每经AI快讯，2月2日，中国银行发布关于代理个人上金所业务调整白银延期合约业务参数的公告。若 2026年2月2日（星期一）白银延期合约出现单边市情况，则自收盘清算时起，上金所白银延期合约保证 金比例从20%调整为26%，我行白银延期合约客户保证金比例由50.80%调整为66.04%，上金所下一交易 日（2月2日20:00）起涨跌幅度限制从19%调整为25%。若未出现单边市情况，则白银延期合约保证金水 平和涨跌幅度限制维持不变。 ...

来源：金融人事mini 近日，中国银行召开2026年党建和经营管理工作会议，强调要正确把握关键问题，接续打造强大的金融 机构，扎实推动集团高质量发展。 在加码服务实体经济、扩大全球化优势的同时，中行还将风险防控和化解摆在重要位置。突出抓好信用 风险集中度管控，前瞻做好趋势性风险管控，扎实防控科技运营风险，全面防范业务结构不平衡风险。 本期，继续介绍中行中层人事调整，涉及总行多部门，其中，子公司中银资产、中银投资、中银金租有 三位高管回归中行总行。 总行内控与法律合规部副总经理郭明霞，主持该部门工作；曾任中行内控法律部处长，2016年4月起任 湖南省分行总稽核、总审计师。 中行原总行内控与法律合规部总经理王寒冰，已调任浙江省分行党委书记。值得注意的是，在《金融机 构合规管理办法》一年的过渡期即将结束的背景下，年内银行业配备首席合规官职位提速，大多由高管 兼任。不过，目前国有大行的首席合规官还未有人选释出。 上海市分行长三角金融研究院院长张兴荣，任总行研究院副院长；曾任中国银行国际金融研究所银行业 研究团队主管、总行研究院资深研究员。 2019年，中行以原国际金融研究所为主体，整合全行研究资源，组建了中行研究院， ...

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 ...

Core Insights - The report focuses on the performance of pure fixed-income products issued by wealth management companies, highlighting the best-performing products available for sale through various distribution channels [1][4] Group 1: Product Performance - The ranking of products is based on their annualized returns over the past month, three months, and six months, with a particular emphasis on the three-month annualized yield to reflect their performance amid recent market fluctuations [1] - A total of 28 distribution institutions are involved, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1] Group 2: Product Availability - The list of products is categorized as "available for sale," but actual availability may vary due to factors such as sold-out quotas or differences in product listings shown to different customers by banks [1] - Investors are advised to refer to the actual displays on the distribution bank's app for the most accurate information regarding product availability [1] Group 3: Data Source - The data presented in the report is sourced from the Nanfang Financial Terminal and Nanfang Wealth Management, with statistics as of January 30 [3][5]

Group 1 - The core viewpoint of the article highlights a significant drop in spot gold prices, which fell over 8% to below $4,470 per ounce, with the Shanghai gold futures contract hitting a limit down of 16% [1] - The sharp fluctuations in precious metal prices are attributed to profit-taking from previous high gains and changes in policy expectations following the nomination of Kevin Walsh as the new Federal Reserve Chairman by Trump [1] - Despite the recent volatility, the long-term trend of global central banks purchasing gold remains unchanged, indicating that the price support for gold is still upward [1] Group 2 - Major state-owned banks in China have adjusted their gold-related business operations and issued risk warnings, with ICBC modifying the processing time and limits for its gold accumulation business [1] - Agricultural Bank of China has raised the margin requirement for gold deferred contracts to 60% and added risk assessment criteria for its gold storage services [1] - Other banks, including Bank of China and China Construction Bank, have also advised investors to pay attention to market fluctuations and manage their positions carefully to avoid impulsive trading [1]

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 - 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].

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。 ...