专家：投资者应根据资金情况和风险偏好理性参与黄金投资

Core Viewpoint - The continuous rise in international gold prices has prompted several banks to adjust their precious metals business to address market volatility and risk control needs [1] Group 1: Bank Adjustments - China Construction Bank and China Merchants Bank have made adjustments to their related businesses in response to the changing market conditions [1] - Some banks have raised the risk levels of gold investment products and optimized risk assessments [1] Group 2: Investor Guidance - Liang Yonghui, Deputy Secretary-General of the China Nonferrous Metals Industry Association Gold and Silver Branch, advises investors to participate in gold investments rationally based on their financial situation and risk tolerance [1] - Conservative or cautious investors are recommended to exit precious metal trading and opt for low-risk products [1] - For steady and above-risk investors, the amount invested in precious metals should not exceed 10%-15% of their household investable assets [1] Group 3: Product Selection - Investors should choose products based on the duration of their funds; short-term funds should avoid leveraged deferred contracts, while long-term idle funds can allocate a small amount to gold accumulation and physical gold [1]