41只现金类理财收益率超2%，苏银冠亚军产品再度增设子份额

Market Performance - From November 2025 to January 2026, the DR007 (7-day pledged repo rate) exhibited a pattern of "stable operation → year-end spike → early year decline," with a peak of 2.1559% during the last three days of December 2025. Overall, the rate fluctuated within the range of 1.45% to 1.64% [6] - The interbank lending market saw the 7-day interbank lending rate range between 1.34% and 1.63%, maintaining a low spread with DR007, indicating overall stability in credit risk preference [6] - The 1-day interbank lending rate fluctuated between 1.28% and 1.57%, with a spread exceeding 15 basis points over DR007, reflecting liquidity stratification effects on overnight credit lending [6] Cash Product Overall Performance - As of February 5, there were 7,561 public cash management products in existence, with 7,521 in RMB, 39 in USD, and 1 in AUD. The average 7-day annualized yield for RMB cash products was 1.293% over the past three months [7] - 87.6% of the 6,591 RMB products had yields concentrated in the 1% to 1.5% range, while only 41 products exceeded a 2% yield [7] - The average 7-day annualized yield for the 39 USD cash products fell below 4%, standing at 3.478% [7] Product Updates - The "Qiyuan Cash 4 No. N" and "Qiyuan Currency 3 No. G" from Su Yin Wealth Management secured the top two spots in the rankings. Both products include a small allocation to public funds and bond assets [8] - Recently, these two products introduced new sub-classes, "Qiyuan Cash 4 No. Z" and "Qiyuan Currency 3 No. Z," with a minimum investment amount of 0.01 yuan. However, the annual sales service fee for "Qiyuan Currency 3 No. Z" is slightly higher at 0.40% [8]