黄金价格波动加大 多家银行调整积存金门槛从固定到浮动
2 1 Shi Ji Jing Ji Bao Dao·2025-10-30 09:29

Core Viewpoint - The article discusses the significant fluctuations in gold prices, prompting several banks to adjust their gold accumulation investment thresholds from fixed to floating mechanisms to better align with market dynamics [2][3]. Group 1: Market Dynamics - Gold prices have entered a high-frequency oscillation phase, with a maximum fluctuation of nearly $500 per ounce, ranging from a high of $4381.11 to a low of $3886.3 within a short period [2]. - The shift to a floating mechanism allows investors to set accumulation amounts that are at least equal to the current gold price, providing more flexibility in investment decisions [3][4]. Group 2: Bank Adjustments - Several banks, including the Bank of Communications and Agricultural Bank of China, have implemented floating pricing mechanisms for gold accumulation plans, allowing for adjustments based on real-time gold prices [3][4]. - Other banks, such as Ping An Bank and Industrial and Commercial Bank of China, have raised their minimum investment amounts for gold accumulation products, reflecting the increased volatility in gold prices [5][6]. Group 3: Global Gold Demand - The World Gold Council reported that global gold demand reached a record high of 1313 tons in Q3 2024, a 5% year-on-year increase, with total demand exceeding $100 billion for the first time [7]. - Investment demand surged over 100% year-on-year to 364 tons, driven by increased interest in gold ETFs, while gold bar and coin demand decreased by 9% [7][8]. - Central bank gold purchases remained strong at 186 tons, maintaining the total for the year at 694 tons, consistent with the previous year [7][9]. Group 4: Supply and Market Outlook - Global gold supply increased by 5%, with mine production rising by 6% to 989.8 tons and recycled gold up by 11% to 323 tons [9]. - The outlook for the gold market remains optimistic due to factors such as a weakening dollar, expectations of interest rate cuts, and persistent stagflation risks, which may further support gold investment demand [9].