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

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

???????8???????27???? ?????????????????(Bankrate)?,?????????????????50%????,????,??

??,???,???1???44%,?????2020?3???????????

?,????????34%???????32%?????????????????,??????????????????????????????2022?????????????????,????????

???????????????(Ted Rossman)?????????????????????,“?????????????2021?????????????????,???,?????????????2021????45%?????????2011??????????????”

????????????????????????,?????,??????????????????????????????,???

?????????????,60%?????????????,???2021??????????????????10%?????2022????????,?(24%)??????????17%???? ??????:?????