HOÀN THIỆN PHƯƠNG PHÁP XẾP HẠNG TÍN NHIỆM KHÁCH HÀNG DOANH NGHIỆP TẠI NGÂN...

8/2/2019 HON THIN PHNG PHP XP HNG TN NHIM KHCH HNG DOANH NGHIP TI NGN HNG U T V PHT TRIN VIT NAM

1/98

Y}abh 1

Jlb c j{abpab39Ghdalj"fod

M HLO IF P O YO

Y]BH L CF ELBC Y YW"CFD

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

YC\ BHF YC[

COB YCLB WCBH WCW SW CBH

YB BCLD ECFC CBH IOABC BHCLW

YL BHB CBH [ Y P WCY Y]LB PLY BAD

FC[\B BHBC > ELBC Y YL FCBC$BHB CBHD V > 07"61"1=

J[B PB YCF V ELBC Y

BHL CBH IB ECOA CF

YV"Y]D YC S[B CBH

YW"C FC DLBC$ BD =778


2/98

Y}abh =


DF JF

Bl i{bh Y}abh

Iabc df ff fc ply yy

Jl d {

FCBH L

SW CBH YB BCLD IOABC BHCLW PA\ PB BHB CBH1"1" ]L ]O YB IBH$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$71

1"1"1" Ecl bld }l }o yb ibh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$71

1"1"=" Ff bh{|b bcb ib b }l }o yb ibh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$71

1"1"="1" Ff bh{|b bcb ecfc q{ab$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$71

a" Io dl y}bh elbc y ecbh b bc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$71

m" ]l }o io dl y}bh wcw j$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$76

f" V ycabc y}a* eld y}a hld vy fa BCBB fca cl{ q{$$$$$$$$$$$$$$$$$79

1"1"="=" ]l }o io bh{|b bcb fc q{ab$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$79

a" ]l }o y wca ecfc cbh pa|$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$79

m" ]l }o y wca bhb cbh fco pa|$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$7;

1"="SW CBH YB BCLD IOABC BHCLW PA\ PB$$$$$$$$$$$$$$$$$$$$$$$$78

1"="1" bc bhca sw cbh yb bcld$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$78

1"="="V fb ycly wcl SCYB y}obh coy bh yb ibh bhb cbh$$$$$$$$$$$$$731"="="1"SCYB ioabc bhclw pa| pb bhb cbh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$73

1"="="="V fb ycly wcl SCYB y}obh coy bh yb ibh bhb cbh$$$$$$$$$$$$73

a"Io |{ f{ cb fc }l }o yb ibh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$73

m"Io |{ f{ ja fcb ecfc cbh fco pa|$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$7 YCF Y]BH SCYB IOABC BHCLW YL BHB

CBH [ Y P WCY Y]LB PLY BAD

="1"HLL YCL[ BC [ Y P WCY Y]LB PLY BAD$$$$$$$$$$$$$$$$$$$$$1

Fcbh 1

Sw cbh yb bcld ioabc bhclw pa| pb bhb cbh

Fcbh =

Ycf y}bh sw cbh yb bcld ioabc bhclw yl Bhb cbh { y p

Wcy y}lb Ply Bad

Fcbh 6

Elb bhc cob yclb wcbh wcw sw cbh yb bcld ioabc bhclw yl

Bhb cbh { y p Wcy y}lb Ply Bad"

FCBH L


10/98

Y}abh 17


SW CBH YB BCLD IOABC BHCLW PA\ PB BHB CBH

1"1" ]L ]O YB IBH

1"1"1" Ecl bld }l }o yb ibh"

Y}obh f fc yc y}bh* coy bh fa ff y fcf yb ibh fbh bc ff ioabcbhclw elbc ioabc y}obh jbc pf ecf j{b yld b bcl{ }l }o" Ff }l }o bhb cbh

ycbh dl ycbh hw wcl y}obh coy bh bhb cbh j }l }o yb ibh* }l }o cl

ol* }l }o ycabc ecob* }l }o jl v{y* }l }o yc y}bh* }l }o bh{b pb"

]l }o yb ibh ycbh fcld y y}bh fao bcy y}obh coy bh fa bhb cbh

ycbh dl* fcbc p p| ecl ecfc cbh pa| hw wcl }l }o ib b ecbh y} f b

fco bhb cbh yc v bc cbh bha| b bh{b pb coy bh fa bhb cbh" Yl Ply

Bad* ycko Bhb cbh Bc bf Ply Bad yc b s{ fcld ecobh 6+ ybh i b*

bcbh ycko ff fc{|b hla bf bhol* ff y fcf q{f y yc b s{ fcld yl 19$1;+

ybh i b* yf j hw 6 jb ycko bc hl fa Bhb cbh Bc bf"

]l }o yb ibh f yc f cl{ bc va{ >

$ B{ cl{ yb ibh j v bh y}f hl y} clb yl l j| hl y} ybh jal pl

df fc dobh d{b hl y} ybh jal jb cb hl y} clb yl yc }l }o yb ibh j clb

ybh hl y} ybh jal yc{ p bc cb cof mbh hl y} clb yl"$ ]l }o yb ibh f yc f cl{ j sf v{y ecfc cbh ecbh ycf clb |

ff bhca p yl fcbc f fad ey"

$ Ylw fb il hf l{ eclb cf yc }l }o yb ibh f cl{ j v s{y

clb bcbh mlb f ecbh mbc ycbh y}obh q{ab c yb ibh* h| c{ q{ s{ yl coy

bh bhb cbh bc dy dy* ycly cl p yl vb* yc{ bcw fa bhb cbh* p b ca|

wc vb bhb cbh"

Bhb cbh bc bf a }a ecl bld p }l }o yb ibh yl Q{|y bc v9


11/98

Y}abh 11


ycf clb ff bhca p yl fcbc fad ey" Ca| bl ffc ecf }l }o yb ibh j }l }o

bhb cbh ecbh yc{ cl f b ecl b cb"

1"1"=" Ff bh{|b bcb ib b }l }o yb ibh"

1"1"="1" Ff bh{|b bcb ecfc q{ab"a" Io dl y}bh elbc y ecbh b bc"

Dl y}bh elbc ioabc mlb bh bcabc* ec i ob"

Coy bh fa bhb cbh ycbh dl hb jlb pl coy bh fa ff ioabc

bhclw" Ecl dl y}bh elbc y ecbh b bc jd bc cbh b coy bh fa ff

ioabc bhclw yc c q{ yy |{ j v bc cbh b coy bh fa ff bhb cbh

ycbh dl"

Bb elbc y Ply Bad fcbh ya pb fb j yc{f q{ bcl{ po vb s{y bbh

bhclw p fbh bhclw wcf p bbh bhclw #b{l y}bh* fc mlb ycf wcd p bh{|b

jl{,* i{ yc* da| hla fbh* | j bcbh bhbc* jbc pf pb }y bc| fd pl }l

}o ycl yly p hl f yc hll* bb i m yb ycbh ecl yc y}bh yc hll mlb bh

s{"

Ycf y y}obh ycl hlab q{a fco yc| bhbc iy da| y}obh dy v bd hb |

hw ecbh y ec ecb p m ecbh fc cb bhfc jd bc cbh y}f ylw b coybh elbc ioabc fa ff ioabc bhclw bl }lbh p fa ff bhb cbh fco pa| bl

fc{bh" Bhbc yc| vb fbh hw bcl{ jao ao p ff p elb mb wc hl pa q{a"

Ecbh fc s{y ec{* ff dy cbh bcw ec{ fbh i m yb ycbh ecbh ed"

Dy cbh vy ycw fbh m bc cbh jb fa hl ycw yc hll" Plf ybh hl wcl ycw

jd fco dy v ioabc bhclw vb s{y ycw y}obh bf wcl bhbh vb s{y io fcl wc

hl ycbc }y fao y}obh ecl ecbh yl{ yc f vb wcd"

Y}bc q{b j p d fb |{ ed"Q{b j p d fa bc bf f yc clb plf bc bf yo dl y}bh yc{b

jl* ycbh ycobh fco coy bh vb s{y elbc ioabc ycbh q{a j{y wcw* ff q{| bc*

bc cbh fco ff ioabc bhclw y}obh coy bh { y* c y} yd eld yc y}bh

yl{ yc vb wcd

Bb elbc y yc y}bh yy |{ v ib b fbc y}abc* ff bc elbc ioabc v yd

eld bhbc bo f jl bcy { y p v }l m bcbh bhbc ecbh kd jl jl bc{b

fco c p io f v fc{|b ifc pb y bhbc b| q{a bhbc ecf p | fbh j dy


12/98

Y}abh 1=


clb ybh ecfc q{ab" B{ bc bf bc cbh ecbh yy f ec bbh s| }a y}bh

cw dy bhbc* dy jbc pf bo f yw y}{bh q{ bcl{ pb { y ib b i

yca* jbh wc"

Ycf y yl Ply Bad y}obh ycl hlab q{a fco yc| bhbc da bh j dy p ilb cbc" Io bc cbh ecbh yy ib b plf { y ff bc d| bh y}b jab*

}y bcl{ ff bc d| coy bh ed cl{ q{ io vb wcd vb s{y }a hl ycbc fao*

fbh bhc ja fcb { y ecbh wc cw* ycl{ q{| cofc pbh bh{|b jl{ vb s{y*

{ y bcl{ jd vb wcd { { }a jb cb bc{ f{" Ey q{ j bcl{ ioabc bhclw

da bh jd po ybc y}bh wc vb* ecbh f ec bbh y} b pa| bhb cbh" Fc

}lbh bhbc da bh* c ycbh bhb cbh ycbh dl wcl hbc fc{ yb ycy y}b

;"777 y bh"

B s| ibh f mb fbh abh j dy pb bcf bcl clb ba|* bhb vfc bc

bf abh b ff ioabc bhclw s| jw b 17"777 y bh" Ff ioabc bhclw s| jw

pl bh{b pb fc v c{ bc m* coy bh fc |{ mbh pb pa| bhb cbh* b fbh

bcl{* fbh j{ yc jl wcl y} fbh jb* cl{ q{ fbh ycw" Ycf y f bcbh fbh

y}bc cob ycbc bcl{ bd bcbh pb fca f ycabc yob l{ b| jd fco ff

ioabc bhclw s| jw fbh ycd ec ecb* bcl{ ioabc bhclw jd po ybc y}bh

ecbh fb ec bbh y} b bhb cbh"

C ycbh ycbh ylb q{b j |{ ed"

Clb ba| Ply Bad fca f dy f fc fbh m ycbh ylb | p ioabc

bhclw p bhb cbh" Y}{bh yd ycbh ylb yb ibh bhb cbh #FLF, fa BCBB coy

bh dy ycw blb p y f bcbh ey q{ mf { }y bh ecfc j y}obh plf

f{bh fw ycbh ylb p ybc cbc coy bh yb ibh* bcbh fca wcl j f q{ab bc

df yb bcld ioabc bhclw dy ffc f jw p cl{ q{ bb ycbh ylb f{bh fw fbb l{* ycl{ fw bcy* fca w bh f | |{ f{ y}a f{ ycbh ylb fa ff

bhb cbh ycbh dl fbh j ycfc ycf fco c ycbh bhb cbh y}obh plf d

}bh p eld voy yb ibh fco bb elbc y y}obh l{ elb ycl{ dy c ycbh ycbh ylb

ybh sbh" B{ ff bhb cbh f hbh fc| ycko ycbc yfc* d }bh yb ibh y}obh

l{ elb dl y}bh ycbh ylb ecbh fb sbh* ycl{ fcbc sf p ecfc cbh yc bh{|

f b s{ fco c ycbh bhb cbh f yc hla ybh"

m" ]l }o io dl y}bh wcw j"


13/98

Y}abh 16


F fc fa bc bf"

Bc bf y}obh q{ y}bc ycf clb l{ yly elbc y p d* y}obh ybh ycl e

mab cbc bcl{ q{| bc* fcbc vfc { l fco ff ioabc bhclw bc bf* bcl{

y}bh cw ff ioabc bhclw wcl fco pa| ycko fc bc cof fco pa| ycko e cofcfa bc bf" Y}f | f ycl e ff ioabc bhclw bc bf pl ybc cbc yl

fcbc ecbh dbc* ecbh f yl vb d mo bcbh pb f pa| pl v ylb }y jb yl

ff bhb cbh ycbh dl bc bf dlb j f wcbh b f f q{ab fc q{b wc

i{|y" Bcl{ i b ed cl{ q{ bcbh bhb cbh ycbh dl wcl fco pa| ycko fc

bc cof ycko e cofc"

Fcbc f fc fa bc bf dabh ybc f q{|b* { l yo }a }l }o fco ff

bhb cbh ycbh dl" Ycf y fco yc| fcbc vfc fco pa| ycko e cofc fa bc

bf* fco pa| ycko fc bc fa fcbc wc wcy vlbc }y bcl{ b s{"

Pb mb q{| wcd wcw j{y fb bcl{ cb fc"

Y}obh bcbh bd hb |* Q{f cl* | mab ycbh p q{f cl* Fcbc wc*

Bhb cbh Bc bf #BCBB, p ff f q{ab jlb q{ab mab cbc bcl{ j{y* pb mb

il j{y cbh ib ycl cbc j{y jlb q{ab b coy bh yb ibh bhb cbh" Y{|

bclb* j{y p ff pb mb f vobh plf y}lb ecal po coy bh bhb cbh fb hwwcl bcl{ pbh df my fw bc dy v pb mb p plf fbh fc yc{ cl b" Bcbh

pb mb b| { f q{| bc> Y}obh bcbh y}bh cw ecfc cbh ecbh y} f b*

BCYD f q{|b s j yl vb d mo b pa|" Y}b ycf y* ff BCYD ecbh jd

f l{ b| p bhb cbh j dy y fcf elbc y* ecbh wcl j f q{ab q{|b jf bc

bf* ecbh f fcf bbh fbh fc m{f ecfc cbh mb hlao yl vb d mo fco

bhb cbh s j fbh bcl{ ff q{| bc ecf ib b ybc y}bh BCYD ecbh

yc hll q{|y f b yb bh* yl vb yb bh"

Coy bh ed cl{ q{ fa ff f q{ab q{b j bc bf"

Coy bh ed cl{ q{ fa dy v f q{ab q{b j bc bf f mly y}obh s j

yl vb d mo fbh yo }a }l }o fco ff bhb cbh ycbh dl" Ycko q{| bc fa

wcw j{y* bhb cbh f yc |{ f{ ff f q{ab bc bf wcl cw s j yl vb d

mo bc | mab bcb ib a wcbh* fbh ab fbh fc fc v c{ yl vb hlao yl vb

wcy dl bcbh ecl ycf clb bhb cbh }y ec f f v cw yf fa ff f q{ab

b|" Df i y}obh cw bh yc fcw yl vb f q{| bc bhb cbh f q{|b fcb ffc


14/98

Y}abh 19


s j yl vb d mo ycko q{| bc yl cw bh yb ibh* cw bh yc fcw yl vb*

bcbh ecl ecfc cbh pl wcd cw bh* b{ ecbh f v bh fa fc v c{ yl

vb bhb cbh hb bc ecbh yc ycf clb f"

Df fc fa bhb cbh ecl ecl elb ecfc cbh j yc{ cl b* fc ecbhwcl j dy mb b q{|y bc }bh ecfc cbh wcl y} b fco bhb cbh fa ya b"

Bcl{ y}bh cw va{ ecl yo y{|b b m{f ecfc cbh wcl wcy dl yl vb y}

b* a }a ycl cbc b bcbh ecl ycf clb pb hw ecbh y ec ecb"

f"V ycabc y}a* eld y}a* hld vy fa Bhb cbh Bc bf fca cl{ q{

Mb fbc bcbh f hbh p ey q{ y f* coy bh ycabc y}a bhb cbh p

d mo ab yob c ycbh fca f v fl yclb fb mb p fcy jbh" Bbh jf fb m

ycabc y}a* hld vy fca w bh f |{ f{* ycd fc dy v bhclw p elbc ioabc

p fbh bhc dl Ycabc y}a bhb cbh fb fca ycko ew" Bl i{bh p wcbh wcw

ycabc y}a* hld vy jf c{* fcd f l dl" Pal y} eld yob fca f wcy c{|

p c ycbh ycbh ylb fca f y fcf dy ffc c{ cl{" Ycabc y}a yl fc pb j

wcbh wcw fc |{* ec bbh eld voy yob m yc y}bh ylb y p hld vy }l }o

fb |{" Ycabc y}a bhb cbh fb coy bh dy ffc yc bh ycko el{ s j p plf

wcy vlbc* y f ec bbh bhb fcb p wcbh bha }l }o p pl wcd" D cbc y

fcf fa ycabc y}a bhb cbh fb bcl{ my fw" Io p| d f bcbh val wcd fa ff

BCYD ecbh f ycabc y}a BCBB fbc mo* f mlb wcw bhb fcb y {* b

ecl c{ q{ bbh b s| }a }l dl fab yclw" Cbh joy ff val wcd p fco pa|* mo

jbc yb ibh dy v BCYD ib b bcbh }l }o }y jb* f bh{| f k ia v ab

yob fa f c ycbh j }a f yc f bhb fcb bha| y { b{ m d| ycabc y}a

wcy clb p s j vd cb"

1"1"="=" ]l }o yb ibh io bh{|b bcb fc q{aba" ]l }o y wca ecfc cbh pa|

Ybc cbc yl fcbc |{* coy bh ed cl{ q{"

Q{| d yl vb* bh{b pb fc v c{ bc m* y j b vo pl bh{b pb y f fao

j f ld fc{bh fa c{ cy ff ioabc bhclw Ply Bad" Dy ioabc bhclw f ybc

cbc yl fcbc |{ ed* coy bh ed cl{ q{ v jd fco pb pa| fa bhb cbh }l

}o jb cb"

Ycbh ylb yl fcbc ycl{ dlbc mfc"


15/98

Y}abh 1;


Ycl q{kb hcl fcw | * fcbc sf* } }bh ff v vfc e yob pb fca f

ff ioabc bhclw y{b yc bhcld fcbc p y}{bh ycf" Io p|* v vfc e yob d ff

ioabc bhclw f{bh fw fco bhb cbh bcl{ ecl fc dabh ybc fcy cbc ycf* ecbh

wcb bc ycf fcy ybc cbc elbc ioabc" Ecl fb m yb ibh wcb yfc ybc cbc ylfcbc fa ioabc bhclw ia y}b v jl{ io ff ioabc bhclw f{bh fw* ycbh ycl{

ybc ycf y p sf ycf"

Ec bbh q{b j elbc ioabc |{ ed

Ecl ff ioabc bhclw pa| ylb bhb cbh d }bh q{| d elbc ioabc* a wcb

j yw y}{bh pb { y po yl vb py fcy fc y ioabc bhclw bo dbc ib l dl

f{bh ffc q{b j* { y fco m d| hld vy elbc ioabc* yl fcbc* e yob ycko bh

fc{b df" Q{| d elbc ioabc q{ yo vo pl y i{| q{b j j bh{|b bcb ib b v

wc vb fa ff wcbh b elbc ioabc | ec ycl d j }a b wcl ycbc fbh y}b ycf

y"

V ibh pb pa| val df fc"

a v ff ioabc bhclw ecl pa| pb bhb cbh { f ff wcbh b elbc ioabc

cof i b { y f yc* ec ycl" Y{| bclb fbh f dy v ioabc bhclw v ibh pb

pa| val df fc* f ja o bhb cbh fcld oy yl vb* b{ fb m bhb cbhycl{ e bbh ycd bc* ycbh bh pl ecfc cbh }y ylb bhb cbh yc ycly cl

s| }a l pl bhb cbh v }y jb"

Ecbh f yclb fc y} b pa| bhb cbh"

Dy v ioabc bhclw jl ycl{ yclb fc y}obh plf y} b pa| bhb cbh* ecbh

ycf clb bh pl ff fad ey yca yc{b pl bhb cbh* ecl wcbh b elbc ioabc*

i b { y ecbh cl{ q{ ff ioabc bhclw b| f ybc y} cob s j yl vb d

mo* ecbh yw y}{bh ff bh{b ecf y} b jd fco bhb cbh wcl yb }y bcl{ ycl

hlab p fcl wc"

m" ]l }o y wca bhb cbh fco pa|

Pl wcd ff q{| bc fa bc bf"

d mo ab yob y}obh coy bh yb ibh fa bhb cbh* hld ycl{ }l }o*

mo d fco c ycbh yl fcbc bhb cbh coy bh p wcy y}lb b bc* Fcbc wc*

Bhb cbh Bc bf a }a cbh joy ff q{| bc my m{f ff y fcf yb ibh

wcl ycf clb" P fco pa| Bhb cbh bc bf mab cbh Q{| fc fco pa| f mab


16/98

Y}abh 10


cbc ed ycko Q{|y bc 10=8/=771/Q$BCBB bh| 61 ycbh 1= bd =771* p d

mo ylb pa| Fcbc wc mab cbc Bhc bc 183/1


17/98

Y}abh 18


Dy v fb m bhb cbh cb fc y}bc fc{|b db bhclw p"

Q{| y}bc bhclw p* q{| bc fa wcw j{y i f fcy fc p | b { l

fcbh ba bcbh { wcl io fob bhl ycf clb* b{ fob bhl ycl{ y}bc bhclw

p fc{|b db* f ybc jd y}l ff q{| bc fa wcw j{y yc ec bbh }l }o s| }ayb ycy ecbh yc jbh cy"

Dy v p b elbc y jb y}obh ycl hlab pa q{a f jlb q{ab b bhb cbh

ycbh dl fco yc| { f v ylw ya| fa dy v bcb plb yb ibh bhb cbh* bcb

plb bhb cbh fbh pl ecfc cbh jd hl c v pa|* ca| bbh hl y} yl vb yc fcw

cof yl vb fd f fao cb vo pl hl y} ycf y }y ylb bhb cbh"

o f fa fb m j dy y}obh ff |{ y yl q{ab y}bh hll q{|y pb

cb fc }l }o yb ibh" Dy fb m ed p bbh jf f yc ml ibh ycd* bcbh dy

fb m yca ca p o f d jl hll p dy bhclw p yc ycy p fbh bh{| cld ecl

f m y} y}obh fbh yf yb ibh"

Jbh jo y}obh fbh yf eld y}a bl m ff bhb cbh"

Eld y}a b m j plf m wcb eld y}a bl m fa fcbc bhb cbh ycbh dl

eld y}a jl c v yb ibh d mo plf fw yb ibh ycf clb bh fc fa

bhb cbh* bh q{| bc fa bc bf" Ecl wcy clb }a bcbh val vy* bcbh pb ecbh wc cw v mo fo fco fw f ycd q{|b p elb bhc fcbc va fco wc cw"

Eld y}a bl m f ld dbc cb ycabc y}a Bhb cbh Bc bf ybc ycl hlab

p b bcabc fcbh* ew ycl bha| ecl pa wcy vlbc pb p ybc v{ vy fa bhl

eld y}a plb* io plf eld y}a f ycf clb ycbh s{|b fbh pl fbh plf elbc

ioabc" Eld y}a b m v{ vy* ycbh s{|b fbh cb fc f }l }o yb ibh s| }a"

Yd jl* }l }o yb ibh yl ff bhb cbh ycbh dl f yc wcy vlbc io }y bcl{

bh{|b bcb* f yc j ff bh{|b bcb fc q{ab cof bh{|b bcb ecfc q{ab"Bh{|b bcb ecfc q{ab yc{f |{ y mb bhol* | j ff bh{|b bcb d mb ycb

bhb cbh ycbh dl }y ec jol m* bhf jl bh{|b bcb fc q{ab yc{f p bl yl

fa bhb cbh* ff bhb cbh ycbh dl f yc a }a bcl{ hll wcw cb fc ff

bh{|b bcb b|"

cb fc }l }o y}obh coy bh yb ibh* ff bhb cbh ycbh dl f yc a

}a bcl{ hll wcw* hll wcw y}{|b ycbh ycbh f v ibh wc mlb j yfc mly

hla fbh yf wcb yfc ycd bc p m wcb ycf clb fco pa| d mo ybc ecfc


18/98

Y}abh 13


q{ab y}obh coy bh yb ibh* bbh fao bbh jf fa l bh fb m bhb cbh* ybh

fbh eld y}a hld vy va{ ecl fco pa|" Clb ba| ff bhb cbh ycbh dl ycbh

v ibh ey q{ sw cbh yb bcld ecfc cbh pa| pb jd f v q{|y bc fco

pa|* bc hl }l }o ecob pa|* ycf clb fcbc vfc ecfc cbh" | j hll wcwbbh fao fcy jbh* cb fc }l }o yb ibh pa ecfc q{ab pa ecoa cf"

1"=" SW CBH YB BCLD IOABC BHCLW PA\ PB

1"="1" bc bhca sw cbh yb bcld

Sw cbh yb bcld #f}kily }aylbhv, j yc{y bh my bh{b y ylbh Abc #f}kily >

v yb bcld* }aylbhv > v sw cbh, io Nocb Dooi| a }a po bd 1

$ Ycko Mocb* Nocb A ply y}obh f{b wcb yfc }l }o y}b ff yc y}bh abh

fc{|b l yc sw cbh yb bcld j v bc hl p ec bbh dy bc wcy cbc fyc ycabc yob bh cb f hf p jl l pl dy jol fcbh ecob y}obh v{y ycl hlab

yb yl fa b"

$ Ycko bc bhca fa fbh y| fcbh ecob Dk}}ljj J|bfc yc sw cbh yb

bcld j bc hl clb ycl fa fbh y| sw cbh yb bcld p fcy jbh yb ibh fa

dy bc wcy cbc fcbh ecob b* p dy ecob b bcy bc" Bl ecf l* j ffc

bc hl clb ycl p fcy jbh yb ibh abh f skd sy y}obh cob fbc cbh p

ybh jal* wcb bc v vb vbh p ec bbh bc wcy cbc f yc ycabc yob hf p jl


19/98

Y}abh 1 vbh jf p hld vy

ecfc cbh pa|* ycly jw dl q{ab c ecfc cbh j{ il* q{| bc ff cb df yb

ibh* yl vb yc fcw"Df i p| ecbh dy bhb cbh bo* ecbh dy y fcf bof yc i ob cy f bcbh }l }o f yc s| }a"

Coy bh elbc ioabc ylb y bh| fbh ec ecb* }l }o fa b bh| dy jb*

l cl wcl f bcbh mlb wcw wcbh bha* cb fc ff }l }o mo d ab yob fco

yob c ycbh bhb cbh ycbh dl" Y}obh s{ yc sw cbh yb bcld j dy e

yc{y bh| fbh f fc }bh }l y}obh coy bh yb ibh bhb cbh" P ey q{ sw

cbh yb bcld fco yc| wcb bo df }l }o fa ecfc cbh pa|* ey q{ sw

cbh fbh ycw yc }l }o fco pa| fbh jb fcbc p p| cb fc }l }o ff bhb cbh

ycbh dl ycbh ja fcb bcbh ecfc cbh f ey q{ sw cbh dy df bo

"

m"Io |{ f{ ja fcb ecfc cbh fco pa|"

J fcb ecfc cbh fco pa| j{b j dy q{|y bc q{ab y}bh y}obh coy bh

yb ibh fa bhb cbh" Ecl a }a q{|y bc ja fcb ecbh wc cw f yc ib b

}l }o }y jb io ecfc cbh ecbh y} f b" Ia po f v bo bhb cbh q{|y

bc fco pa| ca| y fcl fco pa|? Ecl skd sy q{|y bc fco pa| bhb cbh ycbh

fb f po yl vb d mo* wcbh b vb s{y elbc ioabc* ybc cbc yl fcbc* ec

bbh y} b Y{| bclb ecl f c ycbh sw cbh yb bcld* bhb cbh f yc fb

f po ey q{ sw cbh yb bcld ja fcb ecfc cbh y q{ab c" Fc bcbh

ecfc cbh f ey q{ sw cbh y dy df }l }o bo bhb cbh dl skd sy fco

pa|"

f" c y} wcb jol b p y}fc i wcbh }l }o"Ycko q{| bc fa bhb cbh bc bf Ply Bad yl Q{|y bc v

9


22/98

Y}abh ==


#1, Ff f v wcw j jlb q{ab b ycbc jw p bhbc bhc elbc ioabc fa

ecfc cbh5

#=, Ff fc yl{ elbc y ybh cw jlb q{ab b ybc cbc elbc ioabc yl fcbc* yl

vb* ec bbh ycf clb bhca p yl fcbc ycko fad ey5#6, [| yb l pl y fcf yb ibh hlao ifc y}f |5

#9, Ff yl{ fc bc hl ecfc cbh fcl yly* f yc* f c ycbh #bc hl |{ y

bhbc bhc a wcbh, y}b f v sw cbh f yc l pl ecfc cbh"

Dl bd y fcf yb ibh wcl bc hl jl c ycbh sw cbh yb ibh bl m p

fcbc vfc i wcbh }l }o fco wc cw pl ybc cbc ycf y p ff q{| bc fa wcw

j{y" B f wcb ycbc ff bcd bc va{ >

#1, Bcd 1 #B yl{ fc{b, mao hd > Ff ecob b f y fcf ibh bc

hl j f ec bbh yc{ cl | f b hf p jl bh cb"

#=, Bcd = #B fb fc , mao hd > Ff ecob b f y fcf yb ibh bc

hl j f ec bbh yc{ cl | f b hf p jl bcbh f i{ cl{ ecfc cbh v{|

hld ec bbh y} b"

#6, Bcd 6 #B il yl{ fc{b, mao hd > Ff ecob b f y fcf yb ibh

bc hl j ecbh f ec bbh yc{ cl b hf p jl ecl b cb" Ff ecob b b|

f y fcf yb ibh bc hl j f ec bbh yb ycy dy wcb b hf p jl"

#9, Bcd 9 #B bhcl bh, mao hd > Ff ecob b f y fcf yb ibh bc

hl j ec bbh yb ycy fao"

#;, Bcd ; #B f ec bbh dy pb, mao hd > Ff ecob b f y fcf yb

ibh bc hl j ecbh fb ec bbh yc{ cl* dy pb"

i"S| ibh fcbc vfc ecfc cbh"

Fcbc vfc ecfc cbh fa bhb cbh v f w ibh fco ybh bcd ecfccbh ia y}b ey q{ sw cbh" Fcbc vfc ecfc cbh mao hd >

$ Fcbc vfc fw yb ibh >

Y| yc{f po yc cbh sw cbh fa ioabc bhclw d bhb cbh f yc f{bh

fw fco ecfc cbh bcbh vb wcd yb ibh ecf bca{" Bcbh ecfc cbh f yc

cbh yb bcld fao v f bhb cbh f{bh fw ecbh hll cb ff vb wcd yb ibh

bc fco pa| bhb cb ycko cb df* fco pa| y}{bh p il cb

$ Fcbc vfc jl v{y >


23/98

Y}abh =6


Fb f po df sw cbh ecfc cbh* bhb cbh v w ibh ff df jl v{y

ecf bca{" Bcbh ecfc cbh f yc cbh sw cbh fao v f bcbh df jl v{y {

l cb vo pl bcbh ecfc cbh f yc cbh sw cbh ycw"

$ Fcbc vfc yl vb d mo ylb pa| >Fb f po ey q{ sw cbh yb bcld* bhb cbh v a }a ff fcbc vfc d

mo ylb pa| ecf bca{ bc ecbh fb yl vb d mo* d mo mbh yl vb cbc ycbc

y pb pa|* d mo mbh yl vb fa ecfc cbh pa| cof fa mb yc ma"

$ Fcbc vfc ff jol wc >

Bcbh ecfc cbh f df }l }o ycw v f bhb cbh w ibh ff jol wc

ycw cb vo pl ff ecfc cbh f }l }o fao cb"

1"="6 Pal y} fa sw cbh yb bcld"

1"="6"1" l pl bhb cbh ycbh dl"

F v ja fcb ecfc cbh fco pa|"

Ycbh q{a ey q{ sw cbh yb bcld ecfc cbh* bhb cbh v bc hl f

df yb bcld fa ybh ecfc cbh pa| pb* sf bc f df }l }o ecl f{bh

fw ecob pa|* ec bbh y} b pa|" Ia po ey q{ sw cbh yb bcld bhb cbh v

q{|y bc fco pa| ca| y fcl fco pa| d mo ybc ecfc q{ab* ecoa cf" S| ibh fcbc vfc ecfc cbh"

Dl bcd ecfc cbh bhb cbh v f bcbh ffc bh v ecf bca{ pa bcd

yc{ cy ecfc cbh pa d mo q{b j }l }o* ycbh q{a ey q{ sw cbh yb bcld

ecfc cbh* bhb cbh v wcb fcla ecfc cbh ycbc bcbh bcd ia y}b df }l

}o" Bcbh ecfc cbh f yb bcld fao* df }l }o ycw v f cbh bcl{ fcbc

vfc { l cb vo pl bcbh ecfc cbh f df }l }o fao cb" Fcbc vfc ecfc

cbh mao hd fcbc vfc p f fc yb ibh* fcbc vfc p jl v{y pa| pb* ff jol wc

S| ibh iabc df yb ibh"

Ia p ey q{ sw cbh yb bcld bhb cbh v bc hl f df }l }o

fa ybh ioabc bhclw* ybh jbc pf coy bh elbc ioabc fa ecfc cbh y d

s| ibh iabc df yb ibh wc cw"

Wcb jol b p q{b j b"


24/98

Y}abh =9


Clb ba| wcb jb ff bhb cbh ycbh dl ycf clb plf wcb jol b p y}fc

i wcbh }l }o ycko l{ 0 Q{|y bc v 9

$ Ff bc { y v ibh ey q{ sw cbh yb bcld ycf clb fclb jf {

y vao fco }l }o ycw bcy bcbh ey q{ y f bc dobh d{b5

$ Ff y fcf l pa|* fb c{| bh pb v ibh ey q{ sw cbh yb bcld

yo bld ylb pl bc { y* y ycf clb f fclb jf c{| bh pb pl fcl wc

ycw* c{| bh jbh pb bc dobh d{b5

$ Ycbh q{a sw cbh yb bcld* ff y fcf ecf v ibh ey q{ sw cbh yb

bcld q{bh m cbc bc fa y fcf dbc* f{bh fw ycbh ylb fco ff l yf* yo

bld ylb fa yc y}bh"

1"="6"6" l pl ioabc bhclw f sw cbh"

$ bc hl df yb bcld fa yc y}bh l pl mb ycb ioabc bhclw"

SCYB io dy y fcf f jw ycf clb* ey q{ b| f yc wcb bc df yb

bcld fa yc y}bh l pl ioabc bhclw* ey q{ SCYB fao ca| ycw fco yc| df yb bcld fa yc y}bh fao ca| ycw l pl ioabc bhclw"

$ Yo bld ylb l pl bc { y* bhl fco pa| ybh ec bbh c{| bh pb"

Ey q{ sw cbh fco mly df }l }o ecl fco ioabc bhclw pa| ca| { y po

ioabc bhclw* ey q{ SCYB fbh fao fco yc| }l }o ycw* bc { y v |b yd cb

ecl { y po ioabc bhclw"

$ Ff ioabc bhclw ycbh q{a ey q{ sw cbh yb bcld q{bh m cbc bc

fa ioabc bhclw dbc"


25/98

Y}abh =;


Fbh m ey q{ SCYB fbh j dy ffc q{bh m cbc bc fa ioabc

bhclw* fbh m fco yc y}bh ybc cbc coy bh p dlbc mfc ff ycbh ylb"

1"6" BH[\B YF P FF FC YL[ SCYB IOABC BHCLW

1"6"1" Bh{|b yf sw cbh yb bcldSw cbh yb bcld }a l y { yc e =7 pl df yl{ f mb j i ob ec

bbh p b p i ob hl y} cw bh yl bcbh ycl ld f ec bbh p b" Plf

wcb yfc ia y}b ff bh{|b yf f mb va{ >

Bh{|b yf 1 > Wcb yfc ff |{ y bc ybc p bc jbh"

Ff fc yl{ jlb q{ab b sw cbh hd >

#1, Ff i jl{ bc jbh > J bcbh q{ab vy f o jbh mbh v* ff i

jl{ f j| y}b ff mo fo yl fcbc" P i bc bcbh fc yl{ jl bc{b* fcl wc y}

jl pa|* pb j{ bh"

#=, Ff i jl{ bc ybc > j bcbh q{ab vy ecbh o jbh f mbh v"

Y}obh yw i jl{ bc ybc dl q{ab vy v p fc yc{f p dy el{ jol bo " P i

bc ybc cbc fbc y}abc* s{ cbh yc y}bh* p yc elbc ioabc fa fbh y|* v a

ibh co coy bh p ff j{y j* q{| bc"

Bh{|b yf = > Plf wcb yfc f ylb cbc mbh wcbh wcw y}b $ s{bh*

f bhca j wcb yfc y ff |{ y p d bc cbh b fbh y| b ff |{ y fa mb

ycb fbh y| ycko y}bc y va{>

#1, Wcb yfc }l }o dabh ybc p d p s{ cbh fa q{f hla* bhbc bc yf

ybh y}bh elbc y fa q{f hla* v b bc p fcbc y}* fcbc vfc yl fcbc* v d

fa yc y}bh 5

#=, Wcb yfc }l }o coy bh elbc ioabc bc ybc cbc fbc y}abc* s{ cbh yc

y}bh* p yc elbc ioabc fa fbh y|* v a ibh co coy bh p ff j{y j q{| bc5#6, Wcb yfc }l }o yl fcbc mao hd cbh joy fc yl{ wc yc{f po ybh

bhbc bhc* ey cw vo vbc hla }l }o yl fcbc p }l }o elbc ioabc* skd sy jlbc

coy yl fcbc fbh bc fcbc vfc yl fcbc5

#9, Wcb yfc cbh wcy y}lb fa fbh y| bc fcy jbh mab q{b j p fclb

jf elbc ioabc5

#;, Wcb yfc ybc y}bh wcw j fa ioabc bhclw"

Bh{|b yf 6 > S| ibh ycabh ld ff fc yl{ b hlb* i cl{* i vo vbc>


26/98

Y}abh =0


Ff fc yl{ f fco ld* va{ ybh cw jl p wcb bc q{a e cl{ sw

cbh"

1"6"=" Ff fc yl{ ycbh ibh sw cbh cbh yb bcld ioabc bhclw"

sw cbh yb bcld ioabc bhclw* ycbh ycbh hd cal bcd fc yl{ va{ >1"6"="1"Ff fc yl{ yl fcbc"

| j ff fc yl{ bc jbh* f j| y}f ylw cof ey q{ ybc yob ia y}b

ff mo fo yl fcbc bc mbh ybh ey yl vb* mo fo ey q{ coy bh elbc ioabc*

mbh j{ fc{|b ylb y fa ioabc bhclw"

a"Ff y v ec bbh ycabc yob"

% Ec bbh ycabc yob ybh q{y"

% Ec bbh ycabc yob b bhb cb"

% Ec bbh ycabc yob bcabc"

% Ec bbh ycabc yob b"

% Ec bbh ycabc yob jl pa|"

m"Ff fc v wcb bc cl{ v{y v ibh pb vb s{y elbc ioabc"

% Pbh q{a| pb j{ bh"

% Pbh q{a| yob m yl vb"

% Pbh q{a| cbh yb eco"

% Pbh q{a| ff ecob wcl yc{

f" Ff y v wcb bc ey f{ yl fcbc"

% Y v y yl y}"

% Y v b

i"Ff y v wcb bc ec bbh vlbc jl"

% Y v{y jl bc{b ioabc yc{"%Y v{y jl bc{b fa yl vb #]OA,"

% Y v{y jl bc{b y}b pb fc v c{ #]OK,"

1"6"="=" Ff fc yl{ wcl yl fcbc"

| j ff fc yl{ bc ybc* bh{b fa ff fc yl{ b| f j| ecbh wcl fc

ia y}b ff mo fo yl fcbc fa ioabc bhclw* ff ycbh ylb b| f yc{ ycw y

bcl{ bh{b f mb y}obh p mb bhol ioabc bhclw" sf bc ff fc yl{ b| dy

ffc fcbc sf l cl bhl sw cbh wcl f y}bc * ad cl{ p jbc pf bcy bc"


27/98

Y}abh =8


a"Jbc pf coy bh elbc ioabc"

Jbc pf coy bh elbc ioabc wcb bc y}lb pbh wcy y}lb fa bhbc* fa vb

wcd d ioabc bhclw abc coy bh" Bcbh jbc pf abh wcy y}lb" f v ybh

y}bh fao yc df yb bcld v fao cb vo pl bcbh jbc pf* bcbh bhbc abhv{| ycol"

m" [| yb y}obh q{ab c pl ff y fcf yb ibh"

Fc yl{ b| fco mly ioabc bhclw y}obh q{ab c pl ff y fcf yb ibh f y}

b bh cb* ycf clb | ff fad ey ca| ecbh" Ecl ioabc bhclw j{b y} b

| p bh cb fco yc| ioabc bhclw f yb bcld pl ff y fcf yb ibh* v

ibh pb f cl{ q{"

f" Ec bbh y} b y j{ fc{|b ylb y"

Fc yl{ b| fco mly ec bbh y} b hf y}{bh il cb y}obh ybh jal" Ybc yob

fc yl{ b| ia po bh{b yc{ bcw i elb y wcbh b vb s{y elbc ioabc* i b

{ y" I b { y* wcbh b vb s{y elbc ioabc f cl{ q{ fao yc ec bbh y}

b y j{ fc{|b ylb y v jb"

i" Y}bc q{b j fa jbc o ioabc bhclw"

Y}bc q{b j yc clb elbc bhcld fc{|b db* y}bc cf pb* ec bbh

jbc o l{ cbc* ybc bbh bh* bc| mb y}obh coy bh elbc ioabc | j |{

y }y q{ab y}bh y}obh q{b j ioabc bhclw" Dy ioabc bhclw f mab jbc o f

bbh jf* f fc{|b db fao v yo f bld ylb y}obh q{ab c pl bhb cbh"

k" Ff fc yl{ ecf"

Ioabc bhclw fbh fc j dy fc yc y}obh coy bh elbc ioabc* fc{ v yf

bh ml }y bcl{ ff |{ y y mb bhol bc fcbc vfc fa bc bf* bc f{bh fw*bhl yl{ ibh* vb wcd yca| yc* v wc yc{f po l{ elb y bclb* bcbh

ioabc bhclw wc yc{f po mb bhol bcl{ yc df yb bcld v ycw cb vo pl

bcbh ioabc bhclw f y v wc yc{f cb"

1"9" V JF SCYB Y]B YC HLL P ML CF ELBC BHCLD FCO

PLY BAD

1"9"1" V jf sw cbh yb bcld y}b yc hll"

1"9"1"1" Sw cbh yb bcld yl D"


28/98

Y}abh =3


Yl D clb f cal bc df yb bcld bl ylbh bcy p fbh j{ l bcy yc

hll* j Vyabia}i & Woo}v p Dooi|v" Bhol cal y fcf y}b* bd 1


29/98

Y}abh = Cl{ q{* ab yob* wcy y}lb mb pbh p cl bcw q{f y"

="1"1"="F f{ y fcf"

="1"=" Ybc cbc coy bh"

="1"="1" Ybc cbc yl fcbc p ey q{ coy bh elbc ioabc"

b p > Y bh

VYY Fc yl{ Bd

CL V FCBCCKAI O@@LFK

CL BH Q[B Y]* YBH HLD F*FF CL BH* FF WCBH MAB

ECL FBH Y\ ECL [ Y ECL B P

V BHCLWECL BHB CBHECL

JLB IOABC

FBH Y\FCO YC[ YL

FCBC C BL#MLIP JKAVLBH"FO,

FBH Y\FCO YC[ YL

FCBC = YW"CFD#MLIP JKAVLBH"FO"BO=,

FBH Y\ FCBH

ECOB #MVF,Y} v fcbc yl C BlFcl bcbc yl YW"CFD

FBH Y\ Q[B JB P ECAL YCF

YL VB #MADF,Y} v fcbc yl C BlFcl bcbc yl YW"CFD

BHB CBH [ YP WCY Y]LB

PLY BAD #MLIP,Y} v fcbc yl C BlPb wcbh l ilb yl

YW"CFD

V HLAO

IFC

FCL

BCBC

FW 1

MB YC[ LBHOL Y

Y][BH YD OYO #MYF,

Y][BH YDFBH BHCYCBH YLB

#MLYF,

MB YC[ LBHOL Y

WCBHHLAO IFC

WCBHHLAO IFC

Q[YLY ELD

Q[YLY ELD

BHB CBH PLI W[MJLF #PLI W[MJLF

MABE,Cl v fcbcV hlao ifc yl C BlFcl bcbc yl YW"CFDFcl bcbc yl BbhFcl bcbc yl Cl WcbhFcl bcbc yl Mbc Ibh

FY\ F WCBFC[\B DFC YLFCBC Q[F HLAY} v yl C Bl

FY\ F WCB [Y C YBH EYC[Y YW"CFDY} v yl YW"CFD

FY\ F WCB YCLYM M[ LBY} v yl C Bl

FY\ F WCB PBCVB VBH CLBCY} v yl Mbc bc

BHB CBH YD FWBC C BL

Y} v yl C BlBHB CBH YD FWWCY Y]LB BCYW"CFDY} v yl YW"CFD

BHB CBH YD FWBBH YCB L Y} v yl bh Bal

Q[ YB IBH BCBIB Y][BH BHY} v yl C Bl

BHB CBH JO $PLY BAD

Y} v fcbc yl PlbhFcbFcl bcbc yl C BlFcl bcbc yl Fcd Wa Vf

Fcl bcbc yl YW"CFD

JLB IOABC MOCLD PLY F #QMK,Y} v fcbc yl C BlFcl bcbc yl YW"CFD

FY\ JLB IOABCYCW BCY&WYPB

Y} v fcbc yl C Bl


35/98

Y}abh 6;


=771 =77= =776 =779 =77; =770

1 Ybh yl vb ;


36/98

Y}abh 60


$ Mo fo ycbh blb bd =77;5 Mb fo mfc5

$ Mo fo cl bhc hld f yl C Bl ycbh 71/=778"

Yf ybh y}bh yb ibh mbc q{b dl bd ec fao #ecobh =7+,* y j b

q{ cb df ycw* y j b s{ ecbh fao* y j fco pa| f yl vb d mo bh| fbhfcld y y}bh jb y}obh ybh i b l{ b| fco yc| coy bh yb ibh fa MLIP f

df ybh y}bh yy* fcy jbh yb ibh d mo"

Bd =771 y j fco pa| bhol q{f ioabc fcld y y}bh }y ycw #fca b 3+

y}obh ybh i b, yc b =770 y y}bh i b bhol q{f ioabc fcld b ;3+ l{

b| fco yc| bc cbh fa MLIP j d }bh fco pa| fco pa| ff l ybh bhol

q{f ioabc* wc cw pl s{ cbh wcy y}lb fa bb elbc y"

="=" YBC CBC SW CBH YB BCLD YL PLY BAD"

Sw cbh yb bcld y j{ ecbh fb sa j y}b yc hll" C{ cy ff bf

wcy y}lb p y}obh ec{ pf bh Bad { f ff y fcf coy bh y}obh jbc pf

b|" Y{| bclb Ply Bad* SCYB pb fb }y dl d p coy bh b| fc fc dl

mf ecl {"

Yl Ply Bad f ff y fcf ycf clb SCYB j Y}{bh yd Ycbh ylb Yb ibh

fa Bhb cbh Bc bf* ff ioabc bhclw elbc ioabc ycbh ylb yb bcld* ff bhb

cbh ycbh dl"

="="1" Y}{bh yd Ycbh ylb Yb ibh Bhb cbh Bc bf #FLF,"

wcf p f{bh fw ycbh ylb fco ff bhb cbh ycbh dl p ecfc cbh pa|

pb* Bhb cbh Bc bf Ply Bad ycbc jw Y}{bh yd Ycbh ylb Yb ibh #FLF>

Ply yy y F}kily Lb`o}daylob Fkbyk}," Y}obh bcbh bd { ylb FLF fc f{bh fw fco

ff y fcf yb ibh ycbh ylb ecfc cbh p v y fcf yb ibh q{ab c* i b yl ff

y fcf yb ibh p bcbh ycbh ylb b| ecbh | p ecbh fw bcy fco bb bhca fa ff ycbh ylb b| wcf p fco coy bh wcbh bha }l }o yb ibh ecbh

fao" Clb ba| ycbh ylb io FLF f{bh fw | cb* mao hd ycbh ylb wcb yfc yl

fcbc* v bhb cbh q{ab c* i b* ybc y}bh b wcb bo w bh f dy wcb

|{ f{ fa ff y fcf yb ibh"

Plf sw cbh yb bcld ecfc cbh fa FLF yl Ply Bad y}obh ycl hlab pa

q{a f yc fcla ycbc ff hlal ob ycko ycl hlab bc va{ >


37/98

Y}abh 68


$ Bh| =


38/98

Y}abh 63


Ycl hlab q{a ff y fcf yb ibh bc hl bh yd q{ab y}bh fa ycbh ylb

yb ibh y}obh plf ab yob c ycbh" Dy v y fcf yb ibh a po q{| y}bc yb

ibh plf y}lb ecal ycbh ylb yb ibh l pl ybh ecob fw yb ibh* hw wcb

hld ycl{ }l }o y}obh coy bh yb ibh"="="=" Ioabc bhclw elbc ioabc ycbh ylb yb bcld"

Bhol y}{bh yd ycbh ylb yb ibh fa Bhb cbh Bc bf p c ycbh sw

cbh yb bcld bl m fa ff bhb cbh ycbh dl ycf clb plf bc hl yb

bcld fa ff ecfc cbh pa| pb* clb ba| Ply Bad fc dl f cal ioabc bhclw

coy bh y}obh jbc pf f{bh fw ycbh ylb yb bcld j Fbh y| Ycbh ylb Yb bcld

p Sw cbh Ioabc bhclw #ply yy j F&P,* f yfc }a y Fbh y| hll wcw Ply

Bad bd =779 p Y}{bh yd bc hl yb bcld Plkybadbky #ply yy j F]P, l po

coy bh bh| 79/70/=770"

Bcbh ifc p fc |{ fa F&] j f{bh fw ycbh ylb yb bcld* sw cbh yb

bcld ioabc bhclw p l{ y}a yc y}bh ycko bhbc elbc y" Y}obh ecl i dl }a

l ycad pbh fa F]P fbh ecbh c bc ecl y{|b m f{bh fw ec bcl{ ifc p

jlb q{ab bc yc{ ycw ycbh ylb* bc hl sw cbh bc df ioabc bhclw"l

ybh fa F&P p F]P j ff bc { y* ff ioabc bhclw ca| c ycbh bhb cbh

y}obh bf p q{f y"

Y}obh q{ y}bc s| ibh ff fc yl{* f F&] p F]P { ycad eco bc hl

fa ff y fcf bc df yb bcld jb bcy y}b yc hll j Vyabia}i&Woo}v* Dooi|v

p Kq{l`as p s| ibh f c ycbh bc hl }lbh* wc cw pl l{ elb Ply

Bad" Ycko cb 177 fc yl{ ybc ld p ff wcbh wcw eld y}a fco* wcf yw

f yc a yl plf sw cbh y AAA* AA* MM fco df yb bcld ioabc bhclw"

Va{ dy ycl hlab coy bh* i v jbh ecbh bcl{ bcbh bcbh cw bhd F&]* F]P bcb f fbh fco yc| ff ioabc bhclw Ply Bad fbh my { q{ab

yd yl jbc pf b|" Ybc b ba| F&] f{bh fw }y bcl{ mo fo yb bcld fco

ff ioabc bhclw y}obh p bhol bf" Fb F]P i dl f ycbc jw* ycl hlab coy

bh ecbh il bcbh bcb f bcl{ cw bh |{ f{ f{bh fw ycbh ylb bc

hl yb bcld ecfc cbh ecw f bf"

Clb ba| Ply Bad* pl v jbh ecobh 1;7"777 ioabc bhclw coy bh

y}obh bb elbc y abh y}b wcy y}lb* pl c ycbh wcw j{y bh| fbh l dl p


39/98

Y}abh 6 Ioabc yc{ f ybc j ioabc

yc{ ycf clb bd y}f"


44/98

Y}abh 99


="6"6" Wcbh wcw ybc ld"

="6"6"1" Ycabh ld ff fc yl{ yl fcbc"

.Ybh v ld yl a > 07 ld

ld yl a l pl dl fc yl{ > ; ld. Ycabh ld

o Ff fc yl{ 1$2 ; ld

J : > 9 ld

J : > 6 ld

J : > = ld

7 J: > 1 ld

J : 7 > 7 ld

o Fc yl{ yc 17 >

J > ; ld

J : > 9 ld

J : > 6 ld

J : J > = ld J : 7 > 1 ld

o Ff fc yl{ 11 $ 1=

J > ; ld

J : > 9 ld

J : > 6 ld

J : > = ld

$17 J: > 1 ld

J : $17 > 7 ld

o Hcl fc>

Ff df * * * f sf bc ycko ff ml{ 1A* 1M* 1F* 1I"

l pl ff ioabc bhclw coy bh elbc ioabc y}obh bcl{ jbc

pf" MLIP ja fcb coy bh fcbc jd f v bc hl ff fc yl{ yl

fcbc"


45/98

Y}abh 9;


Ioabc bhclw f q{| d jb > J Ioabc bhclw f pb fc v c{

17 y bh cof f v jao bh 677 bhl jao bh"

Ioabc bhclw f q{| d pa > J Ioabc bhclw f pb fc v

c{ ; y bh cof f v jao bh =77 bhl jao bh" Ioabc bhclw f q{| d bc > J Ioabc bhclw f pb fc v

c{ ; y bh cof f v jao bh =77 bhl jao bh"

. MBH YL[ FC[B BC HL FF FC YL[ YL FCBC "

1"Mbh yl{ fc{b bc hl l pl ioabc bhclw bhbc ycbh dl ifc p

MBH ="1

Fc yl{ Q{| d jb Q{| d pa Q{| d bc

Ff fc yl{ p ec bbh ycabc yob

1/ C v ec bbh ycabc yob bhb cb ="1 1"0 1"1 7"3 ="6 1"8 1"= 1"7 ="< ="6 1"8 1"9

=/ C v ec bbh ycabc yob bcabc 1"9 7"< 7"0 7"9 1"8 1"1 7"8 7"0 ="= 1"3 1"= 7" ; ld

. Ycabh ld

o Fc yl{ 1>

Ecbh f b q{ cb > ; ld

F b q{ cb > 7 ld

o Ff fc yl{ =*6

B > 7 ld

B : > 1 ld

B : > = ld

: B : > 6 ld

7: B: > 9 ld

B 4 7 > ; ld

o Fc yl{ 9

V ibh pb pa| bh df fc > ; ld

F y}bh cw v ibh pb pa| val df fc # eld y}a

wcy clb p jw mlb mb,> 7 ld

o Ff fc yl{ y ; b ; ld


48/98

Y}abh 93


B : > 9 ld

B : > 6 ld

: B : > = ld

7: B: > 1 ld

o Fc yl{ 17

MLIP fb f po jl bc{b ecfc cbh dabh jl* df ycf clb ff

ifc p ylb y* bhb cbh fa ecfc cbh q{a MLIP fco ld y 1

b ; ld" | j fc yl{ bc ybc* wc yc{f }y jb po elb fc

q{ab fa fb m yb ibh"

o

Hcl fc> Ff df * * * f fco y}f"

Fc yl{ = $ Y j hla cb b hf > l pl y}bh cw ioabc

bhcw f ec f wcl hla cb b b jb yc cal y} jb yc fco ld 7

l pl fc yl{ b|"

MBH YL[ FC[B FCD LD FF FC YL[ WCL YL FCBC

MBH =";

Fc yl{ [| yb y}obh q{ab c bhb cbh1/ B q{ cb=/ Y j b hf hla cb #+, 87 ;7 67 176/ Y j jl q{ cb #+, 87 ;7 67 179/ V ibh pb pa| bh df fc;/ Pbh q{a| pb yb ibh bhb cb = 1"; 1 7";Df mo d mbh yl vb 0/ Y j i b f YVM #+, 17 ld #Y} l y ybh v ld va{ eclbc hl,


49/98

Y}abh 9$ Hl | * fcbc sf mo fo yl fcbc #mbh fb l e yob* mo fo ey q{

coy bh elbc ioabc* mo fo j{ fc{|b ylb y b{ f, ycko bc e cbh q{* bd

yl bhb cbh > 6 ld"

$ Mo fo yl fcbc fa e sw cbh f eld yob cof f f q{ab yc{* f

q{ab fc q{b eld y}a sf bcb> = ld"

#m, Ycl hlab coy bh fa ioabc bhclw p fbh yf q{b y} l{ cbc yl ioabc

bhclw > Ycbh yl a ; ld

Ycl hlab coy bh fa ioabc bhclw #J,> Ycbh yl a = ld

Ycabh ld >

J 17 bd > fbh = ld

J ; bd > fbh 1 ld

Fbh yf q{b y} l{ cbc fa ioabc bhclw* y}obh f E cofc elbc ioabc*

Mo fo ybh ey #ycko bc hl fc q{ab fa Fcl bcbc,> Ycbh yl a 6 ld"#f,Ycbh ld ecl ecfc cbh f dy cbh f fbh bcb j Cbh Ply Bad

fcy jbh fao* f fw fcbh fc LVO* f fcbh bcb j Vao pbh y Ply cof

ff yl{ fc{b q{f y ecf fa ioabc bhclw s{y ec{ f fcw yc{b ml ff q{f

hla bcw ec{ #b{ fbh y| vb s{y elbc ioabc bcl{ dy cbh yc skd sy ycko vb

wcd fcbc fa fbh y|* f y y}bh jb bcy y}obh ioabc yc{,> Yl a ; ld"

#i, C v y yl y}>

C v y yl y} ;7+ > fbh ; ld

C v y yl y} 67+ > fbh 6 ld


="6"9" Ey q{ sw cbh"

="6"9"1"l pl ioabc bhclw q{ab c yb ibh pl MLIP"

1"Ybh v ld yl a l pl dy ecfc cbh j 167 ld #e f ld fbh

ycd,"="Wcb cbh ecfc cbh > Fcla jd 8 cbh ecfc cbh* bc va{>


50/98

Y}abh ;7


MBH ="0

V YY Cbh ld v1 A. Ecfc cbh f ybh v ld y 177 ld y} jb= A Ecfc cbh f ybh v ld y 3;

Ecfc cbh f ey q{ elbc ioabc j y}obh = bd jlb ylw

Ecfc cbh f wcy vlbc b q{ cb y}b 607 bh|" F b q{ cb #cof ec l, y}obh ff ecob wcl yc{ fcld y}b 17+ ybh

v ff ecob wcl yc{ fa ecfc cbh"

#m, Ff y}bh cw m bc yy cal cbh>

F q{|y bc ecl y l pl ycbc plb mab jbc o cof e yob y}bh"

Bh{b pb fc v c{ d yl ycl ld sw cbh ecfc cbh"

l pl ff ecfc cbh f i b s j y Q{ i wcbh }l }o fa

MLIP #f i b fc{|b bhol mbh, yc bc yy = cbh p sw cbh fao bcy

j cbh I"

="6"9"=" l pl ioabc bhclw dl q{ab c yb ibh jb {"

#1, l pl ecfc cbh clb fca f q{ab c yb ibh* f ycl hlab coy bh

elbc ioabc > MLIP fb f po ff ycbh ylb yl fcbc* ycbh ylb y FLF p ff bh{b

ycbh ylb ecf fc bh bc hl* sw cbh ecfc cbh"

MLIP ycf clb sw cbh ecfc cbh ycko ff fc yl{ bc va{>. Fc yl{ yl fcbc > Ybh y bc ecfc cbh f q{ab c #ybh v ld yl a

j 07 ld,"

. ld fbh ycd > 9 fc yl{ #ybh ld fbh ycd yl a j 13 ld,* f yc va{>

Mo fo yl fcbc fa e sw cbh f eld yob cof f f q{ab yc{*

f q{ab fc q{b eld y}a sf bcb > fbh ycd yl a 6 ld

Fc yl{ ycl hlab coy bh fa ioabc bhclw p fbh yf q{b y} l{ cbc

yl ioabc bhclw> fbh ycd yl a ; ld


51/98

Y}abh ;1


Y}obh >

$ Ycl hlab coy bh fa ioabc bhclw #J,> = ld

Ycabh ld >

J 17 bd > = ldJ ; bd > 1 ld

$ Fbh yf q{b y} l{ cbc fa ioabc bhclw #ycko bc hl fc q{ab fa

MLIP, > Fbh yl a 6 ld

Fc yl{ ecl ioabc bhclw f dy cbh y cbh Ply Bad fcy jbh fao*

fcbh fc LVO* Vao pbh y Ply cof ff hll ycbh y}obh bf p q{f

y ecf #b{ ecfc cbh vb s{y elbc ioabc bcl{ dy cbh yc skd sy ycko

vb wcd fcbc* f y y}bh ioabc yc{ jb bcy,> fbh yl a ; ld

C v y yl y}>

C v y yl y} ;7+ > fbh ; ld



ld hld y} yl a > ; ld

Ybh ld yl a > 83 ld #y}obh ld ycbh j 13,Yca| l sw cbh > Ybh y bc fa ecfc cbh f q{ab c"

. Wcb ecfc cbh ycbc 9 cbh bc va{ >

MBH ="8

V YY Cbh ld v1 A. Ecfc cbh f ybh v ld y 07 ld y} jb5= A Ecfc cbh f ybh v ld y ;7 ;< ld56 M Ecfc cbh f ybh v ld y 97 9< ld5

9 F Ecfc cbh f ybh v ld il 97 ld"l pl bcbh ioabc bhclw dl q{ab c jb {* MLIP fc sw 9 cbh* p

bcbh ioabc bhclw sw cbh y cbh F y} s{bh MLIP v ecbh y q{ab c fco bb

ecbh fb wcl sw po bcbh cbh ycw cb"

="6";" f ld ybh cbh ecfc cbh ycko c ycbh SCYB fa MLIP"

="6";"1" Ecfc cbh sw cbh A."

Ybc cbc yl fcbc jbc dbc* ey q{ cay bh elbc ioabc }y ec q{ab* f ec

bbh d }bh p wcy y}lb" Ioabc bhclw f p yc pbh dbc y}obh dy bhcbc elbc


52/98

Y}abh ;=


y b bc* mb pbh" Ioabc bhclw f f q{|b elbc ioabc dy cof dy v vb

wcd" Ff vb wcd fa ioabc bhclw f ybc fbc y}abc fao"

Bcbh ycbh ylb wcl yl fcbc jlb q{ab }y yy* f y}lb pbh wcy y}lb b bc*

mb pbh* j{ il" | j bcd ecfc cbh bh ylb f| bcy* }y f yb bcld y}obhq{ab c pl Bhb cbh"

="6";"="Ecfc cbh sw cbh A"

Ybc cbc yl fcbc* ey q{ coy bh elbc ioabc yy* vb wcd f ybc fbc y}abc

fao" Bcbh ycbh ylb wcl yl fcbc jlb q{ab ecf yy* d mo fco wcy y}lb b bc"

F yb bcld y}obh q{ab c pl bhb cbh"

="6";"6" Ecfc cbh sw cbh M

Ybc cbc yl fcbc* ey q{ cay bh elbc ioabc clb yl fa ecfc cbh mbc

ycbh y{| bclb f dy v fc yl{ fca y bc df ecfc cbh sw cbh A"

="6";"9" Ecfc cbh sw cbh F"

Ybc cbc yl fcbc* ey q{ cay bh elbc ioabc ecbh yy" Ff ecob fco pa|

f }l }o yb ibh cof s{y clb bcbh |{ y my jl ib b bh{| f ecbh y} f

b bh cb* wcl hla cb b* ecob pa| ecbh f mo d | "

="6";";" Ecfc cbh sw cbh I"

Ybc cbc yl fcbc* ey q{ coy bh elbc ioabc df mo bh" wcy vlbc

b q{ cb cof wcl hla cb b bcl{ jb* s{y clb bcbh |{ y my jl ib b

bh{| f ecbh cob y} f b* ecob pa| ecbh f mo d | "

="6";"0" Ecfc cbh sw cbh K

Ybc cbc yl fcbc f pb bhcld y}bh* ey q{ elbc ioabc jlb yf yc{a j* b

pa| fc |{ j ecbh f mo d mbh yl vb" Ecfc cbh f wcy vlbc bcbh ecob

b q{ cb ec yc{ cl* f ec bbh s| }a ybc y}bh dy pb l pl bhb cbh"="6";"8" Ecfc cbh sw cbh @"

Ybc cbc yl fcbc f pb }y bhcld y}bh* ey q{ elbc ioabc jlb yf yc{a j

y}obh ycl hlab il5 ioabc bhclw f bh{| f cof abh y}obh q{ y}bc hll yc* wc

vb5 yl vb d mo ecbh f cof f ecbh bh e* ec bbh s j ec" Ecfc cbh

f wcy vlbc bcbh ecob b ec l* bhb cbh ecbh f ec bbh yc{ cl pb l pl

bcbh ecob b fco pa|"


53/98


54/98

Y}abh ;9


9"Pbh q{a| pb j{ bh 9"E yc{ ylb mbc q{b ;"Cl{ q{ v ibh yl vb ;"Ioabc yc{ y}b ybh yl vb 0"Pbh q{a| ff ecob wcl yc{

8"Yf ybh y}bh ioabc yc{

3"Yf ybh y}bh jl bc{b 6"6 Ec bbh y yl y} 6"6 Fc yl{ b fb b


55/98


56/98

Y}abh ;0


% Ff fc yl{ yl fcbc sw cbh >

Mao hd 11 ff fc yl{ yl fcbc >

$ Fc yl{ ec bbh ycabc ecob

Ec bbh ycabc yob bhb cbEc bbh ycabc yob bcabc

$ Fc yl{ coy bh

Pbh q{a| cbh yb eco

E yc{ ylb mbc q{b

Cl{ q{ v ibh yl vb

$ Fc yl{ fb b

B wcl y} y}b ybh yl vb

B wcl y} y}b bh{b pb fc v c{

B q{ cb y}b ybh i b bhb cbh

$Ff fc yl{ jl yf

Ybh jl yf y}f yc{ y}b ioabc yc{

Ybh jl yf y}f yc{ y}b yl vb f

Ybh jl yf y}f yc{ y}b bh{b pb fc v c{

% Ff fc yl{ wcl yl fcbc > Ecbh skd sy b"

="9"9"Pl Fbh y| Fcbh ecob bcy"

Hb ybh y bc c ycbh sw cbh fa FLF* wcbh wcw sw cbh fa Fbh y|

fcbh ecob bcy ec b hlb p ecbh | p fbh fc ybc yob ff fc yl{ yl

fcbc* ff fc yl{ wcl yl fcbc ecbh f skd sy b"

=";" BC HL C YCBH SCYB ECFC CBH IOABC BHCLW PA\

PB YL MLIP"=";"1 Ey q{ y f"

=";"1"1" Y}lb ecal ycf clb SCYB y}b yob c ycbh"

Va{ ecl c ycbh sw jol f mab cbc ycko Q{|y bc v ;09;/Q$YI= bh|

61/1=/=776 fa Ybh Hld f MLIP* yob c ycbh MLIP y}lb ecal sw cbh

ecfc cbh y f fl bcb ybh yc* bcb bc f ybc cbc yl fcbc* df }l }o

fco pa| fa bcbh ecfc cbh abh q{ab c yb ibh yl MLIP"


57/98

Y}abh ;8


. Pl Wcbh wcw sw cbh bc y}b* ybc cbc sw cbh ecfc cbh pa| pb fa

V hlao ifc MLIP yl ycl ld 61/1=/=77; p 67/70/=770 fco ey q{ bc va{ >

$ Ey q{ sw cbh b 61/1=/=77; >

MBH ="3

K

7+

@

1+

I

11+

F

3+

ESJ

67+

A.

=+A

11+

M

68+

$ Ey q{ sw cbh b 67/70/=770 >

MBH ="

=";"="1" Fc yl{ bc hl sw cbh fca wc cw"

Ff fc yl{ bc hl q{| d ioabc bhclw fca cw j"

sf bc q{| d fa ioabc bhclw d fc ia po cal fc yl{ j pb fc v

c{ p jao bh j fca cw j p f bcbh bhbc bhc l cl bcl{ jao bh bcbhjl y pb* bhf jl f bcbh bhbc bhc l cl pb }y fao bcbh jl }y y jao bh"

Ycf y fco yc| q{| d fa ioabc bhclw ecbh fc wc yc{f po pb fc v

c{* jao bh d fb wc yc{f po ioabc yc{* yl vb* jl bc{b yc{ f"

Ycl{ bcl{ fc yl{ q{ab y}bh wcb bc ybc cbc yl fcbc p bbh

jf coy bh fa ioabc bhclw"


61/98

Y}abh 01


C ycbh fc yl{ ybc ld sw cbh fa MLIP fb ycl{ bcl{ fc yl{ q{ab

y}bh bc hl bbh jf yl fcbc fa ioabc bhclw p y}lb pbh wcy y}lb fa

ioabc bhclw y}obh ybh jal"

$ Ecbh a fc yl{ y}lb pbh wcy y}lb fa bhbc bhc* jbc pf coy bhfa ioabc bhclw po y}obh c ycbh sw cbh5

$ Ycl{ fc yl{ wcb bc ec bbh fcl y} jl pa|5

$ Ecbh a fc yl{ p ec bbh y} b y j{ fc{|b ylb y po c ycbh fc

yl{ sw cbh5

$ Y}bc q{b j fa jbc o ioabc bhclw fca f bc hl5

$ Ff bcb y mb bhol bc cbh b ioabc bhclw fca f fc y}bh b"

Bcl{ fc yl{ ybc ld sw cbh ecbh fb ycly"

Ff fc yl{ a po c ycbh sw cbh vao fco wcl mao q{y f ybc cbc yl

fcbc* ec bbh coy bh p ey q{ coy bh elbc ioabc fa ecfc cbh* i ob

f y}lb pbh coy bh y}obh ycl hlab yl"

% Bcl{ fc yl{ yl fcbc ecbh wc cw* ecbh fb ycly wcl a po cof f

yc a po ff fc yl{ wcl yl fcbc bc >

$ Yf ybh y}bh ioabc yc{5$ Yf ybh y}bh jl bc{b5

% Ff fc yl{ wcl yl fcbc ecbh fb ycly wcl a po >

$ Jl bc{b dabh jl fco MLIP5

Fcbh ya bc hl bbh jf yl fcbc* df yb bcld* ec bbh y} b fa

ecfc cbh* ecbh wcl bc hl df q{ab c pl bhb cbh fco bb ecbh fb

ycly wcl a fc yl{ b| po"

$ V ibh pb pa| bh df fc5 pa| pb bhb cbh yc ioabc bhclw wcl v ibh pb pa| bh df fc ycko

bc wcbh b elbc ioabc* ycko bc bl i{bh f yco yc{b y}obh cw bh yb

ibh" V ibh pb pa| bh df fc f q{| bc y}obh ff pb mb wcw j{y

fco bb ecbh fb ycly wcl v ibh fc yl{ b|"

Ecbh ybc y}bh v fco ff fc yl{"

Dl fc yl{ yl fcbc p wcl yl fcbc { f yd q{ab y}bh ecf bca{ y}obh plf

ybc ld sw cbh yb bcld ecfc cbh* fcbc p p| ecl sw cbh yc ld v fa


62/98

Y}abh 0=


ff fc yl{ wcl bcb pl y}bh v" Bcbh fc yl{ f yd q{ab y}bh cb v f y}bh v

jb cb bcbh fc yl{ y q{ab y}bh"

Ff fc yl{ yl fcbc p wcl yl y}obh c ycbh sw cbh fa MLIP { bhabh

bca{ j ecbh wc cw* fo mbh yd q{ab y}bh fa ff fc yl{" V ibh ld ycbh* wcy fca cw j"

Bhol ff fc yl{ yl fcbc p wcl yl fcbc ybc ld sw cbh* c ycbh sw

cbh fa MLIP fb mao hd fbh ycd ld ycbh* y} ld wcy p ff y}bh cw

bc yy cbh" | j l{ ecbh cw j p yy f bcbh fc yl{ b| f yc fc{|b

ycbc ff fc yl{ yl fcbc p wcl yl fcbc ybc ld y}obh c ycbh sw cbh"

% Fc yl{ ld ycbh ecbh wc cw >

$ Hl | * fcbc sf mo fo yl fcbc ycko bc e cbh q{* bd* yl bhb

cbh"

Ecfc cbh q{ab c pl bhb cbh yc plf hl ff mo fo yl fcbc b bhb

cbh j my m{f* a fc yl{ b| po ld ycbh j ecbh wcb bc bh"

$ Ycbh ld fco c v y yl y}"

C v y yl y} f ybc yob p fco ld wcb ff fc yl{ yl fcbc p p|

ecl a ycd ld ycbh fco fc yl{ b| jd fco c v y yl y} f skd sy p fcold cal jb"

% Y}obh c ycbh sw cbh f q{| bc ld hld y} #ld wcy,* bcbh jl

ecbh q{| bc fcl yly ff y}bh cw bo v m hld y} fcbc p p| bhl sw cbh

hw ec ecb y}obh plf ycf clb fc yl{ b| p y}obh ycf y fco yc| y} ld }y y

ecl f w ibh"

=";"="=" Q{| y}bc sw cbh fca } }bh"

C ycbh sw cbh fa MLIP fc a }a ff cbh ib p ffc ybc yob ff fcyl{* cbh yb bcld d ecfc cbh y f ybh bh pl ld v bcbh jl fca a

}a q{| y}bc fco plf sw cbh mao hd ff mf ylb cbc* my { y {* p ecl bo

ey ycf* al v fc{ y}fc bcld dl mf ycf clb"

Ycf y fco yc| plf sw cbh yb bcld ecfc cbh yl MLIP wcb jb j io

fb m yb ibh ycf clb* bc p| ey q{ sw cbh wc yc{f bcl{ po fc q{ab

fa fb m yb ibh* ey q{ sw cbh f yc ecbh ycf v fcbc sf* ecfc q{ab"

=";"="6" l ybh sw cbh fca wc cw"


63/98

Y}abh 06


Clb ba| }y bcl{ ff ioabc bhclw f q{| d bc* ff ycbh ylb wcb bc y}b

ff mo fo yl fcbc ecbh ycy v fcbc sf" Pl df fc fck | ycbh ylb* y}bc

yc{ d }y bcl{ ycbh ylb* i jl{ ecbh f a po y}obh c v e yob fa

ioabc bhclw* fcbc p p| i jl{ y}b v vfc e yob ecbh wcb bc fcbc sf eyq{ elbc ioabc ycf v fa bcbh ioabc bhclw b|" Bcbh ioabc bhclw f q{| d

pa p jb v jl{ p c v e yob | p wcb bc y}{bh ycf cb bcbh ioabc

bhclw f q{| d bc" Ycf y bcbh ioabc bhclw f q{| d bc elbc ioabc }y f

cl{ q{ bcbh y}b v vfc e yob* mo fo ey q{ elbc ioabc bcl{ y}bh cw pb

yc clb j"

Fcbc p p| wcb bc bh mb fcy fa ff ioabc bhclw l cl ff ioabc

bhclw f sw cbh wcl yco db dy df q{| d bcy bc* fc ecl ey q{ sw

cbh dl wcb bc bh ycf fcy ybc cbc yl fcbc* ey q{ elbc ioabc fa ioabc

bhclw"

Bc p| sw cbh yy f ff l ybh j ioabc bhclw j ecbh wc cw"

=";"="9" V jbh ff yc cbh sw cbh fca | "

C ycbh sw cbh clb yl fa MLIP a }a 78 cbh* f e cl{ y A. fco

b @ y}obh ecl ff y fcf sw cbh jb f {| yb y}b yc hll a }a 17 cbh" V

jbh ff yc cbh y v jd fco plf vw sw yc cbh ff ioabc bhclw ec ecb cb*

bh ycl fbh ecbh wc cw pl fc{b df q{f y"

E cl{ sw cbh fbh fb wcl skd sy jl" E cl{ ecbh wc cw pl fc{b

df q{f y v yo }a ec ecb y}obh plf l fcl{ p y}ao l ycbh ylb"

=";"6" Bh{|b bcb fa bcbh cb fc"

=";"6"1" Bh{|b bcb ecfc q{ab"

a"Ycbh ylb wcf p fco sw cbh ecbh | "Ecl SCYB ecfc cbh yc bh{b ycbh ylb i{| bcy d bhb cbh f f j

ia y}b ff mo fo yl fcbc fa ioabc bhclw hl b bhb cbh" Y{| bclb

SCYB ecfc cbh f | * wcb bc fcbc sf ybc cbc ioabc bhclw yc bh{b

ycbh ylb y mo fo yl fcbc fca * l cl wcl f bcl{ bh{b ycbh ylb ecf bc

y ff f q{ab yc{* cl q{ab* ycbh ylb q{ab c pl ff y fcf yb ibh* ff ycbh ylb

p y}abc fcw elbc y """ bcbh bcbh ycbh ylb b| }y ec yc{ ycw* f jlb c pl ff

f q{ab q{b j bh{b ycbh ylb b| fbh }y ec j| io ecbh f f{bh fw"


64/98

Y}abh 09


Ycbh ylb y}b ff mo fo yl fcbc fa ioabbc bhclw clb ba| fca ycf v

bh ylb f|* f mly j ff ioabc bhclw f q{| d bc p p| bc cbh b ey

q{ SCYB" Ycko q{| bc clb ba| mo fo yl fcbc ioabc bhclw hl b bhb cbh

ecbh my m{f wcl f eld yob* b{ f eld yob yc bh{b ycbh ylb v bhylb f| cb"

Fcbc bh{b ycbh ylb SCYB ecfc cbh fb cb fc f p v jbh p fcy

jbh bc cbh b ey q{ sw cbh* ey q{ sw cbh v ecbh wcb bc fcbc

sf df yb bcld fa ioabc bhclw"

m"Yc y}bh fca f bcl{ y fcf SCYB f yc f{bh fw ey q{ SCYB fco

bhb cbh ycad eco"

Yl yc y}bh Ply Bad clb ba| fca f bcl{ ff y fcf sw cbh yb bcld

f jw* f{bh fw ey q{ sw cbh yb bcld fco yc y}bh" Ey q{ sw cbh fa ff

y fcf ecf j dy bh{b ycbh ylb fco ff bhb cbh ycbh dl ecl ycf clb sw

cbh* bh ycl f yc ibh jd f v vo vbc ey q{ sw cbh pl bhb cbh"

=";"6"="Bh{|b bcb fc q{ab"

a" Bcb ycf p SCYB fca fao"

| j jb { ylb MLIP s| ibh* mab cbc p w ibh c ycbh SCYB ecfc

cbh y}obh bl m bhb cbh" C ycbh sw cbh mab cbc po bh| 61/1=/=776* fco

b ba| dl y}bh elbc ioabc fbh f bcl{ yca| l* y i{| q{b j }l }o fbh

ecf y}f fcbc p p| wcbh wcw sw cbh yb bcld ecfc cbh fa MLIP fca

| p fb bcl{ cb fc* fb wcl ylw yf cob yclb* m v{bh y}obh ycl hlab yl"

Dy ecf ecl mab cbc c ycbh sw cbh yb bcld ecfc cbh* mab jbc o fa

MLIP fca bc hl bh df jl fc fa c ycbh SCYB y}obh coy bh yb ibh

f mly j y}obh wcbh bha p q{b j }l }o yb ibh fcbc p p| bl i{bh fc |{fa q{|y bc b| j wcb jol ecfc cbh y ycf clb fcbc vfc ecfc cbh*

mlb wcw l v pl ybh ecfc cbh p bcd ecfc cbh fco wc cw bc fcbc vfc

jl v{y* fcbc vfc d mo ylb pa|* fcbc vfc ifc p* bbh fao cl{ q{ fbh

bc d mo ab yob fco coy bh fa MLIP"

m" Y}bc fb m yb ibh fca bh {"

Plf SCYB ecfc cbh io fb m yb ibh ycf clb* bhol ff fc yl{ yl fcbc

fb f ff fc yl{ wcl yl fcbc j bcbh fc yl{ wc yc{f }y jb po ec bbh bc


65/98

Y}abh 0;


hl* yc{ ycw ycbh ylb fa bhl sw cbh" Bbh jf* y}bc * elbc bhcld fa bhl

sw cbh v q{|y bc fcy jbh sw cbh"

Clb ba| l bh fb m yb ibh yl MLIP ecbh bh {* bcl{ fb m yb ibh

fb dl* fca f elbc bhcld df i { f o yo ml mb yl ff y}bh lcf" Y{| bclb io fc bh fca mbh ff y fcf yb ibh ecf fco bb }y bcl{

fb m f elbc bhcld l m MLIP"

f" Bhb cbh fca f f v i jl{ }lbh"

Sw cbh ecf cbh l wcl s ibh ycbh ylb bcl{ ycl ld* b{ ecbh f f

v i jl{ j{ y} ycbh ylb ecfc cbh yc ecl bc hl v hw bcl{ ec ecb"

Clb ba| yl MLIP fca f f v i jl{ }lbh wcf p fco plf bc hl* sw

cbh ecfc cbh fcbc p p| bh{b i jl{ yl MLIP }y ycl{* fca w bh f |{

f{ fco plf bc hl sw cbh"

i" Ey q{ sw cbh fca f bh ibh y}obh q{b j }l }o yb ibh"

C ycbh SCYB ecfc cbh f fc jl }y jb y}obh fbh yf q{b j p wcbh

bha }l }o yb ibh* y{| bclb va{ ecl mab cbc c ycbh sw cbh pb fca f ycf

ycl dy ffc y}ly " Bcl{ fcl bcbc fcd y}lb ecal p ecl y}lb ecal p w ibh bha|

y}obh coy bh yb ibh v f }y bcl{ ecfc cbh sw cbh yb bcld ycw" Ycko q{|

bc fa MLIP bcbh ecfc cbh sw cbh yb bcld ycw }l }o yb ibh fao p bc

p| bhb cbh wcl bhbh fco pa| p yc{ b"

k" Bcl{ y}bh cw sw cbh fc dabh ybc cbc ycf"

Yl dy v fcl bcbc* y}obh dy v y}bh cw plf w ibh pb fca f ycf

ycl bhcld yf" Ecl d{b fco pa| cof d{b fck | ybc y}bh ycf y fa ecfc cbh

pa| pb* ff fcl bcbc f ybc sw cbh ecbh fcbc sf* yd dl ffc bbh ld

ecfc cbh fco y |{ f{ sw cbh yb bcld dy df bo " Ycbh ycbh ybh ld sw cbh yb bcld fco ecfc cbh* bhl sw cbh v yw y}{bh po ff fc

yl{ ybc ld wcl yl fcbc p | j ff fc yl{ fc{ bc cbh fa bcl{ |{ y fc

q{ab* bcb bc fa bhl bc hl"

Ey j{b Fcbh LL

Y}obh Fcbh LL j{b pb hll ycl{ ybh yc q{ y}bc cbc ycbc p wcy

y}lb* ybc cbc yl vb* ey q{ coy bh elbc ioabc f mly j ybc cbc coy bh yb

ibh fa MLIP" MLIP j dy y}obh mb bhb cbh ycbh dl q{f ioabc jb bcy


66/98


67/98


68/98

Y}abh 03


$ Wcy y}lb ifc p l ed pl d }bh p bbh fao bbh jf dbh jl ld

hlao ifc5

$ Wcy y}lb ifc p dl q{a ebc wcb wcl bhb cbh lb y

#lbyk}bky/wcobk/vdv mabelbh,>q{b j pb* ifc p fco ecfc cbh P"L"W"6"1"=" Ff fc yl{ f mb b bd =717"

$ Ybh yl vb > f y =87"777 $677"777 y PBI #1; 18 y [VI,5

$ Yf ybh y}bh > Ybh yl vb* bh{b pb 13$=7+/bd5 yb ibh 18+/bd5

{ y 2 61+/bd5

$ Bbh jf yl fcbc > y ycbh j q{f y Mavkj LL #FA] > 17$1=+,5

$ Ec bbh vlbc jl > ]OA 1+5 ]OK 1=+$1;+ #ycko ycbh j q{f y,5

$ B s{ : ;+5

$ Y y}bh yc{ ifc p }bh/jl bc{b y}f yc{ 6;+5

$ F f{ i b/yl vb f 07+5 B y}{bh il cb/ybh i b 97+5

$ F f{ { y /yl vb f =7$==+5

$ F f{ ecfc cbh > Ecfc cbh bhol q{f ioabc fcld 87$37+"

6"1"6" S| ibh c ycbh sw cbh yb bcld"

MLIP i elb v s| ibh p w ibh c ycbh SCYB* c ycbh SCYB b|

fbh wcl f yw y}{bh bc hl po ma jbc pf > bc hl dl y}bh bhbc* bc

hl ybc cbc yl fcbc* bc hl coy bh vb s{y elbc ioabc* bc hl ec bbh q{b

j fa jbc o ioabc bhclw"

Df fc fa s| ibh c ycbh sw cbh yb bcld ycko fc{b df q{f y

ycf clb q{b j }l }o yb ibh* ycf clb fcbc vfc ecfc cbh* ycf clb wcb jol

b p y}fc i wcbh }l }o ycko l{ 8 Q{|y bc v 9


69/98

Y}abh 0

#1, Ec bbh y} jl y j{ fc{|b ylb y#i elb y}obh ybh jal,5

#=, Y}bc q{b j p dl y}bh bl m5

#6, Q{ab c pl bhb cbh5

#9, Ff bcb y mb bhol5

#;, Ff f ld coy bh ecf"

k" Yca| l v jbh p e cl{ mf sw cbh"

V mf sw cbh v j 17 mf p e cl{ v ycko fc{b df q{f y >

MBH 6"1

V

YY

Df sw

cbh

bhca

1 AAA | j df sw cbh fao bcy" Ec bbh cob y} ecob pa| fa ecfccbh f sw cbh b| j f mly yy"

= AA Ecfc cbh sw cbh AA f ec bbh y} b ecbh ed bcl{ vo pl

ecfc cbh f sw cbh fao bcy" Ec bbh cob y} ecob b fa

ecfc cbh f sw cbh b| }y yy"6 A Ecfc cbh sw cbh A f yc f bcl{ ec bbh fc{ yf bh yl{

ff fa ff |{ y mb bhol p ff l{ elb elbc y cb ff ecfc

cbh f sw cbh fao cb" Y{| bclb ec bbh y} b pb f bc

ha yy"9 MMM Ecfc cbh sw cbh MMM f ff fc v fco yc| ecfc cbh cob

yob f ec bbh cob y} | ff ecob b" Y{| bclb ff l{

elb elbc y my jl p v yca| l fa |{ y mb bhol f bcl{ ec

bbh cb y}obh plf jd v{| hld ec bbh y} b fa ecfc cbh"; MM Ecfc cbh sw cbh MM y f bh{| f dy ec bbh y} b cb ff

bcd y M b I" Y{| bclb ff ecfc cbh b| abh wcl l dy pl

bcl{ }l }o yld b cof ff bc cbh yl ff l{ elb elbc ioabc*

yl fcbc p elbc y my jl* ff bc cbh b| f ec bbh ib b v


75/98

Y}abh 8;


v{| hld ec bbh y} b fa ecfc cbh"0 M Ecfc cbh sw cbh M f bcl{ bh{| f dy ec bbh y} b cb

ecfc cbh bcd MM" Y{| bclb clb ycl ecfc cbh pb f ec bbh

y} b ecob pa|" Ff l{ elb elbc ioabc* yl fcbc p elbc y bcl{

ec bbh bc cbh b ec bbh cof yclb fc y} b fa ecfc

cbh"8 FFF Ecfc cbh sw cbh FFF clb ycl abh m v{| hld ec bbh y} b*

ec bbh y} b fa ecfc cbh wc yc{f po yc{b jl fa ff

l{ elb elbc ioabc* yl fcbc p elbc y" Y}obh y}bh cw f |{ y

my jl s| }a* ecfc cbh bcl{ ec bbh ecbh y} f b"3 FF Ecfc cbh sw cbh FF clb ycl abh m v{| hld bcl{ ec bbh y}

b"< F Ecfc cbh sw cbh F fco yc| ecfc cbh ycf clb ff yc yf

slb wc vb cof f ff bh ycl ybh y bcbh plf y} b fa ecfc

cbh pb abh f i{| y}"17 I Ecfc cbh sw cbh I fco yc| ecfc cbh dy ec bbh y} b*

ff yb ycy s| }a5 ecbh sw cbh I fco ecfc cbh d plf dy

ec bbh y} b dl fc i elb"6"9" WCBH WCW SW CBH VA[ ECL F L[ FCBC"

6"9"1"Mf 1* sf bc bhbc bhc elbc y

Ia po coy bh vb s{y elbc ioabc fcbc fa ecfc cbh" Coy bh vb

s{y elbc ioabc fcbc j coy bh kd jl y ;7+ ioabc yc{ y} jb y}obh ybh ioabc

yc{ cbh bd fa ecfc cbh"

Y}bh cw ecfc cbh elbc ioabc a bhbc bcbh ecbh f bhbc bo fcld

ioabc yc{ y ;7+ y} jb yc f q{|b fcb ja bhbc f yld bbh wcy y}lb bcy

y}obh ff bhbc d ecfc cbh f coy bh fcd ld sw cbh"

6"9"="Mf =* Sf bc q{| dQ{| d fa ecfc cbh wc yc{f po bhbc bhc elbc y d ecfc cbh abh

coy bh" Q{| d fa ecfc cbh f sf bc ia y}b plf fcd ld ff fc yl{

va{ >

MBH 6"=

VYY Yl{ fc Bl i{bh ld1

Pb fc v c{

Y}b ;7 y bh 6;Y}b 97 b ;7 y bh 67

Y}b 67 b 97 y bh =;Y}b =7 b 67 y bh =7


76/98

Y}abh 80


Y}b 17 b =7 y bh 17b 17 y bh ;

=

Ioabc yc{ yc{b

Y}b =77 y bh 67Y}b 177 b =77 y bh =7Y}b ;7 b 177 y bh 1;

Y}b =7 b ;7 y bh 17Y}b 17 b =7 y bh ;b 17 y bh =

6

Ybh yl vb

Y}b 177 y bh =7Y}b ;7 b 177 y bh 1;Y}b 67 b ;7 y bh 17Y}b =7 b 67 y bh ;b =7 y bh =

9

Jao bh

Y}b 1";77 bhl 1;Y}b 1"777 b 1";77 bhl 1=

Y}b ;77 b 1"777

a"Bhbc ycbh dl ifc p" MBH 6"6

Fc yl{

Y}

bh

v

Q{| d jb Q{| d pa Q{| d bc

177 37 07 97 =7 177 37 07 97 =7 177 37 07 97 =7Ff fc yl{ p ec

bbh ycabc yob 10+ 1/ C v ec bbh ycabc

yob bhb cb 3+ ="1 1"0 1"1 7"3 :7"3 ="6 1"8 1"= 1"7 :1 ="< ="6 1"8 1"9 :1"9=/ C v ec bbh ycabc

yob bcabc 3+ 1"9 7"< 7"0 7"9 :7"9 1"8 1"1 7"8 7"0 :7"0 ="= 1"3 1"= 7"< :7"


77/98

Y}abh 88


3/ B il cb/pb fc v

c{ #jb, 17+ 1"7 1"= 1"; 1"8 2="7 1"7 1"= 1"; 1"8 2="7 7"3 1"7 1"= 1"9 21"9Ff fc yl{ p ec

bbh vlbc jl #+, 6=+


78/98

Y}abh 83


f" Bhbc fbh bhclw" MBH 6";

Fc yl{

Y}

bh

v

Q{| d jb Q{| d pa Q{| d bc

177 37 07 97 =7 177 37 07 97 =7 177 37 07 97 =7

Ff fc yl{ p ecbbh ycabc yob 10+ 1/ C v ec bbh ycabc

yob bhb cb 3+ ="7 1"9 1"7 7"; :7"; ="= 1"0 1"1 7"3 :7"3 ="; 1"3 1"6 1"7 :1"7=/ C v ec bbh ycabc

yob bcabc 3+ 1"1 7"3 7"9 7"= :7"= 1"= 7"< 7"8 7"6 :7"6 1"6 1"7 7"3 7"0 :7"0Ff fc yl{ p bbh

jf coy bh 6=+ 6/ Pbh q{a| cbh yb

eco 3+ ;"7 9"7 6"7 ="; :="; 0"7 ;"7 9"7 6"7 :6"7 9"6 9"7 6"8 6"9 :6"99/ Pbh q{a| ff ecob

wcl yc{ 3+ ;"7 9"7 6"7 ="; :="; 0"7 ;"7 9"7 6"7 :6"7 9"6 9"7 6"8 6"9 :6"9;/ Pbh q{a| pb j{

bh 3+ 9"7 6"7 ="7 1"; :1"; 9"7 6"7 ="7 1"; :1"; 9"7 6"7 ="7 1"; :1";0/ Cl{ v{y v ibh yl

vb 3+ ="6 ="7 1"8 1"; :1"; 6"; ="3 ="= 1"; :1"; 9"= 6"; ="; 1"; :1";Ff fc yl{ p b fb

b =7+ 8/ B wcl y}/ybh

bh{b pb #+, 17+ 9;"7 ;7"7 07"7 87"7 287 9;"7 ;7"7 ;;"7 0;"7 20; 97"7 9;"7 ;7"7 ;;"7 2;;3/ B il cb/pb fc v

c{ #jb, 17+ 1"= 1"; 1"8 ="7 2= 1"1 1"6 1"; 1"3 21"3 1"7 1"= 1"9 1"; 21";Ff fc yl{ p ec

bbh vlbc jl #+, 6=+


79/98

Y}abh 8

ybc ff fc yl{ wcb bc ec bbh vlbc jl* j{b pb fcb jl bc{b y}f

yc{ ybc fc y} fc yl{ jl bc{b y}b pb fc v c{" Fc yl{ Jl bc{b y}b pb

fc v c{ j{b pb fcb jl bc{b va{ yc{ p | fcbc j jl bc{b ycf y d fc v

c{ bcb f" Ff fc yl{ ecf fcb jl bc{b y}f yc{ p jl bc{b y}f yc{ dl

wcb bc bh cl{ q{ coy bh fa ioabc bhclw* ff ioabc bhclw { mbc bh*

y}bc y}bh cw my cw j io ioabc bhclw f { l yc{"


82/98


83/98

Y}abh 36


bhl bh { abcbhclw

97 ybh f ylb b ylb v=7 abh m bhcl pb* m y}{| y

= 8+ Elbc bhcld fc{|bdb fa bhl y}fylw q{b j ioabc

bhclw

177 Y 17 bd y} jb37 Y 8 bd b il 17 bd07 Y ; bd b il 8 bd

97 Y = bd b il ; bd=7 Il = bd

6 8+Y}bc cf pb fa

bhl q{b j

177 Y}b l cf07 l cf=7 Il l cf cof ecbh f ylb

9 0+Bbh jf l{ cbcfa bhl y}f ylw

jbc o ioabc bhclw

177 ]y yy37 Ybh l yy07 Ec97 Y}{bh mbc=7 Ed

; ;+ F f{ y fcf p dly}bh eld voy blm fa ioabc bhclw

177 Yy37 Ybh l yy07 Ec97 Y}{bh mbc=7 Ed

BcdLLL

Yl a67

ldQ{ab c pl bhb cbh

1 9+ Jfc v y} b faecfc cbh y}obh 1=

ycbh q{a

177 J{b y} b bh cb=7 ybh f b q{ cb* f f{ jl

= 9+V jb f f{ jl yclhlab y} b y}obh 1=

ycbh q{a

177 :4 1 jb37 Y = b 6 jb07 Y 9 b 0 jb97 Y 8 b < jb=7 Cb < jb

6 6+ V jb ff fad eybhol mbh dy ec

bbh ycabc yob

177 Fca ybh f=7 ybh f y}obh =9 ycbh q{a

9 6+ Ybc cbc f{bh fwycbh ylb ycko |{ f{

fa MLIP

177 J{b | p fcbc sf07 df y}{bh mbc

=7 Ecbh | p bh cb; 9+

Df v ibh ffifc p fa MLIP

177 Fc v ibh yl MLIP37 Yl MLIP jb cb ff BC ecf07 Yl MLIP mbh ff BC ecf97 Yl MLIP bc cb ff BC ecf=7 y v ibh yl MLIP

0 9+

Y y}bh ycabc yobioabc yc{ q{a MLIP

177 177+ ioabc yc{37 Y 87+ b il 177+07 Y ;7+ b il 87+97 Y 67+ b il ;7+=7 Bc cb 67+

8 6+ 177 Cb 17 bd


84/98

Y}abh 39


Ycl hlab q{ab c plMLIP

37 Y 8 bd b 17 bd07 Y 6 bd b il 8 bd97 Y 1 bd b il 6 bd=7 Il 1 bd

3 6+

Ybc y}bh b q{ cbyl ff bhb cbh ecf

177 Fca ybh f y}obh =9 ycbh q{a

07 ybh f y}obh =9 ycbh q{a=7 abh f b q{ cb

< =+ bc cbh q{ab cpl ecfc cbh y}obh

ycl hlab yl

177 Wcy y}lb07 I{| y}97 Ycol j{l=7 Fcd iy

BcdLP

Yl a=7

ldFf bcb y mb bhol

1 9+

Y}lb pbh bhbc

177 Y}obh hlal ob wcy y}lb fao

37 Ybh l wcy y}lb07 b bc97 F i{ cl{ v{| ycol=7 abh v{| ycol

= 9+ Ec bbh vb wcdfa ioabc bhclw myca| yc ml ff vb

wcd yca| yc

177 ]y ec37 Ybh l ec07 Mbc ycbh97 Ybh l i=7 ]y i

6 9+ Ybc b bc fabh{b f{bh fw

bh{|b jl{ { po

177 ]y b bc07 Ybh l b bc=7 Ecbh b bc

9 9+Fcbc vfc mo c fa

fcbc wc

177 F fcbc vfc mo c37 Cl{ q{ mo c ycw07 Ecbh f fcbc vfc mo c=7 Cb fc wcy y}lb

; 9+Df wc yc{f po

l{ elb y bclb

177 ]y y wc yc{f37 Wc yc{f ecbh bh e97 Wc ycf bcl{=7 Wc yc{f cob yob

Bcd P Yl a

17ld Ff f ld ecf

1 1+V wc yc{f po dy

v y bc f{bh fw

177 I yd ff bc f{bh fw07 Mbc ycbh=7 Wc yc{f po v y bc f{bh fw

= 1+V wc yc{f pobhl yl{ ibh

177 Bc{ f{ jb07 Mbc ycbh=7 Bc{ f{ y

6 1+V bd coy bh fa

ioabc bhclw

177 Cb 17 bd07 Y 6 bd b 17 bd=7 Il 6 bd

9 =+ Yf ybh y}bh 177 Cb =7+


85/98

Y}abh 3;


ioabc yc{ 07 Y ;+ b =7+=7 Il ;+

; =+Yf ybh y}bh jl

bc{b

177 Cb =7+07 Y ;+ b =7+=7 Il ;+

0 1+Wcd pl coy bh fa

ioabc bhclw

177 Yob q{f* f s{y ec{37 Yob q{f ecbh f s{y ec{07 Y}obh wcd pl dlb97 Y}obh wcd pl ybc=7 Wcd pl bc cb ybc

8 1+Ycl hlab coy bh

fa ioabc bhclw

177 Cb 17 bd37 Y 8 bd b 17 bd07 Y 6 bd b il 8 bd97 Y 1 bd b il 6 bd=7 Il 1 bd

3 1+ Y}lb pbh wcy y}lbfa ioabc bhclw

177 Wcy y}lb bcabc07 Wcy y}lb df y}{bh mbc97 F i{ cl{ v{| ycol=7 abh v{| ycol

6"9";"Mf ;* Ybc ybh ld"

Ybh ld 4 ld ff fc yl{ yl fcbc #s, y}bh v wcb yl fcbc#%,

ld ff fc yl{ wcl yl fcbc #s, y}bh v wcb wcl yl fcbc

Y}obh y}bh v fa wcb yl fcbc p wcl yl fcbc wc yc{f po mo fo yl

fcbc fa ecfc cbh f f eld yob ca| ecbh f eld yob"

MBH 6"3

Ff fc yl{ Mo fo yl fcbc f

eld yob

Mo fo yl fcbc ecbh

f eld yobFf fc yl{ yl fcbc 07+ ;7+Ff fc yl{ wcl yl fcbc 97+ ;7+

6"9"0"Mf 0* sf bc ey q{ sw cbh yb bcld"

Ia y}b ld y f* ecfc cbh f sw po dy y}obh 17 bcd ycko ycabh

ld va{ >


86/98

Y}abh 30


MBH 6"

$ C ycbh co }l }o yb ibh* ff bh{|b bcb ib b }l }o yb ibh* y

fco }bh plf SCYB ecfc cbh j fb ycly y}obh fbh yf q{b y} }l }o yb ibh"

$ C ycbh co f v j j{b p SCYB ioabc bhclw pa| pb bhb cbh* bh{|b

yf p ff fc yl{ ycbh ibh sw cbh* elbc bhcld sw cbh y}b yc hll y

a }a ml cf fco Ply Bad"


88/98

Y}abh 33


$ Wcb yfc bc hl ycf y}bh c ycbh SCYB yl MLIP* bhclb f{ c ycbh

SCYB fa ff y fcf ecf bc FLF* Plkyfodmabe ey cw pl elbc bhcld sw

cbh fa ff y fcf jb* f {| yb p fa ff bf y}b yc hll y a }a ff

elb bhc cob yclb c ycbh sw cbh"Ff elb bhc cob yclb c ycbh sw cbh mao hd f l pl bc bf p

l pl MLIP" Ff elb bhc l pl bc bf f ybc ybh q{y* p d* f yf ibh c

y} fco plf ycf ycl SCYB coy bh cl{ q{" Ff elb bhc l pl MLIP j f yc*

fcl yly fb f po bcbh cb fc fa c ycbh SCYB clb cbc"

$ Y bcbh elb bhc cob yclb c ycbh SCYB* j{b pb s| ibh dy

c ycbh SCYB dl yca| yc fco c ycbh sw cbh yb bcld clb cbc" C ycbh

SCYB d j{b pb elb bhc v | cb* bc hl y}b bcl{ eca fbc f bc

cbh b coy bh fa ioabc bhclw* bcy j ff fc yl{ wcl yl fcbc j{b pb a

}a b =< fc yl{ yca| yc fco 1= fc yl{" Ecl SCYB ycko wcbh wcw sw cbh yb

bcld dl fcf fcb ey q{ sw cbh v wcb bc fcbc sf cb ybc cbc coy bh

fa ecfc cbh"

SCYB j bc hl df }l }o fa bhl pa|* ec bbh y} b y}obh ybh jal

fa bhl l pa|" Dy c ycbh sw cbh yb bcld | wcl mao q{y cy f ff

bl i{bh p ybc cbc yl fcbc* ybc cbc elbc ioabc p bhbc bhc d ioabc bhclw

abh elbc ioabc* c ycbh sw cbh wcl f ey f ylbc coa y}b yc hll bcbh

bh ycl pb wcl wc cw pl l{ elb elbc y* dl y}bh elbc ioabc fa Ply Bad"

Y}obh ec{b ec fa yl* j{b pb fb cb fc j fca bhclb f{ s|

ibh fcbh y}bc lb yob ycf clb sw cbh y bh ecl bhl ycf clb sw

cbh fc fb bcw i jl{ po fcbh y}bc* ff y}bh cw l pl sw cbh bcbh

ioabc bhclw dl fca f q{ab c yb ibh* bcbh ioabc bhclw dl ycbc jw " fco wcbh wcw SCYB cob yclb cb* y}obh q{ y}bc ycf clb fb wcl ylw yf

bhclb f{ p cob yclb bcbh pb fca cob yclb"


89/98

Y}abh 3

HOÀN THIỆN PHƯƠNG PHÁP XẾP HẠNG TÍN NHIỆM KHÁCH HÀNG DOANH NGHIỆP TẠI NGÂN...

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