????:1???????:????95?

2???????

3??????

4????????vx

5?????????

??????????????1??????????????????????????30?????????????????????? (????????????? ????????????????????????)2025????29???,????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?????????????,???????????????(??????) ???????:??