Sou Hu Cai Jing·2025-10-17 06:43Core Insights - Gold prices have reached new highs, touching $4,380 per ounce on October 17, with an increase of over 40% year-to-date [2] - The rising gold prices have sparked interest among investors, with many considering investing in gold, including some planning to use loans for funding [2] Investment Behavior - Some investors are utilizing consumer loans with interest rates around 3% to invest in gold, while others are leveraging credit card interest-free periods of 20 to 56 days to fund their investments [2] - Additionally, some investors are using online lending platforms like Huabei to finance their gold investments [2] Risk Warnings from Banks - Major banks such as ICBC and CCB have issued warnings regarding the risks associated with precious metal investments due to increased market volatility [3] - ICBC advised investors to be aware of market changes and to enhance their risk awareness, suggesting a diversified approach to gold investments [3] - CCB highlighted the need for clients to manage their positions and margin balances carefully in light of heightened market risks [3] Market Cooling Measures - Several banks have raised the minimum purchase amounts for gold accumulation products to cool down the market [4] - Bank of China announced an increase in the minimum purchase amount for gold accumulation products from 850 yuan to 950 yuan [4] - ICBC raised the minimum investment for its "Ruyi Jin" accumulation product from 850 yuan to 1,000 yuan, while maintaining a minimum of 1 gram for weight-based accumulation [4] - Ningbo Bank also adjusted its minimum purchase amount for gold accumulation from 900 yuan to 1,000 yuan due to significant price fluctuations [4]