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

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

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

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

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

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