???LIC?????????? (??“LIC”? ??)? 1997?? ???????? ???? ??? ?????.???? ?? ?????, ???????, ??5.1???, ????????, ???????????, ????????, “??? ?? ???”??? ??,??????? ?? ? ??, ???????????, ???????AAA????, ????????????????, ???4?????? ????, ???????????, ??????? ????, ??? ?????, ??? ????AA???? ? 100??? ??, ?, ?? ??? ?? ?? ?????. ????? ??? ??? “??5.1???”, “????????” ?? ?? ?????.LIC?“??? ??” ? ??????? ?? ????,??, ??? ??? ???? ?? ???? ????. LIC? ????? ?? ??, ?? ???? ??? ???? ???? ?? ??? ??? ????.