Economic Developments - Significant progress has been made in high-level economic talks between the US and China, with both sides reaching important consensus [1][3] - The US Treasury Secretary Scott Bessent expressed satisfaction with the productive nature of the negotiations, indicating that a detailed briefing would follow [3] - The US Trade Representative emphasized the constructive nature of the discussions, highlighting the need to address the substantial trade deficit [3] Market Reactions - Following the news of the trade talks, US stock futures surged, with the Dow Jones rising by 1%, S&P 500 by 1.2%, and Nasdaq by 1.5% [1] - The offshore Chinese yuan experienced a significant increase, rising nearly 200 points, while Asian markets opened positively across the board [1] Gold Market Dynamics - International gold prices opened lower, with a decline exceeding 1%, and prices dropping to below $3,260 per ounce [4] - COMEX gold futures also faced pressure, opening nearly 2% lower at $3,283.7 per ounce [5] - Domestic gold jewelry prices followed suit, with notable decreases in prices for major brands [6] Future Gold Price Predictions - Analysts predict short-term volatility in gold prices, but a long-term upward trend is expected, with Goldman Sachs forecasting prices to reach $3,700 per ounce by the end of 2025 and $4,000 by mid-2026 [9] - China's gold reserves have increased for six consecutive months, with a total of 7.377 million ounces reported at the end of April, reflecting a growing trend in central bank gold purchases globally [10] Regulatory Actions - Several banks have issued warnings against using credit cards for gold trading, citing risks associated with market volatility and regulatory compliance [12][13] - The banks emphasize that credit card funds should only be used for daily consumption and not for investment purposes, including gold [12][13]

金价"狂飙"！多家银行出手，严禁这类行为 "黄金跌就刷信用卡买，黄金一涨就卖掉，用回款还信用卡账单，还能赚取一定差价" "用信用卡买黄金，下个月还不上就卖一点，幸好金价一路上涨，至今还没亏过……" 金价看涨，黄金投资的热度也在不断上升。《金融时报》记者注意到，近期，有不少投资者动起了刷信用卡炒黄金的念头。在社交媒体平台上，甚至 还有一些不法分子向消费者传授信用卡"0成本"买黄金"套现"，来赚取短期差价的经验。 在很多投资者眼里，刷信用卡炒黄金不费任何本金就能"空手套白狼"。然而，这一看似有利可图的行为，实则暗藏巨大的违规风险和信用风险。 "信用卡炒金属于一种变相'加杠杆'，杠杆过高会加重持卡人的还款负担。"素喜智研高级研究员苏筱芮受访时表示，同时，信用卡的违规使用存在被 提前收回的可能性，可能为持卡人造成更大的财务风险，进而引发信用卡逾期，并带来征信等多方面的一系列连锁问题。 为防范消费者使用信用卡"炒金"，近期，已有多家银行相继发布公告，明确信用卡资金不得用于黄金投资领域。 3月19日，江苏银行（600919）公告称，近期，黄金价格波动较大，不法分子通过各种"炒金""抢金""套现"等各种手段诱导持卡人进行信 ...

Core Viewpoint - The article discusses the rising trend of consumers using credit cards to purchase gold as a form of investment, highlighting the associated risks and recent bank regulations aimed at curbing this practice [2][12]. Group 1: Credit Card Usage for Gold Investment - Many consumers are leveraging credit cards to buy gold, especially during price surges, with some reporting purchases as high as 300,000 yuan [2][6]. - The practice of using credit cards for gold purchases is seen as a form of leveraging, which increases financial risk due to potential price volatility in the gold market [9][14]. - Banks like Industrial Bank and Jiangsu Bank have issued warnings prohibiting the use of credit cards for investment purposes, including gold [12][13]. Group 2: Market Trends and Consumer Behavior - International gold prices have reached new highs, with prices exceeding 3,055 USD per ounce and domestic prices surpassing 710 yuan per gram, driving consumer interest in gold investment [4][13]. - Consumers are sharing experiences on social media about buying gold with credit cards, often with the intention of selling at a profit when prices rise [4][6]. - Some consumers view gold as a long-term investment, choosing to hold onto their purchases rather than sell immediately [6][9]. Group 3: Risks and Regulatory Responses - The article emphasizes the risks associated with using credit cards for gold purchases, including the potential for significant financial loss if gold prices decline [8][14]. - Regulatory bodies have previously established guidelines prohibiting the use of credit card funds for investments, which has not been effectively enforced in the past [12][13]. - Banks are implementing stricter monitoring and controls on credit card transactions related to gold purchases to mitigate risks [10][13].