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