多家银行清理“休眠账户”

Core Viewpoint - The adjustment by Industrial and Commercial Bank of China (ICBC) to close "three-no" customer gold trading functions reflects a tightening trend in the gold trading business among major banks due to market risk volatility, tax compliance pressures, and changes in investor demand structure [1][2]. Group 1: ICBC's Adjustments - ICBC announced the closure of gold trading functions for customers with no positions, no inventory, and no debts but still holding funds in their accounts, effective December 19 [1]. - Customers are required to withdraw their funds, and the bank will terminate related business agreements, while existing positions will not be affected [1]. - This move aims to enhance account management efficiency and reduce the risk of idle customer funds, aligning with regulatory requirements for fund safety and transparency [2]. Group 2: Industry-Wide Trends - Other banks, including Everbright Bank, China Construction Bank, and Postal Savings Bank, have also taken similar actions to tighten personal gold trading services [2]. - Postal Savings Bank announced the cessation of related services, requiring customers to close positions by October 31, while Citic Bank and Ningbo Bank have also initiated account clean-ups for inactive customers [2]. - The tightening of these services is attributed to the high risk and volatility in the gold market, as well as the low entry barriers for leveraged products, making it difficult for banks to verify customer investment capabilities [2]. Group 3: Brand Gold Sales Exit - Following the implementation of new gold tax regulations, Hengfeng Bank announced it will cease brand gold sales starting December 22, marking the first bank to exit this business since the new policy [3]. - The new tax regulations have increased operational complexity and risk for banks, prompting some to withdraw from brand gold sales due to compliance pressures [3]. - Despite significant price increases in precious metals this year, the volatility has led to a decline in brand gold sales, with expectations that more banks may follow suit in exiting this market segment [3].