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

2??????????????

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

4????????spa

5???95?98?

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

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

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

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

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