(????)??????????

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

???????????????11????????????9?????????????? (??? ?????)?????????????,?????11???????????25????????????????4.50%-4.75%??????????????????????,??

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

?????????????????????,????????????,??????????????,?????????????????????,??????????2%??????,??????????,????????,????????????????????,?????????

????????????????,?????????????????“???????????????????”??????????,???????3.5%???????

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

??????????????,???:??????????,??????????;????????,??,???????????????????;???????????????????,???

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

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

???2021??????,????????????,??????????????,?????????????

??,???????????,???,???“?????????????????,3.5%????????????????(????????100???????)?????????????”

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

????????????????,??????????????,??,???????????12?????????????,????25???????2025??4?????,??????100??(???????????????????) ??????????????????:???