Cai Jing Wang·2026-01-06 09:58Core 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 amid recent market instability [1]. Group 1: Policy Changes - Starting from January 12, 2026, personal clients wishing to engage in accumulation gold business must undergo a risk assessment through ICBC's designated channels and achieve a C3-balanced or higher rating [1]. - Clients who already possess a valid risk assessment result do not need to retake the assessment [1]. - Clients must sign a risk disclosure statement for the accumulation gold business, although those who have already signed do not need to re-sign [1]. Group 2: Existing Clients - Existing clients with accumulation gold accounts can perform redemption, exchange, and manage their investment plans without being subject to the new assessment requirements [1]. - The bank encourages clients to enhance their risk awareness and make rational decisions based on their financial status and risk tolerance [1].