金价飙升风险暗藏，银行紧急调整、提示！

Core Viewpoint - The article discusses the recent surge in gold prices, highlighting the risks associated with gold trading and the regulatory responses from major Chinese banks to protect investors [1][6]. Group 1: Gold Price Trends - On January 9, gold prices continued to rise, with COMEX gold futures increasing by 1.29% to $4,518.4 per ounce, marking a weekly increase of 4.34% [1]. - Since the beginning of 2026, gold prices have consistently risen, surpassing the $4,500 mark, leading to heightened trading risks [1]. Group 2: Regulatory Warnings - The Bank of China has issued warnings about illegal trading platforms that promote "gold investment" and "gold pre-pricing," which often lure participants with promises of low entry costs and high returns, effectively functioning as gambling scams [2][3]. - These platforms require users to deposit funds into a fake system, where they gamble against the platform rather than investing in actual gold, posing significant financial risks [3]. Group 3: Changes in Banking Policies - The Industrial and Commercial Bank of China (ICBC) has raised the minimum investment amount for its gold accumulation business from 1,000 yuan to 1,100 yuan, effective January 8, 2026 [6][8]. - Starting January 12, 2026, personal clients must undergo a risk assessment to engage in gold accumulation services, requiring a minimum risk rating of C3-Balanced or higher [8]. - Previously, clients only needed a C1-Conservative rating to participate in gold accumulation, indicating a shift towards more stringent risk management practices in response to market volatility [8].