????:1???????:???????9598

2????????

3?2020????????

4?????VX

5?????????100

?2????91??????……?,??????,???

?2???

«??????????????»??????????2???????,??5?2???????,????4????????????????(??????),???????2????(5?1??????2?)?????????11????13????????????

?????????????

?«??»,??????,?60????,???????????4????1????,????????63????;?????????????????????????55??,???????????????4?1???????????,???58??????????;?????????????50??,??2?1???????,?55??

??????

??????,????????,??????????????????1???????????1????,?,??;??????1?????,????????????,??????????????????,??????2024????????5?????????18??????????????????,?0.25?????,5??????(?????????5?????????????????????)??????5?2.35%??????2.85%,5??????(??????5???????)????5???????????2.775%????3.325%??????2024??5???????????????18???????,???????????????2025?1?1???????

??????63???

??????????«???????????»???????,?60??63?,?60?63????????????

91???

??????«????????????????????????(2024??????)»??????????????????????????91??????,?????3159??????????????????,??91????????,????????????????????????????89?????????????/?,2??,?????43????????

?

«????»?????????????,?,????????????,???????????????,??

??????

«??»?????,?????,???????????,?????????????,?????????????? ?????????????????????????

(?) ??????????????????????:????????????????????????