? ???? ????????

“?????10??????????,????????????2.9????????????????!????,???”

??????????«?????????»??????,???????????????????????6????????,??????????“××??????????????”?????????,?????????,??????????????

???,?????????????,???????,???????,??????????2.8%,??????1%,??????1????????????,?????????????

????????,???10???????,???????????????????2.8%???????????5%?????????,??,??5??

?????????,???????????????????????????,?????,???????????2.9????“???????????,??????????1%,???36?????????????????????????????,????????????2.9?????????????????????????????????????????????????????????,???1.5???????”

???,??????????,???????????????????????“???????????????”,????,????2.9????????????????????????,???????????????????,???????????,???????1.7??????“????,????????5%,??????????????,??1.2?,?????????????????!”

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

????????????

???????

“???????????????????,??????××???,?????????????,????????????1??????????,??????????2???????,????????????????????????????R?”

???????4??????????????,????????????????,?????,???××????????????,???????????????,?????????????,?????????????××?????

?????????????,?????????××???,??,??????,“????”?

???????????????????,?????????,?????????3%???????,???,??????????1.9%,???App?????????????,??????????

“????????,???,?????????,????????0.4%????????????????70???????2800?????”????,???????,??,?????????????????????????????“????”,?????????????“???????????”?

?????,???,??????????????????????????,????????????,?????????:????,???????????,??????????????;????????,???,???“???????????????????,???”;??,??,“?????????????????????,?????????0.4%”;????,???????“????????????1.9%??1.8%,???????”?

???????????????????????????????,?????“???????”“??????”??????,???????,????????,???

“?????????,?????????????????????????,??????????????????,?????????????,?????,???????????????,?????,?????????????????????”??,????????????App,??????????70?????????????,????3.4%,????????????????????12?????????????????????????“??????????????1.9%,???????????????????????????????,?????????????,?????????”

?????????,?????????????“??,?????????POS??????40???????,????????????22.5???????,???????????????????17.5???????????????,?????????????????”???????,?????????,?“???0.4%”,??????????????????????????2800?????????????????

???????????,?????????,????????,?,???????????????????????6.72?????(???????2800?,?????24????,????????App?????????),????????????15%???????????????????????????????????????????????????????,?????????:??????????????????“??,???????1.9”,?????“%”,??????????“?????”????????,???????,????????????????????,???3.5??????

“????,?,???????‘??????????’‘???’‘????????’??????,??????????????????????,???????”??????,?????,???????,???“???”,??????????,????????????,????????3.5????????????????????

????????????“???”“???????????????”??,???????????“???”??????,??????,????????????“???????”,??????,??????;????????????????“???????????????????”?????????????(?????????????),????????????,??????????????,????????,????????????????????

?????????????????????????,?????,???????,?5??????10??????????50??????100?????;?????????????,“????????????????”?????????????????“??????”???????????;????????,??????12??????,???????24??????????,??????????????????????????????????????????,????????????????????????????

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

?

???????????

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

?????????????????????????,??????????????,????“???????????????????????????????????????????????????????????????????,????????????????????????”?????????????,????????????,???????

“??????????‘??????????????’??????????,???,?????‘????,????????????,??’???????,?????????????????”?????????????

???????????,??????????????????????????????????,???????????,????????????(???????????????????)??,?????????????,????????????,??????????????????,?????????????????????????????,???????????????

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

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

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

“???????????????????”???????,?????????,?????????????????????,????????????,??,????????????????,???????,?,??????????????????????,????????????

“????????????????,???????????????????????????,?????????????????????,???????????????????????????,?????????????,????????????????‘??????????????????’‘???????????’????,????‘????????’‘????’??????????????????”???

???

?????????

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

??????2022????????????????,???????????,???????,??????????,???????????????????????????????????,?????????????????????????????

2023???12??????,?????????????????????????«?????????????????? ???»;2024???????????1???????,???????????????????????????AI???????,????30?????

???????

2023??3??????????,??????«??????»,?,???????????????????,??????????????????????

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

??????????,???????????,???????????????????????App?????AI??????????????,????????

“???????????????????????,???????,????????????????????,?????????,??????????????????????”????????

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

(????) ?????????:??????????????????????????? “????????”????

?? ??10?????2.9???????? ?????

????:1?????????:2023????QT???

2???????

3????????????

4?????2021

5????????

? ???? ????????

“?????10??????????,????????????2.9????????????????!????,???”

??????????«?????????»??????,???????????????????????6????????,??????????“××??????????????”?????????,?????????,??????????????

???,?????????????,???????,???????,??????????2.8%,??????1%,??????1????????????,?????????????

????????,???10???????,???????????????????2.8%???????????5%?????????,??,??5??

?????????,???????????????????????????,?????,???????????2.9????“???????????,??????????1%,???36?????????????????????????????,????????????2.9?????????????????????????????????????????????????????????,???1.5???????”

???,??????????,???????????????????????“???????????????”,????,????2.9????????????????????????,???????????????????,???????????,???????1.7??????“????,????????5%,??????????????,??1.2?,?????????????????!”

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

????????????

???????

“???????????????????,??????××???,?????????????,????????????1??????????,??????????2???????,????????????????????????????R?”

???????4??????????????,????????????????,?????,???××????????????,???????????????,?????????????,?????????????××?????

?????????????,?????????××???,??,??????,“????”?

???????????????????,?????????,?????????3%???????,???,??????????1.9%,???App?????????????,??????????

“????????,???,?????????,????????0.4%????????????????70???????2800?????”????,???????,??,?????????????????????????????“????”,?????????????“???????????”?

?????,???,??????????????????????????,????????????,?????????:????,???????????,??????????????;????????,???,???“???????????????????,???”;??,??,“?????????????????????,?????????0.4%”;????,???????“????????????1.9%??1.8%,???????”?

???????????????????????????????,?????“???????”“??????”??????,???????,????????,???

“?????????,?????????????????????????,??????????????????,?????????????,?????,???????????????,?????,?????????????????????”??,????????????App,??????????70?????????????,????3.4%,????????????????????12?????????????????????????“??????????????1.9%,???????????????????????????????,?????????????,?????????”

?????????,?????????????“??,?????????POS??????40???????,????????????22.5???????,???????????????????17.5???????????????,?????????????????”???????,?????????,?“???0.4%”,??????????????????????????2800?????????????????

???????????,?????????,????????,?,???????????????????????6.72?????(???????2800?,?????24????,????????App?????????),????????????15%???????????????????????????????????????????????????????,?????????:??????????????????“??,???????1.9”,?????“%”,??????????“?????”????????,???????,????????????????????,???3.5??????

“????,?,???????‘??????????’‘???’‘????????’??????,??????????????????????,???????”??????,?????,???????,???“???”,??????????,????????????,????????3.5????????????????????

????????????“???”“???????????????”??,???????????“???”??????,??????,????????????“???????”,??????,??????;????????????????“???????????????????”?????????????(?????????????),????????????,??????????????,????????,????????????????????

?????????????????????????,?????,???????,?5??????10??????????50??????100?????;?????????????,“????????????????”?????????????????“??????”???????????;????????,??????12??????,???????24??????????,??????????????????????????????????????????,????????????????????????????

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

?

???????????

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

?????????????????????????,??????????????,????“???????????????????????????????????????????????????????????????????,????????????????????????”?????????????,????????????,???????

“??????????‘??????????????’??????????,???,?????‘????,????????????,??’???????,?????????????????”?????????????

???????????,??????????????????????????????????,???????????,????????????(???????????????????)??,?????????????,????????????,??????????????????,?????????????????????????????,???????????????

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

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

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

“???????????????????”???????,?????????,?????????????????????,????????????,??,????????????????,???????,?,??????????????????????,????????????

“????????????????,???????????????????????????,?????????????????????,???????????????????????????,?????????????,????????????????‘??????????????????’‘???????????’????,????‘????????’‘????’??????????????????”???

???

?????????

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

??????2022????????????????,???????????,???????,??????????,???????????????????????????????????,?????????????????????????????

2023???12??????,?????????????????????????«?????????????????? ???»;2024???????????1???????,???????????????????????????AI???????,????30?????

???????

2023??3??????????,??????«??????»,?,???????????????????,??????????????????????

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

??????????,???????????,???????????????????????App?????AI??????????????,????????

“???????????????????????,???????,????????????????????,?????????,??????????????????????”????????

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

(????) ?????????:???????????????????????????