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

2?????????

3???????

4?????????

5???????

???????9???????11??????????????? (?? ?)?11?3.7%,??2.8%;?????????????

7???????????????19?????????????,?????????????3.81%;7??????????25?????,????????????????3.85%;8??16?????????????????,??“?”????????3.9%,2025??3.26%?

11??2024???,????,??????????,???????????(AI)????????????????,????????????;?8?,???????????????????

?,?,??AI??,???,?????,???,?????????????????

???????????????????,????????????“????????????????”,???????????????????60%?

?????????2025????????????????????,?????,AI?,??????;??,??????????????????????????????????????????????,???????(?) ??????????????????????:??????????????????????????