商业银行防范房地产开发性贷款风险的对策分析

1、蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂

2、螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇

3、肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄

4、肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀 蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿

5、袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆

6、芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄

7、膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇 葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿

8、肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃

9、羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁

10、羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂 芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿

11、螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃

12、膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁

13、肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃 袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆

14、羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇

15、羅羃艿螆蚅腿膅袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀

16、芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅 螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆

17、蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄

18、螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇

19、羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄 莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃

20、袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃

21、袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇

22、膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃 芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂

23、羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃

24、肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄

25、芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇 羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂

26、螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀

27、蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄

28、肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁

29、羂莁薈羄膈芇薈蚃羁芃薇袆芆薂 薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀

30、罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄

31、膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁

32、膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节 芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀

33、聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁

34、羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈

35、节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁 羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇

36、袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁

37、肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈

38、聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈 蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇

39、羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆蚃羁芃薇袆芆薂薆羈聿蒈薅肀

40、芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅

41、腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆 螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄

42、螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄

43、螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅

44、莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿 节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃

45、袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄

46、袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅

47、肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁 羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃

48、肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁

49、聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂

50、芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁 袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀

51、蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁

52、螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁

53、羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀 蚁螇肄莆蚀

54、罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁

55、羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁

56、膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿

57、肆莂衿螈节芈蒅袁肅膄蒄羃芀薂蒄螃膃蒈蒃袅莈莄蒂羇膁芀蒁聿羄 蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈蕿蒀蝿腿蒅蕿袁羂莁薈羄膈芇薈蚃羁芃薇袆芆薂薆羈聿蒈薅肀芄莄薄螀肇芀薃袂芃膆蚂羅肅蒄蚂蚄芁莀蚁螇肄莆蚀罿荿节虿肁膂薁蚈螁羅蒇蚇袃膀莃蚇羅羃艿螆蚅腿膅螅螇羁蒃螄袀膇葿螃肂羀莅螂螂芅芁螁袄肈薀螁羆芄蒆螀聿肆莂衿螈节芈 山东财经大学燕山学院 本科毕业设计(论文) 设计(论文)题目: 指导教师： 邢雅菲 学 号： 9 姓 名： 刘晓慧 系

58、 专业 届 山东财经大学燕山学院教学管理办公室制 2012 年 4 月 28 日 商业银行防范房地产开发性贷款 风险的对策分析 金融金融学 2012 山东财经大学燕山学院学士学位论文原创性声明山东财经大学燕山学院学士学位论文原创性声明 本人郑重声明：所呈交的学位论文，是本人在导师的指导下进行研究工 作所取得的成果。除文中已经注明引用的内容外，本论文不含任何其他个人 或集体已经发表或撰写过的研究成果。对本文的研究做出重要贡献的个人和 集体，均已在论文中作了明确的说明并表示了谢意。本声明的法律结果由本 人承担。 学位论文作者签名： 年 月 日 山东财经大学燕山学院关于论文使用授权的说明山东财经大学

59、燕山学院关于论文使用授权的说明 本人完全了解山东财经大学燕山学院有关保留、使用学士学位论文的规 定，即：学校有权保留、送交论文的复印件，允许论文被查阅，学校可以公 布论文的全部或部分内容，可以采用影印或其他复制手段保存论文。 指导教师签名： 论文作者签名： 年 月 日 年 月 日 商业银行防范房地产开发性贷款风险的对策分析 摘要 房地产是一项周期长、数量大的高投入经营活动，而我国的房地产金融体系是以 银行为主导。投资和投机已经过度，推动房价一路非理性快速上涨，严重脱离了经济增 长和人民收入水平的增长速度。商业银行贷款为高速发展的房地产业提供了最主要的资 金来源，在房地产市场持续升温的同时，金融风险也正在逐步聚集，一旦房价下降可能 会引发银行信用危机、清偿能力危机等，甚至导致整个金融系统动荡。 从商业银行的角 度，分析房地产贷款风险的成因及其传导，并提出政策和建议。商业银行应充分关