工商银行11月3日发布公告称，受宏观政策影响，根据本行风险管理要求，自2025年11月3日起，暂停受理如意金积存业务的开户、主动积存、新增定期积 存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影响。相关业务恢复事宜，请关注后续公告。 同日，建设银行也发布关于暂停受理易存金等业务的公告，受市场波动影响，结合风险审慎管理要求，自2025年11月3日（含）起，暂停受理易存金业务实 时买入、新增定投买入、实物金兑换等申请，存量客户易存金定投计划的执行、赎回以及销户不受影响；暂停个人黄金积存兑换实物贵金属、账户黄金兑 换实物贵金属等申请，其他个人黄金积存业务不受影响。相关业务恢复事宜，敬请关注后续公告。 来源：第一财经 【 热门视频推荐 】 点击在 看 持续关注↓↓↓ ...

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the suspension of its "Ruyi Gold Accumulation" business due to macroeconomic policy impacts and internal risk management requirements, raising concerns about the bank's gold business strategy and macro policy direction [1][3] Summary by Sections Business Adjustment - ICBC has halted the opening of new accounts, active accumulation, new fixed accumulation plans, and applications for physical withdrawals for the Ruyi Gold Accumulation product [1] - Existing customers with valid fixed accumulation plans can still execute their plans and process redemptions and account closures without being affected by this adjustment [3] Product Overview - The Ruyi Gold Accumulation product, launched in 2007, allows individual customers to accumulate gold through a dedicated account, with a low entry threshold of 1 gram of gold [4][5] - Investors can choose between "active accumulation" based on real-time gold prices or "fixed accumulation" with predetermined cycles and amounts [4][5] Market Context - The recent extreme fluctuations in the gold market have likely influenced ICBC's decision to suspend the product. As of November 3, global gold prices have shown a significant rebound, with London spot gold at $4015.5 per ounce and domestic prices at 919.70 yuan per gram [8] - The gold market experienced a dramatic swing in late October, with prices reaching a historical peak of $4300 per ounce on October 17, followed by a sharp decline of 6.3% on October 21, marking the largest single-day drop in over 12 years [8] Regulatory Changes - A new tax policy announced by the Ministry of Finance and the State Administration of Taxation on November 1 has detailed tax rules for gold transactions, tightening tax benefits for non-exchange channels and increasing costs for certain transactions [10][11] - The policy aims to guide gold trading towards regulated, centralized markets, encouraging investors to trade through exchanges while tightening tax benefits for informal transactions [12] Risk Management - ICBC's suspension of the Ruyi Gold Accumulation business can be seen as a proactive measure to manage risks associated with retail investors, who may be more vulnerable to market volatility [12] - The bank's decision reflects a response to both policy direction and the need to safeguard retail investors from potential pressures of concentrated redemptions or physical withdrawals due to extreme price fluctuations [12]

11月3日，工商银行（601398）与建设银行（601939）同日宣布自当日起暂停受理黄金积存相关的新业务。截至记者发稿前，工商银行已经恢复如意金积 存业务申请的受理。 "我行现已恢复受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申请。"工商银行刚刚发布的公告显示，"您可通过我行营业网 点、中国工商银行APP等渠道办理各类如意金积存业务。同时，建议您关注黄金市场波动，提高风险防范意识，守护自身资产安全。" 记者注意到，11月3日早些时候，工商银行发布公告称，受宏观政策影响，根据该行风险管理要求，自2025年11月3日起，暂停受理如意金积存业务的开 户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办理赎回、销户不受影响。不到一天时间，工 行相关业务已恢复正常。 同日，建设银行也发布公告表示，自2025年11月3日（含）起，建行暂停受理易存金业务实时买入、新增定投买入、实物金兑换等申请，存量客户易存金 定投计划的执行、赎回以及销户不受影响；暂停个人黄金积存兑换实物贵金属、账户黄金兑换实物贵金属等申请，其他个人黄金积存业务不受影响。截至 记者发稿前， ...

进入10月以来，已有多家银行对积存金业务进行了调整，主要方式为上调起购金额或采用"随金价浮动"模式。 北京商报记者丨孟凡霞 周义力 年内金价强势冲高又巨震暴跌的激进走势，引得多家商业银行出手进行调整。11月3日，工商银行 （601398）、建设银行相继宣布，自即日起，暂停受理部分积存金业务。究其原因，主要是受宏观政策影响、 市场波动以及银行自身风险管理要求影响。 在此之前，受黄金市场波动加剧的影响，国内多家银行已密集调整贵金属积存业务，同步强化风险提示，从国 有大行到股份制银行，城、农商行均动作频频，引发市场广泛关注。 这两家国有大行最新调整 国际金价高位震荡带动银行积存金业务调整。11月3日，北京商报记者注意到，工商银行官网发布《关于暂停 受理部分如意金积存业务申请的公告》。公告显示，自2025年11月3日起，该行暂停受理如意金积存业务的开 户、主动积存、新增定期积存计划以及提取实物的申请，存量客户处于有效期内的定期积存计划的执行以及办 理赎回、销户不受影响。 针对业务调整原因，北京商报记者致电工商银行客服，对方回应称，"今日接到通知，主要是受宏观政策影 响，依据我行风险管理要求进行此次调整。后续若恢复业务 ...

Core Viewpoint - The new gold tax regulations have led multiple banks to suspend gold accumulation and withdrawal services, indicating a significant shift in the gold investment landscape [1][2][4]. Group 1: Bank Responses - On November 3, major banks such as Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced the suspension of their gold accumulation services, including the "Ruyi Gold Accumulation" and "Easy Storage Gold" products, due to macroeconomic policy impacts and risk management requirements [2][3]. - ICBC clarified that the suspension of the "Ruyi Gold Accumulation" service was not due to a lack of gold inventory, as their branches reported sufficient stock [2][3]. - CCB also suspended real-time purchases and physical gold exchanges for its "Easy Storage Gold" product, while existing plans for current customers remain unaffected [2][3]. Group 2: Market Implications - The new tax regulations, effective from November 1, 2025, will differentiate between investment and non-investment uses of physical gold, impacting how transactions are taxed and potentially reducing speculative trading in physical gold [4][5]. - Analysts suggest that investors may need to seek alternatives such as paper gold or gold ETFs to reduce reliance on physical gold delivery due to the new tax implications and fluctuating gold prices [1][6]. - The market adjustments by banks are seen as a response to both the new tax regulations and the need for enhanced risk management in a volatile market environment [6]. Group 3: Future Outlook - The suspension of gold accumulation services is expected to lead to a reevaluation of pricing for gold products, as banks adjust to the new tax landscape [3][6]. - Existing customers of gold accumulation products are not affected by the new tax regulations, but new customers will need to consider tax implications when engaging in gold accumulation [6].

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the resumption of applications for the "Ruyi Gold Accumulation" business after a temporary suspension due to macroeconomic policy impacts [2][4]. Group 1: Business Operations - ICBC suspended the acceptance of applications for the "Ruyi Gold Accumulation" business starting November 3, 2025, due to macroeconomic policy influences and risk management requirements [4]. - China Construction Bank (CCB) also announced a suspension of its "Easy Storage Gold" business, affecting real-time purchases, new investment plans, and physical gold exchanges, while existing plans remain unaffected [6]. - The Ministry of Finance and the State Administration of Taxation released new tax policies regarding gold, effective from November 1, 2025, which will last until December 31, 2027, exempting certain transactions from value-added tax [7]. Group 2: Market Impact - The new tax policies have led to increased costs for gold procurement and production, prompting companies like Chow Tai Fook Jewelry to adjust prices for certain gold products starting November 3 [8]. - On November 3, A-share gold and jewelry concept stocks experienced declines, with notable drops including Chao Hong Ji hitting the daily limit down, and other companies like Pengxin Resources and Lao Feng Xiang falling over 3% [8][9]. - In the Hong Kong stock market, gold and jewelry stocks also saw significant declines, with Chow Tai Fook dropping 8.67% and Lao Pu Gold falling 7.16% [10]. Group 3: Industry Analysis - According to CITIC Securities research, the new gold tax regulations will have three main impacts: increased costs for non-investment gold jewelry companies due to reduced input tax deductions, advantages for companies selling investment gold, and expected price increases for consumers purchasing gold jewelry [10].

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the resumption of its "Ruyi Gold Accumulation" business application, which had been suspended due to macroeconomic policy impacts [2][4]. Group 1: Business Operations - ICBC suspended the "Ruyi Gold Accumulation" business from November 3, 2025, due to macroeconomic policy influences and risk management requirements, but existing customers' plans remain unaffected [4]. - China Construction Bank (CCB) also announced the suspension of its "Easy Gold" business, including real-time purchases and new investment plans, effective from November 3, 2025, while existing plans will continue [6]. Group 2: Tax Policy Impact - The Ministry of Finance and the State Administration of Taxation released new tax policies regarding gold, effective from November 1, 2025, which will last until December 31, 2027. The policy exempts value-added tax (VAT) for transactions involving standard gold [8]. - Industry insiders indicated that the suspension of business applications is primarily due to adjustments in response to macroeconomic policies, including IT system changes [8]. Group 3: Market Reactions - Following the announcement of the new tax policy, Chow Tai Fook Jewelry reported increased costs for gold procurement and production, leading to price adjustments for some gold products starting November 3 [8]. - On November 3, A-share gold and jewelry stocks experienced declines, with notable drops including Chao Hong Ji at a 10% limit down and other companies like Pengxin Resources and Lao Feng Xiang falling over 3% [8][9]. - In the Hong Kong stock market, gold and jewelry stocks also saw significant declines, with Chow Tai Fook dropping 8.67% and Lao Pu Gold down 7.16% [10].

11月3日，工商银行公告，现已恢复受理如意金积存业务的开户、主动积存、新增定期积存计划以及提取实物的申 请。您可通过我行营业网点、中国工商银行APP等渠道办理各类如意金积存业务。同时，建议您关注黄金市场波动， 提高风险防范意识，守护自身资产安全。 详细内容 杀王恢复受理如意金积存业务申请的 2025年11月3日 注:本信息仅代表专家个人观点仅供参考,据 此投资风险自负。 中国工商银行 2025-11-03 A+ A- 尊敬的客户: 我行现已恢复受理如意金积存业务的开户、主 动积存、新增定期积存计划以及提取实物的申请。 您可通过我行营业网点、中国工商银行APP等渠道 办理各类如意金积存业务。同时,建议您关注黄金 市场波动,提高风险防范意识,守护自身资产安 全。 感谢您对我行贵金属业务的支持! 中国工商银行股份有限公司 此前报道：工行暂停部分黄金积存业务，兴业银行、平安银行、中行等已行动 （声明：文章内容仅供参考，不构成投资建议。投资者据此操作，风险自担。） SFC 编辑 | 金珊 ...

11月3日，工商银行公告，现已恢复受理如意金积存业务的开户、主动积存、新增定期积存计 划以及提取实物的申请。您可通过我行营业网点、中国工商银行APP等渠道办理各类如意金积 存业务。同时，建议您关注黄金市场波动，提高风险防范意识，守护自身资产安全。 21君荐读 SFC 金条突然涨价、下架，黄金税改后零售金价或短期波动 香港证监会将出台虚拟资产两大指引 此前报道： 工行暂停部分黄金积存业务，兴业银行、平安银行、中行等已行动 （声明：文章内容仅供参考，不构成投资建议。投资者据此操作，风险自担。） 出品 | 2 1财经客户端 南财快讯工作室 编辑 | 金珊 ...

Core Viewpoint - Industrial and Commercial Bank of China (ICBC) has announced the resumption of the "Ruyi Gold Accumulation" business application, which had been suspended due to macroeconomic policy impacts [2][4]. Group 1: Business Resumption and Policy Impact - ICBC will resume accepting applications for the "Ruyi Gold Accumulation" business starting November 3, 2023, after a temporary suspension due to risk management requirements [2][4]. - China Construction Bank (CCB) also announced the suspension of its "Easy Gold" business, affecting real-time purchases and physical gold exchanges, while existing plans remain unaffected [5]. - The Ministry of Finance and the State Taxation Administration released new tax policies regarding gold, effective from November 1, 2025, which will impact the taxation of gold transactions [6]. Group 2: Price Adjustments and Market Reactions - Chow Tai Fook Jewelry announced price adjustments for certain gold products starting November 3, 2023, due to increased costs from the new tax policies [8]. - On November 3, 2023, A-share gold jewelry concept stocks experienced declines, with notable drops including Chao Hong Ji at a 10% limit down and others like Pengxin Resources and Lao Feng Xiang falling over 3% [8][9]. - In the Hong Kong stock market, gold jewelry stocks also saw significant declines, with Chow Tai Fook dropping 8.67% and Lao Pu Gold down 7.16% [10]. Group 3: Tax Policy Implications - The new tax regulations are expected to have three main impacts: increased costs for non-investment gold jewelry companies due to reduced input tax deductions, advantages for investment gold sales, and potential price increases for consumers purchasing gold jewelry [10].