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

2???????

3???????????

4?????????

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

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

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

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

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