2026年1月30日，律师周筱赟通过其微信公众号发布消息，他已正式起诉中国建设银行东营东城支行 （以下简称东营建行）。根据法院传票信息，开庭时间为2026年2月4日上午9时。去年11月，周筱赟在 银行"取4万元遭盘问报警"事件引发广泛关注。 周筱赟对智通财经表示，此次起诉建行东营东城支行，他没有提出经济赔偿的要求。其诉求主要有两 个：一是请法院确认东营建行侵权的事实，二是要求东营建行在全国性媒体公开赔礼道歉。 "我希望通过起诉，推动银行管理层正视过度反诈的问题，让建行的管理层有一点点警醒，推动一点点 变革。如果一家银行改变了，其他也会跟进。"周筱赟表示。 2月1日，周筱赟收到了法院发来的东营建行的答辩状。答辩状中，东营建行认为，其工作人员在为原告 办理取款业务时，结合原告取款及用途等情形，判断原告可能存在被诈骗的风险，出于保护原告财产安 全的目的，银行向原告采取了相关核实措施。 东营建行还表示，本案中，银行结合原告的具体情况，与当地公安机关电话联系，目的是使原告避免可 能存在的被诈骗风险。因此，东营建行认为其不应承担"赔礼道歉"的民事责任。 周筱赟律 师在东营建行门口。受访者供图 周筱赟介绍，2025年11月 ...

黄金价格近期创造历史新高后又暴跌，多家银行紧急出手控制风险。北京晚报记者梳理发 现，国有六大行均已发布公告调整黄金相关业务，并提示交易风险。 工商银行 2月1日，工商银行通过公司贵金属业务部"工银金行家"公众号发布风险提示，近期国内外 贵金属价格波动剧烈，市场不确定性显著增强，建议客户在审慎评估自身风险承受能力的基 础上，保持理性投资心态，避免盲目追涨杀跌。公告建议 客户从中长期视角考虑，坚持分 批分散、适度均衡的原则进行投资配置，同时密切关注行情变化，合理控制持仓规模，有效 防范市场波动风险 。 此前，1月30日，工商银行官网发布公告，自2月7日起，工行对如意金积存业务及浮动报 价类实物黄金产品销售业务的办理时间进行调整；在周末以及法定节假日等非上海黄金交易 所交易日，对如意金积存业务进行限额管理并进行动态设置。 1月5日，工商银行公告，自1月12日起，对个人客户积存金业务风险承受能力等级进行调 整，个人客户办理积存金业务的开户、主动积存或新增定投计划的，需取得C3-平衡型及以 上的评估结果并签订积存金风险揭示书。 1月29日，农业银行发布《关于代理上海黄金交易所个人贵金属交易业务调整延期合约保证 金比例的 ...

Group 1 - Shanghai Gold Exchange announced an adjustment to the margin level and price fluctuation limits for silver deferred contracts due to significant price volatility [2] - Starting February 2, 2026, the margin level for Ag (T+D) contracts will increase from 20% to 26%, and the price fluctuation limit will change from 19% to 25% if a one-sided market occurs [2] - If no one-sided market occurs, the margin level and price fluctuation limits for Ag (T+D) contracts will remain unchanged [3] Group 2 - Industrial and Commercial Bank of China (ICBC) advised clients to maintain a rational investment mindset amid significant fluctuations in precious metal prices, suggesting a diversified investment approach [5] - Agricultural Bank of China increased the margin ratio for Au (T+D) and mAu (T+D) contracts from 44% to 60% effective January 30 [6] - China Bank highlighted the uncertainties in the precious metals market and urged clients to manage their trading activities based on their financial status and risk tolerance [9] Group 3 - Construction Bank raised the minimum amount for regular gold accumulation business to 1500 yuan starting February 2, while also warning clients about increased market risks [11] - Both Bank of Communications and Postal Savings Bank issued announcements regarding adjustments to margin ratios for various gold contracts, with Postal Savings Bank increasing the margin ratio from 80% to 120% for certain contracts [12]

Group 1 - The six major state-owned banks in China have announced adjustments to their gold-related business rules and issued investment risk warnings in response to market volatility [1][2] - Industrial and Commercial Bank of China (ICBC) has implemented new requirements for personal customers to assess their risk tolerance before engaging in gold accumulation and investment plans, effective from January 12 [1] - Agricultural Bank of China (ABC) has raised the risk assessment requirement for its gold accumulation business, requiring a cautious risk level or higher starting January 30 [1] Group 2 - China Bank has highlighted increased uncertainty in the precious metals market and advised customers to manage their trading based on their financial situation and risk tolerance [1] - Construction Bank has raised the minimum amount for personal gold accumulation business to 1,500 yuan, effective February 2, and urged customers to enhance their risk awareness [2] - Postal Savings Bank has increased the margin ratio for several deferred contracts to 120% starting January 22, indicating a tightening of trading conditions [2]

Core Viewpoint - Precious metal prices have experienced significant declines, with gold dropping over 5% and silver falling more than 10%, prompting major banks to issue risk warnings and adjust their trading policies [1][2]. Group 1: Precious Metal Price Movements - As of February 2, spot gold prices are trading around $4636 per ounce, reflecting a decline of over 5% [1]. - Spot silver has dropped more than 10%, falling below $77 per ounce [2]. Group 2: Bank Responses and Adjustments - The Industrial and Commercial Bank of China (ICBC) has issued a risk warning, advising clients to assess their risk tolerance and adopt a rational investment approach amid increased market volatility [2]. - ICBC announced adjustments to its gold-related business operations, including changes to the processing times for certain gold products starting February 7 [2]. - Agricultural Bank of China has raised the margin requirement for gold trading contracts from 44% to 60% and emphasized the need for clients to control their positions and trade rationally [3]. - China Bank has also alerted clients to the uncertainties in the precious metals market and advised them to manage their trading activities based on their financial situation and risk tolerance [3]. - Construction Bank has increased the minimum investment amount for its gold accumulation business to 1500 yuan, citing heightened market risks [4]. - Other banks, including Bank of Communications and Postal Savings Bank, have also issued trading alerts and adjusted margin requirements for various gold contracts [4].

【文/观察者网 林琛力 编辑/陶立烽】 律师取4万元遭银行"盘问"，反诈如何破解"误伤"难题？针对相关情况，1月31日，观察者网对话当事律 师周筱赟。 去年11月3日，律师周筱赟在山东东营出差期间，前往中国建设银行东营东城支行（以下简称东营建 行）提取4万元现金时，被告知取款一万元以上需要进行登记，柜员进一步追问资金具体用途，甚至调 取其一个月前的交易流水，询问某笔转账的细节。 在周筱赟拒绝透露更多私人信息后，银行报警。半小时后，银行方面又称无法联系到警方，并突然转变 态度表示可以办理取款业务。最终，周筱赟放弃取款。 1月30日，周筱赟通过其微信公众号发布消息，他已正式起诉东营建行。该案已经正式立案，东营经济 开发区人民法院向其发放了正式的受理案件通知书，案号为（2026）鲁0591民初231号。根据东营开发 区法院传票，开庭时间为2026年2月4日上午9时。 法院传票 周筱赟提供 "建行总行或派团队应诉"，案件争议点在事实定性 在1月30日的文章中，周筱赟提到，建行总行的内部线人告知，这次不是由东营建行派员出庭应诉，而 是由北京的建行总行派出法律团队出庭。 对此，周筱赟对观察者网表示，目前无法确定该信息的真 ...

央视新闻 近期国内外贵金属价格波动剧烈，市场不确定性显著增强。日前，国有六大行多次发布公告调整黄金相 关业务，并提示交易风险。 工商银行 2月1日，工商银行通过公司贵金属业务部"工银金行家"公众号发布风险提示。近期国内外贵金属价格波 动剧烈，市场不确定性显著增强，工行建议客户在审慎评估自身风险承受能力的基础上，保持理性投资 心态，避免盲目追涨杀跌。公告建议客户从中长期视角考虑，坚持分批分散、适度均衡的原则进行投资 配置，同时密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 1月30日，中国银行发布公告表示，贵金属市场的不确定性因素较多，价格大幅波动。为保护积存金、 积利金、账户贵金属等贵金属相关业务的客户利益，中行特别提示客户做好市场风险防范，基于自身财 务状况和风险承受能力开展贵金属交易活动，合理控制贵金属持仓规模，防范贵金属价格波动带来的资 金损失风险。 建设银行 1月30日，建设银行发布公告调整个人黄金积存业务定期积存起点金额。自2月2日9:10起，建行个人黄 金积存业务定期积存起点金额（包括日均积存及自选日积存）上调至1500元。 同时，建行提示，近期国内外贵金属价格波动加剧，市场风险提升。 ...

2月2日，中国建设银行支持上海市第一批收购二手住房用于保障性租赁住房项目签约活动在中国建设银 行上海市分行举行。上海市人民政府副市长张小宏、中国建设银行副行长唐朔出席。 建设银行上海市分行表示，为保障项目推进，将定制专项方案，从融资安排、资金监管，到个人住房按 揭、科创E建行科技人才一站式服务平台等，提供全周期、多层次的金融服务支持。 上海市住房城乡建设管理委、市房屋管理局和浦东新区、静安区、徐汇区，建设银行上海市分行以及相 关单位等70余位嘉宾参加，共同见证建设银行上海市分行相关支行与浦东新区、静安区、徐汇区三个区 公租房公司签署合作协议，为开展收购工作提供金融支持。 智通财经记者 栾晓娜 智通财经（www.thepaper.cn）记者当天从上海市房管局获悉，本次签约标志着此项工作实质性启动，将 推动上海住房保障体系更加完善，强化供给与需求匹配、租赁与购置联动，形成"政策引导、市场运 作、多方协同、群众得益"的良好格局；推动保障性租赁住房筹措模式持续创新，在"十四五"大力实施 规划新建、非居住房屋更新转化的基础上，创新探索在二手房市场中收购存量住宅，进一步拓宽保障房 源筹措渠道；推动保障性租赁住房供给力度不 ...

Core Viewpoint - The gold market experienced a significant drop in prices, with gold falling from 1252 CNY/g to 1142 CNY/g in a matter of minutes, marking a decline of over 9% on January 30, the largest single-day drop since 1983 [1][16]. Market Reaction - Following the price drop, many investors rushed to sell their gold holdings, with some reporting substantial profits from timely sales [1][5]. - The Shenzhen Shui Bei market saw a surge in activity, with some vendors selling gold bars worth millions in a single day, while others faced stock shortages due to high demand [3][8]. Price Trends - On February 1, gold prices were reported at 1262 CNY/g, with a recovery price of 1080 CNY/g, while silver prices were at 30.6 CNY/g, down from previous highs [5][10]. - The price of gold jewelry also saw a significant decline, with major brands reporting drops of up to 160 CNY/g within two days [14]. Investor Behavior - Some consumers opted to buy gold at lower prices, believing in its long-term value, while others were quick to sell due to market volatility [6][12]. - The market showed a mix of panic selling and opportunistic buying, with many investors expressing uncertainty about future price movements [8][10]. Institutional Response - Several banks have increased risk assessments for clients engaging in gold transactions, reflecting heightened market volatility and uncertainty [15]. - Analysts noted that the recent price drop was driven by an overheated market and external factors such as declines in the stock market, particularly following disappointing earnings reports from major companies [16].

Core Viewpoint - Major Chinese banks have adjusted their gold accumulation business and issued risk warnings due to significant fluctuations in gold prices and increased market uncertainty [1][2][5][7]. Group 1: Bank Adjustments - Industrial and Commercial Bank of China (ICBC) has modified its gold accumulation business rules, implementing limit management for transactions on non-trading days starting February 7 [3]. - ICBC raised the minimum investment amount for gold accumulation from 1000 yuan to 1100 yuan as of January 8 [4]. - China Construction Bank increased the minimum investment amount for personal gold accumulation to 1500 yuan starting February 2 [5]. Group 2: Risk Warnings - ICBC advises investors to assess their risk tolerance and maintain a rational investment approach, suggesting a diversified investment strategy [2]. - Bank of China has highlighted the uncertainties in the precious metals market since 2026, urging clients to manage their gold holdings carefully to mitigate potential losses [7]. - China Agricultural Bank requires clients to complete a risk assessment before engaging in gold accumulation activities, emphasizing the importance of risk awareness [12]. - Traffic Bank has set conditions for clients based on their risk assessment results, allowing only those with higher risk tolerance to engage in all gold-related transactions [9].