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

2??????????

3????????

4??????????

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

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