???????????????????2?18????? ???,?????????18?????????????,???????????0.25%,??????,???

???,?,???????????????????????????0.25%,?????????????????????4.1%,??2020??????11???

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

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

???,???????“??????”????,??“????”?

??????????,????2022??????????????????????12????????????????????7.8%??2.4%,?,??????????? ?????:???

??

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