（原标题：收益走低！招银、广银6只现金类理财近3月平均七日年化低于1%） 数据说明： 产品统计范围为理财公司发行的公募现金类产品，统计截止日期为2025年8月14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。 一、整体表现 南财理财通数据显示，截至8月14日，理财公司人民币公募现金管理类产品近3个月的七日年化收益率均 值为1.417%。 从具体产品收益分布来看，人民币公募现金类产品（此处各份额分开统计，榜单为合并份额）合计5559 只，其中近3个月七日年化收益率均值超过2%的有77只，占比仅为1.4%；收益处于1.5%至2%区间的产 品数量为1411只，占比25.4%，即收益超1.5%的现金类产品占比不足三成。 值得关注的是，招银理财"招赢日日金"和广银理财"鎏金日日薪"系列合计有6只产品近3个月平均七日年 化收益率低于1%。 二、亮点产品分析 苏银理财"启源货币3号G""启源现金4号N"、中邮理财"邮银财富·邮鸿宝22号B"近3月平均七日年化收益 率位列前三，苏银理财两只产品收益较为领先，平均七日年化收益率分别为2.949%、2.870%。 ...

Group 1 - The core viewpoint of the articles highlights the ongoing competition among banks for funds amid declining deposit rates, with cash management financial products becoming a key focus for attracting customers [1][2][8] - The average interest rates for one-year fixed deposits at major state-owned banks have fallen below 1%, while cash management products maintain a higher annualized yield of 1.43%, creating a significant interest rate spread [1] - Banks are enhancing the attractiveness of cash management products by improving yield, optimizing liquidity management, and expanding single-investor holding limits to retain customers and prevent fund outflows [1][6] Group 2 - Banks are adjusting the underlying assets of their cash management products to improve yields, with institutions like Guangfa Bank upgrading their "Intelligent Gold" service to enhance overall returns [2][5] - Several banks have announced temporary fee reductions for their financial products, significantly lowering management fees to between 0.05% and 0.15%, which directly boosts net returns and attracts low-risk investors [5][6] - The introduction of floating management fee structures linked to product performance is seen as a way for financial companies to differentiate themselves and attract more investors [6][7] Group 3 - The expansion of sales channels for cash management products is crucial, with banks increasing their reach beyond traditional channels to include city commercial banks and rural commercial banks [7][8] - Adjustments to single-investor holding limits, such as raising the cap from 1 million to 100 million yuan for certain products, cater to high-net-worth clients and enhance asset allocation quality [8] - The ongoing upgrades in cash management products provide investors with more options and invigorate the banking wealth management market, although future designs may need to be more refined to maintain competitiveness as underlying asset yields decline [8]

Group 1 - The decline in deposit interest rates has led to a competitive "customer acquisition battle" among banks, with wealth management products becoming a popular alternative for investors [1] - As of the end of June, the scale of the bank wealth management market has returned to over 30 trillion yuan, with cash management products being a key focus for banks [1][2] - The average annualized yield for cash management wealth management products remains above 1%, making them attractive compared to the current deposit interest rate of 0.05% [1] Group 2 - Guangfa Bank announced an upgrade to its cash management product "Smart Gold" starting July 14, which will involve the removal of three money market fund products and the addition of three new ones [2][5] - Other banks are also optimizing their cash management products, with adjustments to sales channels and single account holding limits [5][8] - For example, the single account holding limit for "Zhaoying Daily Gold" products has been significantly increased, indicating a trend towards accommodating larger investments [5][7] Group 3 - Several banks, including Zhaoyin Wealth Management and Guangfa Wealth Management, have initiated a "fee reduction wave" to attract customers, with management fees being lowered to as low as 0% [8][9] - Guangfa Bank has issued over 40 announcements regarding fee reductions for various wealth management products, with reductions of up to 25 basis points [9] - The current fee reduction strategy is seen as a short-term measure to attract clients and respond to interest rate cuts, while also indicating a shift towards service optimization in the industry [9][10]