2026年1月27日，宁波银行（002142）发布公告称，宁波银行决定自2026年1月28日（周三）起调整定存 金产品定存利率。调整后的定存金产品定存利率分别为：活期0%，1个月0.3%，3个月0.3%，6个月 0.4%，12个月0.5%。如有疑问，请垂询宁波银行各营业网点，或致电咨询宁波银行客服热线：95574。 同时，由于近期贵金属价格波动加剧，请您提高贵金属业务的风险防范意识，基于自身财务状况、风险 承受能力理性投资，从资产配置角度合理配置贵金属资产。请及时关注持仓情况，合理控制仓位，注意 分散配置，避免单一重仓贵金属。 ...

北京商报讯1月28日，北京商报记者注意到，招商银行发布《关于调整黄金账户认购起点金额及风险提 示的通告》指出，根据黄金积存业务相关监管规定，为顺应市场形势变化，加强业务风险管理，该行将 对零售黄金账户业务进行调整。 （文章来源：北京商报） 自北京时间2026年2月2日起，黄金账户活期及黄金账户定投按金额认购的起点调整为1200元。调整前已 设置成功的定投计划（含普通定投与智能定投）将继续执行，不受影响。调整后新发起的定投计划金额 须满足招商银行最新起点要求。 招商银行表示，后续将持续关注黄金市场变动情况，适时对上述起点金额进行调整，具体调整情况将通 过该行官网等渠道另行发布。近期贵金属价格波动加剧，请投资者提高贵金属业务的风险防范意识，基 于自身财务状况、风险承受能力及投资经验，理性开展贵金属投资活动，合理控制仓位，注意分散配 置，避免单一重仓贵金属。 ...

Core Viewpoint - The recent surge in gold prices, surpassing $5200 per ounce, reflects a significant shift in global market dynamics, driven by a weak dollar and concerns over government balance sheets and the resilience of fiat currencies [1][3][4]. Group 1: Gold Market Analysis - Gold prices have increased by over $880 (or 20%) in January, marking a historic high as investors seek safe-haven assets amid market volatility [1]. - Analysts from BMO Capital Markets conducted a bullish thought experiment, suggesting that the current drivers of gold prices indicate a potential for continued upward movement throughout the year [3][4]. - The recent sell-off in Japanese bonds and the resulting volatility in the yen have heightened concerns about traditional safe-haven assets, further supporting gold demand [4]. Group 2: Price Predictions and Market Dynamics - BMO analysts predict that if central banks continue to purchase approximately 8 million ounces of gold quarterly and ETFs see inflows of 4-5 million ounces, gold prices could reach around $6350 per ounce by Q4 2026 and $8650 by Q4 2027 [4]. - The analysts noted that their previous price models are outdated due to unprecedented changes in the global order and financial systems since World War II [5]. - The updated five-year regression model indicates a strong statistical significance between central bank holdings, ETF liquidity, and gold prices, with a noted negative correlation between gold and the dollar index [5]. Group 3: Silver Market Insights - BMO analysts have adjusted their outlook for silver, suggesting it may outperform gold due to its emerging status as a safe-haven asset amid new global risks [6]. - The gold/silver ratio has dropped to a multi-year low, and analysts anticipate that silver prices could reach approximately $160 per ounce by Q4 2026 and $220 by Q4 2027 if the ratio stabilizes between 40-50 [6].

1月28日金融一线消息，招商银行发布《关于调整黄金账户认购起点金额及风险提示的通告》称，根据黄金积存业务相关监管规定，为顺应市场形势变化， 加强业务风险管理，我行将对零售黄金账户业务进行调整，具体如下： 自北京时间2026年2月2日起，黄金账户活期及黄金账户定投按金额认购的起点调整为1200元。调整前已设置成功的定投计划（含普通定投与智能定投）将继 续执行，不受影响。调整后新发起的定投计划金额须满足我行最新起点要求。 我行后续将持续关注黄金市场变动情况，适时对上述起点金额进行调整，具体调整情况将通过招商银行官网等渠道另行发布。 此外，招商银行提醒投资者，近期贵金属价格波动加剧，请您提高贵金属业务的风险防范意识，基于自身财务状况、风险承受能力及投资经验，理性开展贵 金属投资活动，合理控制仓位，注意分散配置，避免单一重仓贵金属。 责任编辑：曹睿潼 1月28日金融一线消息，招商银行发布《关于调整黄金账户认购起点金额及风险提示的通告》称，根据黄金积存业务相关监管规定，为顺应市场形势变化， 加强业务风险管理，我行将对零售黄金账户业务进行调整，具体如下： 自北京时间2026年2月2日起，黄金账户活期及黄金账户定投按金额认 ...

Group 1 - The core point of the news is that spot gold prices have surged significantly, reaching a historical high of $5,216.368 per ounce, with an increase of over 20% since the beginning of the year, translating to a rise of more than $900 [1][3] - Spot gold prices broke through the $5,190 per ounce mark on January 27, marking a continuous upward trend [3] - The increase in gold prices is attributed to factors such as changes in geopolitical dynamics and a persistently loose liquidity environment, with expectations of continued interest rate cuts by the Federal Reserve [3] Group 2 - The demand for precious metals, particularly gold and silver, is rising as global investors seek strategic allocations in a highly uncertain economic and political environment [3] - Domestic gold jewelry prices have also reached historical highs, with prices exceeding 1,600 yuan per gram [3] - The recent announcements from investment funds, such as the suspension of subscription services for certain gold and silver funds, indicate a response to the current market conditions [5]

1月28日，现货黄金再度大幅拉升，盘中首次站上5200美元，再创历史新高。 截至发稿时，现货黄金价格仍在不断攀升，最新报5216.368美元/盎司，年初至今已涨超20%，涨逾900 美元。 | < W | | | 伦敦金现 | | | O | | --- | --- | --- | --- | --- | --- | --- | | | SPTAUUSDOZ.IDC | | | | | | | 5216.368 | 昨结 | | 5181.748 | 总量 | | 0 | | +34.620 | +0.67% 开盘 | | 5179.233 | 现手 | | 0 | | 最高价 | 持 5218.028 | | 0 | 外 盘 | | 0 | | 最低价 | 5156.570 增 色 | | 0 | 内 盘 | | 0 | | 分时 | 五日 日K | | 園K | 月K | 曲家 | (0) | | 叠加 | | | | 均价:0.000 | | | | 5218.027 | | | | | …… 0:70% 卖一 5216.690 | | | | | | | | 买一 5216.368 | | | | | ...

Group 1 - Recent surge in gold and silver prices, with gold surpassing $5000 per ounce and silver reaching over $108 per ounce, marking significant daily increases [1] - As of the afternoon of the 27th, gold futures were approximately $5085 per ounce, and silver futures were around $110 per ounce, continuing their upward trend from the previous day [1] - Year-to-date, international gold futures have increased by over 17%, while silver has seen a remarkable rise of 55% [1] Group 2 - The gold-silver ratio has dropped to around 50, a 13-year low, attributed to silver's rapid price increase outpacing that of gold [3] - Increased consumer demand for silver has been noted, with some companies reporting a strong market sentiment for rising prices [3] - Investment in silver bars has increased, with current spot premiums for silver bars in the market ranging from 3% to 5% [5] Group 3 - Demand for investment-grade gold and silver bars has surged alongside positive market expectations [7] - In the capital markets, the A-share precious metals sector has strengthened, with a nearly 4% daily increase and an approximate 70% rise since the beginning of the year [9] - A broad increase in various metal prices has been observed, including base metals like copper and aluminum, as well as new energy metals such as cobalt and nickel, indicating a significant upward trend in the non-ferrous sector [11]

1月27日晚间，易方达黄金主题LOF（A类份额）、国投白银LOF（A类份额）发布暂停申购及定期定额 投资业务的公告。 业内人士提醒，黄金、白银经历前期较大涨幅之后，短期或面临回调压力。投资者需保持理性，防范市 场可能出现的"冲高回落"，切忌追高。 黄金LOF、白银LOF纷纷"闭门谢客" 1月27日晚间，易方达黄金主题LOF发布公告称，易方达基金决定自1月28日起暂停本基金A类份额的申 购及定期定额投资业务，赎回业务照常办理。本基金A类份额恢复办理申购、定期定额投资业务的时间 将另行公告。 | 基金名称 | 易方达黄金主题证券投资基金(LOF) | | | --- | --- | --- | | 是全间称 | 易方达黄金主题(QDII-LOF-FOF) | | | 基金主代码 | 161116 | | | 基金管理人名称 | 易万达基金管理有限公司 | | | 公告依据 | (易方达黄金主题证券投资基金(LOF)基金合同》(易 方达黄金主题证券投资基金(LOF)更新的招募说明书》 | | | | 四号照图出使用 | 2026年1月28日 | | 暂停相关业务的 起始日及原因说 | 暂停定期定额投资起始日 暂停电 ...

2026年1月25日，国内金价出现回落迹象：上金所Au9999报1114元/克、沪金期货1121元/克、中国黄金基础价1107元/克均偏弱运行；银行金条约1132元/克跟 随下跌，金饰克价维持1271—1548元区间，周大福/六福/老凤祥1553元/克、周生生1551元/克。 一、品牌金价与铂金报价 从零售端看，多数品牌足金报价仍集中在1551—1553元/克：周大福、谢瑞麟、老凤祥、老庙、周大生、潮宏基等为1553元/克，周生生与六福分别在1551— 1553元/克附近；水贝报价相对低，黄金约1274元/克，菜百约1498元/克，中国黄金高位约1562元/克。 铂金方面品牌差异更明显：水贝约667元/克，菜百与中国黄金约800元/克，老凤祥与老庙约950元/克，部分品牌铂金报价可到1102—1148元/克。 零售端对下跌并不敏感，原因在于工费、渠道与品牌溢价具有黏性，当原料端走弱时，金饰往往先"挺价"，随后才通过活动、工费调整或调价来消化回落。 二、黄金基准价偏弱 交易端与基准端显示出"弱中有弹"的特征：Au9999报1114元/克，期货约1121元/克，基础金价约1107元/克，与前期高位相比回落更明显， ...

1月27日晚间，易方达黄金主题LOF（A类份额）、国投白银LOF（A类份额）发布暂停申购及定期定额投资业务的公告。 业内人士提醒，黄金、白银经历前期较大涨幅之后，短期或面临回调压力。投资者需保持理性，防范市场可能出现的"冲高回落"，切忌追高。 黄金LOF、白银LOF纷纷"闭门谢客" 1月27日晚间，易方达黄金主题LOF发布公告称，易方达基金决定自1月28日起暂停本基金A类份额的申购及定期定额投资业务，赎回业务照常办理。本基 金A类份额恢复办理申购、定期定额投资业务的时间将另行公告。 | 是金名称 | 易方达黄金主题证券投资基金(LOF) | | --- | --- | | 基金简称 | 易方达黄金主题(QDII-LOF-FOF) | | 基金主代码 | 161116 | | 差金管理人名称 | 易方达基金管理有限公司 | | 公告依据 | 《易方达黄金主题证券投资基金(LOF)基金合同》 《易 | | | 方达黄金主题证券投资基金(LOF)更新的招募说明书》 | | 暂停相关业务的 | 暂停申购起始如 2026年1月28日 | | 起始日及原因说 | 暂停定期定额投资起始日 2026年1月28日 | | в ...