银行理财产品周数据：封闭式产品达标率84%，高于平均水平

Investment Rating - The report indicates a positive investment outlook for closed-end wealth management products, with an average compliance rate of 84%, which is higher than the overall compliance rate and that of open-end products [9][10]. Core Insights - The annualized yield for cash management products over the past 7 days is 1.81%, a decrease of 2 basis points from the previous week. The yield for money market funds remains stable at 1.54%, resulting in a narrowing yield gap of 27 basis points [6][7]. - The annualized yield for daily open non-cash fixed-income wealth management products over the past month is 2.55%, down by 1 basis point. In contrast, the yield for closed-end fixed-income products with a maturity of 6-12 months has increased to 3.88%, up by 5 basis points [7][9]. - The average compliance rate for wealth management products maturing from July 15 to July 21, 2024, is 66%, an increase of 4% from the previous week. Notably, companies like Bohai Bank Wealth Management and BlackRock Jianxin Wealth Management achieved a 100% compliance rate [9][10]. Summary by Sections 1. Cash Management Products - As of July 21, 2024, the annualized yield for cash management products is 1.81%, a decrease of 2 basis points from the previous week. The yield gap between cash management products and money market funds has narrowed to 27 basis points [6][7]. 2. Performance Review of Wealth Management Products - The annualized yield for daily open non-cash fixed-income products is 2.55%, down by 1 basis point. Closed-end fixed-income products with a maturity of 6-12 months have an annualized yield of 3.88%, up by 5 basis points. Closed-end fixed-income products with a maturity of 1-3 years have an annualized yield of 3.32%, down by 13 basis points [7][9]. 3. Maturity and Compliance Status - The total scale of maturing wealth management products from July 15 to July 21, 2024, is 276.35 billion yuan, with an average compliance rate of 66%, which is an increase of 4% from the previous week. Closed-end products show a superior compliance rate of 84% [9][10].