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

2?????

3???????

4???????

5?????

“517”???????????????,?????????????“3????????????????????????????”????????????????,?????????????????????,???????,?????????????

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

????????:??,????“??????”?????????????????,?????,??????????????????????,?????????????;???,??

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

?????????????????……

?????????“??”

?0??,????????!???????,?(????)??,??,????????

2022????????????????????,??,????????,????,???????????????,????????,????????????LPR(?????)??20??????????????

??????,??????????,LPR????????????????,??4%?“???,???????”?????????????????,?????????????????????????,????3%????????????????????????,??????????????????????

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

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

?,???????,????????????????????1?+????????????;??“??”,??????;?????????“??????????????????????”,????????“???????????”?????????,??????????????????????,???,???,???,????????????????,??????

????????????,???(??????????????)??????????,?3.5%??????????????????100???????????????????????????????30?????,????????????????,?????????4490.45????????????(?????2917??),???????61.66?????????????????????????????????,??????????1????????????????+???????,?????????????????,?????????2918?????????,???????????????,??????????????24?????????

?????????,“????????”?????????,???????????,?????????????,????999976???????????,????????4672.53?????????????????????,?????????????????????182.08????,??????64??????????????,??2????????????????

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

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

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

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

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

????????,2024???????1.54%,?????1.69%???????0.15????????????,???1.74%????0.2??????????????????

???????????????????????,???????????????,????????????????????????????????????????????????????????????????????????1.47%?1.62%?1.45%?4.32%?1.72%?1.47%,???0.15?????????0.14????????????0.12???????0.07??????????????0.18????0.1?????????????????????,???????????,????,??0.130.22???

??????,?????????????80??????,????????????69????,?????,???

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

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

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

??,??????,????????,???????,????????????“LPR+?????”????????,??????????????????

“?????????”????????????????,??????????????,???????????????,????????????,????????????;?LPR????,???????;????????????,???????????????

????

“517”???,??,????????????,??????????,????????????3.1%3.5%???????????,??“3”??????,???????????????????,????????????“???”?

????,??(????????)??,????LPR???,????????????????????????,?????????????????,5?????????,????????????,??,??????????????????????,????????????

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

?????????2023????????,“4.3%????????????????,????,???30???,??10???????????????,???3%,????????????”?

2022??????????,???????,????????????????????????,????????????????,??????????????,???????????????????????,???,????????????????????????????

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

????????????,“??????,?????????????????????,???????????,??????????12????”?

2024???????????????,?????(?????)????????,???????????????,???????,????“???”??????“????”?????????????????,???,??????????????????,???

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

?????????????????????????,????????????????,???????5??????????????11.14?????????????,??????4??????10.19??,???????5?????????9500?????????????????,??????????,??????4100????????????????????,M1?M2????????????????????????,????????????????,M1?????????????M2???????(?????)????

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

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

??????????,???????????,?????,??;?????????????????,??????????????????,??????????????????????

???????????????????,????????????,????????1??????,????,?????????????????????????????????????,??????????????,??,??????????,??????????????????,??,?????,?????????????????,??????

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

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

???,????????????,?????????,?,??????,?????????,??20????????????????,?????????,????,?????,??????????????

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

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

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

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

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

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