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21H1理财产品持有人结构
21H1理财产品持有人结构
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所属报告:
银行业现金管理类理财产品专题分析之二:类货基新规过渡期已过半整改情况如何?-20220314(14页).pdf
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市场规模
2026-01-20
原图定位
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不同投资性质理财产品发行规模(亿元)
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市场规模
2026-01-08
原图定位
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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
原图定位
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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
原图定位
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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
原图定位
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货币基金分红免征企业所得税,而类货基分红需缴纳企业所得税,故类货基对机构投资者吸引力有限。根据财政部、国家税务总局联合发布的《关于开放式证券投资基金有关税收问题的通知》,“对基金取得的股票的股息、红利收入,债券的利息收入、储蓄存款利息收入,由上市公司、发行债券的企业和银行在向基金支付上述收入时代扣代缴 20%的个人所得税;对投资者(包括个人和机构投资者)从基金分配中取得的收入,暂不征收个人所得税和企业所得税。”因此,对于企业投资者来说,货币基金分红免收 25%的企业所得税,具有免税效应。而企业在投资银行理财时,分红需缴纳 25%的企业所得税。即同样是 2%的税前年化收益率,投资货币基金的税后收益率为 2%,而投资银行理财的税后收益率只有 1.5%,相差 50BP。因此,类货基对机构投资者吸引力有限。21H1 理财产品持有人结构中,个人投资者数量占比达 99.61%,个人投资者持有总金额占比达 88.84%。而根据 Wind,21H1 货币基金持有人结构中,个人投资者持有金额占比仅 60.69%,机构投资者持有金额占比 39.31%。
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银行业现金管理类理财产品专题分析之二:类货基新规过渡期已过半整改情况如何?-20220314(14页).pdf
宁银理财天利鑫B前十大持仓(天)
光银现金A理财产品前十大持仓
中邮理财邮银财富·理财宝前十大持仓
截至2021年末现金管理类理财产品存续情况(万亿元)
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