Sou Hu Cai Jing·2026-01-28 02:46Core Viewpoint - The demand for gold-linked structured deposits is surging among banks and companies in China, driven by rising international gold prices, with many products selling out quickly [1][6]. Group 1: Bank Offerings - Multiple banks, including China Construction Bank, China Merchants Bank, and others, have launched gold-linked structured deposit products, with some experiencing high sales rates [1][6]. - The typical investment threshold for these products is around 10,000 yuan, with some popular offerings starting at 50,000 yuan, and most have a maturity of less than one year [6]. - Expected annualized returns for these products generally range from 1% to 4%, with some banks offering higher rates for foreign bank products [6][7]. Group 2: Company Participation - Numerous listed companies have begun investing in gold-linked structured deposits, with a total subscription amount reaching 1.728 billion yuan, significantly higher than the same period last year [8]. - For instance, Sujiao Technology announced a purchase of 90 million yuan in structured deposits linked to gold prices, with a maturity of 364 days and an expected annualized return of 0.30% to 2.35% [8]. Group 3: Market Analysis - Analysts suggest that the surge in gold-linked structured deposits is a response to increasing investor interest in gold as a safe-haven asset amid rising geopolitical uncertainties and economic fluctuations [9]. - The expectation is that gold prices may challenge the $6,000 mark by 2026, driven by ongoing market conditions and investor sentiment [9]. - The current market environment is characterized by high prices and volatility, prompting recommendations for investors to adopt strategies like dollar-cost averaging [10].