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续走低也使其市场竞争力不断下降，随着货币市场利率的下行，其对用户的吸引力大幅减弱，规模的持续缩水也让银行缺乏继续运营的动力。　　实际上，从存量市场来看，袁帅指出，当前存续的“宝宝”类理财产品规模已经较巅峰时期出现大幅缩水，产品业绩表现也趋于平淡，多数产品的收益率维持在2%左右的低位，难以再重现往日的高收益表现。　　不过，盘古智库高级研究员余丰慧也指出，存量市场上，“宝宝”类理财产品的规模和业绩表现

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