????:1???????:???????

2?????v?

3??????????

4??????????

5??????????

??????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%?(????????????????) ???????????:??????