????1??????????????31?? ?????????:????????(?? SARB)????????????30??????25??7.5%,????????????2024??9????????????????????????????

???6?4:2?????,???????,??????

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

?????,???????,?????????2024?12??,??????5%?3%,????????????????????????????,????15?????????????????,????????????,?4.5%?????????????????????,????????

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

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

????????????,??????????40?0.38%;?????????2.42%?????10.575%?(?????????????) ?????:?????????????

??

??:???????????,??????????,??????????????