?????? ???????

????:????:2023?????

????,???????????????????????????????????????,??????????????????????????????????,???,??????????“????”??????????,??????????????????????????????,?????????????????????,??????????????,??????:????????????2%??????????,????

“??????????”

?12?????????????????19?????????????,?,??????????????????25????????????????,????????4.25%4.5%????????????????????????????????????,????????,2025???????,?????????????????

???,?????????2025?,???????????????25??????????,9?????????,?????25??????????????;??????2026??????????????????????,?25?????,??9???????????????????

??25?,???????,?????????????????????????????,????????,??????2.58%,???????10????????,???????????1974??????????;??700????????????????,????????3.56%;??500???????????????2.95%???(CNBC)?,???,???

??,????????????????????19????????????“???????”,?????,?????????????155????????????????????????1.5%,1???????0.00069??,??2009???????????3??????????????????

?????,???18?????????????????????????1.2?????,??72.62???????????,???????????0.72%,??????????????2618.78???????????????/??????????,???

????,??????5%,????????10??????????????;????????????6%,???????9%?????24???????????,??253601????,?????????????7.02????????????????????????

??,??????????,???“?????,????????,?????????????????,????”

??

?9??,????????,??50??????????????25???????????,???????,???????????,?????????

???????????????“????,???????????”??????,?????????????,??,??????,???????,?????

?????????????????,??????,???????????????????,??????????????????????,?????;???,???????????????????????????;??????,????2%;????????2%???????????

?????????????????????,????,??????????,????????????????,???????,??????????????(Beth Hammack)??:“????”???????????90???????????,?????????????????????,????0.75??????,??????

??????????????????,??????????????1??4%4.25%?????16.3%?????,?????,?????????????????1?????????????????

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

??????????,??,??????????????????,?????????????,????????,??????????????????????????,???????????,?????????????????“??????”????,?????????????

????

“???????????????”???????????????????,???????“????????????”??,???,???1???????????????,??????“??????????????”,???25????????????

???,???????????????????,????????????????3.75%4%,??,???????????,?????????????

?????2024??3?????“????????????????????”?,???????????????????????????????????????????????????,???????

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

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

???????,2025???????????,????“?????”:???????,??????????????????????????,????????2025?1?????????????29???????,????????????????????,????????????????,??????????????????????????????3??

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