建行：上调个人黄金积存定期起点金额

Core Viewpoint - China Construction Bank (CCB) is increasing the minimum amount for its personal gold accumulation business to 1500 yuan starting from February 2, 2026, amid rising market risks in precious metals [1][3]. Group 1: CCB's Announcement - CCB announced that the new minimum for regular gold accumulation plans will be set at 1500 yuan, affecting both daily and selected day accumulations [1]. - Existing accumulation plans that were successfully set up before the adjustment will remain unaffected, but any new plans must meet the updated minimum requirement [1]. - If a plan is extended after its original term, it must comply with the new minimum amount to be successfully extended [1]. Group 2: Market Conditions - The announcement comes as international gold prices have experienced significant volatility, with prices reaching nearly 5600 USD per ounce before dropping close to 5100 USD, and then closing around 5379 USD [3]. - On January 30, during Asian trading hours, gold prices fluctuated, initially rising over 1% before experiencing a sharp decline of nearly 5%, ultimately remaining below 5200 USD per ounce [3]. Group 3: Competitor Actions - Concurrently, China Merchants Bank announced a similar adjustment, raising the minimum subscription amount for its gold accounts to 1200 yuan, effective February 2, 2026 [3]. - Like CCB, existing investment plans at China Merchants Bank will continue to be honored, while new plans must adhere to the updated minimum [3].