????“?????”,?????????

????/???????

2025?????????????,?????????????????4.25%??4.5%????,?????????????????2024?????????????9??????

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

??????????????????,??????????????,??“?”????,????????????????????????“?2%????????????????????”??????????,??????,??????????????“????????????????????”??????

????????,???,??????????2%???????????????“???????”?????????,??????

?????????????????,????????,?????????????,??????????????2%?????????????????,?????“????????,??”?

????,????“????,???????”

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

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

?????????,???????????????????,?????????????,???,??????????????,?????????????,?????????????????????????,???????6?12??????25?????????????,?????2026??????????????,????3.5%??????????????????????3.75%?

?????,????,2025?????????CPI?????????????3%;???????????????,???????????????????????2025??1??????????????????2??????????????,?1????,???????????3???????????????

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

???,???????????,????,??????????,???3???????????,3??????,??? ?????????????????:?????????