理财 - 🎯转了码的刘公子

非常好的问题！我们来简单明了地解释一下银行理财产品中的 **R1、R2 等风险等级**含义： --- ## 📊 理财产品风险等级（R1 ~ R5） |等级|全称|风险水平|适合人群|产品举例| |---|---|---|---|---| |**R1**|极低风险型|🔵 极低|保守型投资者（追求本金安全）|银行现金管理类理财、活期+、大额存单| |**R2**|低风险型|🔵 低|稳健型投资者（接受小幅波动）|短债基金、青银周开、定开理财等| |**R3**|中风险型|🟡 中|平衡型投资者（追求收益，有一定承受力）|混合型基金、部分债基、非保本理财| |**R4**|较高风险型|🟠 较高|激进型投资者|股票基金、混合偏股基金等| |**R5**|高风险型|🔴 高|非常激进投资者|高杠杆私募、期权衍生品等| --- ## ✅ 你需要知道的重点 - **R1 是最稳的，几乎等于活期或定期存款**。 - **R2 收益比 R1 稍高，但也非常稳健，风险很小**，通常每日净值波动非常小。 - 在银行App购买理财前，系统会让你先做一次“投资者风险测评”，来确定你能买 R 几的产品。 --- 如果你追求**本金安全 + 活期灵活 + 比活期高的利率**，选 R1 和 R2 就对了。是否需要我再列几个常见银行的 R1/R2 产品供你挑选？当然，微众银行在非死期（高流动性）理财产品方面具有一定优势，尤其适合您计划投入约50万元的资金。以下是微众银行几款值得关注的理财产品： --- ## 💰 微众银行主要非死期理财产品 | 产品名称 | 七日年化收益率 | 起购金额 | 流动性 | 风险等级 | 保本情况 | 备注 | |--------------------|----------------|----------|--------------|----------|----------|----------------------------------------------------------------------| | **活期+** | 2.6%–2.9% | ¥1 | T+0 快赎 | R1–R2 | 否 | 支持微信支付，适合作为零钱包使用 citeturn0search2 | | **青银周开** | 约4.0% | ¥10,000 | 周度开放 | R2 | 否 | 业绩比较基准稳定，适合追求稳健收益的投资者 citeturn0search2 | | **大额存单+** | 约4.0% | ¥200,000 | 月度付息 | R1 | 是 | 需排队6–9个月，排队期间享受活期+收益 citeturn0search2 | --- ## ✅ 投资建议 - **活期+**适合日常资金管理，提供较高的流动性和比传统活期存款更高的收益 - **青银周开**适合希望在保持一定流动性的同时，追求更高收益的投资者 - **大额存单+**适合长期持有，追求稳定收益的投资者，但需考虑排队时间 建议您根据自身的资金流动需求和风险承受能力，合理配置上述产品，以实现收益最大化 如需进一步了解或操作，建议下载微众银行App，获取最新产品信息和购买渠道。好的，我会调研目前国内各大银行可用于50万元资金的非死期（可随时赎回或流动性较高）的存款和理财产品，包括活期存款、通知存款、现金管理类理财、货币基金类产品等，优先考虑收益率较高的选项。我会优先查询国有大行、股份制银行以及部分优质城商行或民营银行的产品，并整理利率、赎回灵活性、风险等级等信息，方便您比较选择。稍后我会将结果汇总后发送给您。 **比较对象：**面向个人投资者、50万元资金适用的高流动性银行存款和理财产品，包括活期存款、通知存款、现金管理类理财、货币基金和短债基金。下表对比了各类产品的年化收益、起点金额、流动性、风险等级和保本情况： |产品类型|年化利率/七日年化收益率|起点金额|流动性（赎回到账）|风险等级|保本保息| |---|---|---|---|---|---| |**活期储蓄存款**（大型银行）|**0.1%**左右（年利率）([微众银行下调活期存款利率至与国有大行持平 - 新浪财经](https://finance.sina.com.cn/roll/2025-01-03/doc-inecsmew8901951.shtml#:~:text=%E5%BE%AE%E4%BC%97%E9%93%B6%E8%A1%8C%E4%BA%8E1%E6%9C%883%E6%97%A5%E5%BC%80%E5%A7%8B%E6%89%A7%E8%A1%8C%E6%96%B0%E7%9A%84%E4%BA%BA%E6%B0%91%E5%B8%81%E5%AD%98%E6%AC%BE%E6%8C%82%E7%89%8C%E5%88%A9%E7%8E%87%E8%A1%A8%EF%BC%8C%E5%85%B6%E4%B8%AD%EF%BC%8C%E6%B4%BB%E6%9C%9F%E5%AD%98%E6%AC%BE%E5%88%A9%E7%8E%87%E4%BB%8E0.2)) ([中国工商银行中国网站-重要公告频道-中国工商银行关于调整人民币存款挂牌利率的公告](https://www.icbc.com.cn/page/1020608346728218624.html#:~:text=3,45))|无门槛（￥50万以内受保险覆盖）|随时支取，实时到账（T+0）|无风险（国家存款保险）|**是**（50万以内受存款保险保障）([中国工商银行中国网站-理财频道-方海平栏目-理财图谱之低风险篇：全面净值化时代市场上还有保本理财产品吗？](https://www.icbc-ltd.com/icbc/%E7%BD%91%E4%B8%8A%E7%90%86%E8%B4%A2/%E4%B8%93%E5%AE%B6%E8%A7%86%E7%82%B9/%E6%96%B9%E6%B5%B7%E5%B9%B3/%E7%90%86%E8%B4%A2%E5%9B%BE%E8%B0%B1%E4%B9%8B%E4%BD%8E%E9%A3%8E%E9%99%A9%E7%AF%87%E5%85%A8%E9%9D%A2%E5%87%80%E5%80%BC%E5%8C%96%E6%97%B6%E4%BB%A3%E5%B8%82%E5%9C%BA%E4%B8%8A%E8%BF%98%E6%9C%89%E4%BF%9D%E6%9C%AC%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E5%90%97.htm#:~:text=%E8%BF%99%E4%B8%80%E6%9C%AC%E8%B4%A8%E5%8C%BA%E5%88%AB%EF%BC%8C%E5%8D%B3%E8%B5%84%E9%87%91%E7%9B%B4%E6%8E%A5%E5%AD%98%E6%94%BE%E4%BA%8E%E9%93%B6%E8%A1%8C%E5%AD%98%E6%AC%BE%E7%BB%93%E7%AE%97%E8%B4%A6%E6%88%B7%E4%B8%8E%E9%80%9A%E8%BF%87%E8%B5%84%E7%AE%A1%E6%9C%BA%E6%9E%84%E5%8E%BB%E6%8A%95%E5%90%91%E7%9B%B8%E5%BA%94%E8%B5%84%E4%BA%A7%EF%BC%8C%E5%89%8D%E8%80%85%E4%BA%AB%E5%8F%97%E4%B8%80%E5%B1%8250%E4%B8%87%E5%AD%98%E6%AC%BE%E4%BF%9D%E9%99%A9%E7%9A%84%E5%AE%89%E5%85%A8%E4%BF%9D%E9%9A%9C%EF%BC%8C%E5%90%8E%E8%80%85%E6%89%BF%E6%8B%85%E4%B8%80%E5%B1%82%E8%B5%84%E7%AE%A1%E6%9C%BA%E6%9E%84%E7%A0%B4%E4%BA%A7%E4%BB%A5%E5%8F%8A%E5%85%B6%E4%BB%96%E8%AF%B8%E5%A6%82%E8%B5%84%E9%87%91%E6%8C%AA%E7%94%A8%E7%9A%84%20%E9%81%93%E5%BE%B7%E9%A3%8E%E9%99%A9%E7%AD%89%EF%BC%8C%E8%BF%99%E7%A7%8D%E9%A3%8E%E9%99%A9%E4%B8%8A%E7%9A%84%E5%B7%AE%E5%BC%82%E4%B9%9F%E4%BD%93%E7%8E%B0%E5%9C%A8%E6%94%B6%E7%9B%8A%E7%9A%84%E7%BB%86%E5%BE%AE%E5%B7%AE%E5%BC%82%E4%B8%8A%E3%80%82%E7%9B%AE%E5%89%8D%EF%BC%8C%E9%93%B6%E8%A1%8C%E7%8E%B0%E9%87%91%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E7%9A%84%E6%94%B6%E7%9B%8A%E5%A4%9A%E5%9C%A83.2))| |**通知存款**（1天/7天）|**0.1% / 0.45%**左右（年利率）([中国工商银行中国网站-重要公告频道-中国工商银行关于调整人民币存款挂牌利率的公告](https://www.icbc.com.cn/page/1020608346728218624.html#:~:text=3,45))部分中小行七天通知存款可达**0.7%** ([首页-工行动态频道-重要公告栏目-中国工商银行关于调整人民币存款挂牌利率的公告](https://m.icbc.com.cn/page/989815632877236224.html#:~:text=%E4%B8%89%E3%80%81%E5%8D%8F%E5%AE%9A%E5%AD%98%E6%AC%BE%200,70))|起存￥5万 ([通知存款管理办法_人民银行 - 中国政府网](https://www.gov.cn/zhengce/2022-09/27/content_5712746.htm#:~:text=%E7%AC%AC%E4%BA%94%E6%9D%A1%20%E9%80%9A%E7%9F%A5%E5%AD%98%E6%AC%BE%E7%9A%84%E6%9C%80%E4%BD%8E%E8%B5%B7%E5%AD%98%E9%87%91%E9%A2%9D%EF%BC%9A%E4%B8%AA%E4%BA%BA%E4%B8%BA5%E4%B8%87%E5%85%83%EF%BC%8C%E5%8D%95%E4%BD%8D%E4%B8%BA50%E4%B8%87%E5%85%83%EF%BC%9B%E6%9C%80%E4%BD%8E%E6%94%AF%E5%8F%96%E9%87%91%E9%A2%9D%EF%BC%9A%E4%B8%AA%E4%BA%BA%E4%B8%BA5%E4%B8%87%E5%85%83%EF%BC%9B%E5%8D%95%E4%BD%8D%E4%B8%BA10%E4%B8%87%E5%85%83%E3%80%82%E5%AD%98%E6%AC%BE%E4%BA%BA%E9%9C%80%E4%B8%80%E6%AC%A1%E6%80%A7%E5%AD%98%E5%85%A5%EF%BC%8C%E5%8F%AF%E4%BB%A5%E4%B8%80%E6%AC%A1%E6%88%96%E5%88%86%E6%AC%A1%E6%94%AF%E5%8F%96%E3%80%82%20%E7%AC%AC%E5%85%AD%E6%9D%A1%20%E9%80%9A%E7%9F%A5%E5%AD%98%E6%AC%BE%E4%B8%BA%E8%AE%B0%E5%90%8D%E5%BC%8F%20))|提前1或7天通知后支取；可部分支取但每次不少于￥5万，账户最低留存￥5万 ([通知存款管理办法_人民银行 - 中国政府网](https://www.gov.cn/zhengce/2022-09/27/content_5712746.htm#:~:text=%E7%AC%AC%E4%BA%94%E6%9D%A1%20%E9%80%9A%E7%9F%A5%E5%AD%98%E6%AC%BE%E7%9A%84%E6%9C%80%E4%BD%8E%E8%B5%B7%E5%AD%98%E9%87%91%E9%A2%9D%EF%BC%9A%E4%B8%AA%E4%BA%BA%E4%B8%BA5%E4%B8%87%E5%85%83%EF%BC%8C%E5%8D%95%E4%BD%8D%E4%B8%BA50%E4%B8%87%E5%85%83%EF%BC%9B%E6%9C%80%E4%BD%8E%E6%94%AF%E5%8F%96%E9%87%91%E9%A2%9D%EF%BC%9A%E4%B8%AA%E4%BA%BA%E4%B8%BA5%E4%B8%87%E5%85%83%EF%BC%9B%E5%8D%95%E4%BD%8D%E4%B8%BA10%E4%B8%87%E5%85%83%E3%80%82%E5%AD%98%E6%AC%BE%E4%BA%BA%E9%9C%80%E4%B8%80%E6%AC%A1%E6%80%A7%E5%AD%98%E5%85%A5%EF%BC%8C%E5%8F%AF%E4%BB%A5%E4%B8%80%E6%AC%A1%E6%88%96%E5%88%86%E6%AC%A1%E6%94%AF%E5%8F%96%E3%80%82%20%E7%AC%AC%E5%85%AD%E6%9D%A1%20%E9%80%9A%E7%9F%A5%E5%AD%98%E6%AC%BE%E4%B8%BA%E8%AE%B0%E5%90%8D%E5%BC%8F%20))；未按通知期限提前通知则按活期利率计息|无风险（国家存款保险）|**是**（50万以内受存款保险保障）([中国工商银行中国网站-理财频道-方海平栏目-理财图谱之低风险篇：全面净值化时代市场上还有保本理财产品吗？](https://www.icbc-ltd.com/icbc/%E7%BD%91%E4%B8%8A%E7%90%86%E8%B4%A2/%E4%B8%93%E5%AE%B6%E8%A7%86%E7%82%B9/%E6%96%B9%E6%B5%B7%E5%B9%B3/%E7%90%86%E8%B4%A2%E5%9B%BE%E8%B0%B1%E4%B9%8B%E4%BD%8E%E9%A3%8E%E9%99%A9%E7%AF%87%E5%85%A8%E9%9D%A2%E5%87%80%E5%80%BC%E5%8C%96%E6%97%B6%E4%BB%A3%E5%B8%82%E5%9C%BA%E4%B8%8A%E8%BF%98%E6%9C%89%E4%BF%9D%E6%9C%AC%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E5%90%97.htm#:~:text=%E8%BF%99%E4%B8%80%E6%9C%AC%E8%B4%A8%E5%8C%BA%E5%88%AB%EF%BC%8C%E5%8D%B3%E8%B5%84%E9%87%91%E7%9B%B4%E6%8E%A5%E5%AD%98%E6%94%BE%E4%BA%8E%E9%93%B6%E8%A1%8C%E5%AD%98%E6%AC%BE%E7%BB%93%E7%AE%97%E8%B4%A6%E6%88%B7%E4%B8%8E%E9%80%9A%E8%BF%87%E8%B5%84%E7%AE%A1%E6%9C%BA%E6%9E%84%E5%8E%BB%E6%8A%95%E5%90%91%E7%9B%B8%E5%BA%94%E8%B5%84%E4%BA%A7%EF%BC%8C%E5%89%8D%E8%80%85%E4%BA%AB%E5%8F%97%E4%B8%80%E5%B1%8250%E4%B8%87%E5%AD%98%E6%AC%BE%E4%BF%9D%E9%99%A9%E7%9A%84%E5%AE%89%E5%85%A8%E4%BF%9D%E9%9A%9C%EF%BC%8C%E5%90%8E%E8%80%85%E6%89%BF%E6%8B%85%E4%B8%80%E5%B1%82%E8%B5%84%E7%AE%A1%E6%9C%BA%E6%9E%84%E7%A0%B4%E4%BA%A7%E4%BB%A5%E5%8F%8A%E5%85%B6%E4%BB%96%E8%AF%B8%E5%A6%82%E8%B5%84%E9%87%91%E6%8C%AA%E7%94%A8%E7%9A%84%20%E9%81%93%E5%BE%B7%E9%A3%8E%E9%99%A9%E7%AD%89%EF%BC%8C%E8%BF%99%E7%A7%8D%E9%A3%8E%E9%99%A9%E4%B8%8A%E7%9A%84%E5%B7%AE%E5%BC%82%E4%B9%9F%E4%BD%93%E7%8E%B0%E5%9C%A8%E6%94%B6%E7%9B%8A%E7%9A%84%E7%BB%86%E5%BE%AE%E5%B7%AE%E5%BC%82%E4%B8%8A%E3%80%82%E7%9B%AE%E5%89%8D%EF%BC%8C%E9%93%B6%E8%A1%8C%E7%8E%B0%E9%87%91%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E7%9A%84%E6%94%B6%E7%9B%8A%E5%A4%9A%E5%9C%A83.2))| |**现金管理类理财产品**（银行理财子公司发行）|**1.5%–2.5%**左右七日年化收益（平均约1.95%）([超3成现金管理类理财产品2024年平均7日年化收益率超2%，高于货币基金5%比例丨机警理财日报 - 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21世纪经济报道](https://m.21jingji.com/article/20250213/herald/0146f76d2ecc9d2a64c13373fe563168_zaker.html#:~:text=%E4%B8%87%E4%BA%BF%E5%85%83%EF%BC%8C%E5%8D%A0%E5%85%A8%E9%83%A8%E5%BC%80%E6%94%BE%E5%BC%8F%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E5%AD%98%E7%BB%AD%E8%A7%84%E6%A8%A1%E7%9A%84%E6%AF%94%E4%BE%8B%E4%B8%BA30.17))大型余额产品近期低至1.2% ([“国民理财神器”收益率跌破1.2% 背后藏着金融密码 - 新浪财经](https://finance.sina.com.cn/tech/roll/2025-02-13/doc-inekivsa8252643.shtml#:~:text=%E2%80%9C%E5%9B%BD%E6%B0%91%E7%90%86%E8%B4%A2%E7%A5%9E%E5%99%A8%E2%80%9D%E6%94%B6%E7%9B%8A%E7%8E%87%E8%B7%8C%E7%A0%B41.2%25%20%E8%83%8C%E5%90%8E%E8%97%8F%E7%9D%80%E9%87%91%E8%9E%8D%E5%AF%86%E7%A0%81%20,))|门槛极低，通常￥1起购，50万投资无障碍|支持随时赎回，**T+0快速到账**（单日快速提取有额度上限，如1万或5万元）([7日年化不足2%，说说可以替代货基的几类产品 - 21经济网](http://www.21jingji.com/article/20220809/herald/568697eeac39c6dfcb39cb020d961670.html#:~:text=%E8%B4%A7%E5%B8%81%E5%9F%BA%E9%87%91%E4%BD%9C%E4%B8%BA%E4%B8%80%E7%A7%8D%E7%8E%B0%E9%87%91%E7%AE%A1%E7%90%86%E5%B7%A5%E5%85%B7%EF%BC%8C%E5%85%B6%E5%AE%9E%E5%AF%B9%E4%BA%8E%E4%B8%AA%E4%BA%BA%E6%8A%95%E8%B5%84%E8%80%85%EF%BC%8C%E5%B0%B1%E6%98%AF%E6%94%BE%E2%80%9C%E9%9B%B6%E9%92%B1%E2%80%9D%E7%9A%84%E5%9C%B0%E6%96%B9%E3%80%82%E8%BF%99%E4%BA%9B%E9%92%B1%EF%BC%8C%E5%8F%AF%E8%83%BD%E6%88%91%E9%9A%8F%E6%97%B6%E8%A6%81%E7%94%A8%EF%BC%8C%E8%BF%99%E5%B0%B1%E9%9C%80%E8%A6%81%E4%BA%A7%E5%93%81%E9%9C%80%E8%A6%81%E7%81%B5%E6%B4%BB%E6%80%A7%EF%BC%8C%E7%81%B5%E6%B4%BB%E4%B9%B0%E5%8D%96%EF%BC%8C%E6%9C%80%E5%A5%BD%E5%B0%B1%E6%98%AF%E5%AE%9E%E6%97%B6%E5%88%B0%E8%B4%A6%E3%80%82%E5%86%8D%E6%9C%89%EF%BC%8C%E5%B0%B1%E6%98%AF%E5%9C%A8%20%E4%BF%9D%E8%AF%81%E7%81%B5%E6%B4%BB%E6%80%A7%E7%9A%84%E6%83%85%E5%86%B5%E4%B8%8B%EF%BC%8C%E5%B0%BD%E9%87%8F%E6%94%B6%E7%9B%8A%E8%83%BD%E9%AB%98%E3%80%82))；普通赎回T+1日到账|**极低风险**（基金产品）|**否**（基金净值波动，不承诺保本 ([中国工商银行中国网站-理财频道-方海平栏目-理财图谱之低风险篇：全面净值化时代市场上还有保本理财产品吗？](https://www.icbc-ltd.com/icbc/%E7%BD%91%E4%B8%8A%E7%90%86%E8%B4%A2/%E4%B8%93%E5%AE%B6%E8%A7%86%E7%82%B9/%E6%96%B9%E6%B5%B7%E5%B9%B3/%E7%90%86%E8%B4%A2%E5%9B%BE%E8%B0%B1%E4%B9%8B%E4%BD%8E%E9%A3%8E%E9%99%A9%E7%AF%87%E5%85%A8%E9%9D%A2%E5%87%80%E5%80%BC%E5%8C%96%E6%97%B6%E4%BB%A3%E5%B8%82%E5%9C%BA%E4%B8%8A%E8%BF%98%E6%9C%89%E4%BF%9D%E6%9C%AC%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E5%90%97.htm#:~:text=%E7%8E%B0%E9%87%91%E7%AE%A1%E7%90%86%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E3%80%81%E8%B4%A7%E5%B8%81%E5%9F%BA%E9%87%91%E4%BB%A5%E5%8F%8A%E9%83%A8%E5%88%86%E5%9B%BA%E6%94%B6%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%EF%BC%8C%E5%9C%A8%E9%A3%8E%E9%99%A9%E7%AD%89%E7%BA%A7%E8%AF%84%E5%AE%9A%E4%B8%AD%E5%BE%80%E5%BE%80%E5%B1%9E%E4%BA%8E%E8%BE%83%E4%BD%8E%E9%A3%8E%E9%99%A9%E4%BA%A7%E5%93%81%EF%BC%8C%E5%8D%B3%E4%BD%BF%E5%AE%83%E4%BB%AC%E7%9A%84%E5%BA%95%E5%B1%82%E8%B5%84%E4%BA%A7%E4%B9%9F%E4%B8%BB%E8%A6%81%E6%8A%95%E5%90%91%E5%9B%BD%E5%80%BA%E3%80%81%E5%AD%98%E6%AC%BE%E7%AD%89%EF%BC%8C%E4%BD%86%E4%BA%8C%E8%80%85%E4%BB%8D%E6%9C%89%E6%9C%AC%E8%B4%A8%E5%8C%BA%E5%88%AB%EF%BC%8C%E4%B8%8D%E5%85%81%E8%AE%B8%E5%87%BA%20%E7%8E%B0%E2%80%9C%E4%BF%9D%E6%9C%AC%E2%80%9D%EF%BC%8C%E5%BF%85%E9%A1%BB%E6%8F%90%E7%A4%BA%E2%80%9C%E5%AD%98%E5%9C%A8%E6%9C%AC%E9%87%91%E6%8D%9F%E5%A4%B1%E7%9A%84%E5%8F%AF%E8%83%BD%E2%80%9D%E3%80%82))）| |**短期债券基金**（短债/中短债）|**2%–3%**左右年化收益（视市场利率波动；过去十年年化约4%）([震荡市的“压舱石” 短债基金有何魔力？ - 天天基金- 东方财富](https://fund.eastmoney.com/a/1594,202204152344530345.html#:~:text=%E9%9C%87%E8%8D%A1%E5%B8%82%E7%9A%84%E2%80%9C%E5%8E%8B%E8%88%B1%E7%9F%B3%E2%80%9D%20%E7%9F%AD%E5%80%BA%E5%9F%BA%E9%87%91%E6%9C%89%E4%BD%95%E9%AD%94%E5%8A%9B%EF%BC%9F%20,%E4%B9%8B%E9%97%B4%EF%BC%8C%E6%AF%94%E8%B5%B7%E8%BF%91%E6%9C%9F%E5%A4%A7%E7%83%AD%E7%9A%84%E2%80%9C%E5%9B%BA%E6%94%B6%2B%E2%80%9D%E7%95%A5%E4%BD%8E%E3%80%82%20%E4%BD%86%E4%BB%8E%E8%A1%A8%E5%BE%81%E9%A3%8E%E9%99%A9%E7%9A%84%E6%B3%A2%E5%8A%A8%E7%8E%87%E5%92%8C%E6%9C%80%E5%A4%A7))|门槛极低，￥1~1000元起购|**T+1或T+2**日到账；可部分赎回（持有不足7天可能收取赎回费）|**低至中低风险**（约相当R2级）|**否**（净值浮动，不保本，可能有微小亏损）| **注：**银行存款受《存款保险条例》保障，本金和利息合计50万元以内可获得赔付保障 ([中国工商银行中国网站-理财频道-方海平栏目-理财图谱之低风险篇：全面净值化时代市场上还有保本理财产品吗？](https://www.icbc-ltd.com/icbc/%E7%BD%91%E4%B8%8A%E7%90%86%E8%B4%A2/%E4%B8%93%E5%AE%B6%E8%A7%86%E7%82%B9/%E6%96%B9%E6%B5%B7%E5%B9%B3/%E7%90%86%E8%B4%A2%E5%9B%BE%E8%B0%B1%E4%B9%8B%E4%BD%8E%E9%A3%8E%E9%99%A9%E7%AF%87%E5%85%A8%E9%9D%A2%E5%87%80%E5%80%BC%E5%8C%96%E6%97%B6%E4%BB%A3%E5%B8%82%E5%9C%BA%E4%B8%8A%E8%BF%98%E6%9C%89%E4%BF%9D%E6%9C%AC%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E5%90%97.htm#:~:text=%E8%BF%99%E4%B8%80%E6%9C%AC%E8%B4%A8%E5%8C%BA%E5%88%AB%EF%BC%8C%E5%8D%B3%E8%B5%84%E9%87%91%E7%9B%B4%E6%8E%A5%E5%AD%98%E6%94%BE%E4%BA%8E%E9%93%B6%E8%A1%8C%E5%AD%98%E6%AC%BE%E7%BB%93%E7%AE%97%E8%B4%A6%E6%88%B7%E4%B8%8E%E9%80%9A%E8%BF%87%E8%B5%84%E7%AE%A1%E6%9C%BA%E6%9E%84%E5%8E%BB%E6%8A%95%E5%90%91%E7%9B%B8%E5%BA%94%E8%B5%84%E4%BA%A7%EF%BC%8C%E5%89%8D%E8%80%85%E4%BA%AB%E5%8F%97%E4%B8%80%E5%B1%8250%E4%B8%87%E5%AD%98%E6%AC%BE%E4%BF%9D%E9%99%A9%E7%9A%84%E5%AE%89%E5%85%A8%E4%BF%9D%E9%9A%9C%EF%BC%8C%E5%90%8E%E8%80%85%E6%89%BF%E6%8B%85%E4%B8%80%E5%B1%82%E8%B5%84%E7%AE%A1%E6%9C%BA%E6%9E%84%E7%A0%B4%E4%BA%A7%E4%BB%A5%E5%8F%8A%E5%85%B6%E4%BB%96%E8%AF%B8%E5%A6%82%E8%B5%84%E9%87%91%E6%8C%AA%E7%94%A8%E7%9A%84%20%E9%81%93%E5%BE%B7%E9%A3%8E%E9%99%A9%E7%AD%89%EF%BC%8C%E8%BF%99%E7%A7%8D%E9%A3%8E%E9%99%A9%E4%B8%8A%E7%9A%84%E5%B7%AE%E5%BC%82%E4%B9%9F%E4%BD%93%E7%8E%B0%E5%9C%A8%E6%94%B6%E7%9B%8A%E7%9A%84%E7%BB%86%E5%BE%AE%E5%B7%AE%E5%BC%82%E4%B8%8A%E3%80%82%E7%9B%AE%E5%89%8D%EF%BC%8C%E9%93%B6%E8%A1%8C%E7%8E%B0%E9%87%91%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E7%9A%84%E6%94%B6%E7%9B%8A%E5%A4%9A%E5%9C%A83.2))。现金管理类理财和基金产品为净值型，不承诺保本，虽属低风险但净值随市场略有波动 ([中国工商银行中国网站-理财频道-方海平栏目-理财图谱之低风险篇：全面净值化时代市场上还有保本理财产品吗？](https://www.icbc-ltd.com/icbc/%E7%BD%91%E4%B8%8A%E7%90%86%E8%B4%A2/%E4%B8%93%E5%AE%B6%E8%A7%86%E7%82%B9/%E6%96%B9%E6%B5%B7%E5%B9%B3/%E7%90%86%E8%B4%A2%E5%9B%BE%E8%B0%B1%E4%B9%8B%E4%BD%8E%E9%A3%8E%E9%99%A9%E7%AF%87%E5%85%A8%E9%9D%A2%E5%87%80%E5%80%BC%E5%8C%96%E6%97%B6%E4%BB%A3%E5%B8%82%E5%9C%BA%E4%B8%8A%E8%BF%98%E6%9C%89%E4%BF%9D%E6%9C%AC%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E5%90%97.htm#:~:text=%E7%8E%B0%E9%87%91%E7%AE%A1%E7%90%86%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%E3%80%81%E8%B4%A7%E5%B8%81%E5%9F%BA%E9%87%91%E4%BB%A5%E5%8F%8A%E9%83%A8%E5%88%86%E5%9B%BA%E6%94%B6%E7%B1%BB%E7%90%86%E8%B4%A2%E4%BA%A7%E5%93%81%EF%BC%8C%E5%9C%A8%E9%A3%8E%E9%99%A9%E7%AD%89%E7%BA%A7%E8%AF%84%E5%AE%9A%E4%B8%AD%E5%BE%80%E5%BE%80%E5%B1%9E%E4%BA%8E%E8%BE%83%E4%BD%8E%E9%A3%8E%E9%99%A9%E4%BA%A7%E5%93%81%EF%BC%8C%E5%8D%B3%E4%BD%BF%E5%AE%83%E4%BB%AC%E7%9A%84%E5%BA%95%E5%B1%82%E8%B5%84%E4%BA%A7%E4%B9%9F%E4%B8%BB%E8%A6%81%E6%8A%95%E5%90%91%E5%9B%BD%E5%80%BA%E3%80%81%E5%AD%98%E6%AC%BE%E7%AD%89%EF%BC%8C%E4%BD%86%E4%BA%8C%E8%80%85%E4%BB%8D%E6%9C%89%E6%9C%AC%E8%B4%A8%E5%8C%BA%E5%88%AB%EF%BC%8C%E4%B8%8D%E5%85%81%E8%AE%B8%E5%87%BA%20%E7%8E%B0%E2%80%9C%E4%BF%9D%E6%9C%AC%E2%80%9D%EF%BC%8C%E5%BF%85%E9%A1%BB%E6%8F%90%E7%A4%BA%E2%80%9C%E5%AD%98%E5%9C%A8%E6%9C%AC%E9%87%91%E6%8D%9F%E5%A4%B1%E7%9A%84%E5%8F%AF%E8%83%BD%E2%80%9D%E3%80%82))。以上产品中，在确保流动性的前提下，**通知存款**和**现金管理类理财**通常能提供高于活期存款和货币基金的收益率，而**短债基金**在承担稍高波动风险的情况下有望获取更高收益。用户可根据对流动性和风险的偏好，在安全性前提下选择收益尽可能高的品种。