00487naa#a2200181#i#450# EN\\bibl\74509 20241115010652.5 2413-046X 20171225b2017####ek#y0engy0150####ca ENG RU Journal article Moscow Electronic science 2017 0 с. Journal article local Банковское дело. Банки. 336.71 ENG Bakaeva Malika Magomedovna e-integral.ru