原标题：信银、兴银跻身股份行理财公司“现金类”产品榜单前三！七日年化收益最高超3%丨机警理财日报（9月13日）南方财经全媒体集团研究员 邝晓瑜 广州报道南财理财通数据显示，截至2022年9月13日，全市场共发行净值型理财产品105528只。 What better way to figure out a mystery of the ancients than to try it out yourself? That’s what one sailing aficionado from Israel did when confronted with a puzzle from the Christian Bible.,David Gal, a doctoral student in the Department of Maritime Civilizations at the University of Haifa, says he has figured out why the Christian Apostle Paul sailed from Judea to Rome along the southern coast of Anatolia in 60 CE - a route that, to him, wasn’t the most obvious one, since most winds in the Mediterranean are westerlies and Paul was going west.,That year, Paul was sent to the imperial capital to answer to Jewish authorities for preaching the teachings of Jesus of Nazareth, who claimed to have been the Jewish messiah. Most Jews did not accept Jesus’ teachings, and he was tried and executed by crucifixion for blasphemy and subversion in either 30 or 33 CE.,Paul’s journey is recounted in unusual detail in the New Testament book of Acts. The preacher zigzagged his way across the sea, swinging north of Cyprus before heading to the city of Myra (modern Demre) in southern Anatolia. From there, he went west past Rhodes, to Knidos, then south to the southern coast of Crete and west across the southernmost parts of the Ionian Sea. However, he was shipwrecked in Malta and his journey took much longer than anticipated.,“Until recently, we didn’t understand why the Alexandrian grain ship that Paul joined in southern Anatolia, bound for Rome, chose that particular route,” Gal told Haaretz.,The boat, Ma’agan Mikhael II, is a replica of a ship found in 1985 about 2 meters underneath the seabed off the coast of Kibbutz Ma’agan Mikhael in northern Israel, not far from Caesarea. In ancient times, the city was known as Caesarea Maritima or Caesarea Palestine, named after the Roman emperor Augustus Caesar. The replica boat was finished in 2016 and is just one of two ships in the world that simulates a merchant sailing vessel from Before the Common Era (BCE).,By coincidence, Caesarea also happens to be the port from which Paul left on his trip to Rome.,In part, Gal’s study was based on computer modeling, which combined vast amounts of weather data and conducted 5,479 virtual sailing trips along 224 different possible routes from Caesarea to Rome, for a total of 1.2 million virtual sailing trips. However, that wasn’t enough: Gal also took a crew of 10 volunteer sailors out in the Ma’agan Mikhael II to explore the intangible human element of the journey. With just one sail, the ship moves along at a brisk 3.9 miles per hour.,“Only when we sailed on Ma’agan Mikhael II did we understand the real limitations of the ship and the sailors,” Gal told Haaretz. “We found that in many sections of the coast, the breeze doesn’t support this type of movement.”,“They didn’t sail counter to the prevailing wind, but waited for days with a favorable wind in the opposite direction,” Gal concluded. “We found there were such days in a large meteorological sampling. Until now, scholars didn’t examine that but used low-resolution meteorological averages that erase the variance in the wind.”,Gal said he has taken the ship out more than 80 times, sailing as far as Cyprus, and found that the daily wind patterns, in which breezes can blow westward from the Levantine coast, have remained strong after 3,000 years. By navigating those patterns, ancient sailors could have crept up the coast until they found more favorable winds.,“We have data about its performance in all wind conditions and how various currents affect it, and that enables us to conduct a reliable simulation of sailing. With its help, we acquired insights into the way such a ship is operated; we had a better understanding of how four people can sail from Greece to here and back,” he said.。其中，一级（低风险）产品占比1.69%，二级（中低风险）产品占比82.48%，三级（中风险）产品占比14.33%，四级（中高风险）产品占比1.16%，五级（高风险）产品占比0.34%。投资性质方面，固定收益产品占绝对主流，占比92.94%；混合类产品占比6.28%；权益类产品占比0.72%；商品及金融衍生品类占比0.05%。
8月CPI同比涨2.5%，涨幅半年来首现回落9月9日，国家统计局公布8月物价指数：8月全国居民消费价格（CPI）同比上涨2.5%，较上月回落0.2个百分点。中信证券研究团队表示，8月CPI同比回落而环比转降，PPI同比大幅回落，略超市场预期。未来将聚焦猪周期演变，预计CPI同比将再次冲高，而PPI或将在9月保持小幅正增长，10月可能转负。
一、【南财理财通】股份行理财公司现金管理产品收益排行榜本文榜单排名来自理财通AI全自动化实时排名，如您对数据有疑问，请在文末联系助理进一步核实。据南财理财通数据，截至9月8日，在股份行理财公司现金管理类产品榜单中，兴银理财、信银理财、光大理财、平安理财和华夏理财产品跻身行业前十。
B | 其中，兴银理财是上榜数量最多的理财公司，共上榜4只产品；信银理财、平安理财各上榜2只产品；光大理财、华夏理财上榜1只产品。此次，兴银理财和信银理财的产品霸榜前四，上榜产品包括信银理财的“日盈象天天利5号”和“日盈象日日鑫H”，以及兴银理财的“日日新1号”和“兴银添利8号E“。其中，收益率最高的是“日盈象天天利5号”，近七日年化收益达3.496%。相较于上期发布的同维度榜单（请见关联文章），上榜产品仅在排名和收益率上略有变化。其中，信银理财“日盈象天天利5号”由第二位上升至榜首，七日年化收益率上升68bp；光大理财“阳光碧悦活”由第十位升至第5位；兴银理财“兴银添利宝C”则由第5位降至第7位。本期课题组以“日盈象日日鑫H”为样本进行分析。据南财理财通数据显示，信银理财“日盈象日日鑫H”成立于2020年12月16日，业绩比较基准为中国人民银行公布的7天通知存款利率，风险等级为PR1（低风险）。该产品下设B、G、H三类份额。其中，H类份额首次申购金额不低于1元人民币，并以1元的整数倍递增。在产品收费上，“日盈象日日鑫H”收取销售服务费0.25%/年，托管费0.03%/年，固定管理费0.05%/年，不收取浮动管理费、申/认购费和赎回费。“日盈象日日鑫H”还未公布二季报。据该产品2022年一季度投资报告，截至3月31日，该产品资产净值总额为62.33亿元，期末产品杠杆率为1.0011。从资产组合来看，该产品68.74%投资于债券资产，16.27%投资于现金及银行存款，11.29%投资于同业存单，拆放同业及买入返售占比3.70%。
C | 据南财理财通数据，截至9月8日，“日盈象日日鑫H”七日年化收益达2.723%。谈及债市策略，中信证券研究团队认为，通胀读数对于长债利率走势的参考价值较低，因此低于预期的8月通胀水平对于债市的利多相对有限。后续需要重点关注金融与经济数据背后宽信用与基本面的修复情况，考虑到地产链需求弱或仍将持续，预计短期内10年期国债收益率仍将呈现震荡偏强走势。
D | 信银投资经理指出，“日盈象日日鑫H”投资标的主要集中在中高等级信用债，不盲目下沉信用资质。央行8月降低MLF和OMO利率，会推动债市整体收益率继续下行。产品组合在保持原有仓位的同时应注意灵活调整产品久期与杠杆以应对市场波动风险。
E | 二、【南财理财通】货币基金收益排行榜据南财理财通数据，截至9月12日，七日年化收益率排名前三的货币基金分别是“泰达宏利货币B”、“交银天利宝货币E”和“兴全天添益货币B”。其中，位居第一的“泰达宏利货币B”成立于2014年8月6日，近七日年化收益率为1.9960%，基金经理为周丹娜。最新净资产规模为13.48亿元，较上期环比增加14.66%。资产配置方面，据2022年二季度报告，该产品所持债券占净资产的比例为88.22%，现金资产占净资产的比例为8.25%。根据2022年二季度统计，持仓比例最高的前三名债券分别是“21国开11”、“21农发11”、“21建设银行CD133”，依次占基金净资产的3.78%、3.77%和3.71%。作者：邝晓瑜数据分析师：马怡婷编辑：周炎炎实习生：丁欣晴、黄间焕更多内容请下载21财经APP返回搜狐，查看更多责任编辑：
