??4.36??????????????

???2???6?? (????????????????)????6??,?????????????,??????????4.36??,?5600??????????????,??????????“???”???????????????

?????????,?????????????,??????????,???????,????????????????????,?????????????????????,??

??????????????,????????????,????????????????????????3%???????????,??????????????????????????????

???,????????,???,?????????????????????????,?????????,??????,????1000????????????19.4%?(??) ???:??????????