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

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

“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???,???????????????????????,??????,??,????????????????????????????????????

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

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

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

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

? ????????

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