{"id":702,"date":"2019-05-07T18:58:49","date_gmt":"2019-05-07T15:58:49","guid":{"rendered":"http:\/\/www.oracletoday.org\/?p=702"},"modified":"2019-05-07T18:58:49","modified_gmt":"2019-05-07T15:58:49","slug":"%ce%b1%ce%bd%cf%84%ce%b9%ce%bc%ce%ad%cf%84%cf%89%cf%80%ce%b7-%ce%bc%ce%b5-%cf%84%ce%b7-%cf%86%cf%84%cf%8e%cf%87%ce%b5%ce%b9%ce%b1-%ce%b2%cf%81%ce%af%cf%83%ce%ba%ce%b5%cf%84%ce%b1%ce%b9-%ce%b7-%ce%bc","status":"publish","type":"post","link":"http:\/\/www.oracletoday.org\/?p=702","title":{"rendered":"\u0391\u03bd\u03c4\u03b9\u03bc\u03ad\u03c4\u03c9\u03c0\u03b7 \u03bc\u03b5 \u03c4\u03b7 \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7 \u03ba\u03b1\u03b9 \u03cc\u03c0\u03c9\u03c2 \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03b7 Alpha Bank"},"content":{"rendered":"<p><img fetchpriority=\"high\" class=\"aligncenter size-large wp-image-703\" src=\"http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss-1024x681.png\" alt=\"\" width=\"616\" height=\"410\" srcset=\"http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss-1024x681.png 1024w, http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss-300x199.png 300w, http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss-768x511.png 768w, http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss-816x543.png 816w, http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss.png 1110w\" sizes=\"(max-width: 616px) 100vw, 616px\" \/><\/p>\n<p><em>\u0391\u03bd\u03c4\u03b9\u03bc\u03ad\u03c4\u03c9\u03c0\u03b7 \u03bc\u03b5 \u03c4\u03b7 \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7 \u03ba\u03b1\u03b9 \u03cc\u03c0\u03c9\u03c2 \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03b7 Alpha Bank, o\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c0\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03c3\u03c5\u03c1\u03c1\u03af\u03ba\u03bd\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c3\u03c4\u03b1 \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03ba\u03c1\u03af\u03c3\u03b7\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b5\u03c1\u03ac\u03c3\u03c4\u03b9\u03b5\u03c2.<\/em><\/p>\n<p><strong><em>\u0393\u03c1\u03ac\u03c6\u03b5\u03b9 \u03b7 Gillian Rothschild<\/em><\/strong><\/p>\n<p><em>\u038c\u03c0\u03c9\u03c2 \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03bf\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03c4\u03b7\u03c2, \u03b7 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae \u03ba\u03c1\u03af\u03c3\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03bf\u03c0\u03bf\u03af\u03b1 \u03b4\u03b9\u03ae\u03bb\u03b8\u03b5 \u03b7 \u03c7\u03ce\u03c1\u03b1, \u03ac\u03c6\u03b7\u03c3\u03b5 \u03c4\u03bf \u03b1\u03c0\u03bf\u03c4\u03cd\u03c0\u03c9\u03bc\u03ac \u03c4\u03b7\u03c2 \u03c4\u03cc\u03c3\u03bf \u03c3\u03c4\u03b1 \u03c0\u03b9\u03bf \u03b1\u03b4\u03cd\u03bd\u03b1\u03bc\u03b1 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ac \u03c3\u03c4\u03c1\u03ce\u03bc\u03b1\u03c4\u03b1, \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7, \u03b5\u03c0\u03b9\u03b4\u03b5\u03b9\u03bd\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf \u03b2\u03b9\u03bf\u03c4\u03b9\u03ba\u03cc \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03c4\u03c9\u03bd \u03c0\u03bf\u03bb\u03b9\u03c4\u03ce\u03bd.<\/em><\/p>\n<p><em>\u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7\u03bd \u0388\u03c1\u03b5\u03c5\u03bd\u03b1 \u0395\u03b9\u03c3\u03bf\u03b4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03b8\u03b7\u03ba\u03ce\u03bd \u0394\u03b9\u03b1\u03b2\u03af\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u039d\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03b9\u03ce\u03bd (2018) \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a3\u03c4\u03b1\u03c4\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u03a5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b1\u03c2 (\u0395\u039b\u03a3\u03a4\u0391\u03a4), \u03c4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c4\u03bf\u03c5 \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03bf\u03cd \u03c0\u03bf\u03c5 \u03b2\u03c1\u03b9\u03c3\u03ba\u03cc\u03c4\u03b1\u03bd \u03c4\u03bf 2017 \u03c3\u03b5 \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1\u03c2 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03bf 20,2%, \u03bc\u03b5\u03c4\u03ac \u03c4\u03b9\u03c2 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ad\u03c2 \u03bc\u03b5\u03c4\u03b1\u03b2\u03b9\u03b2\u03ac\u03c3\u03b5\u03b9\u03c2.<\/em><\/p>\n<p><em>\u03a4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03b1\u03c5\u03c4\u03cc \u03b1\u03c6\u03bf\u03c1\u03ac \u03c3\u03c4\u03b1 \u03ac\u03c4\u03bf\u03bc\u03b1 \u03c0\u03bf\u03c5 \u03b6\u03bf\u03c5\u03bd \u03c3\u03b5 \u03bd\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03b9\u03ac \u03c4\u03c9\u03bd \u03bf\u03c0\u03bf\u03af\u03c9\u03bd \u03c4\u03bf \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03cc \u03b9\u03c3\u03bf\u03b4\u03cd\u03bd\u03b1\u03bc\u03bf \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03bf \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03c4\u03bf\u03c5 60% \u03c4\u03bf\u03c5 \u03b5\u03b8\u03bd\u03b9\u03ba\u03bf\u03cd \u03b4\u03b9\u03b1\u03bc\u03ad\u03c3\u03bf\u03c5 \u03b9\u03c3\u03bf\u03b4\u03cd\u03bd\u03b1\u03bc\u03bf\u03c5 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03bf\u03c5 \u03b5\u03b9\u03c3\u03bf\u03b4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2.<\/em><\/p>\n<p><em>\u03a0\u03c1\u03cc\u03ba\u03b5\u03b9\u03c4\u03b1\u03b9 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ce\u03c2 \u03b3\u03b9\u03b1 \u03ad\u03bd\u03b1 \u03bc\u03ad\u03c4\u03c1\u03bf \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c5\u03c0\u03cc \u03b1\u03c5\u03c4\u03ae\u03bd \u03c4\u03b7\u03bd \u03ad\u03bd\u03bd\u03bf\u03b9\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u03ad\u03bd\u03b4\u03b5\u03b9\u03be\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b9\u03c3\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c3\u03c4\u03bf\u03bd \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03cc \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03bf\u03cd \u03b1\u03c0\u03bf\u03ba\u03bb\u03b5\u03b9\u03c3\u03bc\u03bf\u03cd. \u03a4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03bf\u03cd \u03c3\u03b5 \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03ae\u03c4\u03b1\u03bd 19,6% \u03c4\u03bf 2005 \u03ba\u03b1\u03b9 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03b1\u03b4\u03b9\u03b1\u03ba\u03ac \u03ad\u03c9\u03c2 \u03c4\u03bf 2012, \u03c6\u03b8\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b5 \u03c3\u03c4\u03bf 23,1%, \u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bc\u03b5\u03b9\u03bf\u03cd\u03bc\u03b5\u03bd\u03bf \u03b1\u03c0\u03cc \u03c4\u03bf 2014 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c4\u03ac. \u0397 \u03bc\u03b9\u03ba\u03c1\u03ae \u03ba\u03ac\u03bc\u03c8\u03b7 \u03c4\u03bf\u03c5 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03bf\u03cd \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03ba\u03b1\u03c4\u03b1\u03b3\u03c1\u03ac\u03c6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf 2014, \u03c3\u03c5\u03bd\u03b4\u03ad\u03b5\u03c4\u03b1\u03b9 \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03bc\u03b5 \u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b5\u03c1\u03b3\u03af\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf \u03a6\u03b8\u03b9\u03bd\u03cc\u03c0\u03c9\u03c1\u03bf \u03c4\u03bf\u03c5 2013 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c4\u03ac.<\/em><\/p>\n<p><em>\u03a0\u03bb\u03ae\u03b3\u03bc\u03b1 \u03c3\u03c4\u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7<\/em><\/p>\n<p><em>\u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7\u03bd Alpha Bank, \u03c0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1 \u03c4\u03b1 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1, \u03c4\u03cc\u03c3\u03bf \u03c3\u03c4\u03b7 \u03c7\u03ce\u03c1\u03b1 \u03bc\u03b1\u03c2 \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c0\u03b1\u03b3\u03ba\u03bf\u03c3\u03bc\u03af\u03c9\u03c2, \u03c6\u03b1\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03ad\u03c7\u03b5\u03b9 \u03c0\u03bb\u03b7\u03b3\u03b5\u03af \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7, \u03c6\u03b1\u03b9\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf \u03c0\u03bf\u03c5 \u03ad\u03c7\u03b5\u03b9 \u03c4\u03b5\u03b8\u03b5\u03af \u03c3\u03c4\u03bf \u03bc\u03b9\u03ba\u03c1\u03bf\u03c3\u03ba\u03cc\u03c0\u03b9\u03bf \u03b4\u03b9\u03b5\u03b8\u03bd\u03ce\u03bd \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03c3\u03bc\u03ce\u03bd, \u03cc\u03c0\u03c9\u03c2 \u03bf \u039f\u03c1\u03b3\u03b1\u03bd\u03b9\u03c3\u03bc\u03cc\u03c2 \u039f\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae\u03c2 \u03a3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u0391\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 (\u039f\u039f\u03a3\u0391) \u03ba\u03b1\u03b9 \u03c4\u03bf \u0394\u03b9\u03b5\u03b8\u03bd\u03ad\u03c2 \u039d\u03bf\u03bc\u03b9\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc \u03a4\u03b1\u03bc\u03b5\u03af\u03bf.<\/em><\/p>\n<p><strong><em>\u038c\u03c0\u03c9\u03c2 \u03b5\u03be\u03b7\u03b3\u03bf\u03cd\u03bd \u03bf\u03b9 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03bf\u03b9 \u03c4\u03b7\u03c2, \u03c4\u03bf \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03b4\u03b9\u03b1\u03b2\u03af\u03c9\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c3\u03c5\u03bd\u03b9\u03c3\u03c4\u03ac \u03ad\u03bd\u03b1 \u03ba\u03c1\u03af\u03c3\u03b9\u03bc\u03bf \u03bc\u03ad\u03b3\u03b5\u03b8\u03bf\u03c2, \u03b1\u03c6\u03bf\u03cd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03bf \u03bc\u03af\u03b1\u03c2 \u03b5\u03cd\u03c1\u03c5\u03b8\u03bc\u03b7\u03c2 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03b9\u03b1\u03c2 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03af\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c3\u03c5\u03bd\u03bf\u03c7\u03ae (OECD, Under Pressure: The Squeezed Middle Class, \u0391\u03c0\u03c1\u03af\u03bb\u03b9\u03bf\u03c2 2019).<\/em><\/strong><\/p>\n<p><em>\u00abH \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7 \u03c3\u03c5\u03bc\u03b2\u03ac\u03bb\u03bb\u03b5\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03ac\u03bb\u03c9\u03c3\u03b7, \u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03bc\u03ad\u03c1\u03bf\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c4\u03bf\u03bc\u03b5\u03af\u03c2 \u03c4\u03b7\u03c2 \u03b5\u03ba\u03c0\u03b1\u03af\u03b4\u03b5\u03c5\u03c3\u03b7\u03c2, \u03c4\u03b7\u03c2 \u03c5\u03b3\u03b5\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03b1\u03b3\u03c9\u03b3\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1, \u03b5\u03bd\u03ce \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03c4\u03bf \u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ae\u03c2 \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7\u03c2 \u03bc\u03ad\u03c3\u03c9 \u03c4\u03b7\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2\u00bb \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac.<\/em><\/p>\n<p><em>\u039f\u03b9 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03bf\u03b9 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03b7 \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1, \u03bf\u03cd\u03c4\u03c9\u03c2 \u03ce\u03c3\u03c4\u03b5 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b5\u03b3\u03b3\u03af\u03c3\u03b5\u03b9 \u03c4\u03bf\u03c5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03bf\u03bd \u03c4\u03bf \u03bc\u03ad\u03c3\u03bf \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03c4\u03c9\u03bd \u03c7\u03c9\u03c1\u03ce\u03bd \u03c4\u03bf\u03c5 \u039f\u039f\u03a3\u0391, \u03c5\u03c0\u03b1\u03b3\u03bf\u03c1\u03b5\u03cd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03bc\u03b5\u03c4\u03ce\u03c0\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03bf\u03b9\u03ba\u03af\u03bb\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03b7\u03bc\u03ac\u03c4\u03c9\u03bd \u03c3\u03c4\u03b7\u03bd \u03b1\u03b3\u03bf\u03c1\u03ac \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03b9\u03b4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c4\u03b1 \u03b6\u03b7\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03c5\u03c8\u03b7\u03bb\u03ae\u03c2 \u03b1\u03bd\u03b5\u03c1\u03b3\u03af\u03b1\u03c2 \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd, \u03c4\u03bf\u03c5 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ac \u03c5\u03c8\u03b7\u03bb\u03bf\u03cd \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03bf\u03cd \u03c4\u03c9\u03bd \u03bc\u03b1\u03ba\u03c1\u03bf\u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03b1\u03bd\u03ad\u03c1\u03b3\u03c9\u03bd \u03c3\u03c4\u03b7 \u03c7\u03ce\u03c1\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03c0\u03bb\u03ae\u03c1\u03bf\u03c5\u03c2 \u03b1\u03c0\u03b1\u03c3\u03c7\u03cc\u03bb\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c5\u03c8\u03b7\u03bb\u03ae\u03c2 \u03b5\u03be\u03b5\u03b9\u03b4\u03af\u03ba\u03b5\u03c5\u03c3\u03b7\u03c2 (\u03ba\u03b1\u03b9 \u03b1\u03bc\u03bf\u03b9\u03b2\u03ae\u03c2) \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03c9\u03bd \u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03bc\u03b5\u03c1\u03b9\u03ba\u03ae\u03c2 \u03b1\u03c0\u03b1\u03c3\u03c7\u03cc\u03bb\u03b7\u03c3\u03b7\u03c2.<\/em><\/p>\n<p><em>\u039f\u03b9 \u03bd\u03ad\u03bf\u03b9 \u03ad\u03c9\u03c2 30 \u03b5\u03c4\u03ce\u03bd<\/em><\/p>\n<p><em>\u038c\u03c0\u03c9\u03c2 \u03b1\u03bd\u03ad\u03b4\u03b5\u03b9\u03be\u03b5 \u03b7 \u03bc\u03b5\u03bb\u03ad\u03c4\u03b7 \u03c4\u03bf\u03c5 \u039f\u039f\u03a3\u0391, \u03c4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd \u03b7\u03bb\u03b9\u03ba\u03af\u03b1\u03c2 20-30 \u03b5\u03c4\u03ce\u03bd, \u03bf\u03b9 \u03bf\u03c0\u03bf\u03af\u03bf\u03b9 \u03b1\u03bd\u03ae\u03ba\u03bf\u03c5\u03bd \u03c3\u03c4\u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7, \u03bc\u03b5\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 \u03b4\u03b9\u03b5\u03b8\u03bd\u03ad\u03c2 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf, \u03b1\u03c0\u03cc 68% \u03c3\u03c4\u03b7 \u03b3\u03b5\u03bd\u03b9\u03ac \u03c4\u03c9\u03bd \u00abbaby-boomers\u00bb (\u03b3\u03b5\u03bd\u03bd\u03b7\u03b8\u03ad\u03bd\u03c4\u03b5\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd 1943-1964), \u03c3\u03c4\u03bf 64% \u03c3\u03c4\u03b7 \u03bb\u03b5\u03b3\u03cc\u03bc\u03b5\u03bd\u03b7 Generation X (\u03b3\u03b5\u03bd\u03bd\u03b7\u03b8\u03ad\u03bd\u03c4\u03b5\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd 1965-1982) \u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf 60% \u03c3\u03c4\u03b7 \u03b3\u03b5\u03bd\u03b9\u03ac \u03c4\u03c9\u03bd Millennials (\u03b3\u03b5\u03bd\u03bd\u03b7\u03b8\u03ad\u03bd\u03c4\u03b5\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd 1983-2002).<\/em><\/p>\n<p><strong><em>\u00ab\u0397 \u03c6\u03b8\u03af\u03bd\u03bf\u03c5\u03c3\u03b1 \u03c0\u03bf\u03c1\u03b5\u03af\u03b1 \u03c4\u03bf\u03c5 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03bf\u03cd \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b1\u03bd\u03ae\u03ba\u03bf\u03c5\u03bd \u03c3\u03c4\u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7 \u03bf\u03c6\u03b5\u03af\u03bb\u03b5\u03c4\u03b1\u03b9 \u03b5\u03bd \u03c0\u03bf\u03bb\u03bb\u03bf\u03af\u03c2 \u03c3\u03c4\u03bf \u03c5\u03c8\u03b7\u03bb\u03cc \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03bc\u03b5\u03c4\u03b1\u03c0\u03bf\u03bb\u03b5\u03bc\u03b9\u03ba\u03bf\u03cd \u03c0\u03c1\u03bf\u03c4\u03cd\u03c0\u03bf\u03c5 \u03b4\u03b9\u03b1\u03b2\u03af\u03c9\u03c3\u03b7\u03c2, \u03c3\u03c4\u03b7 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ae \u03c3\u03c4\u03b1\u03c3\u03b9\u03bc\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03b1\u03bc\u03bf\u03b9\u03b2\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03c5\u03c8\u03b7\u03bb\u03ae \u03bc\u03b5\u03c4\u03b1\u03b2\u03bb\u03b7\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03b1\u03c3\u03c7\u03cc\u03bb\u03b7\u03c3\u03b7\u03c2 \u03c4\u03b9\u03c2 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b5\u03c2 \u03b4\u03b5\u03ba\u03b1\u03b5\u03c4\u03af\u03b5\u03c2\u00bb \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03af\u03b4\u03b9\u03b1 \u03bc\u03b5\u03bb\u03ad\u03c4\u03b7.<\/em><\/strong><\/p>\n<p><em>\u0397 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03c3\u03c5\u03bd\u03b4\u03ad\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf \u03b2\u03b1\u03b8\u03bc\u03cc \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b5\u03bd \u03b5\u03be\u03b5\u03bb\u03af\u03be\u03b5\u03b9 \u03b1\u03c5\u03c4\u03bf\u03bc\u03b1\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b1\u03c0\u03b5\u03b9\u03bb\u03b5\u03af \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03c4\u03bf 17,6% \u03c4\u03c9\u03bd \u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c3\u03c4\u03bf\u03bd \u039f\u039f\u03a3\u0391 \u03ba\u03b1\u03b9 \u03c4\u03bf 23,1% \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1.<\/em><\/p>\n<p><em>\u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1, \u03b7 \u03b3\u03b5\u03bd\u03b9\u03ba\u03ae \u03b1\u03c0\u03bf\u03b5\u03c0\u03ad\u03bd\u03b4\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1\u03c2 \u03b4\u03b5\u03ba\u03b1\u03b5\u03c4\u03af\u03b1\u03c2, \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03c3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u0388\u03c1\u03b5\u03c5\u03bd\u03b1\u03c2 \u03ba\u03b1\u03b9 \u0391\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2, \u03c3\u03c5\u03bd\u03c4\u03b7\u03c1\u03b5\u03af \u03c4\u03b7\u03bd \u03c5\u03c8\u03b7\u03bb\u03ae \u03bc\u03b1\u03ba\u03c1\u03bf\u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03b1\u03bd\u03b5\u03c1\u03b3\u03af\u03b1 \u03ba\u03b1\u03b9 \u03b4\u03c5\u03c3\u03c7\u03b5\u03c1\u03b1\u03af\u03bd\u03b5\u03b9 \u03c4\u03b7 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2 \u03b5\u03be\u03b5\u03b9\u03b4\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03c9\u03bd \u03b4\u03b5\u03be\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03bd\u03ad\u03bf\u03c5\u03c2 \u03bc\u03b5 \u03c5\u03c8\u03b7\u03bb\u03cc \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03b5\u03ba\u03c0\u03b1\u03af\u03b4\u03b5\u03c5\u03c3\u03b7\u03c2.<\/em><\/p>\n<p><em>\u03a9\u03c2 \u03b5\u03ba \u03c4\u03bf\u03cd\u03c4\u03bf\u03c5, \u03c4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c4\u03bf\u03c5 \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03bf\u03cd \u03c4\u03bf \u03bf\u03c0\u03bf\u03af\u03bf \u03b1\u03bc\u03b5\u03af\u03b2\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc \u03c4\u03bf 75% \u03c4\u03bf\u03c5 \u03b4\u03b9\u03b1\u03bc\u03ad\u03c3\u03bf\u03c5 \u03b5\u03b9\u03c3\u03bf\u03b4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af\u03c4\u03b1\u03b9 \u03c5\u03c8\u03b7\u03bb\u03cc.<\/em><\/p>\n<p><em>\u0397 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae \u03c4\u03b7\u03c2 \u03c4\u03ac\u03c3\u03b7\u03c2<\/em><\/p>\n<p><em>\u03a0\u03c9\u03c2 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03cc\u03bc\u03c9\u03c2 \u03bd\u03b1 \u03b5\u03bd\u03b9\u03c3\u03c7\u03c5\u03b8\u03b5\u03af \u03c4\u03bf \u03bc\u03ad\u03b3\u03b5\u03b8\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03c4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c0\u03bb\u03b7\u03b8\u03c5\u03c3\u03bc\u03bf\u03cd \u03c0\u03bf\u03c5 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1\u03c2;<\/em><\/p>\n<p><em>\u03a9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03b1\u03c5\u03c4\u03cc, \u03b7 Alpha Bank \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03c4\u03b1 \u03b5\u03be\u03ae\u03c2 \u03c3\u03b7\u03bc\u03b5\u03af\u03b1:<\/em><\/p>\n<p><em>\u03a0\u03c1\u03ce\u03c4\u03bf\u03bd, \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c3\u03ba\u03bf\u03c0\u03cc \u03b1\u03c5\u03c4\u03cc \u03b1\u03c0\u03b1\u03b9\u03c4\u03b5\u03af\u03c4\u03b1\u03b9 \u03b7 \u03bf\u03c1\u03b8\u03cc\u03c4\u03b5\u03c1\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03ba\u03b1\u03b9\u03cc\u03c4\u03b5\u03c1\u03b7 \u03ba\u03b1\u03c4\u03b1\u03bd\u03bf\u03bc\u03ae \u03c4\u03c9\u03bd \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ce\u03bd \u03b4\u03b1\u03c0\u03b1\u03bd\u03ce\u03bd, \u03c0\u03c1\u03bf\u03cb\u03c0\u03cc\u03b8\u03b5\u03c3\u03b7 \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u2013 \u03cc\u03c0\u03c9\u03c2 \u03b8\u03b1 \u03b4\u03bf\u03cd\u03bc\u03b5 \u03c3\u03c4\u03bf \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03b5\u03b4\u03ac\u03c6\u03b9\u03bf \u2013 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03bc\u03c6\u03af\u03b2\u03bf\u03bb\u03bf \u03cc\u03c4\u03b9 \u03b9\u03ba\u03b1\u03bd\u03bf\u03c0\u03bf\u03b9\u03b5\u03af\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1.<\/em><\/p>\n<p><em>\u0394\u03b5\u03cd\u03c4\u03b5\u03c1\u03bf\u03bd, \u03cc\u03c0\u03c9\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b5\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u039f\u039f\u03a3\u0391, \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c0\u03b1\u03c1\u03b1\u03af\u03c4\u03b7\u03c4\u03b7 \u03b7 \u03b1\u03bd\u03bf\u03b9\u03ba\u03bf\u03b4\u03cc\u03bc\u03b7\u03c3\u03b7 \u03ba\u03b1\u03c4\u03bf\u03b9\u03ba\u03b9\u03ce\u03bd \u03bf\u03b9 \u03bf\u03c0\u03bf\u03af\u03b5\u03c2 \u03b8\u03b1 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b1 \u03bc\u03b5\u03bb\u03bb\u03bf\u03bd\u03c4\u03b9\u03ba\u03ac \u03b5\u03b9\u03c3\u03bf\u03b4\u03ae\u03bc\u03b1\u03c4\u03b1 (affordability).<\/em><\/p>\n<p><em>\u03a4\u03c1\u03af\u03c4\u03bf\u03bd, \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae \u03b7 \u03b5\u03bd\u03b5\u03c1\u03b3\u03cc\u03c2 \u03c5\u03c0\u03bf\u03c3\u03c4\u03ae\u03c1\u03b9\u03be\u03b7 \u03c4\u03b7\u03c2 \u03bd\u03b5\u03b1\u03bd\u03b9\u03ba\u03ae\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2, \u03bc\u03ad\u03c3\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03bf\u03c7\u03ae \u03b9\u03c3\u03c7\u03c5\u03c1\u03ce\u03bd \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ce\u03bd \u03ba\u03b9\u03bd\u03ae\u03c4\u03c1\u03c9\u03bd, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b8\u03b1 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03c3\u03b5 \u03bd\u03b1 \u03bf\u03b4\u03b7\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae \u03c4\u03bf\u03c5 \u03c6\u03b1\u03b9\u03bd\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03c4\u03b7\u03c2 \u03b4\u03b9\u03b1\u03c1\u03c1\u03bf\u03ae\u03c2 \u03b1\u03bd\u03b8\u03c1\u03c9\u03c0\u03af\u03bd\u03bf\u03c5 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 (brain drain).<\/em><\/p>\n<p><em>\u03a3\u03c4\u03bf \u03c3\u03b7\u03bc\u03b5\u03af\u03bf \u03b1\u03c5\u03c4\u03cc, \u03b1\u03be\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03bf \u03ba\u03b1\u03b8\u03bf\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc\u03c2 \u03c1\u03cc\u03bb\u03bf\u03c2 \u03c0\u03bf\u03c5 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03b4\u03b9\u03b1\u03b4\u03c1\u03b1\u03bc\u03b1\u03c4\u03af\u03c3\u03b5\u03b9 \u03b7 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7 \u03c3\u03c4\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03ba\u03b1\u03b9\u03bd\u03bf\u03c4\u03cc\u03bc\u03b5\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c0\u03c1\u03c9\u03c4\u03bf\u03b2\u03bf\u03c5\u03bb\u03af\u03b5\u03c2.<\/em><\/p>\n<p><em>\u03a4\u03ad\u03c4\u03b1\u03c1\u03c4\u03bf\u03bd, \u03b1\u03c0\u03b1\u03b9\u03c4\u03b5\u03af\u03c4\u03b1\u03b9 \u03bf \u03c3\u03c7\u03b5\u03b4\u03b9\u03b1\u03c3\u03bc\u03cc\u03c2 \u03bc\u03b9\u03b1\u03c2 \u03bc\u03b1\u03ba\u03c1\u03cc\u03c0\u03bd\u03bf\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c0\u03bf\u03bb\u03b9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03b4\u03b5\u03be\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd \u03c4\u03c9\u03bd \u03bc\u03b1\u03ba\u03c1\u03bf\u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03b1\u03bd\u03ad\u03c1\u03b3\u03c9\u03bd, \u03bc\u03ad\u03c3\u03b1 \u03b1\u03c0\u03cc \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03b1 \u03b5\u03c0\u03b1\u03b3\u03b3\u03b5\u03bb\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae\u03c2 \u03ba\u03b1\u03c4\u03ac\u03c1\u03c4\u03b9\u03c3\u03b7\u03c2, \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03b7 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03b5\u03ba\u03c0\u03b1\u03b9\u03b4\u03b5\u03c5\u03c4\u03b9\u03ba\u03bf\u03cd \u03c3\u03c5\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ad\u03c2 \u03b4\u03b5\u03be\u03b9\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03bf\u03b9 \u03bf\u03c0\u03bf\u03af\u03b5\u03c2 \u03b8\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c0\u03c4\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03c4\u03bf\u03c5 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\u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u0395\u039b\u03a3\u03a4\u0391\u03a4 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c5\u03bb\u03b9\u03ba\u03ae \u03c5\u03c3\u03c4\u03ad\u03c1\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c3\u03c5\u03bd\u03b8\u03ae\u03ba\u03b5\u03c2 \u03b4\u03b9\u03b1\u03b2\u03af\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03bd\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03ce\u03bd \u03b3\u03b9\u03b1 \u03c4\u03bf 2017, \u03c4\u03b1 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03ac \u03c4\u03c9\u03bd \u03c6\u03c4\u03c9\u03c7\u03ce\u03bd \u03bd\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03b9\u03ce\u03bd \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b4\u03c5\u03c3\u03ba\u03bf\u03bb\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03c0\u03bf\u03c0\u03bb\u03b7\u03c1\u03ce\u03c3\u03bf\u03c5\u03bd \u03ad\u03b3\u03ba\u03b1\u03b9\u03c1\u03b1 \u03c4\u03b9\u03c2 \u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ce\u03bd \u03ba\u03b1\u03c1\u03c4\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2, \u03c4\u03c9\u03bd \u03c0\u03ac\u03b3\u03b9\u03c9\u03bd \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03b5\u03bd\u03bf\u03b9\u03ba\u03af\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03bf\u03b9\u03ba\u03af\u03b1 \u03ae \u03c4\u03b7\u03bd \u03b4\u03cc\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c3\u03c4\u03b5\u03b3\u03b1\u03c3\u03c4\u03b9\u03ba\u03bf\u03cd \u03c4\u03bf\u03c5\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03bf\u03c5 \u03b1\u03bd\u03ad\u03c1\u03c7\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf 71,2%, 56,5% \u03ba\u03b1\u03b9 53% \u03c4\u03bf\u03c5 \u03c3\u03c5\u03bd\u03cc\u03bb\u03bf\u03c5 \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1. \u03a4\u03b1 \u03b5\u03bd \u03bb\u03cc\u03b3\u03c9 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03ac \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c9\u03c3\u03c4\u03cc\u03c3\u03bf \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf 2016 (85%, 62,3% \u03ba\u03b1\u03b9 63,4% \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1).<\/em><\/p>\n<p><strong><em>\u0394\u03b5\u03cd\u03c4\u03b5\u03c1\u03bf\u03bd,<\/em><\/strong><em>\u00a0\u03b8\u03ad\u03c4\u03bf\u03c5\u03bd \u03c3\u03b5 \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03c4\u03bf\u03c5\u03c2 \u03b4\u03b7\u03bc\u03bf\u03c3\u03b9\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b5\u03be\u03b1\u03c3\u03b8\u03b5\u03bd\u03bf\u03cd\u03bd \u03c4\u03b7 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03bd\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03b9\u03ce\u03bd \u03bd\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c8\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c5\u03c0\u03bf\u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2, \u03b5\u03bd\u03ce \u03ad\u03c7\u03bf\u03c5\u03bd \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7 \u03c3\u03c5\u03c3\u03c3\u03ce\u03c1\u03b5\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03ba\u03ba\u03c1\u03b5\u03bc\u03ce\u03bd \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03c5\u03c0\u03bf\u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03c9\u03bd \u03c4\u03c9\u03bd \u03b9\u03b4\u03b9\u03c9\u03c4\u03ce\u03bd \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03b4\u03b7\u03bc\u03cc\u03c3\u03b9\u03bf.<\/em><\/p>\n<p><strong><em>\u03a4\u03c1\u03af\u03c4\u03bf\u03bd<\/em><\/strong><em>, \u03b8\u03ad\u03c4\u03bf\u03c5\u03bd \u03c0\u03c1\u03bf\u03c3\u03ba\u03cc\u03bc\u03bc\u03b1\u03c4\u03b1 \u03c3\u03c4\u03b7\u03bd \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7 \u03b4\u03b9\u03b1\u03c1\u03c1\u03bf\u03ae \u03c4\u03bf\u03c5 \u03b5\u03be\u03b5\u03b9\u03b4\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03bf\u03c5 \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03bf\u03c5 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03bf\u03cd \u03c3\u03c4\u03bf \u03b5\u03be\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03cc (brain drain), \u03bc\u03b5 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03b7 \u03c7\u03ce\u03c1\u03b1 \u03bd\u03b1 \u03c5\u03c6\u03af\u03c3\u03c4\u03b1\u03c4\u03b1\u03b9 \u03b1\u03c0\u03ce\u03bb\u03b5\u03b9\u03b5\u03c2 \u03c0\u03bf\u03bb\u03cd\u03c4\u03b9\u03bc\u03bf\u03c5 \u03b1\u03bd\u03b8\u03c1\u03c9\u03c0\u03af\u03bd\u03bf\u03c5 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5, \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03bc\u03b5\u03b9\u03c9\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b5\u03b9\u03c3\u03c6\u03bf\u03c1\u03ad\u03c2 \u03c3\u03c4\u03b7\u03bd \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ae \u03b1\u03c3\u03c6\u03ac\u03bb\u03b9\u03c3\u03b7.<\/em><\/p>\n<p><strong><em>\u03a4\u03ad\u03c4\u03b1\u03c1\u03c4\u03bf\u03bd,<\/em><\/strong><em>\u00a0\u03bf\u03b4\u03b7\u03b3\u03b5\u03af \u03c3\u03c4\u03b7\u03bd \u03c5\u03c0\u03bf\u03b5\u03c0\u03ad\u03bd\u03b4\u03c5\u03c3\u03b7 \u03c3\u03b5 \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03bf \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf (under-investment in human capital), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf \u03bc\u03ad\u03c1\u03bf\u03c2 \u03c4\u03c9\u03bd \u03c6\u03c4\u03c9\u03c7\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03bd\u03bf\u03b9\u03ba\u03bf\u03ba\u03c5\u03c1\u03b9\u03ce\u03bd \u03b1\u03b4\u03c5\u03bd\u03b1\u03c4\u03b5\u03af \u03bd\u03b1 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03bf\u03c4\u03ae\u03c3\u03b5\u03b9 \u03c4\u03b1 \u03ad\u03be\u03bf\u03b4\u03b1 \u03c3\u03c0\u03bf\u03c5\u03b4\u03ce\u03bd \u03b5\u03ba\u03c4\u03cc\u03c2 \u03c4\u03bf\u03c5 \u03c4\u03cc\u03c0\u03bf\u03c5 \u03ba\u03b1\u03c4\u03bf\u03b9\u03ba\u03af\u03b1\u03c2.<\/em><\/p>\n<p><strong><em>\u03a0\u03ad\u03bc\u03c0\u03c4\u03bf\u03bd<\/em><\/strong><em>, \u03bf\u03b9 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ad\u03c2 \u03b1\u03bd\u03b9\u03c3\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1\u03c2, \u03c3\u03b5 \u03c3\u03c5\u03bd\u03b4\u03c5\u03b1\u03c3\u03bc\u03cc \u03bc\u03b5 \u03c4\u03b7\u03bd \u03bc\u03b1\u03ba\u03c1\u03bf\u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03b1\u03bd\u03b5\u03c1\u03b3\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c5\u03c8\u03b7\u03bb\u03ae \u03b1\u03bd\u03b5\u03c1\u03b3\u03af\u03b1 \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd \u03ad\u03c7\u03bf\u03c5\u03bd \u03b1\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c0\u03b9\u03b4\u03c1\u03ac\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03b7\u03bd \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ae \u03c3\u03c5\u03bd\u03bf\u03c7\u03ae.<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0391\u03bd\u03c4\u03b9\u03bc\u03ad\u03c4\u03c9\u03c0\u03b7 \u03bc\u03b5 \u03c4\u03b7 \u03c6\u03c4\u03ce\u03c7\u03b5\u03b9\u03b1 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1 \u03c4\u03ac\u03be\u03b7 \u03ba\u03b1\u03b9 \u03cc\u03c0\u03c9\u03c2 \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03b7 Alpha Bank, o\u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c0\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03c3\u03c5\u03c1\u03c1\u03af\u03ba\u03bd\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c3\u03b1\u03af\u03b1\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c3\u03c4\u03b1 \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03ba\u03c1\u03af\u03c3\u03b7\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b5\u03c1\u03ac\u03c3\u03c4\u03b9\u03b5\u03c2. \u0393\u03c1\u03ac\u03c6\u03b5\u03b9 &hellip; <a href=\"http:\/\/www.oracletoday.org\/?p=702\" class=\"more-link\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":703,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":[],"categories":[10,8,15],"tags":[],"jetpack_featured_media_url":"http:\/\/www.oracletoday.org\/wp-content\/uploads\/2019\/05\/hapinesss.png","_links":{"self":[{"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/posts\/702"}],"collection":[{"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=702"}],"version-history":[{"count":1,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/posts\/702\/revisions"}],"predecessor-version":[{"id":704,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/posts\/702\/revisions\/704"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=\/wp\/v2\/media\/703"}],"wp:attachment":[{"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=702"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.oracletoday.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}