00642naa#a2200169#i#450# EN\\bibl\96735 20250704064848.5 2782-4586 20241231b2024####ek#y0engy0150####ca RU Commercial Bank's Credit Policy: theoretical foundations, strategic priorities, and the role of digitalization in risk management Journal article Moscow ITBO University 2024 4 с. Journal article local Экономические науки в целом. Политическая экономия. 330 Iskandarova Rashidat Rabadanovna jomeam.ru