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????:???????:?????????

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

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

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

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