??????????????????3.7%

????:????:????????

?????????????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???????????????????,?????????????????;????,??????????,?????????????????(????????) ???:??