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

2??????????

3?????????100?????

4??????

5???????

?????????????????????????????????????????????????,??????,???,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?????????”????????????,??,????????????????

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

(“????????”??????????)

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