第一财经·2026-01-30 10:40Core Viewpoint - The article discusses the recent increase in gold price volatility and the corresponding adjustments made by major banks in China to their gold accumulation business, reflecting a heightened focus on risk management in response to market changes [3][4]. Group 1: Bank Adjustments - China Construction Bank announced an increase in the minimum amount for personal gold accumulation business to 1500 yuan, effective February 2, 2026, following previous increases from 700 yuan to 800 yuan and then to 1000 yuan in 2025 [3]. - Agricultural Bank of China has added risk tolerance assessment requirements for personal customers participating in gold accumulation transactions starting January 30, 2026 [4]. - Industrial and Commercial Bank of China raised the risk assessment level for personal customers from "C1-Conservative" to "C3-Balanced" as of January 12, 2026, and increased the minimum amount for its gold accumulation business from 1000 yuan to 1100 yuan on January 8, 2026 [4]. Group 2: Market Conditions - The international gold price experienced a significant drop starting January 29, 2026, after a period of continuous increase, leading to increased market volatility [3]. - Construction Bank has advised customers to enhance their risk awareness regarding precious metals investments due to the heightened market risks and to manage their positions and margin balances carefully [3].