多家银行再度提高积存金准入门槛 随着金价不断上涨创出新高，继去年多家银行上调积存金的购买门槛后，2026年年初至今，又有工商银 行、农业银行等国有大行相继发布公告，进一步收紧积存金业务准入条件。 2月1日傍晚，白银基金——国投白银LOF发布公告宣布复牌。 公告称，国投白银LOF基金将于2026年2月2日开市起至当日10:30停牌，自2026年2月2日10:30复牌，复 牌后的交易按照《深圳证券交易所交易规则》的相关规定执行，价格涨跌幅限制比例为10%。 宽基ETF连续两周规模缩小 本周大资金继续撤退，宽基ETF规模再度缩水超4000亿元，全市场ETF总规模也跌至5.46万亿元。数量 方面，Wind数据显示，截至1月31日，本周新增7只ETF，其中股票型ETF达5只，剩余2只为跨境ETF； 至此，上市ETF总数量达1419只。 多只LOF基金暂停大额申购 1月30日晚间，包括黄金、原油等多只大宗商品类LOF公告大额限购，个别产品申购上限甚至低至单日2 元。有业内人士分析称，市场大跌时，相关基金可能因其主题或策略成为焦点，涌入大量短期抄底或投 机资金，而相关基金底层资产投入的是额度有限的QDII产品，难以新增投资 ...

Core Viewpoint - Recent fluctuations in gold prices have led multiple banks, including ICBC, ABC, BOC, CCB, and BOCOM, to adjust their gold accumulation services and issue risk warnings [1][2]. Group 1: ICBC Adjustments - ICBC announced on February 1 that the volatility in domestic and international precious metal prices has significantly increased, advising investors to assess their risk tolerance and maintain a rational investment mindset [3]. - Starting February 7, ICBC will implement limit management on its gold accumulation services during non-trading days, including daily limits on accumulation/redemption and total limits on single transactions [4]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8, and only personal clients with a C3 (balanced) rating or above can engage in gold accumulation starting January 12 [6]. Group 2: CCB Adjustments - CCB announced on January 30 that the minimum investment amount for personal gold accumulation services will increase to 1,500 yuan starting February 2 [8]. - CCB emphasized the heightened market risks due to increased volatility in precious metal prices and urged clients to enhance their risk awareness and manage their positions carefully [10]. Group 3: BOCOM Adjustments - BOCOM stated on January 29 that only clients with a growth, aggressive, or dynamic risk tolerance assessment can engage in all gold wallet services starting January 31 [12]. - Clients with conservative, stable, or balanced assessments can only perform limited actions such as real-time selling and redeeming physical gold [12]. - BOCOM had previously issued a risk warning on December 31, advising investors to monitor market changes and manage their positions effectively [14]. Group 4: ABC Adjustments - ABC announced on January 26 that starting January 30, clients must complete a risk assessment questionnaire and achieve at least a cautious rating to engage in its gold accumulation services [15]. - ABC also recommended that investors enhance their risk awareness and make rational decisions based on their financial situation and risk tolerance [15]. Group 5: BOC Risk Warning - BOC issued a risk warning on January 30, highlighting the uncertainties in the precious metals market since 2026 and advising clients to manage their positions carefully to mitigate potential losses from price fluctuations [17].

Core Viewpoint - Recent volatility in domestic and international precious metal prices has significantly increased market uncertainty, prompting banks to issue risk warnings and adjust their gold accumulation business practices [1][3][4]. Group 1: Risk Warnings from Banks - Industrial and Commercial Bank of China (ICBC) advised investors to maintain a rational investment mindset and avoid impulsive trading, suggesting a long-term perspective and a diversified investment approach [1][2]. - Agricultural Bank of China (ABC) announced that clients must complete a risk assessment to engage in gold accumulation services, emphasizing the need for a cautious risk profile [12]. - Bank of China (BOC) highlighted the uncertainties in the precious metals market since 2026 and urged clients to manage their investment scale carefully to mitigate potential losses [13]. Group 2: Adjustments in Gold Accumulation Services - Construction Bank (CCB) raised the minimum investment amount for its gold accumulation services to 1,500 yuan, indicating a proactive approach to market changes [4]. - Traffic Bank (BCOM) modified its gold wallet services, allowing only clients with higher risk tolerance to engage in all related transactions, while others are limited to specific actions [8]. - ABC's adjustments to its gold accumulation services require clients to achieve a cautious risk assessment result before proceeding with transactions [12].

Core Viewpoint - Recent fluctuations in gold prices have led multiple banks, including ICBC, ABC, BOC, CCB, and BOCOM, to adjust their gold accumulation services and issue risk warnings to investors [1][5][13][15]. Group 1: ICBC Adjustments - ICBC announced adjustments to its gold accumulation business, advising investors to assess their risk tolerance and maintain a rational investment mindset amid significant market uncertainty [1]. - Starting February 7, ICBC will implement limit management on its gold accumulation services during non-trading days, including weekends and public holidays [2]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8 [4]. Group 2: CCB Adjustments - CCB increased the minimum investment amount for its gold accumulation services to 1,500 yuan effective February 2 [5]. - CCB emphasized the heightened market risks due to increased volatility in precious metal prices and urged customers to enhance their risk awareness [7]. Group 3: BOCOM Adjustments - BOCOM announced that only clients with a risk tolerance assessment result of growth, aggressive, or high-risk can engage in all gold wallet services starting January 31 [8]. - Clients with conservative or balanced risk assessments are limited to specific transactions, such as real-time selling and redeeming physical gold [9]. Group 4: ABC Adjustments - ABC stated that from January 30, personal clients must complete a risk assessment and achieve at least a cautious rating to engage in gold accumulation services [13]. Group 5: BOC Risk Warning - BOC highlighted the uncertainties in the precious metals market since 2026 and advised clients to manage their gold holdings carefully to mitigate potential financial losses from price fluctuations [15].

Core Viewpoint - Several major banks in China, including ICBC, ABC, CCB, and BOC, have adjusted their gold accumulation business and issued risk warnings due to significant fluctuations in gold prices and increased market uncertainty [1][2][5][7][13]. Group 1: ICBC Adjustments - ICBC announced adjustments to its gold accumulation business, advising investors to assess their risk tolerance and maintain a rational investment mindset to avoid impulsive trading [2]. - Starting February 7, ICBC will implement limit management on its gold accumulation business during non-trading days, including daily limits on accumulation and redemption [3]. - The minimum investment amount for ICBC's gold accumulation was raised from 1,000 yuan to 1,100 yuan as of January 8 [4]. Group 2: CCB Adjustments - CCB increased the minimum investment amount for its gold accumulation business to 1,500 yuan starting February 2, 9:10 AM, and will continue to monitor market changes for further adjustments [5]. - CCB emphasized the need for clients to enhance their risk awareness regarding precious metals investments and to manage their positions carefully [7]. Group 3: Other Banks' Adjustments - From January 31, Bank of Communications will restrict gold wallet services to clients with a risk tolerance assessment of growth, aggressive, or very aggressive types, while others can only perform limited transactions [8]. - Agricultural Bank of China requires clients to complete a risk assessment questionnaire and achieve at least a cautious rating to engage in gold accumulation services starting January 30 [12]. - Bank of China highlighted the uncertainties in the precious metals market since 2026 and urged clients to manage their positions carefully to mitigate potential losses from price fluctuations [13].

【导读】多家国有大行发布风险提示，并调整黄金投资业务 中国基金报记者 忆山 日前，随着金价大幅震荡，工行、农行、中行、建行、交行等多家银行相继调整积存金相关业务，并发布风险提示。 工行调整积存金业务并提示风险 2月1日，工商银行发布消息称，近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议投资者在审慎评估自身风险承受能力的基础上，保持理性投 资心态，避免盲目追涨杀跌。建议从中长期视角考虑，坚持分批分散、适度均衡的原则进行投资配置。请投资者密切关注行情变化，合理控制持仓规模，有 效防范市场波动风险。 | 尊敬的客户: | | --- | | 近期国内外贵金属价格波动剧烈，市场不确定性显著增强。建议您在审慎评估自身风险承 | | 受能力的基础上，保持理性投资心态，避免盲目追涨杀跌。建议从中长期视角考虑，坚持分批 | | 分散、适度均衡的原则进行投资配置。请密切关注行情变化，合理控制持仓规模，有效防范市 | | 场波动风险。 | | 感谢您的支持! | | 中国工商银行股份有限公司 | | 2026年2月1日 | 工行还于1月30日发布公告，调整如意金积存的业务办理规则并修改协议文本的约定。自2月7日起，在周 ...

财经频道更多独家策划、专家专栏，免费查阅>> 责任编辑：山上 今天，工商银行通过"工银金行家"公众号发布风险提示。公告显示，近期国内外贵金属价格波动剧烈， 市场不确定性显著增强。工行建议客户在审慎评估自身风险承受能力的基础上，保持理性投资心态，避 免盲目追涨杀跌。工行建议客户从中长期视角考虑，坚持分批分散、适度均衡的原则进行投资配置，同 时密切关注行情变化，合理控制持仓规模，有效防范市场波动风险。 北京时间1月31日凌晨，现货白银价格一度暴跌36%，创历史最大日内跌幅；现货黄金最高跌幅超过 12%，创40年来最大单日跌幅。 ...

1月29日至30日，国际贵金属市场遭遇史诗级回调。COMEX黄金期货触及5626.8美元/盎司历史高点后快速跳水，伦敦现货黄金同期最高报价约5598.75美 元/盎司，盘面最大跌幅超12%，最终收报4884.36美元/盎司，单日跌幅10.18%，创下1980年4月以来最大单日跌幅；白银跌势更为剧烈，伦敦现货白银单 日暴跌19.98%，盘中最大跌幅约35.89%，接近36%。据Coinglass等衍生品数据平台统计，对应24小时周期内，全球贵金属衍生品市场超27万交易账户出现 爆仓。受外盘暴跌拖累，A股黄金板块个股集体跌停。 此轮史诗级暴跌的原因是什么？黄金牛市终结了吗？线下金店生意如何？消费者该如何买金？带着这些疑问，记者咨询了有关专家，并探访了济南市历下 区的多家品牌金店。 线下市场冷热分化： 金店询多买少，银行金条多显示无货 1月31日午后，济南市历下区核心商圈的几个商场内人流熙攘，年味渐浓，但商场内的金店却显得比较冷清。虽然相比前两天，金饰克价已普遍下降100多 元，但市民路过金店多是观望，询价者多、下单者寡。 齐鲁晚报·齐鲁壹点 魏银科 在某国企金店柜台，工作人员正在整理刚到店的金条。"贵金属价格大幅 ...

转自：扬子晚报 如果要给2026年1月的全球市场选一个最具冲击力的画面，那一定是黄金、白银的集体闪崩。 现货黄金盘中一度暴跌超12%，创下 40年来最大单日跌幅，现货白银盘中一度暴跌超过36%，创历史最 大日内跌幅，黄金、白银矿业股全线腰斩式下跌，多只个股单日跌超10%。 但真正冷静下来，你会发现：这更像是一场"情绪与预期"的集中释放，而不是趋势的终结。 先说结论：不是一个因素，而是多重因素叠加，引爆了获利盘。 直接导火索，是美元突然强势反弹。彭博社给出的解释非常清晰，美元走强，是这次金银暴跌的直接原 因。 而美元反弹的核心触发点，来自一条消息：特朗普政府正式确认，提名前美联储理事凯文·沃什出任下 一任美联储主席。 沃什以对通胀极度警惕、立场偏鹰著称，这一人选迅速改变了市场对未来货币政策的定价。 结果就是美元指数单日大涨约0.9%，创下去年7月以来最大单日涨幅，实际利率预期上行，贵金属遭遇 集中抛售。 别忘了一个背景，在暴跌之前，贵金属已经连续数月处于高位震荡、资金高度拥挤的状态。 市场本就存在强烈的回调需求，多重因素只是点燃了获利了结。 换句话说，这不是逻辑被否定，而是仓位被迫重置。 表面看，跌的是金银，但 ...

【市场有风险，投资需谨慎】 扬子晚报/紫牛新闻记者马燕 校对陶善工 北京时间1月31日凌晨，贵金属获利抛压激增，黄金、白银出现崩盘式跳水，现货白银盘中一度暴跌36%，创出历史最大日内跌幅，最低下探至74.28美元/ 盎司。现货黄金最高跌超12%，最低触及4682美元/盎司，为1980年代初以来最大单日跌幅。巨震就像一堂"直播式"的风险教育课，给普通投资者敲响了警 钟。 1月31日凌晨2点40左右，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。 最终，现货黄金收跌9.52%，报4865美元/盎司。现货白银收跌26.9%，报84.7美元/盎司。从整个月份来看，黄金、白银1月仍有12%、18%的涨幅。现货铂 金重挫17.59%，1月累涨1.65%。现货钯金重挫14.89%，1月累涨4.66%。 ...