????:1???????????:????????????

2?????98?????

3??????????

4????????????

5?????????????

????????????2????????19?? (?? ?????)????????????????19??,?????????5.75%??????????,????????????5%,???6.5%?

?????????????1?15??????????,?25?????????????5.75%,??????????5.75%???????????,????,???

??????????????,????????2025??2026??????,?????2.5%±1%?????????????????????,??????????,???,???????

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