????:1??????95?98?????:?????????

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

3?????????

4???????

5???????????

????2??????????????????????6??????????????? (???? ???????)????????6????????25????????,????4.5%,???

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

???????????????,????????????7??2?????????25??4.5%?????????????,?4.25%?

????????????11??????????,???3.7%???????????????,??????????????2.8%???,??????????2027????????,????????????????2%???

???,????????????????12?????????????2.5%,?????2%?,?????,????????????????????????????????(??) ???????????????:??