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现金管理类理财降温 日开型理财成新宠
Zheng Quan Ri Bao· 2025-07-22 17:03
Core Viewpoint - The decline in returns from cash management financial products and the rise of daily open financial products reflect a shift in investor preferences in a low-interest-rate environment [1][3]. Group 1: Market Trends - Cash management financial products have seen a decrease in both scale and returns, with the number of such products dropping to 2,237 and total scale decreasing to 6.88 trillion yuan, down over 430 billion yuan from the end of last year [1]. - The average annualized return for cash management products has fallen to 1.54%, a decrease of 33 basis points compared to the end of last year [1]. - In contrast, daily open financial products have gained popularity, with a total scale of 10.92 trillion yuan and 5,200 products available as of June, with an average annualized return of 1.8769% [2]. Group 2: Product Characteristics - Daily open financial products offer daily redemption, flexible investment amounts, and a broader investment range, resulting in slightly higher returns compared to cash management products [2]. - These products are designed to meet short-term funding management needs, with a risk level typically classified as medium to low [3]. - The regulatory environment has tightened for cash management products, leading investors to seek alternatives like daily open financial products [3]. Group 3: Future Outlook - Banks and wealth management subsidiaries are encouraged to optimize services and enhance customer experience, focusing on product line diversification and improved liquidity management [4]. - There is a need for tailored product offerings based on different risk preferences among customer segments [4]. - The shift towards a more service-oriented approach, leveraging technology to enhance efficiency and customer engagement, is essential for maintaining client loyalty [4].