3 6 Ke·2025-12-23 09:48Core Viewpoint - International gold prices have reached new historical highs, with London spot gold nearing $4500 per ounce, impacting domestic gold prices in China and leading to changes in product offerings by banks [1][5]. Group 1: Gold Price Trends - On December 23, London spot gold hit $4497.754 per ounce, marking a new record high [1]. - Shanghai Gold Exchange's spot gold price reached 1014 yuan per gram, while the main futures contract on the Shanghai Futures Exchange peaked at 1018 yuan per gram, both setting new highs [1]. Group 2: Bank Product Adjustments - Both Minsheng Bank and Zheshang Bank have removed the 10-gram gold bar option from their platforms, limiting users to purchasing a maximum of 8-gram gold bars due to rising gold prices exceeding 10,000 yuan per piece [1][7]. - The price for 8-gram gold bars was reported at 8175.68 yuan for Zheshang Bank and 8197.20 yuan for Minsheng Bank [5]. Group 3: Account Limitations and Regulations - Users must bind an I-class bank card to purchase physical gold bars, with a daily limit of 10,000 yuan and an annual limit of 200,000 yuan for II-class electronic accounts [7][8]. - To purchase physical gold bars, users can apply for an I-class savings account, which is also subject to limits based on customer profiles [8]. Group 4: Market Risks - Zheshang Bank has issued a risk warning regarding the volatility of gold prices, indicating that market uncertainties could affect transaction success rates for gold accumulation products [8].