保管箱“一箱难求” 银行高含“金”量业务持续火爆

Core Viewpoint - The surge in gold prices has led to increased demand for gold-related financial products, including structured deposits and physical gold, reflecting a growing interest in gold investments among consumers [1][2][6]. Group 1: Gold Price Movement - On January 21, international gold prices reached a historic high, with COMEX gold surpassing $4,800 per ounce, peaking at $4,891.1 per ounce, and closing at $4,836.2 per ounce [1]. - As of January 22, gold prices experienced a slight pullback but remained above $4,830 per ounce [1]. Group 2: Structured Deposits - Several major banks have launched gold-linked structured deposit products, which have gained significant attention due to rising gold prices [2]. - For instance, China Merchants Bank's "Point Gold" series offers structured deposits linked to gold, with terms ranging from 7 days to 267 days and minimum investment amounts between 10,000 to 300,000 yuan, with expected annualized rates between 1% and 1.78% [2][3]. Group 3: Physical Gold and Accumulation Products - The popularity of physical gold and accumulation products continues to rise, with banks introducing various themed gold products for the upcoming Spring Festival [4][5]. - Banks are competing aggressively for customers in the accumulation gold market, offering incentives such as rebates and reduced transaction fees [5]. Group 4: Expanding Investor Base - The demand for gold-linked products indicates an expanding investor base, driven by factors such as risk aversion and inflation hedging [6]. - Different demographics are gravitating towards various gold investment products, showcasing the market's diversification [6]. Group 5: Future Price Predictions - Goldman Sachs has raised its gold price forecast for December 2026 to $5,400 per ounce, citing factors such as increased central bank gold purchases and a potential decrease in U.S. interest rates [7]. - The forecast suggests a 17% increase in gold prices by the end of 2026 compared to the average price in January [7].