美元现金类产品（含不同份额）当前共计存续30只，近6月七日年化收益率均值为3.879%。虽然与人民 币现金类理财相比，美元现金类产品依旧具备一定的收益优势，但自2025年9月起，美联储两次降息共 计50个基点，联邦基金利率调至3.75%-4.00%，美元现金理财收益受此影响进一步下滑，仅个别美元理 财产品收益率能维持在4%左右，整体呈下行趋势。"中银理财-QDII日计划（美元版）U"是样本中唯一 一只收益率超过4%的美元现金类产品，近6月七日年化收益率均值为4.003%，三季度运作报告显示，该 产品超过六成资金投向现金及银行存款，其余主要投向美元债等。 炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 记者丨胡荷馨 编辑丨唐曜华 南财理财通数据显示，截至10月30日，理财公司公募现金管理类产品（含不同份额）共计存续5722只。 | 를 | 产品各称 | 营理人 | (76) | 三日报收 張家祠值 | | --- | --- | --- | --- | --- | | | 启源现金4号N | 苏银理财 | 0.01 | 2.922% | | | 启源货币3号G | 苏银理财 | 0.0 ...

真集团 21世纪经济报道 理财公司现金类公募理财 近6月业绩榜单 | F 를 | 产品名称 | 量用人 | 起购金额 (元) | 近6月市 日年化收 | | --- | --- | --- | --- | --- | | | | | | 益率均值 | | | 启源现金4号N | 示银理财 0.01 | | 2.922% | | | 启源货币3号G | 苏银理财 | 0.01 | 2.875% | | | 京华远见言系列易淘金3号A | 北银理财 0.01 | | 2.103% | | 4 | 浦惠来了专属于未添利加 主 68号 | 浦银理财 | 0.01 | 2.085% | | 5 | 招赢目目会82号A | 招银理财 0.01 | | 2.051% | | 6 | 徽安现金管理类理财产品47号-A | 徽银理财 | 0.01 | 1.956% | | 7 | 添利12号净值型理财产品B | 700 Hitseh | | 1.944% | | 80 | 天天市长 3号 1 5 期A | 平安理财 | 0.01 | 1.938% | | 9 | 招银理财 0.01 | 1.931% | | --- | --- ...

Overall Performance - As of September 4, the average seven-day annualized yield for RMB public cash management products was 1.447%, while for USD cash products it was 3.942% [5] - There are a total of 4,922 RMB public cash management products, with only 55 products (1.1%) yielding over 2% in the last six months [5] - 1,561 products (31.7%) had yields between 1.5% and 2%, while three products yielded below 1% [5] Highlighted Product Analysis - The top three products in terms of average seven-day annualized yield over the last six months are "启源现金5号1" and "启源货币2号(ESG主题)F" from 苏银理财, and "现金管理类理财产品83号 D" from 华夏理财, with yields of 2.897% and 2.809% respectively [6] - "启源货币2号(ESG主题)" focused on low-risk assets such as bank deposits and repos, while effectively maintaining static returns through strategic asset allocation [6] - 华夏理财's "现金管理类理财产品83号" utilized leverage strategies to enhance returns during a period of high bond yields and maintained liquidity through a mix of cash and high-quality bonds [6]

Overall Performance - The average seven-day annualized yield of RMB public cash management products is 1.447% as of September 4, 2025, while USD cash products have an average yield of 3.942% [5] - There are a total of 4,922 RMB public cash management products, with only 55 products (1.1%) yielding over 2% in the past six months [5] - 1,561 products (31.7%) fall within the yield range of 1.5% to 2%, while three products yield below 1% [5] Highlighted Product Analysis - The top three products in terms of average seven-day annualized yield over the past six months are "Qiyuan Cash No. 5 J" and "Qiyuan Currency No. 2 (ESG Theme) F" from Su Yin Wealth Management, and "Cash Management Product No. 83 D" from Huaxia Wealth Management, with yields of 2.897% and 2.809% respectively [6] - "Qiyuan Currency No. 2 (ESG Theme)" focuses on low-risk assets such as bank deposits and repos, utilizing moderate leverage and a tiered strategy to maintain static returns amid declining market interest rates [6] - Huaxia Wealth Management's "Cash Management Product No. 83 D" capitalizes on high bond yields and employs leverage strategies while maintaining liquidity through cash and easily convertible assets [6]