Core Viewpoint - The article discusses the significant volatility in the gold and silver markets, leading banks to increase risk warnings and adjust their risk management measures in response to the sharp price fluctuations [2][3]. Group 1: Market Volatility - On February 2, international gold prices fell to $4,403.64 per ounce, with a maximum daily drop exceeding 9%, while silver prices hit a low of $71.33 per ounce, with a drop close to 15% [2]. - Banks, including Industrial and Agricultural Banks, issued warnings about the increased volatility in the precious metals market, urging clients to assess their risk tolerance and maintain a rational investment approach [2][3]. Group 2: Risk Management Adjustments - Several banks announced adjustments to the margin requirements for gold and silver futures contracts in response to the volatility. For instance, Industrial Bank raised the margin for silver contracts from 60% to 66% on February 2 [4]. - Prior to this, on January 28, Industrial Bank had already increased the margin for various gold contracts from 43% to 60% and for silver contracts from 47% to 60% [4]. - Agricultural Bank also adjusted the price fluctuation limits for silver contracts, increasing the limit from 19% to 25% if a one-sided market condition occurs [5]. Group 3: Client Advisory - Banks emphasized the importance of clients maintaining awareness of market changes and controlling their positions to mitigate risks associated with price fluctuations in precious metals [3][5]. - Postal Savings Bank similarly advised clients to strengthen their risk awareness and rationally allocate investments based on their financial situations and risk tolerance [3].

2月2日，国际黄金和白银价格再跳水，国际现货黄金价格一度下跌10%至4402美元/盎司，创下1月8日以来的新低，3天跌幅一度超过20%，距离1月29日高 点跌幅一度超过1000美元/盎司。国际现货白银价格一度下跌超16%至71.31美元/盎司，3天跌幅一度达40%，今年1月的涨幅几近被抹平。截至发稿，国际 现货金价和现货银价跌幅收窄走出深"V"，分别跌3.09%、5.8%。 | < W | | | 伦敦金现 | | | | | --- | --- | --- | --- | --- | --- | --- | | | | | SPTAUUSDOZ.IDC | | | | | 4743.700 | | 昨空 | 4895.118 | 总量 | | 0 | | -151.418 | -3.09% -- | | 4783.510 | 现手 | | 0 | | 最高价 | 4884.784 | 持 仓 | 0 | 外 盘 | | 0 | | 最低价 | 4402.060 | 壇 仓 | 0 | 内 盘 | | 0 | | 分时 | 五日 | 日K | 園K | 月K | 更多 | (0) | | 鹽加 | | | | ...

面对黄金价格从历史性暴涨到历史性暴跌，银行的风险提示和风控手段调整频率明显提高。 2月2日，黄金白银延续跌势，国际黄金现货价格一度跌至4403.64美元/盎司，日内最大跌幅超过9%；国 际白银现货价格最低触及71.33美元/盎司，日内最大跌幅接近15%。 同日，工商银行再度发布《关于加强防范贵金属市场价格波动风险的提示》称，近期国际贵金属市场波 动率显著增加，引发价格快速变化，风险进—步显现，提醒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。请密切关注市场行情变化，合理控制持仓规模，有效防范市场波动风险。"工商银行 提示称。此前，1月29日，工商银行也曾发布类似风险提示。 农业银行也在2日发布公告称，近期国内外贵金属市场价格波动剧烈，不确定性因素显著增强。特别提 示各位客户审慎评估自身风险承受能力，综合考虑自身财务状况开展贵金属交易业务，保持理性投资心 态。请各位客户密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 此外，工商银行称，若2月2日Ag（T+D）合约出现单边市情况，则自收盘清算时起，该行代 ...

Core Viewpoint - Recent volatility in domestic and international precious metal markets has significantly increased uncertainty, prompting banks to issue warnings and adjust trading parameters to protect investors [1][3][4]. Group 1: Agricultural Bank - Agricultural Bank has issued a warning regarding the severe fluctuations in precious metal prices, urging clients to assess their risk tolerance and financial situation before engaging in trading [1][4]. - The bank announced adjustments to the trading limits for silver contracts under its Gold Market Access service, increasing the price fluctuation limit from 19% to 25% if a one-sided market condition occurs starting February 2, 2026 [1][5]. - Clients are advised to monitor market changes closely and manage their positions effectively to mitigate risks associated with market volatility [1][5]. Group 2: Postal Savings Bank - Postal Savings Bank has also highlighted the increased volatility in precious metal markets, advising clients to enhance their risk awareness and make rational investment decisions [1][5]. - The bank emphasizes the importance of avoiding impulsive trading behaviors and maintaining a balanced portfolio in light of the current market conditions [1][5]. Group 3: China Merchants Bank - China Merchants Bank has announced adjustments to its "Zhaocai Gold" business, increasing the margin requirement for various gold contracts from 60% to 70% due to heightened market volatility [3][7]. - The fluctuation limit for the Ag (T+D) contract will be raised to 25% if a one-sided market condition is observed, while it remains unchanged at 15% if not [3][7]. - These measures are aimed at safeguarding investor interests and mitigating market risks [3][7].

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 ...

| 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601398 工商银行 | | 3.48亿 | 8.76% | -2.01亿 | -5.07% | -1.46 Z | -3.69% | | 601288 农业银行 | | 2.70 Z | 8.08% | -1.40亿 | -4.20% | -1.30亿 | -3.88% | | 601988 中国银行 | | 8769.26万 | 4.78% | -6503.68万 | -3.55% | -2265.58万 | -1.24% | | 601658 邮储银行 | | 7347.87万 | 6.52% | -4189.83万 | -3.72% | -3158.03万 | -2.80% | | 601328 交通银行 | | 5661.11万 | 3.04% | -1477.08万 | -0.79% | -4184.03万 | -2.24% | | 601939 建设银 ...

需要特别提醒的是：本榜单对理财产品"在售"状态的判断基于其投资周期推算。但实际情况中，部分产品可能因额度售罄，或 银行针对不同客户展示的产品清单存在差异而无法购买。因此，建议投资者以代销银行APP的实际展示为准。 为提供有效的选品参考，榜单展示了产品近一月、近三月及近六月的年化业绩，并按照近三月年化收益率进行排序，以此反映 其在近期市场波动中的多维度收益表现。 统计代销机构（28家）：工商银行、中国银行、农业银行、邮储银行（601658）、建设银行、交通银行、招商银行、中信银 行、光大银行、民生银行、兴业银行、浦发银行、广发银行、浙商银行（601916）、华夏银行、平安银行、恒丰银行、渤海银 行、北京银行、宁波银行、江苏银行（600919）、上海银行（601229）、南京银行、杭州银行（600926）、徽商银行、微众银 行、网商银行、百信银行。 本期，课题组重点关注理财公司发行的纯固收产品，从代销渠道为投资者筛选出表现较优的在售产品。 城商行本周 (2/2-2/8) 在 售纯固收产品近3月收益榜单 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名信息仅供参考。 | 2 ...