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

2?????????

3????????

4???????95?

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