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余额宝年化收益率为什么会持续下降？

2025-03-15 00:40:22

推荐回答（1个）

回答1：

因为余额宝主要投资银行大额存款，受银行利率水平影响较大，最近银行利率一直在往下走，余额宝收益已经下降。而收益下降后，余额宝吸引力也大不如以前，不少资金转出，资金转出量加大，造成余额宝需要支取之前投资的一些大额存款，这也会减少收益。这样余额宝就进入资金减少局面，收益也跟着减少了。

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