人民币现金理财收益持续走低 年末再掀“降费潮”

Core Insights - The report highlights the performance of cash management public financial products over the past three months, indicating a decline in yields for RMB cash products while USD products maintain higher returns [5][6]. Group 1: Product Performance - The top-performing cash management products include "启源现金4号N" by 苏银理财 with a seven-day annualized yield of 2.948% and "启源货币7号B" with 2.858% [2][6]. - The average seven-day annualized yield for RMB cash management products is reported at 1.301%, with 26 products exceeding 2% and 108 products below 1% [5]. - USD cash management products have an average yield of 3.653%, indicating a continued advantage over RMB products [5]. Group 2: Fee Adjustments - In response to low yields, several financial companies, including 中银理财 and 招银理财, have announced fee reductions for their products, with some fees dropping to as low as 0.01% [6]. - The top product, "启源现金4号N," has reduced its sales service fee and investment management fee to 0.10% per year [6]. - 中邮理财's "邮鸿宝41号人民币理财产品A" has also lowered its fixed management fee to 0.01% per year during a specified period [6].