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

????1??20??????????????????????? ???????????19??,???????,2024??????????????10%????,???

??????????????????,2024??9.2%,?????2.714????

????????????????????????(Maxime Toubart)18?????:“????”????????????????,??????????????,???????????????????????????????,????????????

«??????????????????????»???,????????????,???????????,???2022???????????3.26?????????,?????????????2023????????????????????2.99?,???8%?

??????,«????»???????????,????????????????????,???(??) ????:??