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

????:????????400:?????????

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