黄金、白银，崩盘式跳水！创40年最大单日跌幅

Group 1 - Global panic selling has swept the precious metals market, with silver prices dropping by 34.67% from over $110/oz to $75.38/oz, and gold prices falling by 12.41% from $5400/oz to $4709.68/oz [1] - As of the market close, spot gold was reported at $4880.034/oz, down 9.25%, marking the largest single-day decline since April 1, 1980 [4] - The U.S. stock market experienced a broad decline, with the Nasdaq down 1.22%, the Dow Jones down over 1%, and the S&P 500 down 0.92% [5] Group 2 - President Trump nominated Kevin Walsh as the next Federal Reserve Chairman, shifting market focus to his monetary policy stance and the independence of the Fed [5] - Analysts predict that the Federal Reserve may lower interest rates by approximately 50 to 100 basis points over the next year, which could influence gold prices [5] - Despite the current volatility, analysts from China International Capital Corporation (CICC) suggest that the gold bull market may not be over, as the Fed's policies and U.S. economic conditions continue to evolve [6] Group 3 - Industrial and Commercial Bank of China (ICBC) announced adjustments to its personal gold accumulation business, implementing limit management for transactions on non-trading days starting February 7, 2026 [6][7] - China Construction Bank (CCB) also announced an increase in the minimum amount for personal gold accumulation plans to 1500 yuan, effective February 2, 2026 [7] Group 4 - Retail gold stores generally do not accept returns after purchase, while online platforms have varying return policies, often not allowing returns for investment gold products [9][13] - Some brands have specific return policies for gold jewelry, allowing returns within 24-48 hours under certain conditions, while others impose fees for returns [11][13] - Legal interpretations indicate that gold jewelry and bars purchased in physical stores are generally not subject to a 7-day no-reason return policy, aligning with consumer protection laws [13]