Core Viewpoint - Recent fluctuations in gold prices have led multiple banks, including ICBC, ABC, BOC, CCB, and BOCOM, to adjust their gold accumulation services and issue risk warnings to investors [1][5][13][15]. Group 1: ICBC Adjustments - ICBC announced adjustments to its gold accumulation business, advising investors to assess their risk tolerance and maintain a rational investment mindset amid significant market uncertainty [1]. - Starting February 7, ICBC will implement limit management on its gold accumulation services during non-trading days, including weekends and public holidays [2]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8 [4]. Group 2: CCB Adjustments - CCB increased the minimum investment amount for its gold accumulation services to 1,500 yuan effective February 2 [5]. - CCB emphasized the heightened market risks due to increased volatility in precious metal prices and urged customers to enhance their risk awareness [7]. Group 3: BOCOM Adjustments - BOCOM announced that only clients with a risk tolerance assessment result of growth, aggressive, or high-risk can engage in all gold wallet services starting January 31 [8]. - Clients with conservative or balanced risk assessments are limited to specific transactions, such as real-time selling and redeeming physical gold [9]. Group 4: ABC Adjustments - ABC stated that from January 30, personal clients must complete a risk assessment and achieve at least a cautious rating to engage in gold accumulation services [13]. Group 5: BOC Risk Warning - BOC highlighted the uncertainties in the precious metals market since 2026 and advised clients to manage their gold holdings carefully to mitigate potential financial losses from price fluctuations [15].

中经记者 张漫游 北京报道 近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行六家国有大行陆续召开2026年 党建和经营（管理）工作会议，对2026年重点任务进行部署。 《中国经营报》记者梳理发现，2026年，4家国有银行明确要布局数智化发展，在2025年仅一家国有银 行提到数智化；同时2026年多家银行提出降本增效。 业内人士认为，这一变化折射出在经济增长模式深化调整、利率市场化持续推进、客户行为深度线上化 以及金融科技深刻演进的宏观背景下，中国银行业正从规模扩张驱动转向质量与效率驱动，科技与智能 正从辅助工具演变为重塑业务模式与核心竞争力的重要抓手。 从"数字化"到"数智化" 在2026年的重点工作部署中，数智化转型成为多家国有大行的核心发力点。其中，工商银行在"提升高 质量发展能级，展现服务现代化新担当"时提到，要"升级打造数智工行，增强数智化动能"；建设银行 方面谈到，2026年要"加快推动集团数智化转型，持续提升企业级运营能力"；交通银行方面强调"要深 入推进'人工智能+'行动，强化数智化思维、深化实践运用，通过AI技术重构业务流程、创新服务模 式"；邮储银行方面指出，要"全面推进特色 ...

多家银行发文提示风险。 2月1日，工商银行通过"工银金行家"公众号发布关于进一步做好贵金属市场风险防范的提示。 工商银行称，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。建议从中长期视角考虑，坚持分批分散、适度均衡的原则进行投 资配置。请密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 此前，工商银行还分别在1月29日及30日发布风险提示称，国际市场复杂多变，贵金属价格波动剧烈，建议投资者理 性投资。 当地时间1月30日， 贵金属市场全线暴跌。现货白银、COMEX白银跌超25%，铂金、钯金期现均跌超 10%，黄金现货跌超9%，COMEX黄金跌超8%。此外，有色金属亦普遍下跌，LME锡跌超8%，LME 铜、LME镍跌超4%。 更早前，1月30日，建设银行发布公告称，自2月2日9:10起，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。该行后续将持续关注黄金市场变动情况，适时对上述起点金额进行调整。 建设银行还表示，近期国内外贵金属价格波动加剧，市场风险提升。请客户增强贵金属业务的风险 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has issued a warning regarding the heightened volatility and uncertainty in the precious metals market, advising investors to adopt a cautious and rational investment approach [1] Group 1: Market Conditions - Recent fluctuations in domestic and international precious metal prices have been significant, leading to increased market uncertainty [1] - Investors are encouraged to assess their risk tolerance carefully before making investment decisions [1] Group 2: Investment Recommendations - The bank suggests maintaining a rational investment mindset to avoid impulsive trading behaviors such as chasing price increases or selling off during declines [1] - A mid to long-term perspective is recommended for investment strategies, emphasizing a principle of gradual diversification and balanced allocation [1] - Investors should closely monitor market trends and manage their positions effectively to mitigate risks associated with market volatility [1]

国内外贵金属价格剧烈波动，2月1日，工商银行再次紧急发布风险提示。 提示中，工商银行建议投资者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。建议从中长期视角考虑， 坚持分批分散、适度均衡的原则进行投资配置。请投资者密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 交通银行公告显示，自1月31日起，客户办理相关业务也有了风险评测要求。 近期多家银行还通过投资起点调整、交易限额调整等手段，进一步提醒投资者注意风险。 建设银行1月30日宣布，2月2日起个人黄金积存定期积存起点上调至1500元，覆盖日均积存及自选日积存，成为首家将参与门槛提至1500 元的国有大行。 今年1月份，就在贵金属价格出现剧烈波动前后，已有三家国有大行要求客户在办理相关业务时需增加风险评测。 1月12日，工商银行要求办理开户、主动积存或新增定投计划的个人客户，需完成风险承受能力评估、取得C3-平衡型及以上的评估结果并 签署风险揭示书方可办理。 农业银行公告自1月30日起，对个人客户参与存金通黄金积存交易时，需取得谨慎型及以上评估结果。 男子用SIM卡炼出191克黄金，价值21万元？当事人最新回应 招商银行、 ...

国内外贵金属价格剧烈波动，今天（2月1日），工商银行再次紧急发布风险提示。 提示中，工商银行建议投资者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。建议从中长期视角考虑，坚 持分批分散、适度均衡的原则进行投资配置。请投资者密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 农业银行公告自1月30日起，对个人客户参与存金通黄金积存交易时，需取得谨慎型及以上评估结果。 今年1月份，就在贵金属价格出现剧烈波动前后，已有三家国有大行要求客户在办理相关业务时需增加风险评测。 1月12日，工商银行要求办理开户、主动积存或新增定投计划的个人客户，需完成风险承受能力评估、取得C3-平衡型及以上的评估结果并签 署风险揭示书方可办理。 交通银行公告显示，自1月31日起，客户办理相关业务也有了风险评测要求。 近期多家银行还通过投资起点调整、交易限额调整等手段，进一步提醒投资者注意风险。 建设银行1月30日宣布，2月2日起个人黄金积存定期积存起点上调至1500元，覆盖日均积存及自选日积存，成为首家将参与门槛提至1500元 的国有大行。 招商银行、平安银行均自2月2日起调整门槛。其中，招行黄金账户活期 ...

Core Viewpoint - Several major banks in China, including ICBC, ABC, CCB, and BOC, 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][13]. Group 1: ICBC Adjustments - ICBC announced adjustments to its gold accumulation business, advising investors to assess their risk tolerance and maintain a rational investment mindset to avoid impulsive trading [2]. - Starting February 7, ICBC will implement limit management on its gold accumulation business during non-trading days, including daily limits on accumulation and redemption [3]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8 [4]. Group 2: CCB Adjustments - CCB increased the minimum investment amount for its gold accumulation business to 1,500 yuan starting February 2, 9:10 AM, and will continue to monitor market changes for further adjustments [5]. - CCB emphasized the need for clients to enhance their risk awareness regarding precious metals investments and to manage their positions carefully [7]. Group 3: Other Banks' Adjustments - From January 31, Bank of Communications will restrict gold wallet services to clients with a risk tolerance assessment of growth, aggressive, or very aggressive types, while others can only perform limited transactions [8]. - Agricultural Bank of China requires clients to complete a risk assessment questionnaire and achieve at least a cautious rating to engage in gold accumulation services starting January 30 [12]. - Bank of China highlighted the uncertainties in the precious metals market since 2026 and urged clients to manage their positions carefully to mitigate potential losses from price fluctuations [13].

Group 1 - The core viewpoint of the article is that the Industrial and Commercial Bank of China (ICBC) has issued a warning regarding the heightened volatility and uncertainty in the precious metals market, advising investors to adopt a cautious approach [2] - ICBC recommends that investors assess their risk tolerance carefully and maintain a rational investment mindset to avoid impulsive trading behaviors [2] - The bank suggests a long-term perspective for investments, advocating for a strategy of gradual diversification and balanced allocation [2] Group 2 - Investors are advised to closely monitor market trends and manage their positions effectively to mitigate risks associated with market fluctuations [2]

责编： 刘珺宇 校对： 许欣 百万用户都在看 AI，突传重磅！四大巨头，同时出手！ 盘中暴涨25%！芯片巨头，释放重磅信号! 深夜"血洗"！白银，史诗级暴跌！黄金，40年最大跌幅！ 事关中美经贸磋商！刚刚，商务部发声！ 尾盘异动！A股，三大信号"闪现" 违法和不良信息举报电话：0755-83514034 邮箱：bwb@stcn.com 2月1日， 中国工商银行股份有限公司发布" 关于进一步做好贵金属市场风险防范的提示"。 工行表示，近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议您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。建议从中长期视角考虑，坚持分批分散、适度均衡的原则进 行投资配置。请密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 来源："工银金行家"微信公众号 看券商中国 知天下财经 券中社 12 券商中国 Ｘ 券中社 扫码下载 券 中 社 A P P 扫码关注券商中国公众号 quanshangcn qzs.stcn.com 群 券中社APP 券 商 中 国 是 证 券 市 场 权 威 媒 体 《 证 券 时 报 》 旗 下 新 媒 体 , 券 商 中 ...

2026.02. 01 2月1日， 中国工商银行股份有限公司发布" 关于进一步做好贵金属市场风险防范的提示"。 工行表示，近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议您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。建议从中长期视角考虑，坚持分批分散、 适度均衡的原则进行投资配置。请密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 图源｜ "工银金行家"微信公众号 微信编辑 | 雨林 第 一 财 经 持 续 追 踪 财 经 热 点 。 若 您 掌 握 公 司 动 态 、 行 业 趋 势 、 金 融 事 件 等 有 价 值 的 线 索 ， 欢 迎 提 供 。 专 用 邮 箱 ： bianjibu@yicai.com （注：我们会对线索进行核实。您的隐私将严格保密。） 推荐阅读 飞天茅台价格全线上涨 ...