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

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

3??????????

4?????????

5????????95?

?,??12???2???,???????????????28??,??2???????,??????7.5%,?????????????????????????

11????30?,???????????????????????????????????????????????????????????????????????????????????,???????????,????????????????38??????11??????????30?,38?????????????????????????????????30?????????????????,???

????????????,???????????????,??,?????????,????,????“????”????APP??,??“????????????”,????,????(??? ? ??????? ???? ??????????? ????)

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