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现金管理类理财产品配置的多个品种的存款占比均高于市场整体(2024Q1末)
现金管理类理财产品配置的多个品种的存款占比均高于市场整体(2024Q1末)
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所属报告:
银行业理财持仓全景扫描系列(三):高息存款整改对理财净值与配置策略的影响-240614(22页).pdf
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相关数据
宁波银行理财产品管理规模稳步提升
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市场规模
2026-07-20
原图定位
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江苏银行理财产品规模
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市场规模
2026-07-10
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理财产品前十大持仓中对公募基金的持仓增量(亿元)
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行业数据
2026-04-20
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理财产品前十大持仓中对权益资产的持仓量(亿元)
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行业数据
2026-04-20
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图表11:银行理财产品存续规模 (万亿元)
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2021年以来理财产品存续规模
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市场规模
2026-01-08
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不同运作模式理财产品发行规模(亿元)
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商业模式
2026-01-08
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银行理财产品规模及中债总财富指数
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市场规模
2026-01-07
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12月新发行理财产品2,731只,环比11月多406只;新发产品初始募集规模3,329亿元,环比下降15.3%
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市场规模
2026-01-07
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2025年12月末银行理财产品存续规模为31.66万亿元,同比增长6.6%,环比微增0.1%
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市场规模
2026-01-07
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采用同样的分类方式,我们可把每一类理财产品的存款占比细拆出来。以现金管理类产品为例:2024Q1末前十持仓中直接披露的“现金及银行存款”共计 38.55%,远高于市场整体(24.33%):未披露类型的存款(28%)>组合类保险资管产品(9%)>同业存款(7%)>一般存款(3%)>穿透披露的通知存款(0.11%)>穿透披露的协议存款(0.01%)。多数存款占比高于市场整体,反映现金管理类产品对于存款的依赖度较高,或受此次手工补息取消的影响较大。
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银行业理财持仓全景扫描系列(三):高息存款整改对理财净值与配置策略的影响-240614(22页).pdf
2023年末国股行理财子“现金及银行存款”占比多在30%~40%,普遍高于城农商理财子(均为穿透后)
2024年4月银行3M整存整取定存利率为1.56%
假设手工补息取消后通知、同业、协议存款利率分别下降60BP/30BP/30BP,则理财产品收益率或下降8BP
我们测算,理财涉及手工补息存款约12%,其中现金管理类和开放式固收产品占比最大(2024Q1末)
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