Core Viewpoint - Banks are tightening their gold accumulation business, with several institutions raising the minimum purchase threshold to 1200 yuan since October, potentially leading to a shift in personal investment channels for gold if more banks follow suit [1] Group 1 - Several banks have recently increased the minimum purchase threshold for gold accumulation business to 1200 yuan [1] - The Industrial and Commercial Bank of China (ICBC) and China Construction Bank (CCB) have paused and then resumed the withdrawal of physical gold bars, indicating volatility in their policies [1] - Experts suggest that if other banks also suspend or tighten this business, it may lead to a short-term migration of personal investment channels for gold [1]