????:1??????????:????x22ppp

2???????

3???????????

4?????2023

5??????

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

??,?;?,??????????????????;???????????????????????????????,?????……??????????,??????,???????

10???14??,?????????????????????,??,????????16.02?,????25.66??????????,???????????,????15.39?????????????????????????9??????????,????????402.19????????????????,???8.0%,??????????????????????????????????????????,????????,???????????????????????????

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

????????,?????????????,?????????????,????????????,????????????????????????,?????????,??????????????????????????,????,????????,???????,??????????????2??????????????5????????????????7????????????

9??????27??????,???????????:????0.5????(??????????5%?)?????,????6.6%????????????????????????????,??,?????,???????????????????,???9????????????????????27????,?????????????7??????1.70%???????1.50%????14???????7????,??

“??????,???????,????,????”????????????,??,???,?????????,??????????????1??????????????????;???????????????,???????????20????????,?????4???????????

?????????????????????????????9??????????????????,????257.71????,?7.6%,???????????????????253.61??,????8.1%????,???9????????3.63%,?????????????????21???;??3.32%,??2?????????????????,?????78???????,??????????

????????????????????,????????,?????,??????????????????????,????,?????????,?,????????3.2%?????????2.85%,?????????,?????????????????????????

?????,???????3900??????????????,??????????????????????????????????????????????????????????????????????????????,????100?????????????????????????????????,??????????????????,?????????

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

???????????????,?,??????????????,??,“????????”???30%?????,????????

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

???????,????3000????,??????,?????????

????,????9???????????????,???????????13.88?????????????????,??????????????????14.8%,????????,????12.0%?“???????????”?????4.26???,????13.5%??32.90?,????????????14.5%??????????????

“??????????????‘????????????????’??????????????????,??????????,??????????????????????????????”?????????????????

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

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

9????26?????????,????,??????????????????????,??,??????????????????????????,???????

????????,???,?,???????????????,?10?????

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

10?12????,??????????????????????????????????????????????,????????10???????????????????25???????????????????????????????,?????????????,????????????????(????????????????)??????

??,?????????????????????????????????LPR(?)????????30???????????????LPR?????????30??????????LPR???????????????30????????????????????????????????????,??????????????

????????,??????7????,????4.06%???8??3.61%????,???????????????????????3.55%,????,??4.06%???0.5???????,????????????????????????????,????????????????????????

???,???????100???????25???????????????????,???????4.4%???????????????3.55%,?????????5600???????????,??????????????5000????????????,1.5???,???????????????1500??????????

???????,????????,??,5????????????,??????,????????????;9???????????????????,???????????

“?????,?????????????????”?????????????,???,?????????,??????,?????????????????(?????????? ????????)

« ?????????????????? »( 2024??????10???????????????????15??????? 10 ?) ????????????????:????