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

2???????95??

3??????

4???????????????

5????????

????????2?????18??? (?? ???)????????18??,???????????,????“?”,?????????,?????“????”???,???,????????????????

??????????“????????”????????????????,??????????,????????,???50?????(?)?????????????,?????500???,??????????????1-3????????,????????????????????????????0.3%-0.5%/???????????????????,???????????????????,???????,????????????,???????????,?????????????????

???,“?”???????????????????????,???????????????,?,???20?????(?????????????????????)??0.3%/??????,20??????0.5%/?????????????????????????????????????????????????????????????????

?????,?“??”??????????????????20??(?????)??,?????????????20???????????????,?????????,???????????????????????????????????????????????(???) ?????????:??????????