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

2???????

3?????

4??????q

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