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

2?????

3??????????

4???????

5?????VX?

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