??,??“???”,?????????????

??

????2????????????????????14? (???? ????????????????????? ??????????????)“2???????????????,3???????????????????????4.3%,??‘?’?????”?????????

?????????????????????,????????????????,????????????4%??????3%??,??????????200BP????????????????????,????????????,???,???

??4%

2??13????????????????????,??????App???????????,??2025??3???????“????”3???????????6???1??2.5%?2.7%??????????3.0%,???5000?????????,2025??????3?????????“?”??2??????9?????????????????

???????,1??22????2?????7?????????????,??????????????1????“?”?????????????????1???????????????3??6???????1??4.25%?4.15%?4.10%??????????????????????4%?

???????????????:?App? ??

??,??1???4%??????????3%,??100?BP?????????,2??13???,?,???????????,“???????????”????????????????????????,??????????????,?????????????????,????????????????

“???????????????????????”???????,2025????????????2??????????????8?,“???”???????????,??????????3000(????)??????????2.1%,??????????????3000(??????????)????2.5%????,??????“???????????????”????????????3000(?????????????)????,?????????????????????????????4.3%?????????????????????4.0%???,???????????????????????220???????????BP??????150???????????????BP,?“?????????????”?

?????2???????????13?,?,?????????????????????????????????????,2?????????????12?????????,?8000(?????????)??,3??6???13??????2.5%?2.7%??2.8%,????100???8000(??)???????????,3????????????????6???????13????????????2.4%?2.6%???????????2.7%???????????1???????????,??4%???????????????

??:?App

???

??,?,??????????,???????????,??;?,??????????????,???????????????,?????????;???????????,??????

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

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

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

?????????????????????,??2025?????(2025????????????1???????????????),????,??,????,???

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

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

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

(??,????????:weiwei@chinanews.com.cn)(?APP)

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

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

?????????????:??????

?????????

???????,??“???”,??????????????????

????????