金吾财讯 | 内银股普遍上扬，中国银行(03988)涨1.72%，青岛银行(03866)涨1.66%，交通银行(03328)涨1.10%，大新银行集团(02356)涨1.06%，工商银行(01398)涨1.00%，建设银行(00939)涨0.90%，农业银行(01288)涨0.82%，招商银行(03968)涨0.76%。
国信证券认为，今年 4 月银行理财收益与规模均显著回升，估算现金管理类产品年化收益率 1.24%，纯债类 2.62%，“固收 +” 类 3.24%；规模方面，4 月末理财产品存量规模约 31.6 万亿元（同业数据显示突破 34 万亿元，单月新增超 2.4 万亿元），重回近期高点，5 月规模增长态势有望延续。当前流动性短端持续宽松，现金管理类产品及货币基金收益下行，天弘余额宝 7 日年化跌破 1%，“资产荒” 压力凸显。为应对低利率环境，银行理财通过拉长久期、布局非标资产、ETF 及 QDII 产品增厚收益，同时中信、光大等机构表现突出，信银理财推出 “信福 +” 品牌，聚焦含权产品，以系统化投研能力寻求发展，行业格局有所调整。
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