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????????????????????,??4?????,????????150????1???,??????????????????????????,????????????,????“?”??????????

???????????,????????,??????133???,?????????????????????????????????????????????24??????,????????????????????????????????????,??114???,????????86%;??50?????,??

?,???????????????????????????????????????????????????????????,???????????????????????????????????????????????

??????????????100%?????,???????????????????????,?????????“??????”??“??????????????:???”????

Sibos???????(Swift)??????,??1978????,????,??????1991?2009???(????????) ?????:?????