Core Viewpoint - The recent volatility in gold prices has led to significant declines in sales at gold stores, with daily sales dropping from 210,000 to 30,000 [1] Group 1: Market Conditions - The domestic and international precious metals markets are experiencing severe price fluctuations and increased uncertainty [1] - Postal Savings Bank has issued a warning to clients to closely monitor precious metal market changes and control their holdings [1] Group 2: Investment Recommendations - Clients are advised to enhance their risk awareness and make rational investment decisions based on their financial situation and risk tolerance [1] - The bank emphasizes the importance of reasonable asset allocation and avoiding impulsive trading behaviors such as chasing highs and selling lows [1]

北京商报讯(记者孟凡霞周义力)2月2日，邮储银行（601658）发布提示，近期国内外贵金属市场价格波 动剧烈，不确定因素显著增多。为保护黄金积存、实物贵金属业务客户利益，该行特别提示相关客户， 请加强风险防范意识，在审慎评估自身财务状况及风险承受能力的基础上，理性投资、合理配置、避免 追涨杀跌，密切关注贵金属行情变化，控制持仓规模，防范贵金属价格波动带来的资金损失。 ...

在福建福州，邮储人早就开启"行走的银行"模式啦！水果摊前称两斤砂糖橘，蔬菜堆里聊两句行情，干 货店里帮打包年货……别误会，他们可不是在摸鱼采购，而是在干一件超酷的事——把银行服务"打 包"成新年年货，直接送货上门！ 早上八点，福州海峡副食品批发市场已进入"年货战斗模式"。满载海鲜、菌菇等干货的货车在市场通道 中穿梭往来，一件件货品从这里发往全市各大商超和市场，空气里满是节前的忙碌与期盼。 邮储银行福州闽侯马腾支行的小伙伴们穿梭在人群中，从2011年起支行便扎根于此，这个市场他们已经 逛了15年，市场里大半的摊主，他们都能脱口喊出名字。 今天，小编就跟上他们的脚步，解锁一份特殊的"逛市场指南"。 08:30 第一站 干货市场里的"码"上服务 "叮咚！微信收款986元。" 邮储银行的伙伴们每周都会来市场"打卡"两三回，商户们埋头做生意，他们就主动把减费让利的好政 策"塞"进他们的年货筐里。毕竟，对流水大、利润薄的批发行业来说，省下一分手续费，就是多挣一分 实在钱！ 14:10 第二站 蔬菜摊旁的"资金管家" 午后，转场海峡蔬菜批发市场。青椒还沾着露水，莴笋带着泥，三轮车在窄道里灵活穿行——这里的节 奏，就像农户们 ...

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 ...

Core Viewpoint - Recent volatility in precious metal prices has prompted major banks, including China Merchants Bank and Postal Savings Bank of China, to issue risk warnings and adjust their trading policies to protect investors [1][2]. Group 1: China Merchants Bank Actions - China Merchants Bank announced adjustments to its "Zhaocai Gold" business due to increased volatility in domestic and international precious metal prices [1]. - Starting from February 2, 2026, the margin ratio for various gold contracts, including Au(T+D) and Ag(T+D), will be increased from 60% to 70%, while the price fluctuation limit remains unchanged at 15% [1]. - For the Ag(T+D) contract, if a one-sided market occurs, the fluctuation limit will increase from 19% to 25% starting the next trading day after the margin adjustment [1]. Group 2: Postal Savings Bank Advisory - Postal Savings Bank issued a warning regarding the significant fluctuations in precious metal prices, urging clients to enhance their risk awareness [2][3]. - The bank advised clients to assess their financial situation and risk tolerance carefully, recommending rational investment strategies and careful position management to mitigate potential losses from price volatility [2][3].

2月2日金融一线消息，邮储银行今日发布《关于做好贵金属价格波动风险防范的提示》称，近期国内外 贵金属市场价格波动剧烈，不确定因素显著增多。为保护黄金积存、实物贵金属业务客户利益，邮储银 行特别提示相关客户，请加强风险防范意识，在审慎评估自身财务状况及风险承受能力的基础上，理性 投资、合理配置、避免追涨杀跌，密切关注贵金属行情变化，控制持仓规模，防范贵金属价格波动带来 的资金损失。 2月2日金融一线消息，邮储银行今日发布《关于做好贵金属价格波动风险防范的提示》称，近期国内外 贵金属市场价格波动剧烈，不确定因素显著增多。为保护黄金积存、实物贵金属业务客户利益，邮储银 行特别提示相关客户，请加强风险防范意识，在审慎评估自身财务状况及风险承受能力的基础上，理性 投资、合理配置、避免追涨杀跌，密切关注贵金属行情变化，控制持仓规模，防范贵金属价格波动带来 的资金损失。 责任编辑：曹睿潼 责任编辑：曹睿潼 ...

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 - Postal Savings Bank of China issued a warning regarding the recent volatility in precious metal prices, emphasizing the need for clients to enhance risk awareness and make informed investment decisions [1] Group 1: Market Conditions - Recent fluctuations in domestic and international precious metal markets have been significant, with increased uncertainty factors [1] - The bank highlights the importance of closely monitoring precious metal market trends to mitigate potential financial losses [1] Group 2: Client Advisory - Clients are advised to assess their financial situation and risk tolerance before making investment decisions [1] - The bank encourages rational investment strategies, including reasonable asset allocation and avoiding impulsive trading behaviors such as chasing price spikes [1] - Clients are urged to control their positions to prevent losses from price volatility in precious metals [1]

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].