銀行系統(tǒng)論文：議農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型

1、銀行系統(tǒng)論文：議農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型營(yíng)業(yè)網(wǎng)點(diǎn)是農(nóng)村信用社的觸角，是金融競(jìng)爭(zhēng)的最前沿。雖然農(nóng)村信用社的營(yíng)業(yè)網(wǎng)點(diǎn)在數(shù)量上占有明顯優(yōu)勢(shì)，網(wǎng)點(diǎn)人員在地緣、人脈等方面也較其他商業(yè)銀行有較大的優(yōu)勢(shì)，但在當(dāng)今激烈的金融市場(chǎng)競(jìng)爭(zhēng)中，農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)的經(jīng)營(yíng)水平、管理能力、人員素質(zhì)、人均創(chuàng)利等均處于弱勢(shì)，這不僅有農(nóng)村信用社歷史原因造成的，如體制不健全、電子化水平薄弱、人員素質(zhì)不高等，但最主要的是當(dāng)前農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)還是處于過(guò)去單一的交易型網(wǎng)點(diǎn)階段，即只為客戶(hù)提供存取款等簡(jiǎn)單的金融服務(wù)，還未向綜合服務(wù)營(yíng)銷(xiāo)型網(wǎng)點(diǎn)轉(zhuǎn)變。 一、當(dāng)前農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)服務(wù)功能現(xiàn)狀。 1、網(wǎng)點(diǎn)金融業(yè)務(wù)品種單一，收入水平低?，F(xiàn)農(nóng)村信用社

2、的營(yíng)業(yè)網(wǎng)點(diǎn)大部分還是停留在傳統(tǒng)的存貸業(yè)務(wù)上，雖隨著福建省農(nóng)村信用社綜合業(yè)務(wù)系統(tǒng)的上線、萬(wàn)通銀行卡的推出、大小額支付系統(tǒng)的開(kāi)通，網(wǎng)點(diǎn)的結(jié)算水平有了較大的提升，但業(yè)務(wù)發(fā)展仍緩慢，特別是中間業(yè)務(wù)僅局限于結(jié)算、代發(fā)工資、代收電話(huà)費(fèi)、水電費(fèi)等本身效益很小的業(yè)務(wù)，品種構(gòu)成比較單一，一些如銀行卡、保管箱、委托業(yè)務(wù)和代理保險(xiǎn)、證券買(mǎi)賣(mài)等科技含量高、收益性好的新興中間業(yè)務(wù)基本未涉足。 2、對(duì)綜合業(yè)務(wù)拓展的戰(zhàn)略性認(rèn)識(shí)不足，定位不準(zhǔn)。一些縣（市、區(qū)）信用聯(lián)社受傳統(tǒng)經(jīng)營(yíng)思想的束縛，在營(yíng)業(yè)網(wǎng)點(diǎn)發(fā)展戰(zhàn)略上的指導(dǎo)思想上存在偏差，定位上更是有失偏頗，只是把營(yíng)業(yè)網(wǎng)點(diǎn)作為爭(zhēng)取客戶(hù)存款的延伸觸角，沒(méi)有把中間業(yè)務(wù)、資產(chǎn)業(yè)務(wù)與負(fù)債業(yè)務(wù)

3、平等對(duì)待，而是把中間業(yè)務(wù)、資產(chǎn)業(yè)務(wù)當(dāng)作次要業(yè)務(wù)，甚至把部分中間業(yè)務(wù)作為從屬于存貸業(yè)務(wù)、為存貸業(yè)務(wù)服務(wù)的附屬業(yè)務(wù)，把發(fā)展中間業(yè)務(wù)當(dāng)作吸收存款和占領(lǐng)市場(chǎng)份額的手段，沒(méi)有按照營(yíng)業(yè)網(wǎng)點(diǎn)市場(chǎng)發(fā)展戰(zhàn)略去研究，對(duì)中間業(yè)務(wù)定位上本末倒置，制約網(wǎng)點(diǎn)中間業(yè)務(wù)正常健康發(fā)展。 3、技術(shù)手段相對(duì)落后，專(zhuān)業(yè)人才匱乏。營(yíng)業(yè)網(wǎng)點(diǎn)要發(fā)展綜合業(yè)務(wù)，特別是中間業(yè)務(wù)是知識(shí)密集性產(chǎn)業(yè)，具有集人才、技術(shù)、網(wǎng)絡(luò)、資金和信用于一體的特征，是金融業(yè)的“高技術(shù)”產(chǎn)業(yè)，它的拓展不僅需要建立在先進(jìn)的計(jì)算機(jī)和網(wǎng)絡(luò)技術(shù)的基礎(chǔ)上，而且還要求有一支專(zhuān)門(mén)的人才進(jìn)行管理。目前，農(nóng)村信用社與其他商業(yè)銀行相比，一是缺乏一些會(huì)經(jīng)營(yíng)、懂管理的人才隊(duì)伍；二是技術(shù)手段相對(duì)

4、落后，農(nóng)村信用社信息網(wǎng)絡(luò)系統(tǒng)還在建設(shè)當(dāng)中，現(xiàn)有技術(shù)支持不能滿(mǎn)足全國(guó)性通存通兌以及大面積網(wǎng)上支付和客戶(hù)資料適時(shí)查詢(xún)的市場(chǎng)需要，在很大程度上遏制了中間業(yè)務(wù)的進(jìn)一步發(fā)展。 二、農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型勢(shì)在必行。 推進(jìn)農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)經(jīng)營(yíng)理念和發(fā)展模式轉(zhuǎn)型，是農(nóng)村信用社一項(xiàng)脫胎換骨的變革，是農(nóng)村信用社發(fā)展戰(zhàn)略的一次重大調(diào)整，也是謀求農(nóng)村信用社長(zhǎng)遠(yuǎn)發(fā)展的一項(xiàng)重要舉措。農(nóng)村信用社必須堅(jiān)持從實(shí)際出發(fā)，從簡(jiǎn)單交易型網(wǎng)點(diǎn)向綜合服務(wù)營(yíng)銷(xiāo)型網(wǎng)點(diǎn)轉(zhuǎn)變，從觀念、經(jīng)營(yíng)、風(fēng)險(xiǎn)管理、服務(wù)和隊(duì)伍等五個(gè)方面著手，全面推進(jìn)營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型，提升農(nóng)村信用社的綜合實(shí)力。 1、觀念要轉(zhuǎn)型。觀念決定思路，思路決定出路，觀念轉(zhuǎn)型是農(nóng)村信用社營(yíng)業(yè)

5、網(wǎng)點(diǎn)轉(zhuǎn)型的前提和基礎(chǔ)。要讓員工充分認(rèn)識(shí)到，農(nóng)村信用社要想在激烈的市場(chǎng)競(jìng)爭(zhēng)中站穩(wěn)腳跟，各營(yíng)業(yè)網(wǎng)點(diǎn)必須樹(shù)立起以市場(chǎng)為導(dǎo)向、以客戶(hù)為中心、以發(fā)展為根本，以效益為目標(biāo)的現(xiàn)代銀行經(jīng)營(yíng)理念。首先，要樹(shù)立市場(chǎng)營(yíng)銷(xiāo)觀念。成功的銀行都有成功的市場(chǎng)營(yíng)銷(xiāo)。多年來(lái)，農(nóng)村信用社業(yè)務(wù)服務(wù)對(duì)象單一，坐等客戶(hù)上門(mén)，沒(méi)有全面樹(shù)立市場(chǎng)營(yíng)銷(xiāo)的觀念。按現(xiàn)代化銀行要求打造農(nóng)村信用社，營(yíng)業(yè)網(wǎng)點(diǎn)就必須樹(shù)立起全新的市場(chǎng)營(yíng)銷(xiāo)觀念，以客戶(hù)為中心，加強(qiáng)客戶(hù)營(yíng)銷(xiāo)，實(shí)現(xiàn)從被動(dòng)等客戶(hù)上門(mén)向主動(dòng)營(yíng)銷(xiāo)和服務(wù)轉(zhuǎn)變。其次，農(nóng)村信用社要要根據(jù)市場(chǎng)和不同客戶(hù)的需求，大力開(kāi)發(fā)金融產(chǎn)品，為營(yíng)業(yè)網(wǎng)點(diǎn)尋找開(kāi)發(fā)新的業(yè)務(wù)增長(zhǎng)點(diǎn)，培養(yǎng)可持續(xù)發(fā)展的客戶(hù)和項(xiàng)目創(chuàng)造條件和基礎(chǔ)。 tx

6、t-2、業(yè)務(wù)要轉(zhuǎn)型。農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)普遍存在單一業(yè)務(wù)，對(duì)綜合業(yè)務(wù)重視不夠，因此農(nóng)村信用社要學(xué)會(huì)把握金融發(fā)展趨勢(shì)，把營(yíng)業(yè)網(wǎng)點(diǎn)定位為社區(qū)銀行，為客戶(hù)提供全方位的金融服務(wù)。一是抓好存款攻關(guān)。網(wǎng)點(diǎn)要緊緊圍繞做大做強(qiáng)存款規(guī)模這一主線，轉(zhuǎn)變營(yíng)銷(xiāo)思路，創(chuàng)新?tīng)I(yíng)銷(xiāo)方式，以提升員工柜面服務(wù)質(zhì)量為重點(diǎn)，以實(shí)施走出去營(yíng)銷(xiāo)客戶(hù)為根本，組織員工深入到企業(yè)、社區(qū)和居民家中，廣交朋友，廣集信息，廣挖儲(chǔ)源，致力抓好居民存款，盡力抓好企業(yè)存款，全力抓好大戶(hù)存款。二是抓好資產(chǎn)經(jīng)營(yíng)。農(nóng)村信用社要授權(quán)營(yíng)業(yè)網(wǎng)點(diǎn)貸款經(jīng)營(yíng)權(quán)，深入社區(qū)居民中，了解居民發(fā)展生產(chǎn)的資金需求，以創(chuàng)建信用社區(qū)為載體，在把好信貸風(fēng)險(xiǎn)的同時(shí)，簡(jiǎn)便放貸手續(xù)，積極支持居民

7、發(fā)展生產(chǎn)生活。三是大力拓展中間業(yè)務(wù)。農(nóng)村信用社要抓住綜合業(yè)務(wù)網(wǎng)絡(luò)系統(tǒng)及借記卡即將開(kāi)通的有利時(shí)機(jī),積極創(chuàng)新中間業(yè)務(wù)品種，擴(kuò)大利潤(rùn)空間。要充分發(fā)揮信用社機(jī)構(gòu)網(wǎng)點(diǎn)的優(yōu)勢(shì)和客戶(hù)面廣的優(yōu)勢(shì)，與農(nóng)村和城市社區(qū)居民和經(jīng)濟(jì)組織對(duì)金融服務(wù)的需求緊密結(jié)合起來(lái)，積極拓展各類(lèi)中間業(yè)務(wù)，大幅度提升中間業(yè)務(wù)收入在總收入中的比重。另一方面要加強(qiáng)與農(nóng)、林、水、電等部門(mén)的合作，開(kāi)展代收代付多種農(nóng)村費(fèi)稅業(yè)務(wù)。有條件的信用（聯(lián)）社還可以根據(jù)實(shí)際情況，積極開(kāi)展保管箱業(yè)務(wù)、票據(jù)承兌業(yè)務(wù)、代辦企業(yè)和個(gè)人客戶(hù)理財(cái)業(yè)務(wù)，創(chuàng)造條件開(kāi)展農(nóng)村信息咨詢(xún)、農(nóng)村投資顧問(wèn)、資產(chǎn)評(píng)估和企業(yè)信用等級(jí)評(píng)估等中介業(yè)務(wù)。 江西信合網(wǎng)3、管理要轉(zhuǎn)型。農(nóng)村信用社是一個(gè)

8、高風(fēng)險(xiǎn)行業(yè)，每一項(xiàng)業(yè)務(wù)、每一個(gè)操作環(huán)節(jié)都是與資金打交道，市場(chǎng)風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)無(wú)處不在，風(fēng)險(xiǎn)每時(shí)每刻都在考驗(yàn)著每個(gè)干部員工，稍有懈怠就會(huì)造成資金損失或人身傷害。因此，農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)員工要樹(shù)立如履薄冰的風(fēng)險(xiǎn)意識(shí)和規(guī)則意識(shí)，不斷學(xué)習(xí)法律法規(guī)和規(guī)章制度以及各項(xiàng)業(yè)務(wù)操作規(guī)程，準(zhǔn)確掌握規(guī)則要點(diǎn)，提高風(fēng)險(xiǎn)識(shí)別能力。要將執(zhí)行規(guī)則貫串于業(yè)務(wù)經(jīng)營(yíng)的每一個(gè)環(huán)節(jié)，從自我做起，從點(diǎn)滴做起，從小事做起，做守規(guī)則的模范，當(dāng)執(zhí)行制度的表率，對(duì)違反規(guī)則的行為要及時(shí)加以制止或報(bào)告。全面構(gòu)建以信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)和市場(chǎng)風(fēng)險(xiǎn)量化管理為基礎(chǔ)的全新的風(fēng)險(xiǎn)監(jiān)控體系，不斷提高風(fēng)險(xiǎn)管理水平。 4、服務(wù)要轉(zhuǎn)型。服務(wù)是體現(xiàn)農(nóng)村信用社品牌

9、價(jià)值的重要載體，服務(wù)轉(zhuǎn)型是農(nóng)村信用社轉(zhuǎn)型的重要組成部分。當(dāng)前，農(nóng)村信用社優(yōu)質(zhì)文明服務(wù)工作取得了一定成績(jī)，但同新形勢(shì)下的要求相比，仍存在諸多不盡人意之處，突出表現(xiàn)在：部分營(yíng)業(yè)網(wǎng)點(diǎn)仍存在臟、亂、差的現(xiàn)象；部分農(nóng)村信用社不能很好地為客戶(hù)提供差別化、精細(xì)化和個(gè)性化的服務(wù)，造成客戶(hù)流失嚴(yán)重，等等。營(yíng)業(yè)網(wǎng)點(diǎn)要始終把客戶(hù)滿(mǎn)意度作為服務(wù)的出發(fā)點(diǎn)和落腳點(diǎn)，大力推行“人性化、差別化、精細(xì)化”服務(wù)，精心打造具有自身特色的服務(wù)品牌，全面提高服務(wù)客戶(hù)能力。一是實(shí)行“三聲兩站一雙手”的規(guī)范化服務(wù)。柜面人員在為客戶(hù)辦理業(yè)務(wù)過(guò)程中，做到來(lái)有迎聲、辦理業(yè)務(wù)有詢(xún)問(wèn)聲、辦完業(yè)務(wù)有送別聲；在客戶(hù)走近和離開(kāi)柜臺(tái)時(shí)堅(jiān)持站立服務(wù)；雙手接送

10、客戶(hù)的憑條、現(xiàn)金等物品。二是實(shí)行“快速反映，快速?zèng)Q策”的授信便捷化服務(wù)。對(duì)一些重量級(jí)的黃金客戶(hù)，堅(jiān)持早介入、早調(diào)查，開(kāi)展“預(yù)授信”，確定合理的授信額度，與其簽訂合作協(xié)議，以便在需要授信時(shí)，能在最短時(shí)間內(nèi)解決其金融服務(wù)需求。三是實(shí)行“以客戶(hù)滿(mǎn)意”為標(biāo)準(zhǔn)的“需求服務(wù)”和“增值服務(wù)”。要大力推行客戶(hù)經(jīng)理制，努力為客戶(hù)提供存款、貸款、結(jié)算等“一攬子”服務(wù)，最大限度地滿(mǎn)足客戶(hù)的融資、理財(cái)?shù)冉鹑诜?wù)需求，實(shí)現(xiàn)資本、資產(chǎn)的增值。 5、隊(duì)伍要轉(zhuǎn)型。經(jīng)過(guò)多年的發(fā)展和積累，農(nóng)村信用社已培養(yǎng)出了一支懂經(jīng)營(yíng)、善管理、忠誠(chéng)于企業(yè)的員工隊(duì)伍，這是農(nóng)村信用社可持續(xù)發(fā)展的根基和命脈。但與現(xiàn)代化銀行的要求相比，農(nóng)村信用社的員工

11、隊(duì)伍結(jié)構(gòu)還有待進(jìn)一步優(yōu)化，員工隊(duì)伍層次還需要進(jìn)一步提高。因此，農(nóng)村信用社要積極調(diào)整員工隊(duì)伍結(jié)構(gòu)，逐步提升員工隊(duì)伍層次，不斷提高員工隊(duì)伍素質(zhì)，為農(nóng)村信用社營(yíng)業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型提供必要的人才儲(chǔ)備。在員工隊(duì)伍建設(shè)上，要以市聯(lián)社培訓(xùn)中心為陣地，以專(zhuān)業(yè)知識(shí)和業(yè)務(wù)技能為重點(diǎn)，抓好新業(yè)務(wù)、新知識(shí)的培訓(xùn)，提高在職人員的素質(zhì)。要大力開(kāi)展崗位技術(shù)練兵活動(dòng)，全面提高員工業(yè)務(wù)技能。要建立員工“月考、季考、年考”的長(zhǎng)效機(jī)制，鼓勵(lì)員工樹(shù)立終身學(xué)習(xí)的觀念，努力創(chuàng)建學(xué)習(xí)型信用社。 總之，農(nóng)村信用社就像一棵樹(shù)，一個(gè)網(wǎng)點(diǎn)就是一個(gè)根系，只有把每一個(gè)根系做活、做強(qiáng)、做大，這棵大樹(shù)才會(huì)枝繁葉茂，營(yíng)業(yè)長(zhǎng)青。內(nèi)部資料，請(qǐng)勿外傳！9JWKffwvG

12、#tYM*Jg&6a*CZ7H$dq8KqqfHVZFedswSyXTy#&QA9wkxFyeQ!djs#XuyUP2kNXpRWXmA&UE9aQGn8xp$R#&#849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$v

13、STT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmUE9aQGn8xp$R#&#849GxGjqv$U

14、E9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#

15、&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z8vG#tYM*Jg&6a*CZ7H$dq8KqqfHVZFedswSyXTy#&QA9wkxFyeQ!djs#XuyUP2kNXpRWXmA&UE9aQGn8xp$R#&#849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVku

16、m&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxG89AmUE9aQGn8xp$R#&#849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx

17、2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z8vG#tYM*J

18、g&6a*CZ7H$dq8KqqfHVZFedswSyXTy#&QA9wkxFyeQ!djs#XuyUP2kNXpRWXmA&UE9aQGn8xp$R#&#849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&a

19、mp;ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmUE9aQGn8xp$R#&#849GxGjqv$UE9wEwZ

20、#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&k

21、sv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK

22、8!z89AmYWpazadNuGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD

23、6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gT

24、XRm6X4NGpP$vSTT#&ksv*3tnGK8!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&am

25、p;qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz84!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#

26、KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%

27、Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRr

28、WwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNuGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm

29、6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpaz

30、adNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv

31、adNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv

32、$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK

33、8!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4

34、NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz84!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#Qc

35、UE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpa

36、zadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%MadNu#KN&MuW

37、FA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*adNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVk

38、um&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK

39、8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmY

40、WpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR

41、9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz84!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuW

42、FA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpaza

43、dNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&am

44、p;qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNuGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vS

45、TT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&

46、ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6

47、X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&am

48、p;gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89

49、AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%MzadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#Q

50、cUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjq

51、v$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnG

52、K8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X

53、4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcv

54、R9CpbK!zn%Mz84!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum

55、&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&q

56、YpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNuGK8!

57、z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%M

58、z849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2

59、zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqvUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YW

60、RrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89Amv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu

61、#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz84!z89Amv$UE9wEwZ#QcUE%&q

62、YpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z8

63、9AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYpEh5pDx2zVkum&gTXRm6X4NGpP$vSTT#&ksv*3tnGK8!z89AmYWv*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$U*3tnGK8!z89AmYWpazadNu#KN&MuWFA5uxY7JnD6YWRrWwcvR9CpbK!zn%Mz849GxGjqv$UE9wEwZ#QcUE%&qYp