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|2023 08 23/2022 11-12 2022 11-2023 3 6 23H1 25.34 7 1.5 23H1 2023 6 137 27.7 25.3 3-5 2023 2023 1 1-2023 8 15 1 2.7%1 3.00%2023 8 3 2.7%1-3 14.9%36.1%8.7%20.0%23H1 76%24%40 0.8 6747.1 8.4 6585.3 9.5%1m 6m 12m 3.1 0.3 4.8 4.8 8.8 14.9 1 20230820 2023-08-22 2-2023 8 2023-08-20 3 23Q2 2023-08-19 S1090521010002 S1090523070003-20-15-10-5051015Aug/22 Dec/22 Apr/23 Jul/23(%)银行 沪深300 2.4 VS.6.9 1.9 2.15 3.17.19 1.4 2.5 3.6 4 23H1.6 5.9 6 7 8 15 10 7.11 8/.12 9/.12 10 2023.12 11.13 12/2023.13 13+/.13 14.15 15.16 16.17 17.18 18 2021.19 19 2021.19 ZXDWvMtOsRnMrPtQrMrOnMaQ8QbRoMpPnPmPfQrRzRiNoMnO6MpOsMvPsPzQxNtPqN 3 1 23H1.6 2.7 3.9 4.14 5.16 6.18 4 2004 2018 4 1 iFinD 2003-2007 2003 2004 B 2005 2008-2013 2009-2012 2013(2013)8)35 4 2012 30.0%2014 20.91%2014-2016 2014 2014 2017 2014-2018 0.6 3.0 6.0 3.3 1.2 0.05.010.015.020.025.030.035.0非保本理财规模2005 2005 2009 2011 2018 4 2018 9 2018 12 2019 2020 7 2021 12 2021 6 2021 8 2021 9 2021 12 2022 8 5 2 Wind 2017-2021 2017 2018 4 2018 10 12 2021 2022 2022 2023 6 25.34 96%2022 11-12 2022 11-2023 3 6 4 6 25.34 7 1.5 0100002000030000400005000060000700002014-062014-102015-022015-062015-102016-022016-062016-102017-022017-062017-102018-022018-062018-102019-022019-062019-102020-022020-062020-102021-022021-062021-10同业理财规模 6 VS 23H1 2023 6 137 27.7 20.2%25.3 18.5%2011-2014 2015-2022 23H1 3 4 23H1 Wind;23H1 23Q1 Wind;23H1 23Q1 200 2009 2018 2009-2018 2003 20 QDII 1 23H1(%)2.45 8.9%16.9 66.7%4.44 16.2%1.11 4.4%05010015020112012201320142015201620172018201920202021202223H1公募基金 银行理财 基金专户 证券专户 期货计划ABS 私募基金 信托规模 保险公募基金20%银行理财19%基金专户5%证券专户5%期货计划0%ABS1%私募基金15%信托规模15%保险20%7 8.37 30.6%0.08 0.3%11.48 42.0%7.21 28.5%0.04 0.1%QDII 0.32 1.2%FOF 0.18 0.7%0.09 0.3%0.04 0.2%27.37 100.0%25.34 100.0%2023 Wind Wind 23H1 715 0.3%23H1 5.08 20.3%1 3.6 71.48%2021 2021 6 88.84%2022 48.13%2022 13 1.5 3.8 1.0 6.7 5.3 2 2022 47.51%52.49%21H1 11.16%88.84%2021 Wind/2008/86.52%35.9%2011 5-20 8 10 20 6 9 1 80%80%80%5 2023 6 24.11 1.11 0.08 95.15%4.38%0.31%2019 5.05 2023 6 1.11 78.02%2019 2018 4 2019-2021 2021 3 2019 2020 21H1 2021 22H1 2022 23H1 4.16 7.58 7.78 9.29 8.48 8.76 7.21 10 2019 2020 21H1 2021 22H1 2022 23H1 17.78%29.31%30.15%32.03%29.08%31.68%28.45%14.11 14.23 14.97 17.49 18.87 17.37 16.90 60.30%55.03%58.03%60.31%64.72%62.82%66.69%5.05 3.97 2.96 2.14 1.72 1.41 1.11 21.59%15.36%11.49%7.38%5.90%5.10%4.38%0.08 0.08 0.08 0.08 0.08 0.09 0.08 0.34%0.31%0.33%0.28%0.27%0.33%0.31%0.00 0.00 0.00 0.00 0.01 0.02 0.04 0.00%0.00%0.00%0.00%0.00%0.07%0.16%23.4 25.86 25.80 29.00 29.16 27.65 25.34 2021 6 2023 8 15 1.66%2.15%49BP 2021 6 106BP 57BP 23H1 7.21 11.48 21H1 1.27 2.21 6 7 8 15 iFinD 2%2%1.5%25%50BP 2023 252 1.00%1.50%2.00%2.50%3.00%3.50%2020/12/302021/1/302021/2/282021/3/312021/4/302021/5/312021/6/302021/7/312021/8/312021/9/302021/10/312021/11/302021/12/312022/1/312022/2/282022/3/312022/4/302022/5/312022/6/302022/7/312022/8/312022/9/302022/10/312022/11/302022/12/312023/1/312023/2/282023/3/312023/4/302023/5/312023/6/302023/7/31大行 股份行 城农商行 货币基金现 金管理 类理财 新规 11 1 T+0 7 2023 6 7 5BP 15BP 200 30%10%2021 10 2022 IFRS 9 01002003004005002020 2021 2022 23H1理财公司现金管理类理财数量 12 8/9/Wind Wind 123 2022 2023 2023 1 1-2023 8 15 1 2.7%1 3.00%10 2023 Wind 2022 1 2023 6 TOP10 6 4 7122 2120 1780 1708-15%-10%-5%0%5%10%15%2021/1/31 2022/1/31 2023/1/31定开债基半月年化收益率纯固收定开理财半月年化收益率-10%-5%0%5%10%2022/1/152022/2/152022/3/152022/4/152022/5/152022/6/152022/7/152022/8/152022/9/152022/10/152022/11/152022/12/152023/1/152023/2/152023/3/152023/4/152023/5/152023/6/152023/7/152023/8/15最短持有期纯固收理财半月年化收益率纯固收持有期债基半月年化收益率0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%定开债基年初至今收益率 纯固收定开理财年初至今收益率 13 11 Wind 3-5 2022-1.3%885013.WI-15.7%2023 2023 8 15 1.7%-4.14%+12/2023 13+/Wind 885013.WI Wind+119 0200004000060000800001000002010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022债基规模 个人持有债基规模-6%-4%-2%0%2%4%6%混合类理财年初至今平均收益率混合型基金年初至今收益率-30%-20%-10%0%10%20%30%2022/1/152022/2/152022/3/152022/4/152022/5/152022/6/152022/7/152022/8/152022/9/152022/10/152022/11/152022/12/152023/1/152023/2/152023/3/152023/4/152023/5/152023/6/152023/7/152023/8/15持有期固收+理财半月年化收益率持有期固收+债基半月年化收益率 14 4 PR1 PR2 PR3+-6+N 6-N ESG+-”-+-ESG 6+2+ETF ESG-T+0-99”-FOF-FOF-15-+-PR1 PR2 PR3“”“”“”“”“”“”“”2022 500 ESG 2023 5 ESG 1500+14 2 2021 16 1 2021 6 1 75%1 25%2022 6 1 78%2021 6 3 5 2020 21H1 T+0 29%30%7 3%4%7-1 2%3%1-3 6%5%3-6 18%14%6-12 21%19%1 22%25%15 2022 2023 8 3 2.7%1-3 14.9%36.1%8.7%20.0%2023 8 2022 2.4 4.2 3 17 16 2022 4 10 1 LPR 2022 2022 4 2022 9 2023 6 2023 6 8 2 3 5 5 10 15 15BP 0.20%2.05%2.45%2.50%2023 1.74%3 2023 6 417 89 23H1 76%24%2023 7 30 45 432 154 0500001000001500002000002500001-3 个月(含)1-3 年（含）3-6 个月(含)3 年以上 6-12 个月(含)7 天(含)以内 7 天-1 个月(含)每日开放 型 最短持有 期 现金管理 类 18 17 2023 2022 4,996 46.03%2022 5,000 5,105 24.4%2022 3.03%18.45%6 432 15 154 14 102 13 91 13 87 12 80 11 60 11 48 9 43 4 30 2 30 2 29 1 25 1 25 1 20 1 2023 7 XX AAA 7 XX 6 19 11 2023 23H1 1018 75.1%2021 Discretionary Mandates Investment Funds 14 18 36%22%18 2021 19 2021 EFAMA EFAMA Retail,48%Pension Fund,22%Insurance,10%Bank,4%Other inst.,16%Retail,4%Pension Fund,36%Insurance,32%Bank,2%Other inst.,26%20 6-12 A 300 500 20%5-20%5%5%
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