The yield of cash management financial products maintains a certain advantage compared to currency funds, although this advantage is gradually diminishing. According to the latest calculation by the Research and Innovation Department of Huabao Securities, as of September 22, 2024, the 7-day APR of cash management financial products reached 1.73%, while the 7-day APR of currency funds was 1.58%, with a difference of 15 basis points, narrowing by 3 basis points compared to the previous week. Industry insiders believe that the yield of cash management financial products is superior, mainly due to their wider investment scope, lower overall fees, and diversified outsourced investments. In the view of analysts, the downward trend of interest rates in the medium and short term will not change, so the yield of cash management financial products that allocate deposits, interbank certificates of deposit, and short-term bonds will further decline.
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The yield of cash management financial products maintains a certain advantage compared to currency funds, although this advantage is gradually diminishing. According to the latest calculation by the Research and Innovation Department of Huabao Securities, as of September 22, 2024, the 7-day APR of cash management financial products reached 1.73%, while the 7-day APR of currency funds was 1.58%, with a difference of 15 basis points, narrowing by 3 basis points compared to the previous week. Industry insiders believe that the yield of cash management financial products is superior, mainly due to their wider investment scope, lower overall fees, and diversified outsourced investments. In the view of analysts, the downward trend of interest rates in the medium and short term will not change, so the yield of cash management financial products that allocate deposits, interbank certificates of deposit, and short-term bonds will further decline.