00475naa#a2200169#i#450# EN\INFRA-M\bibl\14957 20260123043047.5 2500-333X 20161201b2016####ek#y0engy0150####ca RUS RU Returning of Insurance Payment in Credit Practice Journal article Moscow INFRA-M Academic Publishing LLC. 2016 0 с. Journal article local Ermilov Evgeniy zh-szf.ru