????:1??????V:????????

2??????????

3???????

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

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

???????8?????????????????27??? ????(Bankrate)?????,??50%??????,???,???

?????????????????,??????????????????,?1?44%,????2020?????????????3????????

???,???34%?????????????32%?????????????????,??????????2022?????,????????????????????????????

??????????(Ted Rossman)?????????????????????,“???2021????????,??????????????,?????2021?????????????45%???????????2011??????????????????”

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

????,60%?,?2021????10%??????????????2022??????????????????????????????,????????(24%)????????????????????????17%??? ??????????????????:??????