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 ...

Overall Performance - As of September 18, 2025, the average seven-day annualized yield for RMB public cash management products is 1.433%, while for USD cash products it is 3.934% [2] - The ranking of products shows that Su Yin Wealth Management, Bei Yin Wealth Management, and Zhao Yin Wealth Management each have 2 products listed, while Pu Yin Wealth Management, Hua Xia Wealth Management, Zhong You Wealth Management, and Hui Yin Wealth Management each have 1 product listed [2] - Among the 5128 RMB public cash management products, only 64 products have a seven-day annualized yield exceeding 2%, accounting for just 1.25%, while 1421 products fall within the 1.5% to 2% yield range, nearly 30% [2] Highlight Product Analysis - The top two products are both issued by Su Yin Wealth Management, namely "Qi Yuan Currency No. 3 G" and "Qi Yuan Cash No. 4 N," primarily investing in low-risk assets such as bank deposits, repos, and interbank certificates of deposit [3] - "Qi Yuan Currency No. 3 G" includes interest rate bonds in its asset allocation, while "Qi Yuan Cash No. 4 N" opts for securities company bonds [3] - As of September 18, 2025, the yields per ten thousand for "Qi Yuan Currency No. 3 G" and "Qi Yuan Cash No. 4 N" are 0.8129 and 0.8067, respectively [3] - In response to the ongoing decline in market interest rates, "Qi Yuan Currency No. 3 G" has increased its holdings in bond assets and reserved higher-yield long-term deposit assets [3] - "Qi Yuan Cash No. 4 N" locked in returns early in the first and second quarters of 2025 and increased allocations to primary and secondary credit bonds, raising the proportion of high-priced deposits and repos by the end of the second quarter [3]