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疯涨!多家银行集体宣布:上调
21世纪经济报道·2025-03-27 06:46

Core Viewpoint - Recent adjustments by banks to increase the investment threshold for gold accumulation reflect the rising gold prices and market dynamics, indicating a trend that may continue as more banks follow suit [1][5][6]. Group 1: Bank Adjustments - Construction Bank announced an increase in the personal gold accumulation business threshold from 700 RMB to 800 RMB, effective March 31, 2025 [1]. - Ningbo Bank was the first to raise its threshold from 700 RMB to 800 RMB on March 19, 2025, following the surge in gold prices [4]. - China Merchants Bank also raised its gold account investment threshold from 700 RMB to 750 RMB, effective March 27, 2025, marking its second increase this year [5]. Group 2: Market Trends - The price of spot gold surpassed 3000 USD per ounce, leading to a corresponding increase in the minimum investment amounts for gold accumulation products across banks [4][5]. - The increase in gold prices has led to a historical high in gold ETF holdings, with the largest gold ETF, SPDR, reaching over 930.51 tons [7][8]. Group 3: Retail Price Adjustments - Retail companies, such as Chow Tai Fook, have confirmed price increases for gold jewelry products due to rising gold prices, with some items increasing by over 1000 HKD [9]. - Other brands, like Lao Pu Gold, have also adjusted their prices, with increases ranging from 1000 to 3000 HKD, reflecting a 5% to 12% rise in popular items [10]. Group 4: Central Bank Activities - As of February 2025, China's gold reserves increased to 7,361 million ounces, marking the fourth consecutive month of growth [12]. - The central bank's strategy to increase gold reserves is driven by the low percentage of gold in international reserves, which is currently at 5.5%, significantly below the global average of around 15% [12].