3月4日金融一线消息，建设银行近日发布公告称，近期国内外贵金属价格波动进一步加剧，市场风险显著提 升。请您在投资我行贵金属业务时，提高贵金属业务的风险防范意识，基于自身财务状况和风险承受能力理 性、稳健投资，均衡、适度配置贵金属，合理控制仓位，避免盲目跟风操作。同时，请及时关注持仓情况和保 证金余额变化情况，防范贵金属市场风险。 责任编辑：曹睿潼 3月4日金融一线消息，建设银行近日发布公告称，近期国内外贵金属价格波动进一步加剧，市场风险显著提 升。请您在投资我行贵金属业务时，提高贵金属业务的风险防范意识，基于自身财务状况和风险承受能力理 性、稳健投资，均衡、适度配置贵金属，合理控制仓位，避免盲目跟风操作。同时，请及时关注持仓情况和保 证金余额变化情况，防范贵金属市场风险。 责任编辑：曹睿潼 ...

2026年3月2日，中国建设银行（601939）发布公告称，近期国内外贵金属价格波动进一步加剧，市场风 险显著提升。请您在投资中国建设银行贵金属业务时，提高贵金属业务的风险防范意识，基于自身财务 状况和风险承受能力理性、稳健投资，均衡、适度配置贵金属，合理控制仓位，避免盲目跟风操作。同 时，请及时关注持仓情况和保证金余额变化情况，防范贵金属市场风险。 如您有任何疑问，可通过中国建设银行95533客服热线进行咨询。感谢您长期以来给予中国建设银行的 大力支持！ ...

多家交易所发布通知，提示做好市场风险控制。 3月2日，多家交易所发布关于做好市场风险控制工作的通知或风险提示函。 通知称，近期中东局势复杂多变，市场波动较大，请各有关单位采取 相应措施，提示投资者做好风险防范工作，理性投资，共同维护市场平稳运行。 关于做好市场风险控制工作的通知 发布日期： 2026-03-02 上期发〔2026〕80号 各有关单位: 近期中东局势复杂多变，市场波动较大，请各有关单位采取相应措施，提示投资者做好风险防范工作，理性投资，共同维护市场平稳运行。 特此通知。 近期中东局势复杂多变，市场波动较大，请各有关单位采取相应措施，提示投资者做好风险防范工作，理性投资，共同维护市场平稳运行。 特此通知。 上海国际能源交易中心 2026年3月2日 首页 \ 关于交易所 \ 交易所动态 \ 公告通知 来源：办公室 发布日期:2026-03-02 郑商函〔2026〕205号 上海期货交易所 2026年3月2日 关于做好市场风险控制工作的通知 发布日期: 2026-03-02 上能发〔2026〕16号 各有关单位: 各会员单位: 近期影响市场的不确定性因素较多，请各会员单位切实加强投资者教育和风险防范工 ...

近期多家银行密集调整代理上金所个人贵金属交易业务。工商银行2025年12月发布公告，对无持仓、无库存、无欠款且保证金账户仍有资金余额的客户，自 2025年12月19日起批量划转保证金账户余额至绑定结算账户，并关闭相关业务功能；建设银行同期提示符合上述条件的客户尽快转出业务保证金余额并解 约；中信银行自2025年11月7日起，开展代理上金所个人交易长期不动户清理工作；宁波银行2025年9月发布公告，自当年10月13日起停止受理代理个人客户 上金所现货实盘买入交易，卖出交易不受影响。 市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 兴业银行在公告中表示，当前贵金属市场剧烈波动，市场风险较高，再次提醒尚未完成解约的个人客户尽快办理延期合约平仓、库存卖出、出金以及解约操 作。该行后续将根据市场状况及业务发展需求，持续调整客户交易渠道。 事实上，这并非兴业银行首次调整该业务。2022年7月15日收市后，兴业银行已关闭代理上金所个人贵金属买卖业务的延期合约开仓、现货合约买入功能， 并对无持仓、无库存、无欠款的代理贵金属交易账户实施统一结算并解除委托代理关系。2025年10月，兴业银行 ...

Core Viewpoint - The recent volatility in gold and silver prices has prompted banks to increase their risk warnings and adjust their risk control measures significantly. Group 1: Price Volatility - On February 2, international gold prices fell to $4403.64 per ounce, with a maximum daily drop exceeding 9%, while silver prices hit a low of $71.33 per ounce, with a drop close to 15% [1] - Agricultural Bank and Postal Savings Bank both issued warnings about the significant fluctuations in precious metal prices, urging clients to assess their risk tolerance and maintain a rational investment mindset [1][2] Group 2: Risk Management Adjustments - Industrial and Commercial Bank of China (ICBC) announced an increase in the margin ratio for personal clients trading silver contracts from 60% to 66% effective February 2, following a notice from the Shanghai Gold Exchange [2] - On January 27, ICBC had already raised the margin ratio for gold and silver contracts due to increased market risks, with gold contract margins adjusted from 43% to 60% and silver from 47% to 60% [3] - China Merchants Bank also raised the margin ratio for its gold and silver contracts to 70% on February 2, while maintaining the price fluctuation limit for gold contracts at 15% [4] Group 3: Client Advisory - Banks are advising clients to avoid impulsive trading behaviors such as chasing price increases or selling off during declines, emphasizing the importance of monitoring market conditions and controlling position sizes [1][2] - The banks are also adjusting the entry requirements for personal gold accumulation business, raising the minimum subscription amounts in response to the recent price surges [4]

Core Viewpoint - The recent volatility in gold and silver prices has prompted banks to enhance risk management measures and issue warnings to clients regarding potential market fluctuations [2][3][5]. Group 1: Market Volatility - On February 2, international gold prices fell to $4403.64 per ounce, with a maximum daily drop exceeding 9%, while silver prices dropped to $71.33 per ounce, with a maximum daily decline close to 15% [2]. - Banks are responding to increased volatility in the precious metals market, with significant price fluctuations leading to heightened risk awareness among financial institutions [2][3]. Group 2: Risk Warnings from Banks - Industrial and Commercial Bank of China (ICBC) issued a warning on February 2, advising clients to assess their risk tolerance and maintain a rational investment approach amid market volatility [2]. - Agricultural Bank of China also released a notice on the same day, urging clients to carefully evaluate their financial situation before engaging in precious metals trading [3]. - Postal Savings Bank of China emphasized the importance of risk awareness and prudent investment strategies for clients involved in gold accumulation and physical precious metals business [3]. Group 3: Margin Adjustments - ICBC announced an increase in the margin requirement for personal clients trading silver contracts from 60% to 66% effective February 2, following a notification from the Shanghai Gold Exchange [3][4]. - On January 27, ICBC had already raised the margin for gold contracts from 43% to 60% due to increased market risks [4]. - China Merchants Bank adjusted its margin requirements for various gold contracts from 60% to 70% effective February 2, while maintaining a 15% limit on price fluctuations [5].

Group 1 - Significant fluctuations in international gold prices were reported, influenced by the nomination of Kevin Walsh as the next Federal Reserve Chairman, which triggered a drop in the precious metals market [6] - A citizen invested approximately 200 grams of gold, spending around 200,000 yuan, following news of declining gold prices [6] Group 2 - Xiaomi's January 2026 delivery volume exceeded 39,000 vehicles, reflecting a more than 20% month-over-month decline, attributed to the discontinuation of the first-generation SU7 model and a shift in production focus to new models [7] - The average selling price of the iPhone surpassed $1,011 in Q4 2025, while the combined average prices of four major Android manufacturers (OPPO, Samsung, vivo, Xiaomi) totaled $895, indicating a significant price gap [8]

Core Viewpoint - The China Bank has issued a warning regarding the volatility of precious metal prices since 2026, highlighting the need for clients to manage market risks effectively [1] Group 1: Market Conditions - Since 2026, there have been numerous uncertainties in the precious metals market, leading to significant price fluctuations [1] - The bank emphasizes the importance of clients being aware of their financial status and risk tolerance when engaging in precious metal trading [1] Group 2: Client Advisory - Clients are advised to reasonably control their precious metal holdings to mitigate the risk of financial losses due to price volatility [1] - The bank aims to protect the interests of clients involved in precious metal-related businesses, such as accumulated gold and account precious metals [1]

Core Viewpoint - The Bank of China has issued a warning regarding the volatility of precious metal prices since 2026, highlighting the need for market risk prevention measures for clients involved in precious metal-related businesses [1] Group 1: Market Conditions - Since 2026, there have been numerous uncertainties in the precious metals market, leading to significant price fluctuations [1] - The bank emphasizes the importance of clients understanding their financial situation and risk tolerance when engaging in precious metal trading activities [1] Group 2: Client Advisory - Clients are advised to reasonably control their precious metal holdings to mitigate the risk of financial losses due to price volatility [1] - The bank aims to protect the interests of clients with accumulated gold, accumulated profit gold, and account-related precious metal services [1]

Core Viewpoint - Silver prices have surged significantly, with a year-to-date increase of over 30%, reaching a historical high of $99.36 per ounce on January 23 [8][11]. Group 1: Silver Price Trends - The price of silver has increased by more than 30% since the beginning of the year, with a notable rise in demand for physical silver products from banks [1][7]. - The London silver inventory has dropped to a 10-year low, indicating a tightening supply situation [6][8]. - The World Silver Association projects global silver supply to be 32,100 tons and demand to be 35,700 tons by 2025, with industrial silver accounting for 60% of total demand [1][6]. Group 2: Bank Product Availability - Many banks, including Industrial and Agricultural Banks, have reported shortages of silver products such as commemorative coins and jewelry due to high demand [2][5]. - Specific products like the "Chinese Dragon Silver Commemorative Coin" have sold out, with sales reaching 27,000 units [2][5]. - Other banks, such as Bank of China and CITIC Bank, still have sufficient inventory of silver products [6]. Group 3: Market Outlook - Financial institutions maintain a positive outlook on the silver market, with expectations of continued upward pressure on prices due to industrial demand and investment interest [18]. - Predictions suggest that silver prices may test the $100 per ounce mark in the short term, with a potential long-term price increase driven by industrial demand [18][19]. - Analysts from Huatai Futures indicate that the silver-gold ratio is likely to fluctuate within a range of 40-80, suggesting a volatile market ahead [18]. Group 4: Risk Management and Regulatory Changes - Banks have begun to tighten their risk management protocols for precious metals investments, raising entry thresholds and issuing market risk warnings [19][20]. - Recent adjustments include increasing margin requirements for silver trading and raising the risk rating for personal accumulation gold products [19][20]. Group 5: Consumer Behavior - Consumers are increasingly purchasing silver products not only for investment but also for their aesthetic appeal, as evidenced by social media shares of silver collectibles [6]. - The rising silver prices have prompted consumers to act quickly in acquiring silver products, reflecting a growing interest in precious metals as a hedge against inflation [1][7].