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2021年5月后,现金管理类理财产品规模增长遇“天花板”(万亿元)
2021年5月后,现金管理类理财产品规模增长遇“天花板”(万亿元)
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所属报告:
银行业理财持仓全景扫描系列(二):起底短债理财-240409(42页).pdf
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2022年以来不同投资性质理财产品存续规模:现金管理类产品
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市场规模
2026-01-08
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2022年以来不同投资性质理财产品存续规模:固收类产品
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市场规模
2026-01-08
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2022年以来不同投资性质理财产品存续规模:现金管理类和固收类是绝对主力
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市场规模
2026-01-08
原图定位
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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
原图定位
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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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短期内该规模上限难以突破,给短债理财的规模增长留下空间。若想要维持较高规模的现金管理类产品,理财公司现阶段需计提较多的风险准备金,而风险准备金一般从管理费收入中提取(“资管新规”规定比例为 10%),计提较多的风险准备金或降低理财公司的净利润。考虑到各理财公司大多处于发展初期,盈利能力仍有上升空间,短期内风险准备金或自有资金难以出现大幅上升,意味着现金管理类产品的规模天花板难以突破,从现金管理类产品溢出的资金有望由短债理财承接。
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银行业理财持仓全景扫描系列(二):起底短债理财-240409(42页).pdf
新的监管规定已限制债基投资等级较低的信用债
理财投资公募基金可豁免一层嵌套
假设协议存款利率下降30BP,静态测算短债理财收益率或将下降16BP
相较于现金管理类理财,短债理财的投资范围+久期+杠杆率要求更为宽松,但大多须使用市值法
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