原因 21世纪经济报道 理财公司现金类公募理财 近六月业绩榜单 南财理财通数据显示，截至12月25日，理财公司人民币公募现金管理类产品近6个月的七日年化收益率均值为1.325%，美元现金 类产品七日年化收益率均值为3.756%。 | F 를 | 产品名称 | 管理人 | 起购会额 (元) | 区间内七 日年化收 益率均值 | | --- | --- | --- | --- | --- | | | 1 启源现金4号N | 示银理财 0.01 | | 2.904% | | | 启源货币3号G | 示银理测 | 0.01 | 2.793% | | | 邮鸿宝38号人民币理财产品A | 中邮理财 0.01 | | 2.164% | | 4 | 招赢目目余96号现金管理类理财计 JA | 招银理财 | 0.01 | 2.152% | | 5 | 京华远几言 : 刘州 : 3 号 人类 (领 | 北银理财 0.01 | | 1.966% | | 6 | 徽安现金管理类理财产品47号-A | 徽银理财 | 0.01 | 1.945% | | 7 | 浦惠来了与库大森利现金宝68号 | 浦银理财 0.01 | | 1.918 ...

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 2025年8月以来，人民币现金类理财收益持续走低，与10月29日的同维度榜单相比，近三个月收益均值已跌去逾3个基点。 苏银理财"启源现金4号N"和"启源货币7号B"近3个月的七日年化收益率均值分别为2.948%和2.858%。虽然苏银理财"启源现金4 号N"依旧位列榜单第一，但产品的万份收益已从10月13日的0.8051回落至12月17日的0.6640。"启源货币7号B"的收益稍显逊色， 该产品的万份收益在12月17日前保持在0.79以上，但在12月19日突然跌落至0，12月20日又回升至0.6585。 | F 를 | 产品名称 | 管理人 | 起购金额 (元) | ×间内七 日年化收 益率均值 | | --- | --- | --- | --- | --- | | | J 启源现金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 | 中邮理财 0.01 | | 2.465% | | 4 | 现金管理类型财产品42号A | 华夏 ...

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 ...

旗团 21世纪经济报道 公司现金类公墓理财 近六月业绩榜单 | 12 특 | 产品名称 | 三十八 | 起购金额 (元) | ×间内七 目年化妆 | | --- | --- | --- | --- | --- | | | | | | 益率均值 | | E | 高原见会4号N | 示银理财 | 0.01 | 2.921% | | | 启源货币3号G | 示银理财 | 0.01 | 2.832% | | | 招赢日日会82号观会管理类型财计 JA | 招假理财 0.01 | | 2.031% | | 4 | 原创可用意识 用途的景点的频 | 北银理财 | 0.01 | 2.024% | | 5 | 浦惠来了专属于旅游 Jul 2 68号 | 浦银理财 0.01 | | 1.942% | | 6 | 徽安现合营程考到 2018-04-19 A | 徽银理财 | 0.01 | 1.898% | | 7 | 添利12号净值型理财产品B | 兴银理财 | 0.01 | 1.853% | | | 三十一十六十十年日后人在那张国日十八 | | | | 美元现金类产品（含不同份额）当前共计存续30只，主要配置现金及银行存款、美 ...

Core Insights - As of October 30, there are a total of 5,722 public cash management products from wealth management companies in China [1] - The average annualized yield over the past six months for RMB cash management products is 1.378%, with only 16 products exceeding 2% [6] - The average annualized yield for USD cash management products is 3.879%, although this has been declining due to recent interest rate cuts by the Federal Reserve [5][6] RMB Cash Management Products - There are 5,691 RMB cash management products currently in existence [6] - The top five performing institutions in terms of average annualized yield over the past six months are: - Beiyin Wealth Management: 1.697% - Suyin Wealth Management: 1.667% - Yunan Rural Commercial Bank Wealth Management: 1.648% - Hengfeng Wealth Management: 1.613% - Nanyin Wealth Management: 1.606% [6] USD Cash Management Products - There are currently 30 USD cash management products, with only one product, "Bank of China Wealth Management - QDII Daily Plan (USD Version) U," yielding over 4% [5][6] - The average annualized yield for USD cash management products has been affected by the Federal Reserve's interest rate cuts, leading to a downward trend in overall yields [5] Top Performing Products - The top three RMB cash management products based on average annualized yield over the past six months are: - "Suyin Cash 4 No. N": 2.922% - "Suyin Currency 3 No. G": 2.875% - "Beiyin Wealth Management - Jinghua Vision Spring Series Easy Gold 3 No. A": 2.103% [6]

Core Insights - The article highlights the current state of cash management products in the market, focusing on both RMB and USD cash products, their performance, and the leading institutions in this sector [1][6]. Summary by Sections Cash Management Products Overview - As of October 30, there are a total of 5722 public cash management products available from various financial institutions [1]. - Among these, 5691 are RMB cash management products, with an average annualized yield of 1.378% over the past six months [6]. - There are 30 USD cash management products, with an average annualized yield of 3.879% over the same period, indicating a yield advantage over RMB products [6]. Performance of Leading Products - The top-performing cash management products include: - "启源现金4号N" from 苏银理财 with a yield of 2.922% - "启源货币3号G" from 苏银理财 with a yield of 2.875% - "京华远见" from 北银理财 with a yield of 2.103% [3][7]. - Only 16 RMB products have yields exceeding 2%, while 11 products have yields below 1% [6]. Institutional Performance - The top five institutions based on performance are: - 北银理财: 1.697% - 苏银理财: 1.667% - 渝农商理财: 1.648% - 恒丰理财: 1.613% - 南银理财: 1.606% [6]. - The remaining institutions have yields ranging from 1.2% to 1.6% [6]. Trends and Market Dynamics - The article notes a downward trend in USD cash management product yields due to recent interest rate cuts by the Federal Reserve, which have reduced the federal funds rate to 3.75%-4.00% [6]. - The only USD product yielding over 4% is "中银理财-QDII日计划(美元版)U," with a yield of 4.003% [6].

Core Insights - The report highlights the performance of cash management public financial products from various financial institutions over the past six months, indicating a competitive landscape in the cash management sector [1][5]. Group 1: Performance Metrics - As of October 30, 2025, there are a total of 5,722 public cash management products in existence, with an average annualized yield of 1.378% for RMB cash products [5]. - Among the RMB cash products, only 16 have an average annualized yield exceeding 2%, while 11 products yield below 1% [5]. - The top five performing institutions in terms of average annualized yield are Beiyin Wealth Management (1.697%), Suyin Wealth Management (1.667%), Yunan Rural Commercial Bank Wealth Management (1.648%), Hengfeng Wealth Management (1.613%), and Nanyin Wealth Management (1.606%) [5]. Group 2: Top Products - The top three cash management products based on average annualized yield over the past six months are: 1. Suyin Wealth Management's "Qiyuan Cash No. 4 N" at 2.922% 2. Suyin Wealth Management's "Qiyuan Currency No. 3 G" at 2.875% 3. Beiyin Wealth Management's "Jinghua Yuanspring Series Yitaojin No. 3" at 2.103% [6]. - Only five products in the current ranking have an average annualized yield above 2% [6]. Group 3: USD Cash Products - There are currently 30 USD cash products, with an average annualized yield of 3.879% over the past six months [5]. - The only USD cash product yielding over 4% is "Bank of China Wealth Management - QDII Daily Plan (USD Version) U," with an average annualized yield of 4.003% [5].

Overall Performance - As of October 23, there are a total of 6,593 public cash management products from wealth management companies, with 6,559 in RMB, 33 in USD, and 1 in AUD [5] - The average seven-day annualized yield for RMB cash products over the past three months is 1.335%, with only 34 products exceeding 2%, and nearly 90% of products yielding between 1% and 1.5% [5] - The average seven-day annualized yield for USD cash products is 3.842% [5] - The top three products by yield are "启源现金4号N" and "启源货币3号G" from 苏银理财, and "招赢日日金96号" from 招银理财, with yields of 2.971%, 2.777%, and 2.187% respectively [5] Product Analysis - "启源现金4号" from 苏银理财 has been consistently ranked among the top cash products since mid-September 2023, with a yield range of 1.26% to 2.99% as of September 30, 2023 [6] - As of October 23, the N share of "启源现金4号" has a yield of 2.98%, corresponding to a return of 0.8045 yuan per ten thousand [6] - The management has increased the proportion of high-yield asset management plans in response to rising market interest rates, although specific investment ratios were not disclosed [6] - "启源货币3号" was established in March 2025, with its top ten assets including cash, bank deposits, interbank certificates of deposit, and ordinary bonds from policy banks [6] - The G share of "启源货币3号" has a yield of 2.64% as of October 23, with a return of 0.7510 yuan per ten thousand [6] - The product has increased its investment in deposits and repurchase agreements while selectively allocating to bond assets during the third quarter [6]

Core Insights - The average annualized yield for public cash management products in RMB over the past three months is 1.364%, while USD cash products have an average yield of 3.894%, indicating a yield advantage for USD products [5] - Among the listed products, SuYin Wealth Management has two products in the top rankings, while other institutions like ZhaoYin Wealth Management, BeiYin Wealth Management, and others have one product each [5] Overall Performance - As of September 25, 2025, there are 6,517 RMB public cash management products, with only 39 products yielding over 2%, representing 0.6% of the total [5] - 1,143 products have yields between 1.5% and 2%, while over 80% of the products yield between 1% and 1.5%, totaling 5,298 products [5] Highlighted Product Analysis - The top two products are "QiYuan Cash No. 4 N" and "QiYuan Currency No. 3 G" from SuYin Wealth Management, with yields of 2.89% and 2.78% respectively [6] - The third-ranked product is "ZhaoYin Daily Gold No. 96 A," which has a yield of 2.16% and was launched in Q2 2025 with a fundraising scale of 14.3053 million [6] - "YangGuang BiLeHuo No. 195 I" from GuangDa Wealth Management, launched in Q2 2025, had significant fluctuations in yield, currently at 1.99% [6] - "HuiYin Cash Management Product No. 47-C" has shown considerable yield volatility since its launch, with an average yield of 2.01% over the past three months [10]

Core Insights - The average annualized yield for RMB public cash management products over the past three months is 1.364%, while USD cash products have an average yield of 3.894%, indicating a yield advantage for USD products [5] - The ranking of products shows that SuYin Wealth Management has two products listed, while other institutions like ZhaoYin Wealth Management, BeiYin Wealth Management, HengFeng Wealth Management, and others have one product each [5] Overall Performance - As of September 25, there are 6,517 RMB public cash management products, with only 39 products yielding over 2%, representing 0.6% of the total. 1,143 products fall within the 1.5% to 2% yield range, while over 80% of products yield between 1% and 1.5%, totaling 5,298 products. Additionally, 37 products yield below 1% [5] Highlighted Product Analysis - The top two products are "QiYuan Cash 4" and "QiYuan Currency 3" from SuYin Wealth Management, with average annualized yields of 2.89% and 2.78% respectively [6] - The third-ranked product is "ZhaoYin Daily Gold 96A" with an average yield of 2.16%. This product was launched on May 28, 2025, with a fundraising scale of 14.3053 million yuan, primarily investing in low-risk assets [6] - Another notable product is "YangGuang BiLeHuo 195I" from GuangDa Wealth Management, which was established on May 23, 2025, and had a peak yield of 2.0284 yuan per ten thousand units before declining. Its current average yield is 1.99% [6] - The sixth-ranked product, "HuiYin Cash Management Product 47-C," is a new share of the existing product, showing significant yield fluctuations between 0.37 and 0.82, with an average yield of 2.01% [9]