????????????????????????????????,??????,????????????,???1?????????????8????????,??????????,??,????????????????????????????????????????????????????????????????????????????????????????,?????????????????????3????2%,????????????????????3??????????????2.95%????????????,“????????,??????????????,????????????”?

????????

??,????????????????,????????????1???8??,?,????????,?????????????????????????????????????????????????????????????????????????????????????????????????

“20?????????????,??????????,????,??????????”,1????????????8??,????????«???????2025????????“??????”????»,??????1???3????????????????????,???1.65%?2.2%,????100?????????????,??1.65??????6.6?????????????????,???????????1??????3000?????3????????2000?????????,?????????????,??,????????????

???2025?????????1????????????????(??)?????????,3??3000??????????????,?????????????????????????,20??????,???????2.2%?

??????????,?????????,???????,???,??????????????????????????????????????????3????????????3??????

?????????3????6????????1???????2?????????????3?????,?????????????????1.35%?1.55%?1.65%?1.75%?2.2%;?????????2025????,20??????,???????????????1???????????,?????????,????????????,????????,???????????????????????????????3?????????2.6%?

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

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

?????????,????????????????1???????8?????????,?????,??????,??????????????????????

??????????????????,?????????????2025????????????????1??3????????????,????????1????????????2????????3????,??2.1%?2.4%?2.95%,??????????20?????????????,“????????2.95%???,??????????????????????????????????????,??????????????100??????????,?20?,????80??????????????,??????????,?”?

“?????,3???????????2.45%,?”,????????????????,?????,???????????

“????????????????????????????”,?????????????,“???????????3??????????,????2.15%?”??,???????7000?????????,??????,????????????????,“3?2.6%??????????????,??,??????????????,?????????????”?

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

?360?????????????,?????,?????????????????????????????????????????,???????????????????????????,?????????????,????????????,??????????????????????????

????

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

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

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

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

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

? ???????? ??????????????????:??????????????? ??“??????????”????

?? ?????3% ????????

????:1???????????:??150????

2??????

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

4???92?95?98???

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

????????????????????????????????,??????,????????????,???1?????????????8????????,??????????,??,????????????????????????????????????????????????????????????????????????????????????????,?????????????????????3????2%,????????????????????3??????????????2.95%????????????,“????????,??????????????,????????????”?

????????

??,????????????????,????????????1???8??,?,????????,?????????????????????????????????????????????????????????????????????????????????????????????????

“20?????????????,??????????,????,??????????”,1????????????8??,????????«???????2025????????“??????”????»,??????1???3????????????????????,???1.65%?2.2%,????100?????????????,??1.65??????6.6?????????????????,???????????1??????3000?????3????????2000?????????,?????????????,??,????????????

???2025?????????1????????????????(??)?????????,3??3000??????????????,?????????????????????????,20??????,???????2.2%?

??????????,?????????,???????,???,??????????????????????????????????????????3????????????3??????

?????????3????6????????1???????2?????????????3?????,?????????????????1.35%?1.55%?1.65%?1.75%?2.2%;?????????2025????,20??????,???????????????1???????????,?????????,????????????,????????,???????????????????????????????3?????????2.6%?

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

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

?????????,????????????????1???????8?????????,?????,??????,??????????????????????

??????????????????,?????????????2025????????????????1??3????????????,????????1????????????2????????3????,??2.1%?2.4%?2.95%,??????????20?????????????,“????????2.95%???,??????????????????????????????????????,??????????????100??????????,?20?,????80??????????????,??????????,?”?

“?????,3???????????2.45%,?”,????????????????,?????,???????????

“????????????????????????????”,?????????????,“???????????3??????????,????2.15%?”??,???????7000?????????,??????,????????????????,“3?2.6%??????????????,??,??????????????,?????????????”?

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

?360?????????????,?????,?????????????????????????????????????????,???????????????????????????,?????????????,????????????,??????????????????????????

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