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

2???????????

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

4??????????

5?2023????????

??12?????????19?????? (?? ???????????????)???????19???????????????,??25????????5.75%????????????????8?,????????????

???????,???????????????2025??????3.4%,?3.3%,??????????2026????????????????3.7%???,??

??????12????????????20???????????,????6.0%?5.75%,??5.25%??6.25%?

????????????????????,?????????8???8??????,????,????????????????6.50%????????????6.25%;10???25???????

?,???????????,?????????????????????????“??????”??,“100??,??”?????????,???,????,???????,?????????,???(????????????) ?????????????:???????????