????:1???????:????????

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

3??????????

4???????????

5????????????

?9?????????????11?????????? (? ?)??11???????3.7%,?????2.8%;???

7??19??????????,????????????3.81%;7????????????????25??,???????3.85%;8??16?????????????????,???????????????????“??”??????3.9%,2025????????????????3.26%?

11?2024????????,???,????,?(AI)????????????,???????????????;????????????????????8????,??????????????

?,?????????????????????,????????????????????AI???????????????,?,????????????????,?????????,??

?,?????“??”,?????????????????????????60%?

???2025???,????????????????????,AI??????????????????,????????????????;??,???????????????????????????????????????,????????????(?) ??????:???