00554naa#a2200193#i#450# EN\\bibl\2340 20241220172607.5 1995-042X 20140528b2014####ek#y0engy0150####ca RUS RU Evolutional trends of retail risk assessment Journal article CHERKIZOVO Russian State University of Tourism and Service 2014 10 с. Journal article local Chernikova Lyudmila Novichkov Nikolay Faizova Guzel naukaru.ru