{"id":4926,"date":"2025-11-16T14:12:13","date_gmt":"2025-11-16T14:12:13","guid":{"rendered":"https:\/\/izvestiyakbncran.ru\/?page_id=4926"},"modified":"2026-06-02T13:52:35","modified_gmt":"2026-06-02T12:52:35","slug":"27-5-6-en","status":"publish","type":"page","link":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/","title":{"rendered":"27.5.6 En"},"content":{"rendered":"\n

Comparative analysis of class imbalance reduction methods in building machine learning models in the financial sector<\/strong><\/h1>\n\n\n\n

A.F. Konstantinov, L.P. Dyakonova<\/strong><\/p>\n\n\n\n

\n

<\/p>\n\n\n\n

\n
\n
PDF<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n
JATS XML<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

<\/p>\n<\/div>\n\n\n\n

\n\n\n\n

Abstract<\/strong><\/strong>: <\/em>Borrower default prediction is a pressing issue that underlies the financial stability of credit institutions.
Aim<\/strong>. This study is to develop and evaluate an integrated borrower default prediction method.<\/p>\n\n\n\n

Materials and methods<\/strong>. The study was conducted by simulating the integrated borrower default prediction method, analyzing and comparing the results with the baseline AI model, and drawing conclusions.
Results<\/strong>. Based on the analysis of dependencies, an integrated borrower default prediction methods developed and calculated. It demonstrated a significant improvement in quality metrics (an increase in average accuracy of 0.383, an increase in f1-score of 0.509, and an increase in accuracy of 0.792) relative to the baseline model. This article presents the results of experiments aimed at improving the quality metrics of machine learning models used to predict borrower default.
Conclusion<\/strong>. The development of integrated borrower default prediction methods will improve the accuracy and reliability of forecast models, which is of great practical importance.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Keywords<\/strong><\/em><\/strong>:<\/em> methods for reducing class imbalance, methods for isolating anomalies into a separate model, bagging method, integral method for predicting borrower default<\/p>\n\n\n\n

<\/p>\n\n\n\n

For citation<\/strong>.<\/strong> Konstantinov A.F., Dyakonova L.P. Comparative analysis of class imbalance reduction methods in building machine learning models in the financial sector. News of the Kabardino-Balkarian Scientific Center of RAS<\/em>. Vol. 27. No. 5. Pp. 68\u201379. DOI: 10.35330\/1991-6639-2025-27-5-68-79<\/p>\n\n\n\n

R<\/strong>eferences<\/summary>\n
    \n
  1. Information and analytical material on the development of the banking sector of the Russian Federation in December 2024. [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. \u0420\u0435\u0436\u0438\u043c \u0434\u043e\u0441\u0442\u0443\u043f\u0430: https:\/\/www.cbr.ru\/collection\/collection\/file\/55056\/razv_bs_24_12.pdf (\u0434\u0430\u0442\u0430 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f: 17.09.2025). (In Russian)<\/li>\n\n\n\n
  2. Ali A.A., Khedr A.M., El-Bannany M., Kanakkayil S. A powerful predicting model for financial statement fraud based on optimized xgboost ensemble learning technique. Applied
    Sciences. 2023. Vol. 13. No. 4. P. 2272. DOI: 10.3390\/app13042272<\/li>\n\n\n\n
  3. Konstantinov A.F., Dyakonova L.P. Comparative analysis of class imbalance reduction methods in building machine learning models in financial sector. News of the Kabardino-Balkarian Scientific Center of RAS. 2025. Vol. 27. No. 1. Pp. 143\u2013151. DOI: 10.35330\/1991-6639-2025-27-1-143-151. (In Russian)<\/li>\n\n\n\n
  4. Qian H., Zhang S., Wang B. et al. A comparative study on machine learning models combining with outlier detection and balanced sampling methods for credit scoring 2021.
    [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. \u0420\u0435\u0436\u0438\u043c \u0434\u043e\u0441\u0442\u0443\u043f\u0430: https:\/\/arxiv.org\/abs\/2112.13196 (\u0434\u0430\u0442\u0430 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f: 01.09.2025). DOI: 10.48550\/arXiv.2112.13196<\/li>\n\n\n\n
  5. Dyakonova L., Konstantinov A. Approaches to risk analysis in the financial sector based on machine learning and artificial intelligence methods \/ MPRA Paper. [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. \u0420\u0435\u0436\u0438\u043c \u0434\u043e\u0441\u0442\u0443\u043f\u0430: https:\/\/mpra.ub.uni-muenchen.de\/122941\/ (\u0434\u0430\u0442\u0430 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f: 17.09.2025)<\/li>\n\n\n\n
  6. Liu F.T., Ting K.M., Zhou Z.H. Isolation forest. IEEE Xplore. 2008. Pp. 413\u2013422. DOI: 10.1109\/ICDM.2008.17<\/li>\n\n\n\n
  7. Bl\u00e1zquez-Garc\u00eda A., Conde A., Mori U., Lozano J.A. A review on outlier\/anomaly detection in time series data. [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. \u0420\u0435\u0436\u0438\u043c \u0434\u043e\u0441\u0442\u0443\u043f\u0430: https:\/\/arxiv.org\/abs\/2002.04236 (\u0434\u0430\u0442\u0430 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f: 01.09.2025).<\/li>\n\n\n\n
  8. Ribeiro M.T., Singh S., Guestrin C. Why should I trust you? Explaining the predictions of any classifier. [\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u0440\u0435\u0441\u0443\u0440\u0441]. \u0420\u0435\u0436\u0438\u043c \u0434\u043e\u0441\u0442\u0443\u043f\u0430: https:\/\/arxiv.org\/abs\/1602.04938 (\u0434\u0430\u0442\u0430 \u043e\u0431\u0440\u0430\u0449\u0435\u043d\u0438\u044f: 01.09.2025).<\/li>\n\n\n\n
  9. Breiman L. Bagging predictors. Machine Learning. 1996. Vol. 24. No. 2. Pp. 123\u2013140.<\/li>\n\n\n\n
  10. Abdoli M., Akbari M., Shahrabi J. Bagging supervised autoencoder classifier for credit scoring. Preprint. DOI: 10.48550\/arXiv.2108.078<\/li>\n\n\n\n
  11. Zou Y., Gao C., Xia M., Pang C. Credit scoring based on a bagging-cascading boosted decision tree. Intelligent Data Analysis. 2022. Vol. 26. No. 6. Pp. 1557\u20131578. DOI: 10.3233\/IDA-216228<\/li>\n<\/ol>\n<\/details>\n\n\n\n
    Information about the author<\/strong>s<\/summary>\n
    \n

    Alexey F. Konstantinov<\/strong>, Postgraduate Student, Department of Informatics, Plekhanov Russian University of Economics;
    36 Stremyannyy lane, Moscow, 115054, Russia;
    konstantinovaf@gmail.com, ORCID: https:\/\/orcid.org\/0009-0000-9591-3301, SPIN-code: 3088-3121
    Lyudmila P. Dyakonova<\/strong>, Candidate of Physical and Mathematical Sciences, Associate Professor, Department of Informatics, Plekhanov Russian University of Economics;
    36 Stremyannyy lane, Moscow, 115054, Russia;
    Dyakonova.LP@rea.ru, ORCID: https:\/\/orcid.org\/0000-0001-5229-8070, SPIN-code: 2513-8831<\/p>\n\n\n\n

    <\/p>\n\n\n\n

    <\/p>\n<\/div>\n<\/details>\n","protected":false},"excerpt":{"rendered":"

    Comparative analysis of class imbalance reduction methods in building machine learning models in the financial sector A.F. Konstantinov, L.P. Dyakonova Abstract: Borrower default prediction is a pressing issue that underlies the financial stability of credit institutions.Aim. This study is to develop and evaluate an integrated borrower default prediction method. Materials and methods. The study was […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-home","meta":{"footnotes":""},"class_list":["post-4926","page","type-page","status-publish","hentry"],"yoast_head":"\n27.5.6 En - \u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"27.5.6 En - \u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb\" \/>\n<meta property=\"og:description\" content=\"Comparative analysis of class imbalance reduction methods in building machine learning models in the financial sector A.F. Konstantinov, L.P. Dyakonova Abstract: Borrower default prediction is a pressing issue that underlies the financial stability of credit institutions.Aim. This study is to develop and evaluate an integrated borrower default prediction method. Materials and methods. The study was […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/\" \/>\n<meta property=\"og:site_name\" content=\"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-02T12:52:35+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/index.php\\\/en\\\/27-5-6-en\\\/\",\"url\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/index.php\\\/en\\\/27-5-6-en\\\/\",\"name\":\"27.5.6 En - \u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/#website\"},\"datePublished\":\"2025-11-16T14:12:13+00:00\",\"dateModified\":\"2026-06-02T12:52:35+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/index.php\\\/en\\\/27-5-6-en\\\/#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/izvestiyakbncran.ru\\\/index.php\\\/en\\\/27-5-6-en\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/index.php\\\/en\\\/27-5-6-en\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"27.5.6 En\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/#website\",\"url\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/\",\"name\":\"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb\",\"description\":\"\u041d\u0430\u0443\u0447\u043d\u044b\u0439 \u0436\u0443\u0440\u043d\u0430\u043b\",\"publisher\":{\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/#organization\",\"name\":\"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb\",\"url\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ru-RU\",\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/oblozhka-zhurnala-na-angl-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/oblozhka-zhurnala-na-angl-scaled.jpg\",\"width\":1828,\"height\":2560,\"caption\":\"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb\"},\"image\":{\"@id\":\"https:\\\/\\\/izvestiyakbncran.ru\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"27.5.6 En - \u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/","og_locale":"ru_RU","og_type":"article","og_title":"27.5.6 En - \u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb","og_description":"Comparative analysis of class imbalance reduction methods in building machine learning models in the financial sector A.F. Konstantinov, L.P. Dyakonova Abstract: Borrower default prediction is a pressing issue that underlies the financial stability of credit institutions.Aim. This study is to develop and evaluate an integrated borrower default prediction method. Materials and methods. The study was […]","og_url":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/","og_site_name":"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb","article_modified_time":"2026-06-02T12:52:35+00:00","twitter_card":"summary_large_image","twitter_misc":{"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f":"4 \u043c\u0438\u043d\u0443\u0442\u044b"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/","url":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/","name":"27.5.6 En - \u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb","isPartOf":{"@id":"https:\/\/izvestiyakbncran.ru\/#website"},"datePublished":"2025-11-16T14:12:13+00:00","dateModified":"2026-06-02T12:52:35+00:00","breadcrumb":{"@id":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/izvestiyakbncran.ru\/index.php\/en\/27-5-6-en\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/izvestiyakbncran.ru\/"},{"@type":"ListItem","position":2,"name":"27.5.6 En"}]},{"@type":"WebSite","@id":"https:\/\/izvestiyakbncran.ru\/#website","url":"https:\/\/izvestiyakbncran.ru\/","name":"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb","description":"\u041d\u0430\u0443\u0447\u043d\u044b\u0439 \u0436\u0443\u0440\u043d\u0430\u043b","publisher":{"@id":"https:\/\/izvestiyakbncran.ru\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/izvestiyakbncran.ru\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ru-RU"},{"@type":"Organization","@id":"https:\/\/izvestiyakbncran.ru\/#organization","name":"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb","url":"https:\/\/izvestiyakbncran.ru\/","logo":{"@type":"ImageObject","inLanguage":"ru-RU","@id":"https:\/\/izvestiyakbncran.ru\/#\/schema\/logo\/image\/","url":"https:\/\/izvestiyakbncran.ru\/wp-content\/uploads\/2025\/07\/oblozhka-zhurnala-na-angl-scaled.jpg","contentUrl":"https:\/\/izvestiyakbncran.ru\/wp-content\/uploads\/2025\/07\/oblozhka-zhurnala-na-angl-scaled.jpg","width":1828,"height":2560,"caption":"\u0418\u0417\u0412\u0415\u0421\u0422\u0418\u042f \u041a\u0410\u0411\u0410\u0420\u0414\u0418\u041d\u041e-\u0411\u0410\u041b\u041a\u0410\u0420\u0421\u041a\u041e\u0413\u041e \u041d\u0410\u0423\u0427\u041d\u041e\u0413\u041e \u0426\u0415\u041d\u0422\u0420\u0410 \u0420\u0410\u041d\u00bb"},"image":{"@id":"https:\/\/izvestiyakbncran.ru\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/pages\/4926","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/comments?post=4926"}],"version-history":[{"count":11,"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/pages\/4926\/revisions"}],"predecessor-version":[{"id":12998,"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/pages\/4926\/revisions\/12998"}],"wp:attachment":[{"href":"https:\/\/izvestiyakbncran.ru\/index.php\/wp-json\/wp\/v2\/media?parent=4926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}