第一财经·2026-01-26 10:15Core Viewpoint - International gold prices continue to reach historical highs, with spot and futures prices surpassing $5000 and $5100 per ounce respectively, prompting banks to take measures to control risks [3]. Group 1: Agricultural Bank's New Measures - Agricultural Bank announced that starting January 30, 2026, personal clients engaging in the "Gold Accumulation" business will need to undergo a risk tolerance assessment to participate in signing, purchasing, and investment plans [4]. - Clients must achieve a cautious or higher assessment result to proceed with the "Gold Accumulation" services, while existing clients with valid assessments are exempt from retesting [4]. - The bank emphasizes the importance of clients being aware of their financial status and risk tolerance when engaging in the "Gold Accumulation" business [6]. Group 2: Overview of "Gold Accumulation" Business - The "Gold Accumulation" service allows clients to open a precious metal account using a debit card, purchasing gold investment products based on real-time prices [6]. - The service is an extension of the "Timeless Treasure" physical gold trading, where purchased precious metals are linked to physical gold products [6]. - Clients can buy in increments and request withdrawals of physical gold or sell the precious metals directly from their accounts [6].