??? A????????

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

?????????????????????????????????????????????,???,???????????,A?????

??????????????9???24???????,?????4.15%,?????????????4??????????????4.36%,??????????5.54%?

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

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

????1????????????

???????????????0.5?????????,?,????1???????,7??????????0.2???????,??(LPR)???????????????0.2??????????????????????????0.25???

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

???1.5???

????????????,???????????????????15%????????,??????5000????????????????,1.5??????,????????1500??????????

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

???,?????LPR???,???????????????,??,????????????????,???????????

????????????????5000?????????3000??????????????????????

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

???????????,??,??????????????5000????????????????,???5000??,??????5000??????????????????????????3000???????,??????,??????3000???????????,??????3000???

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

?,?????“??????,????????????????????????0.25-0.5??”????????,??,??????????????

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

(“??”??)

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