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].

1月28日，据中央纪委国家监委驻中国农业银行纪检监察组、浙江省纪委监委消息，日前，经中央纪委国家监委批准，中央纪委国家监委驻中国农业银行纪 检监察组、浙江省监委对中国农业银行原首席专家兼浙江省分行原党委书记、行长冯建龙严重违纪违法问题进行了立案审查调查。 经查，冯建龙丧失理想信念，背弃初心使命，对抗组织审查，搞迷信活动；违反中央八项规定精神，违规接受宴请，无偿借用服务对象车辆，违规出入具有 私人会所性质的场所，为本人及亲属谋求特殊待遇；违背组织原则，不按规定报告个人有关事项，在组织谈话函询时不如实说明问题，在干部选拔任用、职 工录用等工作中为他人谋取利益；廉洁底线失守，通过民间借贷获取大额回报，违规从事营利活动，违规收受大额钱款，离职后违规任职取酬，收受管理服 务对象礼品礼金，利用职务便利低买高卖房产，借用管理服务对象大额钱款，在分配、购买住房中侵犯国家利益，将应由本人支付的费用由他人支付；违反 生活纪律，对配偶、子女失管失教；将公权力当作谋取私利的工具，大搞权钱交易，利用职务上的便利，为他人在贷款审批、资金募集、职工岗位调整等方 面谋取利益，非法收受巨额财物。 经中国农业银行党委研究，决定给予冯建龙开除党籍 ...

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。 ...

Core Viewpoint - The recent fluctuations in gold prices have prompted major state-owned banks in China to adjust their gold-related business operations and issue risk warnings to clients regarding market volatility [1][2] Group 1: Gold Price Fluctuations - Gold prices experienced a historic surge at the beginning of 2026, reaching levels between $5000 and $5500 per ounce, followed by a significant drop on January 30 and further declines on February 2 [1] - The volatility in gold prices has led to increased market uncertainty, prompting banks to advise clients to assess their risk tolerance carefully [1] Group 2: Bank Responses - Industrial and Commercial Bank of China (ICBC) issued a risk warning on February 1, recommending clients maintain a rational investment mindset and avoid impulsive trading [1] - ICBC announced adjustments to its gold accumulation business and the sales of floating price physical gold products, effective February 7, including limits on transactions during non-trading days [1] - Other major banks, including Agricultural Bank of China and Postal Savings Bank, have also issued notifications regarding adjustments to gold trading operations and changes in margin requirements, urging clients to manage their positions prudently [2]

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].

Core Viewpoint - Recent fluctuations in gold prices have prompted major banks in China to take urgent measures to control risks associated with gold trading [1] Group 1: Bank Responses - Industrial and Commercial Bank of China (ICBC) issued a risk warning on February 1, advising clients to assess their risk tolerance and maintain a rational investment mindset amid significant price volatility [3] - Agricultural Bank of China (ABC) announced an increase in margin requirements for gold trading contracts from 44% to 60% starting January 30, urging clients to manage their positions carefully [5] - Bank of China (BOC) highlighted the uncertainties in the precious metals market and advised clients to control their holdings to mitigate potential losses from price fluctuations [7] - China Construction Bank (CCB) raised the minimum investment amount for its gold accumulation business to 1500 yuan, emphasizing the need for clients to be aware of market risks [9] - Both Bank of Communications and Postal Savings Bank of China also issued trading alerts, with the latter increasing margin requirements for various gold contracts from 80% to 120% [11] Group 2: Market Analysis - The international gold market has experienced significant volatility, with experts warning that investors need to possess adequate risk tolerance due to increased short-term risks [12] - Despite the current fluctuations, the long-term outlook for gold prices remains positive, supported by multiple factors, suggesting that investors should make informed decisions based on their financial situations and risk preferences [12]

二、中国农业银行宁德分行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国 农业银行政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任 的，本批复文件失效，由决定机关办理行政许可注销手续。 三、中国农业银行宁德分行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固 树立风险合规意识，熟悉任职岗位职责，忠实勤勉履职。 2026年1月22日，宁德金融监管分局发布批复称，《中国农业银行（601288）股份有限公司福建省分行 关于兰婷君任职资格核准的请示》（农银闽发〔2025〕80号）及相关说明解释材料已收悉。经审核,现 批复如下： 一、核准兰婷君中国农业银行股份有限公司宁德分行副行长的任职资格。 ...

2026年2月2日，中国农业银行（601288）发布公告称，中国农业银行个性化借记卡订制卡号收费标准 为： 如您有任何疑问，请拨打中国农业银行95599客户服务电话。感谢您长期以来对农行的支持，中国农业 银行将一如既往地致力于为您提供优质、安全、高效的金融服务。 订制6位卡号收费为300元/个。 其中订制4位卡号即日起至2026年3月5日前执行5折优惠（50元/个）。 此外，定制卡普卡新申请工本费为5元/张，挂失换卡、损坏换卡不超过10元/张。 订制4位卡号收费为100元/个， 订制5位卡号收费为200元/个， ...

Market Overview - The precious metals market experienced extreme volatility, with international gold prices plummeting from historical highs, leading to significant impacts on domestic futures, stocks, funds, and consumer markets [1] - On January 30, international gold prices fell sharply, losing over 11% in a single day, while silver prices dropped by 31.37%, marking the worst single-day performance since March 1980 [1] - Weekly performance showed a cumulative decline of 4.71% for gold and 22.50% for silver [1] Price Movements - Domestic gold prices also saw a significant drop, with the Shanghai Gold Exchange spot gold price falling to 1070.01 RMB per gram, a decrease of around 10% [3] - Major brands adjusted their gold jewelry prices from over 1700 RMB per gram to between 1500-1600 RMB per gram [3][4] - For instance, Chow Sang Sang reported a drop in the price of its gold jewelry from 1708 RMB to 1618 RMB per gram within two days [3] Consumer Behavior - Following the price drop, there was a surge in consumer interest in purchasing gold, particularly in Shenzhen's Shui Bei market, where prices fell below 1200 RMB per gram [6] - Many consumers expressed that buying gold now is significantly cheaper compared to previous days [6] Investor Reactions - Investors are increasingly concerned about further declines in precious metal prices, leading many to sell gold and silver items to cash out [10] - Reports indicated that some businesses experienced a rapid decline in gold buyback prices, with a drop from 1142 RMB to 1081 RMB per gram in just one day [10] - The volatility in gold prices has led to a cautious approach among investors, with many hesitating to sell due to fears of missing potential price recoveries [10] Market Supply Dynamics - Some suppliers in Shenzhen's Shui Bei market reported shortages of gold bars, attributing this to the recent price drop and the reluctance of suppliers to sell at lower prices [12] - Suppliers indicated that they are not willing to sell gold bars during such volatile conditions, leading to a decrease in available inventory [12] Banking Sector Adjustments - Several major banks, including ICBC, ABC, and CCB, have adjusted their gold investment services in response to the market volatility, issuing risk warnings to investors [14][16] - ICBC announced changes to its gold accumulation business, including limits on transactions during non-trading days [15] - CCB raised the minimum amount for personal gold accumulation to 1500 RMB, reflecting the increased market risks [16][19]