南财理财通数据显示，截至12月18日，理财公司公募现金管理类产品（含不同份额）共计存续7156只，其中人民币产品7119 只、美元产品36只、澳大利亚元产品1只。 从行业整体情况来看，近3个月人民币现金类产品（含不同份额）的七日年化收益率均值为1.301%，26只产品的区间内七日年化 收益率均值超过2%，108只产品的收益率均值低于1%。36只美元现金类产品继续保持收益优势，近3个月七日年化收益率均值为 3.653%。 集团 21世纪经济报道 理财公司现金类公募理财 近3月业绩榜单 | F 를 | 产品名称 | 管理人 | 起购金额 (元) | 区间内七 日年化收 益率均值 | | --- | --- | --- | --- | --- | | 19 | 后用处金4号N | 苏银理财 0.01 | | 2.948% | | | 启源货币7号B | 示银理财 | 0.01 | 2.858% | | | 邮鸿宝41号人民币理财产品A | 中邮+1 | 0.01 | 2.465% | | ব | 现金管理类型财产品42号A | 华夏理财 | O.OIL | 2.247% | | 5 | 招赢目日会139号观会管理类 ...

Overall Performance - The average annualized yield for cash public wealth management products in RMB is 1.396% as of August 28, with only 1.02% of products achieving an average yield of 2% or above in the last three months [3] - The average annualized yield for cash public wealth management products in USD is 3.928% [3] Top Performing Products - Su Yin Wealth Management's "Qiyuan Currency No. 2 (ESG Theme) F" and "Qiyuan Cash No. 4 N" rank first and second, with average annualized yields of 2.931% and 2.879% respectively [4] - "Tiantianli Cash Treasure No. 68" from Pu Yin Wealth Management ranks third with an average annualized yield of 2.246% [4] Highlighted Product Analysis - Su Yin Wealth Management's "Qiyuan Currency No. 2 (ESG Theme) F" was established on October 15, 2024, with its top ten holdings primarily in deposit-type assets [5] - The seven-day annualized yield for different share classes of "Qiyuan Currency No. 2 (ESG Theme)" ranged from 1.49% to 3.28% as of June 30, 2024, with a maximum yield difference of 1.79% between share classes [5] - The total share of "Qiyuan Currency No. 2 (ESG Theme)" decreased by 10.95% from the end of 2024 due to the downward trend in cash wealth management yields [5] - The overall scale of cash wealth management in the banking sector was approximately 6.4 trillion yuan at the end of the first half of 2025, a decrease of 12.33% from the end of 2024 [5] - Recent interest rate cuts by several small and medium-sized banks, including Jiangsu Bank and Nanjing Bank, have lowered three-year fixed deposit rates to 1.75% [5] - The six major state-owned banks reduced their three-year fixed deposit rates to 1.25% in May [5] - With declining market interest rates and the maturity of high-yield, high-rated fixed-income assets, the overall yield of cash wealth management products is expected to continue to decline [5] - Despite market volatility, cash wealth management products maintain certain advantages due to positive yields, focusing on liquidity management [5]