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

2???????

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

4????????

5?????

?????????:????????12???,?????(12???????????????????1??????)?,???,??

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????????????????«???????????????»12?1????,«????????????»????????????????????????????????????????,?????????????????????;??“?”??????

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12?????1??????,?«???????????????»?????«????»??????????????????????????????,?????????????“??????????”“?”?????????????????????????????????:????????????????????;???????;??????????,??????????????????????????

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???????????12????1??,«???????»????????,??0.5????,???????????????????????????,??????1.5%,????1%,????0.5%(????????????????????)?

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????????????????????????«?????»,????12???1???????????,????????????,?20%???????????

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