黄金跌了价，2026年1月13日，国内黄金新价格、人民币黄金新价格

Core Viewpoint - The gold market is experiencing high prices and volatility, with various investment products available, while financial institutions are adjusting their business rules to manage risks associated with gold investments [3][5]. Group 1: Gold Prices and Investment Products - As of January 13, the international spot gold price is reported at $4,566.89 per ounce, while the Shanghai Gold Exchange's Au9999 spot price is at 1,021.8 yuan per gram [1]. - Investment gold products are diverse, with the 2026 Panda commemorative coins priced from 1,398 yuan for 1 gram to 480,000 yuan for 1 kilogram, reflecting their minting costs and collectible value [2]. - Commercial bank gold bars, such as ICBC's "Ruyi Gold" and CCB's "Longding Gold," are priced between 1,019 and 1,065 yuan per gram, slightly above the base gold price [2]. Group 2: Precious Metals Recycling Market - The precious metals recycling market has established a standardized pricing system based on purity, with the reference price for 99.90% pure gold recycling at approximately 1,013 yuan per gram [2]. - The recycling price for investment gold bars is around 1,011 yuan per gram, while 18K gold is valued at about 744 yuan per gram [2]. Group 3: Financial Dynamics and Policy Adjustments - In response to high gold prices and increased volatility, financial institutions are proactively adjusting their business rules. For instance, ICBC raised the minimum amount for its Ruyi Gold accumulation business from 1,000 yuan to 1,100 yuan starting January 8, 2026 [3]. - The risk level for accumulation gold business has been elevated to C3 balanced type and above, requiring clients to complete risk assessments and sign disclosure agreements before new investments [3]. Group 4: Market Outlook Amidst Bullish and Bearish Factors - The gold market is currently in a complex interplay of factors, with a clear long-term support from global central banks continuing to purchase gold, including a 14-month consecutive increase by the People's Bank of China to over 2,305 tons [5]. - The World Gold Council predicts a potential 15% increase in gold prices within the year, while CITIC Securities suggests a year-end target of $5,100 per ounce [5]. - Short-term risks include potential technical corrections after significant price increases in 2025, with market volatility influenced by the dollar index, geopolitical situations, and inflation data [5].