????:1????????????????:??????VX

2???????????

3???????????

4??????????

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

??????12???????????????????????19?? (??????? ????????????????????)???(?)???????????,?????????????19???,?4.75%,????????????

?????12??18??????????????????????,????????????????25??4.25%??4.5%????,?,??9???

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

??????,2025???,????????????????????4????

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

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