银行理财产品周数据：现管类理财和货基收益差距持续缩窄，仅约10BP

Investment Rating - The report does not explicitly provide an investment rating for the banking wealth management industry [1]. Core Insights - The yield gap between cash management products and money market funds has narrowed to approximately 10 basis points (BP) [1]. - Cash management products have a 7-day annualized yield of 1.67%, while money market funds yield 1.55%, both showing a 1 BP increase from the previous week [1]. - Non-cash fixed income products have shown an increase in yield, with a 1-month annualized yield of 3.08%, up 19 BP from the previous week [1]. - The performance of closed-end fixed income products has also improved, with yields of 3.43% for 6-12 month products and 3.95% for 1-3 year products, reflecting increases of 2 BP and 8 BP respectively [1]. Summary by Sections 1. Cash Management Products 7-Day Annualized Yield - As of December 15, 2024, cash management products yield 1.67%, up 1 BP from the previous week, while money market funds yield 1.55%, also up 1 BP, maintaining a yield gap of 12 BP [1][15]. 2. Performance Review of Wealth Management Products - The report indicates that the performance of wealth management products has improved due to favorable bond market conditions, with non-cash fixed income products yielding 3.08% for the past month, an increase of 19 BP [1][15]. - Closed-end fixed income products have shown yields of 3.43% for 6-12 month terms and 3.95% for 1-3 year terms, reflecting increases of 2 BP and 8 BP respectively [1][15]. 3. Maturity and Compliance Status of Wealth Management Products - From December 9 to December 15, 2024, the total maturity scale of wealth management products was 233.09 billion, with an average compliance rate of 77%, up 3 percentage points from the previous week [1][21]. - Companies achieving a 100% compliance rate include Bo Yin Wealth Management, Goldman Sachs ICBC Wealth Management, and BNP Paribas Agricultural Bank Wealth Management [1][21].