黄金涨破5100美元，银行保险箱一箱难求，有营业部新户要排5至6年才能租到

Core Insights - Gold and silver prices have significantly exceeded market expectations in 2026, with gold reaching a peak of $5111.17 per ounce and silver soaring to $109 per ounce, marking increases of over 18% and 51% respectively within a short period [1][2] Market Demand and Supply - The surge in gold and silver prices has led to a dramatic increase in investment and collection demand, resulting in temporary shortages of silver products at several banks, with some customers facing long wait times for safe deposit boxes [4][5] - Major banks, including China Merchants Bank and Agricultural Bank of China, report that their safe deposit boxes are fully rented, with waiting lists extending up to 5 to 6 years for new customers [4] - The annual fees for small and large safe deposit boxes range from 200 to 500 yuan and 1000 to 3000 yuan respectively [4] Investment Products and Trends - The market has seen a rise in structured deposit products linked to gold, with many banks launching these offerings, some of which sell out quickly [6] - At least 27 listed companies have disclosed investments in gold-related financial products, totaling approximately 1.73 billion yuan [6] Fund Performance - The Guotou Silver LOF fund, which primarily invests in silver futures, has seen its net asset value increase by 62.43% in the fourth quarter of 2025, with its total scale growing to 18.944 billion yuan, a 185.31% increase from the previous quarter [6] - Despite high premium rates, the fund's market price has surged over 70% since the beginning of 2026, indicating strong investor interest [6] Market Sentiment and Risks - Some investors, like David Bateman, have reported substantial gains from silver investments, while others, such as Canadian Imperial Bank of Commerce, have faced significant losses from short positions in silver [7][8] - Analysts suggest that the current market dynamics for gold and silver have deviated from traditional fundamental analysis, indicating a need for investors to adapt to new market conditions [8][9] Future Outlook - Experts believe that gold and silver will continue to play a crucial role in the global economy in 2026, with any temporary market weakness potentially presenting buying opportunities [11]