00584naa#a2200181#i#450# EN\\bibl\4146 20250126194250.7 1995-042X 20141202b2014####ek#y0engy0150####ca RUS RU Modern points of view on the natural person problem loans management system construction in the commercial banks Journal article CHERKIZOVO Russian State University of Tourism and Service 2014 12 с. Journal article local Anashkina Elena Zaernyuk Viktor zh-szf.ru