各位网友请教一下4.3 理财持有大量的存款

> 数据图表

各位网友请教一下4.3 理财持有大量的存款

2026-3-4

4.3 理财持有大量的存款◆ 截至2025年末，银行理财持有10.1万亿元的银行存款，并持有4.4万亿的同业存单及2.5万亿的拆放同业和回购等。◆ 截至2025年末，银行理财债券投资占比为近5年最低。未来债券投资比例提升空间较大。表：银行理财的资产配置情况表：银行理财投资的各类资产余额（万亿元）债券同业存单现金及银行存款非标债权类拆放同业及债券买入返售权益类资产公募基金其他债券同业存单现金及银行存款非标债权类拆放同业及债券买入返售权益类资产公募基金21H1202122H1202223H1202324H1202425H125Q3202556.8%54.5%53.3%50.4%47.7%45.3%43.8%43.5%41.8%40.4%39.7%10.5%13.9%14.6%13.3%10.6%11.3%11.8%14.4%13.8%13.1%12.2%9.7%11.4%14.1%17.5%23.7%26.7%25.3%23.9%24.8%27.5%28.2%13.1%8.4%7.1%6.5%6.7%6.2%5.8%5.4%5.5%5.2%5.1%2.6%3.9%3.0%5.7%4.0%4.7%5.9%6.4%6.6%6.9%6.9%资料来源：中国理财网理财业务定期报告、华源证券研究所4.1%3.3%3.2%3.1%3.2%2.9%2.8%2.6%2.4%2.1%1.9%2.6%4.0%4.0%2.7%3.2%2.1%3.6%2.9%4.2%3.9%5.1%0.7%0.6%0.7%0.8%0.9%0.8%1.0%0.9%0.9%0.9%0.9%21H1202122H1202223H1202324H1202425H125Q3202516.2917.0016.9515.1013.2113.1613.3913.9713.7813.8714.163.004.344.643.982.943.283.614.634.554.504.352.773.564.495.246.567.767.737.688.189.4410.063.752.622.271.951.861.801.771.731.811.791.820.751.220.951.711.111.371.802.062.182.372.461.171.031.020.930.890.840.860.840.790.720.680.741.251.270.810.890.611.100.931.381.341.82资料来源：中国理财网理财业务定期报告、华源证券研究所

华源证券综合其他