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

2??????????

3??????????

4?????????

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

??????11??22? (? ???????)??????????A??????????????22???????????????(?????)??,??????,??????????????????,????3%,?????3300?????????????

????????,???????????3267?????,??3.06%;??????????10438??,??3.52%;?????2175?????,?3.99%?

?????????????,????,A?????????;??,????????????????????????????,A??,??,???????????????????????????????????????,??????????????????3300?????????,??????????????????

???,????A???????????????,?????????????????????,??1.95%,??????????A???,??????(??????????10%)?

????,????22????,?????,???,????????????(??) ??????????:??????????????????