?5?,?3000?????????????????

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

?6???????????12????????????? (?? ???)???????????????12?,???5?????????,?????????3000??????????????????

????,???????,????????????????5???????,????????????????????3379??,??????32.64??????????????????,???4.97%??7.35%?

??,?,?,??,???,?14????????????????

“????,?????‘???????????????????’??,?25???????????????????????????”?????

???,???,??72??,?????????????????????70???,?12?;?57????,??????????????????????????????????????60??,??????13???????,???“?????????”,??????????????“???”?????????????????(??????) ???????????:????????????????