解:E(Y)=1*(0.12+0.03+0.15)+3*(0.05+0.25+0.20)+5*(0.15+0.02+0.03);E(X)=1*(0.12+0.05+0.15)+2*(0.03+0.25+0.02)+3*(0.15+0.20+0.03);E(XY)=1*1*0.12+1*2*0.03+1*3*0.15+3*1*0.05+3*2*0.25+3*3*0.20+5*1*0.15+5*2*0.02+5*3*0.03;Cov(X,Y)=E(XY)-E(X)E(Y)。