证券时报·2025-10-14 15:33Core Viewpoint - The surge in interest for bank gold accumulation products, particularly on the Ant Financial platform, is driven by rising international gold prices, with over one million visits to the "Accumulated Gold" page on Alipay in a single day [1][4]. Group 1: Market Dynamics - International gold prices have recently surpassed $4,120 per ounce, marking a significant increase of over 50% year-to-date [4]. - The World Gold Council's latest report suggests that the gold market is poised for its strongest annual performance since 1979 [4]. Group 2: Product Features - Accumulated gold is a banking product that allows investors to open an account and agree to a regular accumulation plan, either through fixed monthly contributions or active purchases, to acquire gold-backed shares [4]. - Investors can later redeem these shares for physical gold or cash [4]. Group 3: Investment Threshold Adjustments - Major banks have been increasing the investment thresholds for accumulated gold products. For instance, the minimum purchase amount for the Industrial and Commercial Bank of China (ICBC) has been raised from 850 yuan to 1,000 yuan, effective October 13, 2025 [7][8]. - The China Bank has also announced an increase in the minimum purchase amount from 850 yuan to 950 yuan, effective October 15, 2025 [7]. Group 4: Future Adjustments - Banks, including ICBC and China Bank, have indicated that they will continue to monitor the gold market and may adjust the minimum investment amounts accordingly [12].