招赢日日金139号现金管理类理财计划HQ
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人民币现金理财收益率继续走低,冠亚军产品规模差距悬殊
2 1 Shi Ji Jing Ji Bao Dao· 2026-01-29 10:16
Core Insights - The article discusses the performance of cash management products in the Chinese financial market, highlighting the top-performing products and their yields over the past three months. Market Performance - In Q4 2025, the liquidity in the RMB money market remained stable and loose, with the DR007 (7-day repo rate) fluctuating between 1.41% and 1.52% from October to November, and gradually increasing in December due to year-end liquidity demands [5]. Overall Performance of Cash Products - As of January 22, there were 7,429 public cash management products in existence, with 7,389 in RMB and 39 in USD. The average 7-day annualized yield for RMB cash products over the past three months was 1.296%, with only 36 products exceeding 2% and 121 products yielding below 1%. The average yield for USD cash products was 3.535% [6]. Product Analysis - The top two products in the ranking were "Qiyuan Cash No. 10 G" and "Qiyuan Currency No. 3 G" from Su Yin Wealth Management, with average 7-day annualized yields of 2.769% and 2.716%, respectively. The asset allocation for "Qiyuan Cash No. 10 G" was primarily in cash and bank deposits, while "Qiyuan Currency No. 3 G" had a more diversified asset mix [7]. - Despite similar yields, there was a significant difference in scale, with "Qiyuan Currency No. 3 G" having a net asset value of 7.891 billion yuan, while "Qiyuan Cash No. 10" had only 60 million yuan [7].