????:1????????:?????95?98?

2???9598?

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

4????????

5??????

????????10???18????? (? ?????????????????)??A??18??????(??)?????????,??????????????????????,??3%,??????8%,????????5000???????????

????????,????????????3261?,????2.91%;??????????10357?????????,???????????4.71%;???????????????2195?????,?????7.95%??20977??????????????(???,??????),????????6000???

???,??:????,?????3000?,??1.75%,?1?,??,21??,???;??,??????????????????????????????????????????????(SFISF)??,??20???????,???????????2000??

??????????????,??SFISF????????????????,?????

?????,?A??????,????????????A???,????????10.33%?????7.48%;?5%?(?????????????????????????) ?????:???