● 本报记者 薛瑾 近日，工商银行发布公告称，自1月12日起，将个人积存金业务风险准入等级上调至C3（平衡型）及以 上。此前，考虑到市场波动情况、投资者保护和产品风险属性等因素，多家银行已上调评级准入门槛， 达不到门槛的低风险投资者无法办理相关业务，根据客户风险偏好严把入口关。业内人士预计，随着金 价波动持续，未来会有更多银行跟进上调积存金投资准入门槛，有关积存金业务的风控举措也将持续升 级。 受到年轻投资者青睐 "最低1克即可入场，无需一次性投入大量资金，资金量有限的投资者进场无压力。投资者可以从1克 起，一点一点攒金条。"光大银行一位客户经理表示，积存金支持"T+0"交易，投资者在工作日的白天 和晚上都可以在手机银行实时交易，利用碎片时间就能进行操作管理。交易费定价清晰透明，没有隐性 成本支出，持有一定期限还能获得利息。 工商银行提高准入门槛 南京银行北京分行人士表示，该行有活期积存、定期积存、黄金定投等多种投资方式。活期积存可以看 成是存在银行可灵活买卖的黄金，1克起购买卖灵活，还可兑换实物黄金。定期积存是存在银行可以"生 金"的黄金，2克起购，多期限选择，可以随时转活期。此外，客户还可以进行黄金定投， ...

2026.01. 08 本文字数：2499，阅读时长大约4分钟 作者 | 第一财经 陈君君 相比外资银行，国内银行也加快了黄金产品布局。招商银行自2026年以来已发行15只挂钩黄金的结 构性存款，期限从7天至90天不等，预期到期年化利率1%～1.78%，起存金额从1万元到30万元不 等。 在国际金价连续大涨、避险情绪升温的背景下，近段时间以来，多家中外资银行密集推出挂钩黄金的 结构性存款产品，期限涵盖3个月至12个月，起存门槛从1万元到1万美元不等，成为黄金投资热潮下 的新选择。 与此同时，贵金属业务风控明显趋严，工商银行等国有大行上调个人积存金风险准入等级，多数银行 已将"平衡型"设为投资入门标准，部分机构进一步提高至"进取型"。业内人士提醒投资者，理性评估 风险是参与黄金投资的关键。 结构性存款挂钩黄金成投资新趋势 开年以来，结构性存款成为银行吸引客户的重要产品。 元旦节当天，星展银行旗下"星展丰盛理财"首推看涨黄金主题结构性存款，期限为12个月，年化收益 分为1.5%和4%，最低认购金额为1万美元。 1月5日，汇丰中国推出"创煜系列"结构性存款，并非直接挂钩黄金标的，但与金矿公司挂钩，包括紫 金矿业、纽 ...

Core Viewpoint - Ningbo Bank focuses on long-term development, balancing dividends with internal capital growth to ensure a solid capital foundation for sustainable business development [1] Group 1: Capital Management - The company emphasizes the importance of internal capital in creating greater value for its development, especially in light of current refinancing regulatory requirements [1] - Ningbo Bank is committed to enhancing its performance and maintaining steady growth in internal capital to provide more returns to shareholders [1]

Core Viewpoint - Ningbo Bank is committed to enhancing financial services and supporting the real economy by focusing on key sectors such as private small and micro enterprises, manufacturing, import and export businesses, and consumer spending [1] Group 1: Company Strategy - The company has been implementing government and regulatory decisions to increase resource allocation and support for targeted sectors [1] - There is a continuous improvement in financial service standards to assist in the quality and efficiency of the real economy [1] Group 2: Financial Growth - The loan scale of the company has been steadily increasing, reflecting its commitment to supporting the real economy [1] - Future policies aimed at expanding domestic demand and promoting consumption are expected to further enhance the company's financial service coverage [1] Group 3: Economic Support - The company aims to effectively meet the financing needs of the real economy while maintaining reasonable credit growth [1] - There is a focus on fostering new productive forces to align with the evolving economic landscape [1]

Core Viewpoint - Ningbo Bank (002142) emphasizes a differentiated business strategy to adapt to changing operating environments and accumulate comparative advantages for high-quality development [1] Group 1: Business Strategy - The company aims to deepen its operational focus to promote sustainable growth [1] - It seeks to strengthen professional operations to solidify core advantages [1] Group 2: Technological Transformation - The bank is accelerating its technological transformation to empower management and operations [1] Group 3: Risk Management - The company is committed to maintaining a risk baseline to ensure stable operations [1]

Group 1 - The core viewpoint of the articles highlights the rising trend of structured deposits linked to gold as banks respond to increasing demand for gold investments amid rising international gold prices and heightened risk aversion [1][2][3] - Several banks, both domestic and foreign, have launched gold-linked structured deposit products with varying terms and investment thresholds, indicating a shift in investment strategies towards gold [2][4] - The risk management for precious metals business has tightened, with banks raising the risk assessment levels for individual gold accumulation products, reflecting a reassessment of the risk characteristics associated with gold investments [4][5] Group 2 - The structured deposits linked to gold offer a "capital protection + linkage" mechanism, providing investors with a balance of safety and potential higher returns, while also emphasizing the importance of understanding the product's terms [3][6] - The investment thresholds for gold accumulation products have been raised across multiple banks, ensuring that the risk levels of financial products align with the risk tolerance of investors [5][6] - The outlook for the gold market remains uncertain, influenced by geopolitical risks, economic recovery, and central bank behaviors, which are expected to support gold prices in the medium to long term [6][7]

"趁着前两天金价稍微回调，我以每克大约980元的价格入了几克积存金。今天打开银行App一看，已经 有浮盈了。"来自北京的投资者小林告诉记者。近期，黄金投资热度不减，银行积存金备受关注。 从银行端看，一场有关业务风控的升级正在加速进行。1月12日起，工商银行（601398）将个人积存金 业务风险准入等级上调至C3（平衡型）及以上，此前，考虑到市场波动情况、投资者保护和产品风险 属性等因素，多家银行已调整评级准入门槛，达不到门槛的低风险投资者无法办理相关业务。 业内人士预计，随着金价波动持续，未来会有更多银行上调积存金投资准入门槛。 "一点一点攒金条" "最低1克即可入场，无需一次性投入大量资金，资金量有限的投资者进场无压力，投资者可以一点一点 攒金条。"光大银行（601818）一位客户经理表示，"积存金支持T+0交易，投资者在工作日的白天和晚 上都可以在手机银行实时进行交易，利用碎片时间就能进行操作管理。交易费定价清晰透明，也没有隐 性成本支出，长期持有一定期限还能获得利息。" 上述特性让积存金成为投资者投资黄金的一大选择。记者从多位银行业内人士处了解到，自2024年黄金 开启新一轮升浪以来，积存金业务变得更加 ...

Market Overview - The city commercial bank sector experienced a decline of 0.89% on January 8, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 4082.98, down 0.07%, while the Shenzhen Component Index closed at 13959.48, down 0.51% [1] Individual Stock Performance - Zhengzhou Bank closed at 1.94 with no change, while Lanzhou Bank also remained unchanged at 2.33 [1] - Shanghai Bank closed at 9.95, down 0.10%, and Chengdu Bank closed at 16.23, down 0.18% [1] - Chongqing Bank saw a significant decline of 2.70%, closing at 10.45, with a trading volume of 99,000 shares [2] Trading Volume and Turnover - The trading volume for Zhengzhou Bank was 769,900 shares with a turnover of 149 million yuan, while Lanzhou Bank had a trading volume of 363,100 shares and a turnover of 84.51 million yuan [1] - The highest turnover was recorded for Nanjing Bank at 1.342 billion yuan with a trading volume of 1,217,000 shares [2] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 6.7397 million yuan from institutional investors, while retail investors experienced a net outflow of 70.5351 million yuan [2] - Chengdu Bank had a net inflow of 87.0825 million yuan from institutional investors, but a net outflow of 46.0321 million yuan from retail investors [3] Summary of Capital Flows - Institutional investors showed a positive net flow for several banks, including Hangzhou Bank with 77.8301 million yuan and Qingdao Bank with 8.4480 million yuan [3] - Conversely, Chongqing Bank had a negative net flow of 535,600 yuan from institutional investors, indicating a lack of confidence [3]

针对"未来能否保持目前贷款增速"的问题，宁波银行表示，近年来公司聚焦民营小微企业、制造业企 业、进出口企业、民生消费等重点领域，加大资源倾斜与支持力度，推动贷款规模稳步增长。下阶段， 随着扩内需、促消费等政策红利持续释放及新质生产力加速培育，公司将进一步扩大金融服务覆盖面， 有效对接实体经济融资需求，保持信贷合理增长，切实支持实体经济发展。 竞争优势：坚持差异化策略，筑牢高质量发展基础 登录新浪财经APP 搜索【信披】查看更多考评等级 1月8日，宁波银行股份有限公司（以下简称"宁波银行"）在公司总部大厦接待了特定对象调研活动。招 商信诺、信达澳亚、工银瑞信等8家机构参与此次调研，双方就公司贷款增速、行业竞争优势及再融资 等核心议题展开深入交流。 调研基本情况 投资者关系活动类别为特定对象调研，活动时间为2026年1月8日上午，地点位于宁波银行总部大厦，形 式为现场会议。参与单位包括招商信诺、信达澳亚、工银瑞信、东兴证券、摩根基金、财通资管、长江 养老、中信保诚等8家机构，上市公司接待人员为公司投关团队。 核心议题交流要点 贷款增速：聚焦实体重点领域，政策红利下保持合理增长 责任编辑：小浪快报 在行业竞争优势方 ...

Group 1: Loan Growth and Economic Support - The company aims to maintain steady loan growth by focusing on key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer spending, supported by government policies and financial regulations [2]. - The company plans to expand its financial services coverage to effectively meet the funding needs of the real economy, driven by ongoing policy benefits aimed at boosting domestic demand and consumption [2]. Group 2: Competitive Advantage Strategies - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on accumulating comparative advantages to promote high-quality development [2]. - Key strategies include deepening operational focus, strengthening professional management, accelerating technological transformation, and maintaining a strong risk management framework to ensure stable operations [2]. Group 3: Capital Growth and Shareholder Returns - The company emphasizes the balance between dividends and internal capital growth, ensuring a solid capital foundation for sustainable business development [2]. - Given current regulatory requirements for refinancing, internal capital is expected to create greater value for the company's development, with a commitment to enhancing performance and providing higher returns to shareholders [2]. Group 4: Compliance and Communication - During the investor relations activity, the company ensured thorough communication with investors while adhering to disclosure regulations, with no significant undisclosed information leaks reported [2].