金价飙升，银行火速上调积存金业务门槛

Core Viewpoint - The article discusses the recent surge in gold prices, which has led banks to tighten the entry requirements for gold accumulation business, reflecting a shift in the risk management approach in the banking sector [2][5]. Group 1: Changes in Risk Assessment - Major banks, including Agricultural Bank of China and Industrial and Commercial Bank of China, have raised the risk tolerance requirements for individual clients participating in gold accumulation business, now requiring a minimum of "C3 - Balanced" risk assessment results [3][4]. - This adjustment is a response to increased market volatility and aims to protect individual investors' rights [4][5]. - Other banks, such as Citic Bank, have also raised their risk assessment levels to "C3" or higher for gold accumulation business, indicating a broader trend across the banking industry [5][6]. Group 2: Changes in Minimum Investment Amounts - Banks have been dynamically adjusting the minimum investment amounts for gold accumulation business, with some banks implementing floating mechanisms based on real-time gold prices [10]. - For instance, China Construction Bank raised its minimum investment amount from 700 yuan to 800 yuan in March 2025, and further to 1000 yuan in May 2025 [10]. - As of January 28, 2026, Zhejiang Commercial Bank increased its monthly cumulative investment minimum from 1200 yuan to 1300 yuan, reflecting the ongoing trend of increasing entry barriers in response to rising gold prices [11]. Group 3: Regulatory Environment - The adjustments in risk assessment and minimum investment amounts are influenced by regulatory changes, including the implementation of the "Financial Institutions Product Appropriateness Management Measures" by the National Financial Supervision Administration [7]. - This regulation sets unified standards for appropriateness management across the financial industry, prompting banks to align their risk management practices accordingly [7][8]. - The shift in the positioning of gold accumulation business from a low-threshold investment product to one with medium to high risk is anticipated as banks continue to raise entry requirements [7][8].