最高年化4.5%，挂钩黄金的结构性存款成新宠

Group 1 - The core viewpoint of the articles highlights the rising trend of structured deposits linked to gold as banks respond to increasing demand for gold investments amid rising international gold prices and heightened risk aversion [1][2][3] - Several banks, both domestic and foreign, have launched gold-linked structured deposit products with varying terms and investment thresholds, indicating a shift in investment strategies towards gold [2][4] - The risk management for precious metals business has tightened, with banks raising the risk assessment levels for individual gold accumulation products, reflecting a reassessment of the risk characteristics associated with gold investments [4][5] Group 2 - The structured deposits linked to gold offer a "capital protection + linkage" mechanism, providing investors with a balance of safety and potential higher returns, while also emphasizing the importance of understanding the product's terms [3][6] - The investment thresholds for gold accumulation products have been raised across multiple banks, ensuring that the risk levels of financial products align with the risk tolerance of investors [5][6] - The outlook for the gold market remains uncertain, influenced by geopolitical risks, economic recovery, and central bank behaviors, which are expected to support gold prices in the medium to long term [6][7]