部份银行黄金存款被抢光

Core Viewpoint - The article highlights the recent surge in gold prices, with COMEX gold reaching a new high of $4827 per ounce, reflecting an increase of over 11% in just 22 days of the year 2026. This trend has led to a growing interest in structured deposits linked to gold among both companies and individual investors [1][2][17]. Group 1: Gold Price Performance - As of January 22, 2026, COMEX gold was priced at $4827 per ounce, showing a year-to-date increase of 11.47% [2]. - London gold and silver also experienced significant price movements, with London gold at $4827.296 and London silver at $93.691, reflecting increases of 11.79% and 30.90% respectively since the beginning of the year [2]. Group 2: Structured Deposits - Several listed companies, including Guozi Software and Fudan Zhangjiang, have announced their subscription to gold-linked structured deposits, indicating a rising enthusiasm among individual investors for such products [4]. - Major banks, including Bank of Communications and China Merchants Bank, have launched structured deposits linked to gold, with some products experiencing high demand and limited availability [4]. Group 3: Yield and Conditions of Structured Deposits - Despite the strong performance of gold, the overall yield of gold-linked structured deposits is not particularly high, with most products offering annualized returns not exceeding 2% [6]. - For example, a product from Bank of Communications offers a yield range of 0.5% to 3.2%, contingent on gold price movements, with a minimum yield of 0.5% if the price declines [6][7]. - Another product from Industrial Bank has a yield of 2.02% if gold prices increase by 16.9% or more, with a minimum yield of 1% if prices fall below a certain threshold [8]. Group 4: Market Volatility and Short-term Products - Short-term structured deposit products, with durations of about one week, are being offered with annualized yields between 1.5% and 1.7%, but they are subject to market volatility risks [10]. - The article notes that significant price fluctuations in gold can easily trigger minimum yield conditions for these short-term products [10]. Group 5: Investment Considerations - Investors are advised to carefully review the terms of structured deposits, including the structure of returns, observation methods, and the feasibility of achieving the highest yields [12]. - Emphasis is placed on the importance of selecting products with higher minimum yields to mitigate risks associated with incorrect market predictions [13]. - The article contrasts structured deposits with non-principal protected structured financial products, highlighting the safety of principal as a key advantage of structured deposits [15]. Group 6: Long-term Outlook on Gold - Despite recent fluctuations in gold prices, several institutions remain optimistic about the long-term outlook for gold, with predictions of price increases driven by factors such as Federal Reserve interest rate cuts and geopolitical uncertainties [17]. - Historical trends suggest that gold prices could rise between 10% and 35% by 2026, with forecasts from major banks indicating potential prices reaching $5000 per ounce or even challenging $6000 in the long term [17].