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

2???????????????

3????????????

4?spa????????

5???????

??10???14? (????????????????????? ????????????????????????)???A??14??????????????(?????)??????,?????????2%,???????????5000??????????????

?,??????3284?,?????????????2.07%;??10327????????,???2.65%;??????????2155?????,????????????????????????2.6%?????16350????,???????

???,????????A????????????????????,???????????,???,????????????;?,??,????,????

?12???????????????,?????,??????????,???,??

????,?????????A????????????,????????????????????????????A????????,????7.95%????6.96%;?,??(AMC)??,??????????????(?????) ??:?????????????