深夜突发！金价大跳水，日内跌超12%，银价暴跌近35%！国内两家银行同日发布公告

Core Viewpoint - A global panic sell-off has impacted the precious metals market, leading to significant declines in gold and silver prices. Group 1: Precious Metals Market - Spot gold experienced a daily decline of 12.41%, dropping from $5,400/oz to $4,709.68/oz [1] - Spot silver saw a dramatic drop of 34.67%, falling from above $110/oz to $75.38/oz [1] - The latest price for gold is $4,709.68, reflecting a decrease of $667.46 [2] Group 2: U.S. Economic Context - The U.S. stock market saw a broad decline, with the Nasdaq down 1.22%, the Dow Jones down over 1%, and the S&P 500 down 0.92% [4] - President Trump nominated Kevin Walsh, a former Fed governor, as the next Federal Reserve Chair, raising concerns about monetary policy direction and Fed independence [5][6] - Market expectations suggest that the Fed may lower interest rates by 50 to 100 basis points over the next year [6] Group 3: Future Outlook for Gold and Silver - According to China International Capital Corporation (CICC), the gold bull market may not be over despite current price volatility, as the Fed's policies and U.S. economic conditions remain critical [6] - CICC anticipates that by early 2026, rising inflation and improving economic growth in the U.S. could lead to a slowdown in the Fed's easing pace, potentially exerting pressure on gold prices [6] - The volatility in silver prices may be greater than that of gold due to its smaller market size and lower liquidity [6] Group 4: Banking Sector Adjustments - Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced adjustments to their personal gold accumulation business rules, including limits on transactions during non-trading days starting February 7, 2026 [7] - CCB raised the minimum amount for regular gold accumulation plans to 1,500 yuan, effective February 2, 2026, while existing plans will remain unaffected [10]