现金理财近3个月收益率均值跌破1.4%！上半年规模下降12%
2 1 Shi Ji Jing Ji Bao Dao·2025-09-03 11:01

Overall Performance - The average annualized yield for cash public wealth management products in RMB is 1.396% as of August 28, with only 1.02% of products achieving an average yield of 2% or above in the last three months [3] - The average annualized yield for cash public wealth management products in USD is 3.928% [3] Top Performing Products - Su Yin Wealth Management's "Qiyuan Currency No. 2 (ESG Theme) F" and "Qiyuan Cash No. 4 N" rank first and second, with average annualized yields of 2.931% and 2.879% respectively [4] - "Tiantianli Cash Treasure No. 68" from Pu Yin Wealth Management ranks third with an average annualized yield of 2.246% [4] Highlighted Product Analysis - Su Yin Wealth Management's "Qiyuan Currency No. 2 (ESG Theme) F" was established on October 15, 2024, with its top ten holdings primarily in deposit-type assets [5] - The seven-day annualized yield for different share classes of "Qiyuan Currency No. 2 (ESG Theme)" ranged from 1.49% to 3.28% as of June 30, 2024, with a maximum yield difference of 1.79% between share classes [5] - The total share of "Qiyuan Currency No. 2 (ESG Theme)" decreased by 10.95% from the end of 2024 due to the downward trend in cash wealth management yields [5] - The overall scale of cash wealth management in the banking sector was approximately 6.4 trillion yuan at the end of the first half of 2025, a decrease of 12.33% from the end of 2024 [5] - Recent interest rate cuts by several small and medium-sized banks, including Jiangsu Bank and Nanjing Bank, have lowered three-year fixed deposit rates to 1.75% [5] - The six major state-owned banks reduced their three-year fixed deposit rates to 1.25% in May [5] - With declining market interest rates and the maturity of high-yield, high-rated fixed-income assets, the overall yield of cash wealth management products is expected to continue to decline [5] - Despite market volatility, cash wealth management products maintain certain advantages due to positive yields, focusing on liquidity management [5]