中国银行提示，客户需做好市场风险防范，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。 北京商报讯（记者 孟凡霞 周义力）2月11日，中国银行发布《关于调整积存金产品按金额购买起点的公 告》，该行将于2026年2月12日起调整积存金产品的购买条件。其中，按金额购买积存金产品或创建积 存定投计划时，最小购买金额由950元调整为1200元，追加购买金额维持200元整数倍不变。已在执行中 的定投计划不受影响；按克重购买积存金产品或创建积存定投计划时，最小购买克重维持为1克不变， 追加克重维持为1克整数倍不变。 ...

2月11日金融一线消息，中国银行今日发布公告称，将于2026年2月12日起调整积存金产品的购买条件，具体调整情 况如下： 1．按金额购买积存金产品或创建积存定投计划时，最小购买金额由950元调整为1200元，追加购买金额维持200元 整数倍不变。已在执行中的定投计划不受影响。 2．按克重购买积存金产品或创建积存定投计划时，最小购买克重维持为1克不变，追加克重维持为1克整数倍不 变。 1．按金额购买积存金产品或创建积存定投计划时，最小购买金额由950元调整为1200元，追加购买金额维持200元 整数倍不变。已在执行中的定投计划不受影响。 2．按克重购买积存金产品或创建积存定投计划时，最小购买克重维持为1克不变，追加克重维持为1克整数倍不 变。 关于调整积存金产品按金额购买起点的公告(2026年2月12日起) 责任编辑：曹睿潼 2月11日金融一线消息，中国银行今日发布公告称，将于2026年2月12日起调整积存金产品的购买条件，具体调整情 况如下： 2026-02-11 分享 打印 尊敬的客户: 根据人民银行《黄金积存业务管理暂行办法》 (银办发[2018]222号) 规定，参考当前市场情况，我行将 于2026年2 ...

中国银行将于2026年2月12日起调整积存金产品的购买条件。按金额购买积存金产品或创建积存定投计 划时，最小购买金额由950元调整为1200元，追加购买金额维持200元整数倍不变。已在执行中的定投计 划不受影响。 ...

Core Viewpoint - The People's Bank of China will adjust the purchasing conditions for gold accumulation products starting from February 12, 2026, in response to current market conditions [1] Group 1: Purchase Conditions Adjustment - The minimum purchase amount for gold accumulation products will increase from 950 yuan to 1200 yuan, while the additional purchase amount will remain unchanged at 200 yuan increments [1] - The minimum purchase weight for gold accumulation products will remain at 1 gram, with additional purchases also maintaining the 1 gram integer multiple [1]

Core Insights - The "Top Ten Opinion Leaders of 2025" list has been announced, highlighting influential figures in the context of China's economic transformation and recovery [1][2][3] - The evaluation process for the opinion leaders considered five dimensions: professionalism, influence, innovation, foresight, and activity level, along with data on output rates and online presence [3] Group 1 - The economic outlook for China in 2025 is positive, with new growth drivers being cultivated and policy collaboration supporting economic recovery [1][2] - Opinion leaders are recognized for their ability to address public concerns, interpret development logic, and convey market confidence [1][2] Group 2 - Wang Yongli, former Vice President of the Bank of China, has been awarded as one of the "Top Ten Opinion Leaders of 2025" [2][4] - Wang Yongli's key viewpoints include the challenges of stablecoins, the importance of innovation in advancing the digital yuan, and analysis of changes in central bank foreign exchange reserves [4]

Core Viewpoint - Bank of China announced adjustments to its personal agency business for the Shanghai Gold Exchange during the 2026 Spring Festival, including changes to margin ratios, price fluctuation limits, and trading hours [2]. Group 1: Trading Adjustments - The trading holiday will commence from February 14, 2026, and will last until February 23, 2026, with normal trading resuming on February 24, 2026. There will be no night trading on February 13, 2026 [2]. - Starting from the close on February 11, 2026, the margin ratio for gold futures contracts on the Shanghai Gold Exchange will increase from 18% to 21%, while Bank of China's margin ratio for gold contracts will rise from 47.52% to 55.44%. The price fluctuation limit will change from 17% to 20% [2]. - For silver futures contracts, the margin ratio will increase from 24% to 27% on the Shanghai Gold Exchange, and Bank of China's margin ratio will rise from 68.88% to 77.49%. The price fluctuation limit will change from 23% to 26% starting February 11, 2026 [2]. Group 2: Market Context and Implications - Recent volatility in domestic and international precious metal prices has heightened market uncertainty, prompting major banks to adjust their gold-related business practices [5]. - The adjustments are partly in response to compliance pressures following the introduction of new gold tax regulations in November 2025, which increased operational complexity and costs for banks in the physical gold business [5]. - Analysts suggest that despite current challenges, there remains significant growth potential in the banking sector's precious metals business, with opportunities to promote lower-risk investment products such as gold accumulation plans and physical gold sales [5].

2月10日，21世纪经济报道记者获悉，中央汇金投资有限责任公司（下称"汇金公司"）资本运营部主任兼职工监事黄学玲目前已到任中行，在走完相关程序 后，有望出任该行副行长。 公开资料显示，黄学玲出生于1977年，拥有经济学硕士学位。其职业经历长期集中于汇金公司体系内，曾历任汇金公司资本市场部高级经理、再保险股权管 理部副主任，综合部/银行二部改革规划处副主任、主任，综合部/银行二部副主任等职，中国出口信用保险公司董事。 据了解，黄学玲与中国银行此前已有工作交集。2023年11月，她曾以中央汇金资本运营部主任的身份，出席中汇人寿与中国银行全面战略合作协议签约仪 式。 | 统一社会信用代码：91110101MA001QTAX2 | 电话：010-84096666 窗 同电话企业 5 更多 3 | | --- | --- | | 法定代表人：黄学玲 | 邮箱：huijinpr@huijin-inv.cn | | 注册资本：500,000万人民币 | 网址： - | | 成立日期：2015-11-06 | 地址：北京市东城区东直门外斜街9号院3号楼1 | 目前，中国银行董事会中已有一名来自汇金公司的非执行董事楼小惠，她于 ...

21世纪经济报道记者冯紫彤 唐婧 股权信息显示，汇金公司是中国银行第一大股东，截至2025年三季度末，持股比例为58.59%；其全资子公司中央汇金资产管理有限责任公司（下称"汇金资 管"）亦持有中国银行0.56%股份。 而据天眼查，黄学玲自2022年6年起任汇金资管法人代表。该公司在2015年股市异常波动期间成立，通过受让中国证券金融股份有限公司部分上市公司股票 并进行专项管理，创新股票资产管理模式，旨在维护证券市场稳定。 2月10日，21世纪经济报道记者获悉，中央汇金投资有限责任公司（下称"汇金公司"）资本运营部主任兼职工监事黄学玲目前已到任中行，在走完相关程序 后，有望出任该行副行长。 | 公司章程(摘要) 董事、监事和高级管理人员 公司组织机构 | | --- | | 董事会成员 监事会成员 高级管理人员 | | 黄学玲(职工监事) 1977年生，经济学硕士。历任中央汇金公司资本市场部高级经理、再保险股权管理部副主任，综合部/银行二部改革规划处副 | | 主任、主任，综合部/银行二部副主任,中国出口信用保险公司董事。现任本公司资本运营部主任,兼职工监事, | 公开资料显示，黄学玲出生于1977年，拥有经 ...

Core Viewpoint - The announcement from the Bank of China regarding adjustments to margin requirements and trading limits for gold and silver futures contracts in response to market conditions ahead of the 2026 Spring Festival [1] Group 1: Trading Adjustments - The trading market will be closed from February 14, 2026, to February 23, 2026, with normal trading resuming on February 24, 2026, and no night trading on February 13, 2026 [1] - The margin requirement for gold futures contracts on the Shanghai Gold Exchange will increase from 18% to 21%, while the Bank of China's margin requirement for gold contracts will rise from 47.52% to 55.44% [1] - The price fluctuation limit for gold futures will be adjusted from 17% to 20% starting February 11, 2026 [1] Group 2: Silver Futures Adjustments - The margin requirement for silver futures contracts on the Shanghai Gold Exchange will increase from 24% to 27%, and the Bank of China's margin requirement for silver contracts will rise from 68.88% to 77.49% [1] - The price fluctuation limit for silver futures will be adjusted from 23% to 26% starting February 11, 2026 [1]

Summary of Key Points Core Viewpoint - The announcement indicates an increase in margin requirements for gold and silver deferred contracts on the Shanghai Gold Exchange, which may impact trading dynamics and investor behavior in the precious metals market [1] Group 1: Gold Contract Adjustments - The margin ratio for gold deferred contracts on the Shanghai Gold Exchange will increase from 18% to 21% starting from the close of trading on February 11, 2026 [1] - The margin ratio for the bank's gold deferred contract customers will rise from 47.52% to 55.44% [1] - The price fluctuation limit for gold contracts will be adjusted from 17% to 20% on the next trading day following the margin change [1] Group 2: Silver Contract Adjustments - The margin ratio for silver deferred contracts on the Shanghai Gold Exchange will increase from 24% to 27% effective February 11, 2026 [1] - The margin ratio for the bank's silver deferred contract customers will increase from 68.88% to 77.49% [1] - The price fluctuation limit for silver contracts will be adjusted from 23% to 26% on the next trading day following the margin change [1]