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

2?????????95?98??

3?929598??????,???

4????????

5????????

???????????,???????????????2%????,??????????????

“???????????”???,??????????

?????????? ????

????,????????????????????,??????????,??????????????1??????????????,??????2%??????????????“??????????”???????????,??????????????????????????????

2%?????,“????????”????????????“??????????????????”???

???,2%??????;???????,????????????,???????“2?????????????”????????????

???????????????,?????,?????????????10???????????????,????1%?????????????????????,????????,??????????????????,????1.50%;???????????????????????????????,??????????1.55%?

??????,????????????????30??????50BP,?????,??????,????????????????,????????1.90%,APP????2.10%?2.15%;??2??????????????????,?2.05%;?????????,????????????2.50%??????????,????

???“??????????”?????????,????“????????”,?????

“????,??????????,????”???????,?????????????????,????????????????????????????,??????,????????????????????,“??????????????,??20??????????,50?????????”???????,??????????,?????????

???????,???

????,???????????“???????????????”,????????????????????????,????????????,??????????????????“??????”,???????2.15%,????????????12????????31??????????;?????“????”????????????,????5?????,????2.15%,?????????????????????

????????20??,???????????2.20%,????

????????????????,???????,????????????“????????”???“????,????30???,??2.50%?????????????????”??????????,????,??????????????,“?????????,??????????”????????,????????,?????????????

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

???????,??????????“???????????????????”??????????????????????????,????,???,??,???

“?????????????????????????”????????????????,????,?????????,???,?,??????????????????????

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

?????????????????,????????,???????????????????????????????;???,??,?,?????????????????(???????????????) ?????????:???