\/div><\/div> \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062a\u0648\u0641\u064a\u0631 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0645\u062d\u0645\u062f \u0627\u0644\u062e\u0644\u064a\u0641\u0647<\/h3>\u0645\u0633\u062a\u0634\u0627\u0631 \u062a\u0642\u0646\u064a<\/div><\/div>
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u062f\u0631\u064a\u0627\u0646 \u0625\u0646\u0633\u0627\u0648\u0633\u062a\u064a \u0643\u0631\u064a\u0633\u0628\u0648<\/h3>\u0645\u062f\u064a\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/div><\/div>
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u062c\u0646\u064a\u0641\u0631 \u0645\u0627\u0643\u062f\u064a\u0631\u0645\u0648\u062a<\/h3>\u0631\u0626\u064a\u0633 \u0642\u0633\u0645 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a<\/div><\/div>
<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0628\u0633\u0645\u0629 \u0628\u0646 \u0634\u0639\u064a\u0644<\/h3>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639<\/div><\/div>
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0639\u0628\u062f\u0627\u0644\u0631\u062d\u0645\u0646 \u0627\u0644\u063a\u0644\u064a\u0633\u064a<\/h3>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/div><\/div>
\u0637\u0644\u0627\u0644 \u0627\u0644\u0634\u0645\u0631\u064a<\/h3>\u0645\u062f\u064a\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0628\u0634\u0631\u064a\u0629<\/div><\/div>
\u0631\u064a\u0645\u0627 \u0627\u0644\u0639\u0644\u064a<\/h3>\u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/div><\/div>
\n<\/a><\/i><\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0628\u0627\u0628\u0644\u0648 \u063a\u0648\u0646\u062b\u0627\u0644\u064a\u062b \u062f\u064a \u0628\u0631\u0627\u062f\u0648<\/h3>\u0643\u0628\u064a\u0631 \u0645\u0633\u0624\u0648\u0644\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/div><\/div>
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0623\u0646\u0637\u0648\u0646\u064a\u0648 \u0647\u064a\u0631\u0646\u0627\u0646\u062f\u064a\u062b \u062a\u0634\u0627\u0648<\/h3>\u0645\u062f\u064a\u0631 \u0645\u0627\u0644\u064a<\/div><\/div>
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div>\u0627\u0644\u062f\u0643\u062a\u0648\u0631 \u0645\u0627\u0631\u0643\u0648 \u062f\u064a\u0644 \u0631\u0627\u064a \u062b\u0627\u0628\u0627\u062a\u064a\u0631\u0648<\/h3>\u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u062a\u0637\u0648\u064a\u0631<\/div><\/div>
\n<\/a><\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\u0628\u0639\u0636 \u0645\u0646 \u0646\u062c\u0627\u062d\u0627\u062a\u0646\u0627<\/strong><\/h2><\/div><\/div><\/div><\/div><\/div>\n
\u0627\u0643\u062a\u0634\u0627\u0641<\/h3><\/div>