00564naa#a2200181#i#450# EN\\bibl\5523 20241224233716.2 1995-042X 20141224b2014####ek#y0engy0150####ca RUS RU Systematic approach to the development of retail banking based on correlation-regression analysis Journal article CHERKIZOVO Russian State University of Tourism and Service 2014 9 с. Journal article local Faizova Guzel Silaeva Anna naukaru.ru