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

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

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

????,????“??”???

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

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

??

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