{"id":129374,"date":"2025-08-10T13:24:03","date_gmt":"2025-08-10T11:24:03","guid":{"rendered":"https:\/\/al-jalia.com\/?p=129374"},"modified":"2025-08-10T13:24:03","modified_gmt":"2025-08-10T11:24:03","slug":"%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d9%88%d8%b8%d8%a7%d8%a6%d9%81-%d9%81%d9%8a-%d8%b8%d9%84-%d8%aa%d8%b5%d8%a7%d8%b9%d8%af-%d8%a7%d9%84%d8%b0%d9%83%d8%a7%d8%a1-%d8%a7%d9%84%d8%a7%d8%b5","status":"publish","type":"post","link":"https:\/\/al-jalia.com\/?p=129374","title":{"rendered":"\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0641\u064a \u0638\u0644 \u062a\u0635\u0627\u0639\u062f \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a: \u062a\u062d\u0648\u0644 \u0623\u0645 \u062a\u0647\u062f\u064a\u062f\u061f"},"content":{"rendered":"<div class=\"response-content ng-tns-c859588910-18\">\n<div id=\"model-response-message-contentr_097a046d30391085\" class=\"markdown markdown-main-panel 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\u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/h4>\n<p>&nbsp;<\/p>\n<p>\u064a\u0645\u062a\u0644\u0643 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0645\u0647\u0627\u0645 \u0627\u0644\u0631\u0648\u062a\u064a\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629\u060c \u0645\u0645\u0627 \u064a\u064f\u0647\u062f\u062f \u0639\u062f\u062f\u064b\u0627 \u0645\u0646 \u0627\u0644\u0648\u0638\u0627\u0626\u0641. \u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0645\u0647\u062f\u062f\u0629 \u0628\u0627\u0644\u0627\u0646\u0642\u0631\u0627\u0636 \u0623\u0648 \u0627\u0644\u062a\u064a \u0633\u062a\u0634\u0647\u062f \u062a\u0631\u0627\u062c\u0639\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627:<\/p>\n<ul>\n<li>\u0648\u0638\u0627\u0626\u0641 <b>\u0627\u0644\u062a\u0635\u0646\u064a\u0639<\/b>: \u0627\u0644\u0631\u0648\u0628\u0648\u062a\u0627\u062a \u0627\u0644\u0635\u0646\u0627\u0639\u064a\u0629 \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0622\u0644\u064a\u0629 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0623\u062f\u0627\u0621 \u0645\u0647\u0627\u0645 \u0627\u0644\u062a\u0635\u0646\u064a\u0639 \u0628\u0643\u0641\u0627\u0621\u0629 \u0623\u0639\u0644\u0649.<\/li>\n<li>\u0648\u0638\u0627\u0626\u0641 <b>\u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/b>: \u0627\u0644\u0645\u0647\u0627\u0645 \u0627\u0644\u062a\u064a \u062a\u062a\u0637\u0644\u0628 \u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0645\u0639\u0627\u0644\u062c\u062a\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u062a\u0643\u0631\u0631.<\/li>\n<li>\u0648\u0638\u0627\u0626\u0641 <b>\u062e\u062f\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 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\u0645\u062b\u0644 \u0633\u0627\u0626\u0642\u064a \u0627\u0644\u0634\u0627\u062d\u0646\u0627\u062a\u060c \u0645\u0639 \u062a\u0637\u0648\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0630\u0627\u062a\u064a\u0629 \u0627\u0644\u0642\u064a\u0627\u062f\u0629.<\/li>\n<li>\u0648\u0638\u0627\u0626\u0641 <b>\u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u0644\u063a\u0648\u064a \u0648\u0627\u0644\u0645\u0648\u0646\u062a\u0627\u062c<\/b>: \u064a\u0645\u0643\u0646 \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u0646 \u064a\u0642\u0648\u0645 \u0628\u0645\u0647\u0627\u0645 \u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u0644\u063a\u0648\u064a \u0648\u0627\u0644\u0645\u0648\u0646\u062a\u0627\u062c \u0628\u0634\u0643\u0644 \u0623\u0633\u0631\u0639 \u0648\u0623\u0643\u062b\u0631 \u062f\u0642\u0629.<\/li>\n<li><b>\u0643\u062a\u0627\u0628\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0648\u0627\u0644\u062a\u0631\u062c\u0645\u0629<\/b>: \u0628\u0639\u0636 \u0623\u0646\u0648\u0627\u0639 \u0643\u062a\u0627\u0628\u0629 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0648\u0627\u0644\u062a\u0631\u062c\u0645\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062a\u0645 \u0628\u0648\u0627\u0633\u0637\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062a\u0648\u0644\u064a\u062f\u064a.<\/li>\n<\/ul>\n<h4>\u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0627\u0644\u062a\u064a \u064a\u062e\u0644\u0642\u0647\u0627 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/h4>\n<p>&nbsp;<\/p>\n<p>\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0644\u0645\u062e\u0627\u0648\u0641 \u0645\u0646 \u0641\u0642\u062f\u0627\u0646 \u0627\u0644\u0648\u0638\u0627\u0626\u0641\u060c \u0641\u0625\u0646 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\u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0644\u0627 \u0633\u064a\u0645\u0627 \u062a\u0644\u0643 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0623\u0645\u0646 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a\u060c \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0630\u0643\u064a\u0629. \u0648\u064a\u064f\u0634\u062f\u062f \u0639\u0644\u0649 \u062a\u0628\u0646\u064a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0639\u0627\u062f\u0644 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u060c \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u062e\u0644\u0642 \u0628\u064a\u0626\u0629 \u0639\u0645\u0644 \u0645\u0633\u062a\u062f\u0627\u0645\u0629 \u0644\u0627 \u062a\u064f\u0642\u0635\u064a \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646\u060c \u0628\u0644 \u062a\u064f\u0639\u0632\u0632 \u0645\u0646 \u0642\u062f\u0631\u0627\u062a\u0647\u0645 \u0648\u062a\u0648\u0641\u0631 \u0641\u0631\u0635\u064b\u0627 \u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0647\u0646\u064a.<\/p>\n<h3>\u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0648\u062a\u0648\u0642\u0639\u0627\u062a \u062d\u0648\u0644 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0648\u0638\u0627\u0626\u0641<\/h3>\n<p>&nbsp;<\/p>\n<p>\u062a\u062a\u0639\u062f\u062f \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062a\u064a \u062a\u062a\u0646\u0627\u0648\u0644 \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0639\u0644\u0649 \u0633\u0648\u0642 \u0627\u0644\u0639\u0645\u0644\u060c \u0648\u062a\u062a\u0641\u0642 \u0645\u0639\u0638\u0645 \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0633\u064a\u064f\u062d\u062f\u062b \u062a\u062d\u0648\u0644\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627 \u0641\u064a \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0648\u0627\u0644\u0645\u0647\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629.<\/p>\n<ul>\n<li><b>\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a (IMF)<\/b>: \u064a\u064f\u0634\u064a\u0631 \u062a\u062d\u0644\u064a\u0644 \u0635\u0627\u062f\u0631 \u0639\u0646 \u0627\u0644\u0635\u0646\u062f\u0648\u0642 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0642\u062f \u064a\u0624\u062b\u0631 \u0639\u0644\u0649 <b>40% \u0645\u0646 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645<\/b>. \u0641\u064a \u062f\u0648\u0644 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629\u060c \u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0624\u062b\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0639\u0644\u0649 \u0646\u0633\u0628\u0629 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u062a\u0635\u0644 \u0625\u0644\u0649 \u062d\u0648\u0627\u0644\u064a <b>60%<\/b>.<\/li>\n<li><b>\u0627\u0644\u0645\u0646\u062a\u062f\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a (World Economic Forum)<\/b>: \u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 2025\u060c \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0624\u062f\u064a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0647\u064a\u0643\u0644\u064a \u0644\u0633\u0648\u0642 \u0627\u0644\u0639\u0645\u0644 \u0628\u0633\u0628\u0628 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0625\u0644\u0649 \u062e\u0644\u0642 \u0648\u0638\u0627\u0626\u0641 \u062c\u062f\u064a\u062f\u0629 \u062a\u0639\u0627\u062f\u0644 <b>14% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629<\/b>\u060c \u0623\u064a \u062d\u0648\u0627\u0644\u064a 170 \u0645\u0644\u064a\u0648\u0646 \u0648\u0638\u064a\u0641\u0629. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0642\u0627\u0628\u0644 \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648 \u0625\u0632\u0627\u062d\u0629 \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 <b>8% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629<\/b>\u060c \u0623\u0648 92 \u0645\u0644\u064a\u0648\u0646 \u0648\u0638\u064a\u0641\u0629.<\/li>\n<li><b>\u062c\u0648\u0644\u062f\u0645\u0627\u0646 \u0633\u0627\u0643\u0633 (Goldman Sachs)<\/b>: \u062a\u0648\u0642\u0639 \u062a\u0642\u0631\u064a\u0631 \u0635\u0627\u062f\u0631 \u0639\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u0629 \u0623\u0646 \u064a\u062d\u0644 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u062d\u0644 \u0645\u0627 \u064a\u064f\u0642\u062f\u0651\u0631 \u0628\u0640 <b>300 \u0645\u0644\u064a\u0648\u0646 \u0648\u0638\u064a\u0641\u0629 \u0628\u062f\u0648\u0627\u0645 \u0643\u0627\u0645\u0644<\/b>\u060c \u0644\u0643\u0646\u0647 \u062a\u0648\u0642\u0639 \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u062a\u0638\u0647\u0631 \u0648\u0638\u0627\u0626\u0641 \u062c\u062f\u064a\u062f\u0629 \u0628\u0627\u0644\u062a\u0632\u0627\u0645\u0646 \u0645\u0639 \u062a\u062d\u0633\u0646 \u0643\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\u0644\u0627 \u064a\u064f\u0645\u062b\u0644 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u0647\u062f\u064a\u062f\u064b\u0627 \u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0642\u062f\u0631 \u0645\u0627 \u064a\u064f\u0645\u062b\u0644 \u062f\u0639\u0648\u0629 \u0644\u0644\u062a\u0637\u0648\u0631 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631. \u0625\u0646 \u0645\u0633\u062a\u0642\u0628\u0644 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0643\u0645\u0646 \u0641\u064a <b>\u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0627\u0644\u0641\u0639\u0651\u0627\u0644 \u0628\u064a\u0646 \u0627\u0644\u0642\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u064a\u0629 \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u062e\u0628\u0631\u0629 \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0627\u0644\u0645\u062a\u0645\u064a\u0632\u0629<\/b>. \u064a\u062a\u0637\u0644\u0628 \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064b\u0627 \u0641\u064a \u0628\u0631\u0627\u0645\u062c \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0647\u064a\u0644 \u0648\u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0644\u0644\u0642\u0648\u0649 \u0627\u0644\u0639\u0627\u0645\u0644\u0629\u060c \u0644\u0636\u0645\u0627\u0646 \u062c\u0627\u0647\u0632\u064a\u0629 \u0633\u0648\u0642 \u0627\u0644\u0639\u0645\u0644 \u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0647\u0630\u0627 \u0627\u0644\u0639\u0635\u0631 \u0627\u0644\u062c\u062f\u064a\u062f. &lt;br&gt;<\/p>\n<p><b>\u0627\u0644\u0645\u0635\u0627\u062f\u0631<\/b>:<\/p>\n<ul>\n<li>\u0627\u0644\u0645\u0646\u062a\u062f\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u2013 The Future of Jobs Report (2025)<\/li>\n<li>McKinsey Global Institute \u2013 Jobs lost, jobs gained: Workforce transitions in a time of automation (2022)<\/li>\n<li>ILO \u2013 The impact of automation on jobs<\/li>\n<li>MIT Technology Review Martin Ford \u2013 Rise of the Robots<\/li>\n<li>H. James Wilson &amp; Paul Daugherty \u2013 Humans + Machines<\/li>\n<li><a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=https:\/\/kpmg.com\/us\/en\/articles\/2024\/impact-artificial-intelligence-insurance\" target=\"_blank\" rel=\"noopener\">https:\/\/kpmg.com\/us\/en\/articles\/2024\/impact-artificial-intelligence-insurance<\/a><\/li>\n<li><a class=\"ng-star-inserted\" href=\"https:\/\/www.google.com\/search?q=https:\/\/www.imf.org\/en\/Publications\/Staff-Discussion-Notes\/Issues\/2023\/12\/28\/Gen-AI-is-on-the-horizon-and-a-great-wave-of-innovation-is-poised-to-hit-the-labor-market-542151\" target=\"_blank\" rel=\"noopener\">https:\/\/www.imf.org\/en\/Publications\/Staff-Discussion-Notes\/Issues\/2023\/12\/28\/Gen-AI-is-on-the-horizon-and-a-great-wave-of-innovation-is-poised-to-hit-the-labor-market-542151<\/a><\/li>\n<\/ul>\n<\/div>\n<div class=\"response-footer gap complete\"><\/div>\n<\/div>\n<div class=\"contextual-discovery-response-promotion ng-tns-c4137452542-21 ng-trigger ng-trigger-promotionEnter ng-star-inserted\">\n<div class=\"gds-body-l contextual-discovery-response-promotion-content ng-tns-c4137452542-21 ng-star-inserted\">\n<div class=\"contextual-discovery-response-promotion-content-text ng-tns-c4137452542-21\"><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u0643\u062a\u0628 \/\u0639\u0627\u0637\u0641 \u0637\u0644\u0628 \u064a\u0634\u0647\u062f \u0627\u0644\u0639\u0627\u0644\u0645 \u062a\u062d\u0648\u0644\u0627\u062a \u062c\u0630\u0631\u064a\u0629 \u0648\u0633\u0631\u064a\u0639\u0629 \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u062c\u0648\u0627\u0646\u0628 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0645\u062f\u0641\u0648\u0639\u0629 \u0628\u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u060c \u0648\u0639\u0644\u0649 \u0631\u0623\u0633\u0647\u0627 \u0635\u0639\u0648\u062f 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