00482naa#a2200181#i#450# EN\\bibl\74576 20241123214128.6 2413-046X 20180625b2018####ek#y0engy0150####ca ENG RU Journal article Moscow Electronic science 2018 0 с. Journal article local Банковское дело. Банки. 336.71 ENG Mihaylov Aleksey Vital'evich qje.su