??????????????????3.7%

????:??????:????????

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