21世纪经济报道·2025-04-09 05:43Core Viewpoint - The article discusses the recent adjustments made by several banks in China regarding the minimum investment amounts for gold accumulation products, reflecting the rising gold prices and market conditions [3][5][6]. Group 1: Bank Adjustments - Everbright Bank has raised the minimum investment amount for its gold accumulation personal business from 700 yuan to 1000 yuan, an increase of nearly 43%, making it the highest among banks [3]. - Bank of China has also increased its minimum purchase amount for gold accumulation products from 700 yuan to 750 yuan, marking the second increase this year [5]. - Ningbo Bank has adjusted its minimum purchase amount for gold accumulation to 800 yuan per gram, which is currently the highest among banks [6]. Group 2: Market Trends - The recent adjustments in minimum investment amounts are seen as a response to the significant fluctuations in gold prices, with Shanghai gold prices exceeding 700 yuan per gram [8]. - Analysts suggest that the increase in minimum investment thresholds helps banks filter clients with better risk tolerance and investment experience, while also controlling the scale of personal gold accumulation business [8]. Group 3: Central Bank Actions - The People's Bank of China reported an increase in gold reserves to 7,370 million ounces by the end of March, up by 90,000 ounces from February, marking the fifth consecutive month of increases [10]. - The continuous increase in gold reserves is attributed to the changing global political and economic landscape, with expectations that international gold prices may remain high for an extended period [10][11]. - The low proportion of gold in China's international reserves, at 5.5%, compared to the global average of around 15%, indicates a potential for further increases in gold holdings by the central bank [11].