国际贵金属价格1月31日继续大幅杀跌，现货黄金遭遇40年来最大下跌，最高跌超12%。现货白银一度暴跌超过36%，创出历史最大日内跌幅。 现货黄金最终收跌9.52%，报4865美元/盎司。现货白银收跌26.9%，报84.7美元/盎司。现货铂金重挫17.59%。现货钯金重挫14.89%。 金价跌了，之前买的金条金饰可以退吗 记者发现，有黄金品牌柜姐在社群中发布声明称：不能因为金价降了就要退货，不接受任何理由，退单一律扣500元。柜姐提醒称："下单要为自己的行为 负责，老板不会因为特殊情况特殊处理。"这一规定背后是否有法律支撑或行规约定俗成呢？ 记者浏览发现，社交平台上有不少网友提及被扣款的经历，其中有人因退货金条产品被平台扣款超千元。有受访消费者表示理解黄金的投资属性，也愿意 支付手续费。但还是觉得5%的比例偏高，且其申请退款时平台并未明显提醒称要扣手续费（退货规则一般在商品详情页中）。 广东深翔律师事务所彭泽龙律师表示，根据《消费者权益保护法》第25条，实体店购买的金饰/金条原则上不适用7天无理由退货。而线上购买的投资类金 条普遍标注"不支持7天无理由退货"，司法实践认定其属"根据商品性质不宜退货的商品"。针对 ...

美东时间30日下午，国际市场黄金、白银价格继续大幅下跌。纽约商品交易所4月黄金期价一度跌破每盎司4800美元关口，跌幅超过10%;3月白银期价一度 跌破每盎司80美元关口，跌幅超过30%。现货白银价格一度暴跌36%，创出历史最大日内跌幅。现货黄金价格一度下跌超过12%，盘中跌穿每盎司4700美 元，遭遇40年来单日最大跌幅。 本次黄金、白银等贵金属的大跌，其背后受到美联储相关消息、获利盘回吐等多重因素影响。东方金诚研究发展部高级副总监瞿瑞分析，金价冲高回落，主 因近期国际金价上行速度过快，叠加市场严重超买，引发资金获利了结离场。 中长期来看，瞿瑞分析，本轮金价的上涨已明显超越传统避险交易范畴，这也意味着市场对全球风险的定价方式正在发生变化。其定价不再局限于单次冲突 或危机，而是将地缘政治风险、美元信用风险、美联储独立性风险、美国债务可持续风险等视为长期存在的结构性变量，形成持续的风险溢价。 中金公司执行总经理李昭预计，2026年年初，由于美国通胀持续上行，美国增长边际改善，美联储可能放缓宽松节奏，或对黄金表现形成阶段性压制。但是 再往前看，随着2026年5月新的美联储主席就职，2026年下半年美国通胀迎来下行 ...

Core Viewpoint - A panic sell-off has swept through the global precious metals market, leading to significant declines in both silver and gold prices, with silver dropping as much as 34.67% and gold falling by 12.41% in a single day [1][4]. Group 1: Market Performance - Spot silver experienced a drastic decline, falling from over $110 per ounce to $75.38 per ounce [1]. - Spot gold dropped from $5,400 per ounce to $4,709.68 per ounce, marking a decrease of 12.41% [1][2]. - The closing price for spot gold was reported at $4,880.034 per ounce, reflecting a 9.25% drop, the largest single-day decline since April 1, 1980 [4]. Group 2: Economic Implications - The market is anticipating a potential interest rate cut by the Federal Reserve, estimated to be between 50 to 100 basis points over the next year, following the nomination of Kevin Walsh as the next Fed Chair [5]. - Analysts suggest that the current gold bull market may not be over, despite the volatility, as the Fed's policies and the U.S. economy have not yet shown signs of a turning point [5][6]. Group 3: Institutional Responses - Industrial and Commercial Bank of China (ICBC) announced new limits on personal gold accumulation business starting February 7, 2026, in response to the volatility in gold prices [6][8]. - China Construction Bank (CCB) has raised the minimum amount for regular gold accumulation plans to 1,500 yuan, effective February 2, 2026 [8].

Core Viewpoint - A panic sell-off has swept through the global gold and silver markets, leading to significant price drops, with silver experiencing a historic intraday decline of 36% and gold seeing its largest single-day drop in 40 years, ultimately closing down 9.52% at $4865 per ounce for gold and 26.9% at $84.7 per ounce for silver [1][4]. Group 1: Market Dynamics - The rapid increase in gold and silver prices had led to a market that was severely overbought, prompting profit-taking by investors which triggered a chain reaction resulting in sharp price declines [4]. - The nomination of Kevin Warsh as the next Federal Reserve Chairman by Trump has raised expectations of a tightening monetary policy, strengthening the dollar and putting additional pressure on gold and silver prices [4]. - Despite ongoing geopolitical risks, market sentiment has become overstretched in the short term, contributing to the sell-off [4]. Group 2: Institutional Responses - Following the volatility in gold prices, major state-owned banks in China have adjusted their gold accumulation policies. The Industrial and Commercial Bank of China announced limits on its gold accumulation business starting February 7, 2026, affecting daily and single transaction limits [5]. - China Construction Bank has raised the minimum accumulation amount for personal gold accumulation plans to 1500 yuan, marking another adjustment by a major state-owned bank in response to market conditions [7]. Group 3: Retail Market Impact - Domestic gold jewelry prices have seen significant declines, with brands like Chow Sang Sang and Chow Tai Fook adjusting their prices down to 1625 yuan per gram from previous highs [9][10]. - Retailers are implementing return policies in light of the price drops, with some brands charging a 1-5% return fee and others refusing returns based on price fluctuations [12].

Group 1 - Global precious metals market experienced a panic sell-off, with silver plunging 36% and gold dropping over 12%, closing at $4,865 per ounce [1] - The significant drop in precious metals is attributed to profit-taking after record gains and a rebound in the US dollar [1] - The potential nomination of Kevin Warsh as the next Federal Reserve Chairman by Trump has negatively impacted gold and silver prices, as Warsh has criticized ultra-loose monetary policy [1] Group 2 - Trump nominated Kevin Warsh, a former Fed governor known for his hawkish stance, which has led to market speculation about future monetary policy and the independence of the Fed [2] - Market expectations suggest that the Fed may lower interest rates by 50 to 100 basis points over the next year, impacting gold prices [2] - China’s Industrial and Construction Banks announced adjustments to their personal gold accumulation business, including limits on transactions and an increase in minimum accumulation amounts [3]

Group 1 - A panic sell-off swept through the global precious metals market, with silver prices dropping by 34.67% from above $110/oz to $75.38/oz, and gold prices falling by 12.41% from $5,400/oz to $4,709.68/oz [1] - The latest gold price recorded was $4,709.68, reflecting a decrease of $667.46 or 12.41% from the previous closing price of $5,377.14 [2] - The trading range for gold showed a volatility of 14.22%, with a high of $5,450.95 and a low of $4,686.12 [2] Group 2 - U.S. stock markets experienced a decline, with the Nasdaq down 1.22%, the Dow Jones falling over 1%, and the S&P 500 decreasing by 0.92% [4] - The nomination of Kevin Walsh as the next Federal Reserve Chairman has raised concerns regarding monetary policy direction and the independence of the Fed, with expectations of interest rate cuts between 50 to 100 basis points over the next year [4] - CICC analysts suggest that the gold bull market may not be over, despite gold prices deviating from fundamental indicators, indicating increased market volatility and difficulty in predicting specific price points [4] Group 3 - CICC anticipates that by early 2026, U.S. inflation will continue to rise, leading to a marginal improvement in U.S. growth, which may slow the pace of monetary easing and exert temporary pressure on gold prices [5] - Looking further ahead, with a new Federal Reserve Chairman taking office in May 2026, a downward turning point in U.S. inflation is expected in the second half of 2026, potentially accelerating interest rate cuts and supporting further increases in gold prices [5] - The same logic applies to silver, which may experience greater price volatility due to its smaller market size and lower liquidity compared to gold [5]

来源 央视新闻 市场信息 据央视新闻报道，美国总统特朗普1月30日提名美联储前理事凯文·沃什为下任美联储主席，这一提名还需获得参议院批准。 有分析指出，贵金属大跳水，跟投资者在今年创纪录的上涨后获利了结有关，同时也受到了美元的反弹拖累。此外，凯文·沃什可能被特朗普提名为下一 任美联储主席的消息，也打击了金银价格。沃什长期以来一直批评超宽松货币政策，因此市场可能在定价他的任命对未来政策路径的影响。 中金公司分析指出，由于美联储政策与美国经济尚未出现拐点，因此黄金牛市可能并未结束。但在黄金价格已经脱离基本面指标与模型拟合后，市场波动 或明显增大，具体点位预测难度较高，建议淡化黄金价格点位预测，更关注资产趋势改变时点。 中金公司预期在2026年初，由于美国通胀持续上行，美国增长边际改善，美联储可能放缓宽松节奏，或对黄金表现形成阶段性压制。但是再往前看，随着 2026年5月新的美联储主席就职，2026下半年美国通胀迎来下行拐点，美联储可能再次加速降息，为黄金继续上涨提供新的支持。因此未来黄金牛市可能 不是单边行情，而会跟随美联储政策与美国经济动向出现波动。"上述逻辑同样适用于白银等商品。由于白银的市场规模更小，流动性 ...

Core Viewpoint - A global panic sell-off has impacted the precious metals market, leading to significant declines in gold and silver prices. Group 1: Precious Metals Market - Spot gold experienced a daily decline of 12.41%, dropping from $5,400/oz to $4,709.68/oz [1] - Spot silver saw a dramatic drop of 34.67%, falling from above $110/oz to $75.38/oz [1] - The latest price for gold is $4,709.68, reflecting a decrease of $667.46 [2] Group 2: U.S. Economic Context - The U.S. stock market saw a broad decline, with the Nasdaq down 1.22%, the Dow Jones down over 1%, and the S&P 500 down 0.92% [4] - President Trump nominated Kevin Walsh, a former Fed governor, as the next Federal Reserve Chair, raising concerns about monetary policy direction and Fed independence [5][6] - Market expectations suggest that the Fed may lower interest rates by 50 to 100 basis points over the next year [6] Group 3: Future Outlook for Gold and Silver - According to China International Capital Corporation (CICC), the gold bull market may not be over despite current price volatility, as the Fed's policies and U.S. economic conditions remain critical [6] - CICC anticipates that by early 2026, rising inflation and improving economic growth in the U.S. could lead to a slowdown in the Fed's easing pace, potentially exerting pressure on gold prices [6] - The volatility in silver prices may be greater than that of gold due to its smaller market size and lower liquidity [6] Group 4: Banking Sector Adjustments - Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) announced adjustments to their personal gold accumulation business rules, including limits on transactions during non-trading days starting February 7, 2026 [7] - CCB raised the minimum amount for regular gold accumulation plans to 1,500 yuan, effective February 2, 2026, while existing plans will remain unaffected [10]

把"浙江之声"，更容易找到我们 美股全线下跌，纳指跌1.22%，道指跌超1%，标普500跌0.92%。 30日，美国总统特朗普提名美联储前理事凯文·沃什为下任美联储主席。 沃什2006年加入美联储，是当时最年轻的美联储理事。在美联储任职期间，沃什持鹰派货币政策立场，但近年转向支持特朗普的关税政策及加快降息立 场。该消息发布后，市场迅速聚焦其货币政策取向及美联储独立性问题。市场普遍认为，美联储未来一年降息幅度大致集中在50个基点至100个基点之 间。 中金公司分析指出，由于美联储政策与美国经济尚未出现拐点，因此黄金牛市可能并未结束。但在黄金价格已经脱离基本面指标与模型拟合后，市场波动 或明显增大，具体点位预测难度较高，建议淡化黄金价格点位预测，更关注资产趋势改变时点。 中金公司预期在2026年初，由于美国通胀持续上行，美国增长边际改善，美联储可能放缓宽松节奏，或对黄金表现形成阶段性压制。但是再往前看，随着 2026年5月新的美联储主席就职，2026下半年美国通胀迎来下行拐点，美联储可能再次加速降息，为黄金继续上涨提供新的支持。因此未来黄金牛市可能 不是单边行情，而会跟随美联储政策与美国经济动向出现波动。"上述逻 ...

北京时间1月31日凌晨，恐慌性抛售席卷全球贵金属市场。 现货白银日内跌幅扩大至34.67%，从110美元/盎司上方一路跌至75.38美元/盎司。现货黄金日内跌幅扩大至12.41%，从5400美元/盎司跌至4709.68美元/盎 司。 | √ 期 XAU | ◀ | | 伦敦金（现货黄金）CFD ▶ Q Q Q | | | | --- | --- | --- | --- | --- | --- | | 4709.68 -667.46 -12.41% | | | | | (364) ... | | 01-31 02:40:00 | | | | | | | 今开 | 5400.25 | 最高 | 5450.95 | 持仓量 | | | 振幅 | 14.22% | 最低 | 4686.12 | 昨结算 5377.14 | | | 美元指数 97.0906 +0.9269% | | | | | | | 分时 FRE EK | | | FK 周K | 更多, 田 ◎ | | | 均价:5142.52 最新:4709.68 -667.46 -12.41% | | | | | | | 6068.16 | | | | | 12 ...