西部证券：因投资者结构差异较大，零售客户对于税优的敏感度较低

【西部证券：因投资者结构差异较大，零售客户对于税优的敏感度较低】根据银行业理财登记托管中心披露，2022年6月末全市场理财产品的投资者中，个人投资者占比99.08%。而货币基金中个人投资者持有净值仅占58%，机构投资者的占比还在不断扩大。因此两者投资者结构差异，理财产品投资者以零售客户为主，对税收的敏感度相对较低，因此税收劣势并不明显影响零售客户的需求。","multimedia":{"img_url":["https://n.sinaimg.cn/zhibo/484/w850h434/20230109/d369-634ef6640d59c44b194b79c98b41445d.png"]},"commentid":"live:finance-152-2937525:0","compere_id":0,"creator":"maohua1@staff.sina.com","mender":"maohua1@staff.sina.com","create_time":"2023-01-09 16:33:08","update_time":"2023-01-09 16:33:14","is_need_check":"0","check_time":"1970-01-01 08:00:01","check_status":"1","check_user":"","is_delete":0,"top_value":0,"is_focus":0,"source_content_id":"0","anchor_image_url":"","anchor":"直播员","ext":"{"stocks":[{"market":"cn","symbol":"sz002673","key":"u897fu90e8u8bc1u5238"},{"market":"fund","symbol":"161121","key":"u94f6u884cu4e1a"},{"market":"fund","symbol":"511620","key":"u8d27u5e01u57fau91d1"}],"needPush":false,"needAIPush":false,"needCMSLink":true,"needCalender":false,"needProvince":"0","docurl":"https:\/\/finance.sina.com.cn\/7x24\/2023-01-09\/doc-imxzqrrn2303008.shtml","docid":"mxzqrrn2303008"}","old_live_cid":"0","tab":"","tag":[{"id":"2","name":"行业"},{"id":"5","name":"市场"}],"like_nums":0,"comment_list":{"list":[],"total":0,"thread_show":0,"qreply":0,"qreply_show":0,"show":0},"docurl":"https://finance.sina.cn/7x24/2023-01-09/detail-imxzqrrn2303008.d.html","rich_text_nick_to_url":[],"rich_text_nick_to_routeUri":[],"compere_info":""},{"id":2937524,"zhibo_id":152,"type":0,"rich_text":"吉利汽车：本集团于二零二二年十二月之总销量为146017部，较去年同期减少约8%。二零二二年全年之总销量为1432988部，较去年同期增长约8%。