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

2???????

3?????????

4?????????????

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

??????????????9?????13?????????????????????????? (?????????? ??)??13????,8?????????

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

??????????8???????1??16???????5.25%???,?,??

?????,?????8????????????12?????????????5???2.8%??2.7%,?????????????????????2021???????????8????

5?6???????,?2%??????,?????????????7??2.2%,?????,???????????2.75%?,????????(?) ???:?????????????????