国际金价小幅上涨逼近4500美元，工行上调个人积存金风险等级

Group 1 - The core viewpoint of the articles highlights the mixed performance of international precious metal futures, with COMEX gold futures rising by 0.57% to $4487.90 per ounce, while COMEX silver futures fell by 1.19% to $76.69 per ounce. This fluctuation is attributed to the easing signals from U.S. fiscal and monetary policies, alongside rising geopolitical risks and economic data that have heightened risk-averse sentiment, thereby increasing the asset allocation value of gold and other precious metals [1][4] - Analysts note that gold has experienced historic price increases in recent years, repeatedly setting price records, which has drawn investor attention as they seek stability amid persistent inflation concerns, changing interest rate expectations, and global uncertainties. In contrast, silver prices are also rising, but for different reasons, with factors extending beyond mere risk aversion [1][4] Group 2 - For investors considering adding gold or silver to their portfolios in January, the choice between the two metals is not solely based on their recent performance. Gold is favored for its stability and long-standing role as a defensive asset during uncertain times, while silver offers more volatility, industrial influence, and potential for higher returns, albeit with greater risks [4] - Recent reports indicate a sustained interest in gold investments domestically, with banks focusing on gold accumulation. Starting January 12, the Industrial and Commercial Bank of China will raise the risk admission level for personal gold accumulation business to C3 (balanced type) and above. Previously, several banks have adjusted their rating admission thresholds, meaning that low-risk investors who do not meet the threshold will be unable to engage in related business [4]