Xin Lang Cai Jing·2026-01-06 05:10Core Viewpoint - Industrial and Commercial Bank of China (ICBC) is adjusting the risk assessment requirements for personal clients' accumulation gold business to enhance the protection of individual investors' rights due to recent market instability factors [1][2]. Summary by Relevant Sections - Risk Assessment Adjustment: Starting from January 12, 2026, personal clients wishing to open accounts, actively accumulate, or initiate new investment plans in the accumulation gold business must complete a risk assessment questionnaire through ICBC's branches, online banking, or the ICBC app, achieving a C3-balanced level or above [1][2]. - Exemptions for Existing Clients: Clients who already have a valid risk assessment result do not need to retake the assessment. Additionally, those who have signed a risk disclosure statement do not need to sign again [1][2]. - Operational Flexibility for Existing Accounts: Existing clients with accumulation gold accounts can redeem, exchange, execute, modify, or terminate their investment plans, and close their accounts without being subject to the new assessment requirements [1][2].