??????????????8?????????????9???????????? ???????????9?????????,???,???“???????????????”???,??

?????????????,??????????????????????????(RIA)???,?????????????????

??,9???,????????????????????,???????,?????????????

???????9??????,??????????????????,??? ????:????? ??“???????”????

?? ??????????:?????????,??

????:1????????:????????

2???????

3?????????

4?500???4??????

5???????????

??????????????8?????????????9???????????? ???????????9?????????,???,???“???????????????”???,??

?????????????,??????????????????????????(RIA)???,?????????????????

??,9???,????????????????????,???????,?????????????

???????9??????,??????????????????,??? ????:?????