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 ...

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].

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 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]

| ਜ਼ਿ | 产品名称 | 管理人 | 起购金额 | 近3月内 七日年化 | | --- | --- | --- | --- | --- | | 름 | | | (元) | 收益率均 | | | | | | E | | | J 启源现金4号N | 苏银理财 0.01 | | 2.887% | | | 启源货币3号G | 苏银理财 | 1 | 2.785% | | | 招赢目目会96号A | 招银理财 | 0.01 | 2.162% | | 4 | 京华远见 | 北银理财 | 0.01 | 2.091% | | 5 | 恒仁新恒梦钱包25号A | 阳丰暖测 | 1 | 2.053% | | 6 | 徽号观合 - 理类47号-C | 徽银理财 0.01 | | 2.009% | | 7 | 阳光碧乐活195号I | 光大理财 | ال | 1.994% | | 80 | 油惠来了专属于旅利现金宝68号 | 浦银理财 | 0.01 | 1.993% | | 9 | 天天成长3号44期B | 平安理财 0.01 | | 1.971% | 全媒体集团 21世纪经济报道 理财公司公募现金类型财 近3月七日年化收益率均值 ...

财经全媒体集团 21世纪经济报道 (好) 摩妮 EVI童 理财公司公募现金类理财 近3月七日年化收益率均值榜 | li 특 | 产品名称 | 管理人 | 起购金额 (元) | 『BET 七日年化 收装率拉 | | --- | --- | --- | --- | --- | | | | | | 庫 | | | 启源现金4号N | 苏银理财 0.01 | | 2.887% | | | 高原货币3号G | 苏银理财 | 1 | 2.785% | | | 招赢目目会96号A | 招银理财 0.01 | | 2.162% | | 4 | 京华远见 | 北银理财 | 0.01 | 2.091% | | 5 | 恒仁新闻 今年 225号A | 恒丰理财 | 1 | 2.053% | | 6 | 徽安顿合管理类47号-C | 徽银理财 | 0.01 | 2.009% | | 7 | 阳光碧乐活195号I | 光大理财 | J | 1.994% | | 8 | 油惠来了 写唐 大添加班 = 68号 | 浦银理财 | 0.01 | 1.993% | | 9 | 大大成长3号44期B | 平安 详测 | 0.01 | 1.971% ...

Overall Performance - The average seven-day annualized yield for RMB public cash management products is 1.383%, while for USD cash products, it is 3.910% as of September 11 [2] - There are a total of 6087 RMB public cash management products, with only 39 products (0.64%) having a yield above 2% in the last three months [2] - 1209 products (19.86%) fall within the yield range of 1.5% to 2%, while most products yield between 1% and 1.5% [2] - Notably, 22 cash products have a yield below 1%, including those from China Merchants Bank and Minsheng Bank [2] Highlighted Product Analysis - Among institutions, Su Yin Wealth Management, Bei Yin Wealth Management, and Nan Yin Wealth Management have the highest average yields over the last three months, at 1.760%, 1.710%, and 1.614% respectively [3] - Su Yin Wealth Management's "Qi Yuan Cash No. 4 N" and "Qi Yuan Currency No. 2 (ESG Theme) F" lead the rankings with average yields of 2.885% and 2.849% [3] - The "Zhao Win Daily Gold No. 96 A" from China Merchants Bank, launched on May 27, has a seven-day annualized yield of 2.19% and a risk rating of PR1 [3]

数据说明： 产品统计范围为理财公司发行的现金类公募产品，统计截止日期为2025年8月28日，统计区间为近3个 月。 榜单排名来自理财通AI全自动化实时排名，如您对数据有疑问，请在文末联系助理进一步核实。 | | 序号 产品名称 | 管理人 | 起购金额 | 近3月七日年化收益率 均值 | | --- | --- | --- | --- | --- | | I | 启源货币2号(ES G主题)F | 苏银理财 | 0.01 | 2.931% | | 2 | 启源现金4号N | 苏银理财 | 0.01 | 2.879% | | 3 | 大态利 现金宝68 륵 | 浦银理财 | 0.01 | 2.246% | | 4 | 招顾日日金57号 D | 招银理财 | 0.01 | 2.203% | | 5 | 现金管理类48号 B | 华夏理财 | 0.01 | 2.098% | | 6 | 京华远见春系列 易淘金3号A | 北银理财 | 0.01 | 2.083% | | 7 | 徽安12号-A | 徽银理财 | 0.01 | 2.066% | | 8 | 阳光碧乐活194号 | 光大理财 | 1 | 2.015% | ...

Overall Performance - The average seven-day annualized yield of RMB public cash management products from wealth management companies is 1.417% as of August 14, 2025 [2] - Out of 5559 RMB public cash products, only 77 products (1.4%) have a yield exceeding 2% in the last three months, while 1411 products (25.4%) fall within the 1.5% to 2% yield range, indicating that less than 30% of cash products yield over 1.5% [2] - Notably, six products from China Merchants Bank Wealth Management and Guangyin Wealth Management have an average yield below 1% over the past three months [2] Highlighted Product Analysis - The top three products in terms of average seven-day annualized yield are from Su Yin Wealth Management and Zhongyou Wealth Management, with yields of 2.949% and 2.870% respectively [3] - Su Yin Wealth Management's "Qiyuan Currency 3" was established on March 17, 2025, and had a scale of 5.21 billion yuan by the end of the second quarter [3] - The product's asset allocation strategy focuses on low-risk assets such as interbank certificates of deposit, interest rate bonds, repos, and bank deposits, while increasing the proportion of bond investments during a declining yield environment [3] - The product employs various strategies, including leverage, trading, and enhanced money market fund strategies, successfully achieving certain excess returns [3]