???????????3% ??????

????:??????????:??????

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

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

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

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

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