????2????18??? ???,??18?,????0.25%,?????????????,???

?,????????????????????,????????????????0.25%,?????????4.1%,??????2020???11?????????????

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

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

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

????????,?????????????????2022????12??7.8%????????2.4%,??????????,???????? ??:???

??

??:???????????,??????????,??????????????