金价疯涨，银行开始“踩刹车”

Core Viewpoint - The article discusses the recent surge in gold prices and the subsequent measures taken by banks to mitigate risks associated with gold investments, including banning credit card usage for gold trading and adjusting investment thresholds for gold products [1][7]. Group 1: Credit Card Ban on Gold Trading - The international gold price has been rising significantly, surpassing $3000 per ounce, which has led to increased activity in bank precious metal businesses [2][4]. - There have been reports of individuals using credit cards to invest in gold, exploiting promotional offers and installment plans, which is against regulatory guidelines [4][6]. - Several banks, including Industrial Bank and Jiangsu Bank, have issued statements prohibiting the use of credit cards for gold investments, emphasizing that credit cards should only be used for daily consumption [4][6]. Group 2: Adjustments in Gold Business Rules - In response to the booming gold market, banks have raised the minimum investment amounts for gold accumulation products to manage risks [8][9]. - For instance, Ningbo Bank increased its minimum purchase amount from 700 RMB to 800 RMB, while Industrial Bank also raised its minimum investment threshold [8]. - Additionally, several banks have lowered the interest rates on gold accounts, with rates for various terms adjusted down to as low as 0.01% [9]. Group 3: Risk Awareness and Consumer Guidance - Banks are actively reminding consumers about the risks associated with gold investments, particularly in light of recent price volatility [9][10]. - Industry experts suggest that investors should be aware of market risks and legal regulations, and should invest rationally based on their risk tolerance and investment expectations [10].