金价暴涨黄金存款收益率可达3.2%，有银行一度售罄

Core Viewpoint - Gold has regained market attention, with prices reaching new highs and structural deposit products linked to gold becoming popular investment choices [1][7]. Group 1: Gold Price Performance - As of January 22, 2026, COMEX gold prices reached $4,827 per ounce, marking an increase of over 11% within the first 22 days of the year [1]. - Institutions remain optimistic about gold's long-term prospects, with predictions of price increases between 10% to 35% by 2026, and forecasts from Morgan Stanley and UBS suggesting potential prices of $5,000 to $6,000 per ounce [7][8]. Group 2: Structural Deposit Products - Structural deposit products linked to gold have seen increased demand, with several listed companies and banks reporting high subscription rates [1]. - These products typically offer a combination of low-risk assets and financial derivatives, aiming for higher returns, although current yields are generally low, with most products offering annualized rates below 2% [1][6]. Group 3: Product Examples and Conditions - For example, a product from Bank of Communications offers a yield range of 0.5% to 3.2%, contingent on gold price movements, with specific conditions for achieving higher returns [2]. - Another product from Industrial Bank has a minimum yield of 1%, providing a safety net for investors despite market fluctuations [3]. Group 4: Investment Considerations - Investors are advised to consider the conditions for achieving maximum yields and the implications of minimum yields when selecting structural deposits [6]. - The safety of principal is a key advantage of structural deposits compared to non-principal protected products, with a significant percentage of linked products experiencing early termination [6].